natgillin/translations-raw huggingface dataset:
Kreditinstitutterne kan med henblik herpå basere sig på en af forbrugeren underskrevet tro og love-erklæring.
Member States shall ensure that credit institutions do not discriminate against consumers legally resident in the Union by reason of their nationality or place of residence or by reason of any other ground as referred to in Article 21 of the Charter, when those consumers apply for or access a payment account within the Union.
Medlemsstaterne kan fastsætte yderligere begrænsede og specifikke tilfælde, hvor kreditinstitutter kan pålægges eller vælge at afslå en ansøgning om en betalingskonto med basale funktioner.
The conditions applicable to holding a payment account with basic features shall be in no way discriminatory.
Disse tilfælde skal baseres på bestemmelser i national ret, som finder anvendelse på deres område, og skal have til formål enten at lette forbrugerens vederlagsfrie adgang til en betalingskonto med basale funktioner i henhold til mekanismen i artikel 25 eller at forhindre forbrugeres misbrug af deres ret til at have adgang til en betalingskonto med basale funktioner.
Article 16
Medlemsstaterne sikrer, at kreditinstituttet i de i stk. 4, 5 og 6 omhandlede tilfælde straks efter at have truffet sin beslutning meddeler forbrugeren afslaget og sin specifikke begrundelse herfor skriftligt og vederlagsfrit, medmindre dette ville være i strid med hensyn til national sikkerhed eller offentlig orden eller med direktiv 2005/60/EF.
Right of access to a payment account with basic features
I tilfælde af afslag vejleder kreditinstituttet forbrugeren om proceduren for at klage over afslaget og om forbrugerens ret til at kontakte den relevante kompetente myndighed og det udpegede organ for alternativ tvistbilæggelse samt giver de relevante kontaktoplysninger.
Member States shall ensure that payment accounts with basic features are offered to consumers by all credit institutions or a sufficient number of credit institutions to guarantee access thereto for all consumers in their territory, and to prevent distortions of competition.
Medlemsstaterne sikrer, at kreditinstituttet i de i stk. 4 nævnte tilfælde træffer passende foranstaltninger i henhold til kapitel III i direktiv 2005/60/EF.
Member States shall ensure that payment accounts with basic features are not only offered by credit institutions that provide payment accounts with solely online facilities.
Medlemsstaterne sikrer, at adgang til en betalingskonto med basale funktioner ikke gøres betinget af køb af yderligere tjenesteydelser eller aktier i kreditinstituttet, medmindre sidstnævnte er en betingelse for alle kreditinstituttets kunder.
Member States shall ensure that consumers legally resident in the Union, including consumers with no fixed address and asylum seekers, and consumers who are not granted a residence permit but whose expulsion is impossible for legal or factual reasons, have the right to open and use a payment account with basic features with credit institutions located in their territory.
Medlemsstaterne anses for at overholde kravene i kapitel IV, såfremt en eksisterende bindende ramme sikrer fuld anvendelse heraf på en tilstrækkelig klar og præcis måde, således at de berørte personer kan få fuldt kendskab til deres rettigheder og påberåbe sig disse rettigheder ved de nationale domstole.
Such a right shall apply irrespective of the consumer’s place of residence.
Artikel 17
Member States may, in full respect of the fundamental freedoms guaranteed by the Treaties, require consumers who wish to open a payment account with basic features in their territory to show a genuine interest in doing so.
Kendetegn for en betalingskonto med basale funktioner
Member States shall ensure that the exercise of the right is not made too difficult or burdensome for the consumer.
Medlemsstaterne sikrer, at en betalingskonto med basale funktioner omfatter følgende tjenesteydelser:
Member States shall ensure that credit institutions offering payment accounts with basic features open the payment account with basic features or refuse a consumer’s application for a payment account with basic features, in each case without undue delay and at the latest 10 business days after receiving a complete application.
tjenesteydelser, der gør det muligt at åbne, anvende og lukke en betalingskonto
Member States shall ensure that credit institutions refuse an application for a payment account with basic features where opening such an account would result in an infringement of the provisions on the prevention of money laundering and the countering of terrorist financing laid down in Directive 2005/60/EC.
tjenesteydelser, der gør det muligt at indsætte midler på en betalingskonto
Member States may permit credit institutions that offer payment accounts with basic features to refuse an application for such an account where a consumer already holds a payment account with a credit institution located in their territory which allows him to make use of the services listed in Article 17(1), save where a consumer declares that he has received notice that a payment account will be closed.
tjenester, der gør det muligt at hæve kontanter inden for Unionen fra en betalingskonto, ved skranken eller ved automatiske pengeautomater inden for eller uden for kreditinstituttets åbningstider
In such cases, before opening a payment account with basic features, the credit institution may verify whether the consumer holds or does not hold a payment account with a credit institution located in the same Member State which enables consumers to make use of the services listed in Article 17(1).
udførelse af følgende betalingstransaktioner i Unionen:
Credit institutions may rely on a declaration of honour signed by consumers for that purpose.
direkte debiteringer
Member States may identify limited and specific additional cases where credit institutions may be required or may choose to refuse an application for a payment account with basic features.
betalingstransaktioner med et betalingskort, herunder onlinebetalinger
Such cases shall be based on provisions of national law applicable in their territory and shall be aimed either at facilitating access by the consumer to a payment account with basic features free of charge under the mechanism of Article 25 or at avoiding abuses by consumers of their right to access a payment account with basic features.
kredittransaktioner, herunder stående ordrer, ved, såfremt de forefindes, terminaler, skranker og via kreditinstituttets onlinefaciliteter.
