Request for a preliminary ruling from the College van Beroep voor het bedrijfsleven (Netherlands) lodged on 28 January 2025 – Betaal Garant Nederland CV v De Nederlandsche Bank NV; other party: Vereniging Eigen Huis

(Case C-51/25, Betaal Garant Nederland)

(C/2025/2181)

Language of the case: Dutch

Referring court

College van Beroep voor het bedrijfsleven

Parties to the main proceedings

Applicant: Betaal Garant Nederland CV

Defendant: De Nederlandsche Bank NV

Other party: Vereniging Eigen Huis

Question referred

Must Article 4(3) of Directive 2015/2366 (1) of the European Parliament and of the Council of 25 November 2015 on payment services in the internal market, amending Directives 2002/65/EC, 2009/110/EC and 2013/36/EU and Regulation (EU) No 1093/2010, and repealing Directive 2007/64/EC, read in conjunction with point 3(c) of Annex I of that directive, be interpreted as meaning that a service entailing the receipt and forwarding of funds provided by an entity as an intermediary, constitutes a payment service – and, more specifically, the execution of transfers within the meaning of that Directive – if, in the context of a contract with a client and a contractor, that entity receives the client’s funds on its payment account and, after the client has given its consent, transfers those funds from that payment account to the contractor?

(1)   OJ 2015 L 337, p. 35.