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Document 02018R0033-20180111
Commission Implementing Regulation (EU) 2018/33 of 28 September 2017 laying down implementing technical standards with regard to the standardised presentation format of the statement of fees and its common symbol according to Directive 2014/92/EU of the European Parliament and of the Council (Text with EEA relevance)Text with EEA relevance
Consolidated text: Commission Implementing Regulation (EU) 2018/33 of 28 September 2017 laying down implementing technical standards with regard to the standardised presentation format of the statement of fees and its common symbol according to Directive 2014/92/EU of the European Parliament and of the Council (Text with EEA relevance)Text with EEA relevance
Commission Implementing Regulation (EU) 2018/33 of 28 September 2017 laying down implementing technical standards with regard to the standardised presentation format of the statement of fees and its common symbol according to Directive 2014/92/EU of the European Parliament and of the Council (Text with EEA relevance)Text with EEA relevance
02018R0033 — EN — 11.01.2018 — 000.002
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COMMISSION IMPLEMENTING REGULATION (EU) 2018/33 of 28 September 2017 laying down implementing technical standards with regard to the standardised presentation format of the statement of fees and its common symbol according to Directive 2014/92/EU of the European Parliament and of the Council (OJ L 006 11.1.2018, p. 26) |
Corrected by:
COMMISSION IMPLEMENTING REGULATION (EU) 2018/33
of 28 September 2017
laying down implementing technical standards with regard to the standardised presentation format of the statement of fees and its common symbol according to Directive 2014/92/EU of the European Parliament and of the Council
(Text with EEA relevance)
Article 1
Template for the statement of fees and its common symbol
The statement of fees shall:
be presented in A4 portrait format;
contain the title ‘Statement of Fees’ at the top of the first page, with the title centred and positioned in the middle between the logo of the payment service provider at the top left-hand side of the document and the common symbol at the top right-hand side of the document;
contain the common symbol of the size not larger than 2,5 cm × 2,5 cm and displayed as shown in the template laid down in the Annex;
use font type Arial or another font type similar to Arial and font size 11, with exceptions for the title ‘Statement of Fees’, which uses font size 16 in bold type; font size 14 in bold type for the headings, and font size 12 in bold for the sub-headings, unless an increase in the font size or use of braille font type for visually impaired persons is either required under national law or agreed between the consumer and the payment service provider;
be produced in black and white, with exception of the logo of the payment service provider and the common symbol which may be presented in colour, as laid down in Article 2;
contain the headings in semi-dark grey using the colour pattern with reference number 166,166,166 of the RGB colour model and the sub-headings in light-grey colour using the colour pattern with reference number 191,191,191 of the RGB colour model;
have its pages numbered.
Article 2
Common symbol and logo of the payment service provider
Article 3
Name and contact details of the account provider
Those contact details shall be displayed left aligned.
Article 4
Name and contact details of the payment account holder
That name shall be displayed in bold type, left aligned.
That geographical address shall be displayed left aligned and, with the exception of the first letter of each word, in lower cases.
Article 5
Account name and identification
That name shall be displayed in bold type, left aligned and directly after relevant words.
Those details shall be displayed left aligned.
Article 6
Calendar period
Payment service providers shall display in the row ‘period’, left aligned, the calendar period that is covered by the statement of fees.
Article 7
Date
Payment service providers shall display in the row ‘date’, left aligned, the calendar date when they provide the statement of fees.
Article 8
Introductory statement
The text of the introductory statement specified in the template shall be reproduced as such in the statement of fees, using line spacing 1.15, 0 pt before and 10 pt after the text.
Article 9
Summary of fees and interest
Article 10
Detailed statement of fees paid on the account
Fees for provision or maintenance of the account shall be listed under sub-heading ‘General account services’.
Payment service providers shall leave the sub-column ‘Number of times the service was used’ blank where:
a service has been used but the payment service provider did not charge a fee for that service, and
the inclusion of such information is enabled or required by national provisions transposing Directive 2014/92/EU.
Payment service providers shall display in the sub-column ‘Number of times the fee was charged’ the number of times each service has been charged during the relevant period of the statement of fees, right aligned. Payment service providers shall indicate this in the corresponding sub-column by using the wording ‘fee not charged’ where:
a service has been used but no fee has been charged, and
the inclusion of such information is enabled or required by national provisions transposing Directive 2014/92/EU.
Article 11
Presentation of types of fees
Where separate fees are charged in one or more of the following ways, payment services providers shall provide, in the table ‘Detailed statement of fees paid on the account’ in the ‘Service’ column of the respective service on a separate line, a description of each fee-charging instance, channel or condition (‘types of fees’):
for different fee-charging instances of the provision of the same service, such as an initial set-up fee and subsequent execution fees for the same service;
for different channels through which the same service is requested, used or provided, such as by phone, branch or online;
depending on whether a specific condition for the same service is met, such as adherence to a minimum or maximum threshold amount for credit transfers or cash withdrawals.
The description shall be left aligned. The fees shall be displayed in the ‘Unit fee’ column right aligned.
Article 12
Presentation of packages of services charged as part of fees under the sub-heading ‘General account services’
Article 13
Presentation of packages of services linked to a payment account charged separately from fees under the sub-heading ‘General account services’
Where a payment service provider offers a package of services linked to a payment account with the account and that package is charged separately from any fees under the sub-heading ‘General account services’ for general account services as referred to in the table listing services and fees, payment service providers shall include the following information in the table on package of services:
in the column on package of services, the brand name, if applicable, or the content the package, by deleting the square brackets;
in the ‘Fee’ column, the fee charged for the package as a whole for the period of the statement of fees, right aligned;
in the third column, the number of times the package fee was charged during the relevant period.
Any additional fee charged for any service exceeding the quantity covered by the package fee shall be disclosed in the table on service and fees as referred to in Articles 10 and 11.
Article 14
Detail of interest paid on the account
Article 15
Detail of interest earned on the account
Article 16
Additional information
Article 17
Brand names
Where a brand name is used, the brand name shall follow directly after the name of the service, using the standard font referred to in Article 1(3)(d) and in square brackets.
Article 18
Use of electronic means
Where the statement of fees is provided by electronic means payment service providers may, provided that at the same time the consumer is provided with a copy of the statement of fees in line with the template laid down in the Annex and completed as set out in Articles 2 to 17, modify the template in only the following ways:
by way of derogation from point (d) of Article 1(3), increase the font sizes, provided that the proportion of sizes as set out in Article 1(3) is retained;
where the dimensions of the electronic tools are such that using several tables and columns would make the statement of fees difficult to read, use a single column or a single table if the order of information, headings and sub-headings are retained;
use electronic tools, such as layering and pop-ups, provided that the title of the statement of fees, the common symbol, headings and sub-headings, are displayed prominently and the order of information is retained.
Article 19
Entry into force
This Regulation shall enter into force on the twentieth day following that of its publication in the Official Journal of the European Union.
This Regulation shall be binding in its entirety and directly applicable in all Member States.
ANNEX
Statement of fees template