Member States shall ensure that, in the cases referred to in paragraphs 4, 5 and 6, after taking its decision, the credit institution immediately informs the consumer of the refusal and of the specific reason for that refusal, in writing and free of charge, unless such disclosure would be contrary to objectives of national security, public policy or Directive 2005/60/EC.
De i første afsnit, litra a) til d), anførte tjenesteydelser skal tilbydes af kreditinstitutter i det omfang, de allerede udbydes til forbrugere, der har andre betalingskonti end en betalingskonto med basale funktioner.
In the event of refusal, the credit institution shall advise the consumer of the procedure to submit a complaint against the refusal, and of the consumer’s right to contact the relevant competent authority and designated alternative dispute resolution body and provide the relevant contact details.
Medlemsstaterne kan fastsætte, at kreditinstitutter, der er etableret på deres område, er forpligtet til sammen med en betalingskonto med basale funktioner at yde yderligere tjenesteydelser, der anses for vigtige for forbrugerne på baggrund af fælles praksis på nationalt plan.
Member States shall ensure that, in the cases referred to in paragraph 4, the credit institution adopts appropriate measures pursuant to Chapter III of Directive 2005/60/EC.
Medlemsstaterne sikrer, at de kreditinstitutter, der er etableret på deres område, tilbyder betalingskonti med basale funktioner, i det mindste i den nationale valuta i den pågældende medlemsstat.
Member States shall ensure that access to a payment account with basic features is not made conditional on the purchase of additional services or of shares in the credit institution, unless the latter is conditional for all customers of the credit institution.
Medlemsstaternes sikrer, at en betalingskonto med basale funktioner giver forbrugere mulighed for at gennemføre et ubegrænset antal operationer for så vidt angår de tjenesteydelser, som er omhandlet i stk. 1.
Member States shall be deemed to comply with the obligations laid down in Chapter IV where an existing binding framework ensures its full application in a sufficiently clear and precise manner so that the persons concerned can ascertain the full extent of their rights and rely on them before the national courts.
For så vidt angår de tjenesteydelser, som er omhandlet i stk. 1, litra a), b), c) og d), nr. ii), i denne artikel, dog ikke betalingstransaktioner med et kreditkort, sikrer medlemsstaterne, at kreditinstitutter ikke pålægger gebyrer ud over eventuelle rimelige gebyrer omhandlet i artikel 18, uanset hvor mange operationer der er gennemført på betalingskontoen.
Article 17
For så vidt angår de tjenester, som er omhandlet i stk. 1, litra d), nr. i) og ii), i nærværende artikel, dog kun med hensyn til betalingstransaktioner med kreditkort, samt stk. 1, litra d), nr. iii), i denne artikel kan medlemsstaterne fastsætte et minimumsantal af operationer, som kreditinstitutter kun kan pålægge eventuelle rimelige gebyrer, jf. artikel 18.
Characteristics of a payment account with basic features
Medlemsstaterne sikrer, at minimumsantallet af operationer er tilstrækkeligt til at dække forbrugerens personlige brug, under hensyntagen til eksisterende forbrugeradfærd og almindelig kommerciel praksis.
Member States shall ensure that a payment account with basic features includes the following services:
Gebyrer, der pålægges for operationer over minimumsantallet af operationer, må aldrig overstige gebyrer efter kreditinstituttets almindelige prispolitik.
services enabling all the operations required for the opening, operating and closing of a payment account;
Medlemsstaterne sikrer, at forbrugeren kan styre og initiere betalingstransaktioner fra sin betalingskonto med basale funktioner på kreditinstituttets forretningssteder og/eller via onlinefaciliteter, hvis de forefindes.
services enabling funds to be placed in a payment account;
Med forbehold af kravene fastsat i direktiv 2008/48/EF kan medlemsstaterne tillade, at kreditinstitutter på en forbrugers anmodning herom stiller en kassekredit til rådighed i forbindelse med en betalingskonto med basale funktioner.
services enabling cash withdrawals within the Union from a payment account at the counter or at automated teller machines during or outside the credit institution’s opening hours;
Medlemsstaterne kan fastsætte et maksimumsbeløb og en maksimumsperiode for en sådan kredit.
execution of the following payment transactions within the Union:
Adgang til eller anvendelse af en betalingskonto med basale funktioner må ikke være begrænset eller gøres betinget af køb af sådanne kreditydelser.
direct debits;
Artikel 18
payment transactions through a payment card, including online payments;
Tilhørende gebyrer
credit transfers, including standing orders, at, where available, terminals and counters and via the online facilities of the credit institution.
