62022CJ0409_SUM
Case C‑409/22
UA
v
‘Eurobank Bulgaria’ AD
(Request for a preliminary ruling from the Apelativen sad – Sofia)
Judgment of the Court (Fifth Chamber) of 11 July 2024
(Reference for a preliminary ruling – Free movement of capital – Payment services in the internal market – Directive 2007/64/EC – Concept of ‘payment instrument’ – Power of attorney of an agent acting on behalf of the account holder – Copy of the power of attorney with an ‘apostille’ certificate – Articles 54 and 59 – Consent to the execution of a payment transaction – Concept of ‘authentication’ – Unauthorised payment transactions – Liability of the payment service provider for those transactions – Burden of proof)
Approximation of laws – Payment services in the internal market – Directive 2007/64 – Payment instruments – Concept – Power of attorney enabling an agent to make disposals from a bank account by means of a payment order – Not included – Set of procedures allowing the agent to initiate a payment order from the bank account – Included
(European Parliament and Council Directive 2007/64, Art. 4(23))
(see paragraph 47, operative part 1)
Questions referred for a preliminary ruling – Jurisdiction of the Court – Interpretation of an international agreement concluded by the European Union and therefore forming an integral part of its legal order – Included – International agreements concluded between Member States and non-member countries – Not included – Exception – powers previously exercised by the Member States
(Art. 267 TFEU)
(see paragraphs 50, 51)
Approximation of laws – Payment services in the internal market – Directive 2007/64 – Payment service provider’s liability for unauthorised payment transactions – Scope Payment transaction executed on the basis of a power of attorney formalised as a notarial document and bearing an ‘apostille’ certificate – Included – Power of attorney which is formally regular – No effect
(European Parliament and Council Directive 2007/64, Arts 54(1) and (2), 59(1) and (2) and 86(1))
(see paragraph 87)
See the text of the decision.