Medlemsstaterne sikrer, at kreditinstitutterne tilbyder de i artikel 17 nævnte tjenesteydelser vederlagsfrit eller mod et rimeligt gebyr.
The services listed in points (a) to (d) of the first subparagraph shall be offered by credit institutions to the extent that they already offer them to consumers holding payment accounts other than a payment account with basic features.
Medlemsstaterne sikrer, at de gebyrer, der pålægges forbrugeren ved manglende overholdelse af forpligtelserne i rammeaftalen, er rimelige.
Member States may establish an obligation requiring credit institutions established in their territory to provide additional services, which are considered essential for consumers based on common practice at national level, with a payment account with basic features.
Medlemsstaterne sikrer, at der som minimum tages hensyn til følgende kriterier, når rimelige gebyrer, jf. stk. 1 og 2, fastsættes:
Member States shall ensure that payment accounts with basic features are offered by credit institutions established in their territory at least in the national currency of the Member State concerned.
de nationale indkomstniveauer
Member States shall ensure that a payment account with basic features allows consumers to execute an unlimited number of operations in relation to the services referred to in paragraph 1.
de gennemsnitlige gebyrer, der opkræves af kreditinstitutter i den pågældende medlemsstat for tjenesteydelser i forbindelse med betalingskonti.
With respect to the services referred to in points (a), (b), (c) and (d)(ii) of paragraph 1 of this Article excluding payment transactions through a credit card, Member States shall ensure that credit institutions do not charge any fees beyond the reasonable fees, if any, referred to in Article 18, irrespective of the number of operations executed on the payment account.
Uden at dette berører den ret, som er omhandlet i artikel 16, stk. 2, og den forpligtelse, som er omhandlet i stk. 1 i denne artikel, kan medlemsstaterne kræve, at kreditinstitutterne gennemfører en række prisfastsættelsesordninger, som afhænger af, i hvilket omfang forbrugeren benytter banktjenesteydelser, og som navnlig giver mulighed for at tilbyde bankløse, svagtstillede forbrugere mere gunstige vilkår.
With respect to the services referred to in point (d)(i) of paragraph 1 of this Article, point d(ii) of paragraph 1 of this Article only as regards payment transactions through a credit card and point (d)(iii) of paragraph 1 of this Article, Member States may determine a minimum number of operations for which credit institutions can only charge the reasonable fees, if any, referred to in Article 18.
I disse tilfælde sikrer medlemsstaterne, at forbrugerne får vejledning og fyldestgørende oplysninger om de foreliggende valgmuligheder.
Member States shall ensure that the minimum number of operations is sufficient to cover the personal use by the consumer, taking into account existing consumer behaviour and common commercial practices.
Artikel 19
The fees charged for operations above the minimum number of operations shall never be higher than those charged under the usual pricing policy of the credit institution.
Rammeaftaler og opsigelse
Member States shall ensure that the consumer is able to manage and initiate payment transactions from the consumer’s payment account with basic features in the credit institution’s premises and/or via online facilities, where available.
Rammeaftaler, der giver adgang til en betalingskonto med basale funktioner, er omfattet af direktiv 2007/64/EF, medmindre andet er anført i stk. 2 og 4 i denne artikel.
Without prejudice to the requirements laid down in Directive 2008/48/EC, Member States may allow credit institutions to provide, upon the consumer’s request, an overdraft facility in relation to a payment account with basic features.
Et kreditinstitut kan kun opsige en rammeaftale ensidigt, hvis mindst en af følgende betingelser er opfyldt:
Member States may define a maximum amount and a maximum duration of any such overdraft.
forbrugeren har forsætligt anvendt betalingskontoen til ulovlige formål
Access to, or use of, the payment account with basic features shall not be restricted by, or made conditional on, the purchase of such credit services.
der har ikke været nogen transaktioner på betalingskontoen i over 24 på hinanden følgende måneder
Article 18
forbrugeren har afgivet forkerte oplysninger for at få en betalingskonto med basale funktioner i tilfælde, hvor de rigtige oplysninger ville have medført afslag
Associated fees
forbrugeren har ikke længere lovligt ophold i Unionen
Member States shall ensure that the services referred to in Article 17 are offered by credit institutions free of charge or for a reasonable fee.
forbrugeren har efterfølgende åbnet en anden betalingskonto, som gør det muligt at anvende de i artikel 17, stk. 1, anførte tjenesteydelser, i den medlemsstat, hvor han allerede har en betalingskonto med basale funktioner.
Member States shall ensure that the fees charged to the consumer for non-compliance with the consumer’s commitments laid down in the framework contract are reasonable.
Medlemsstaterne kan fastsætte yderligere begrænsede og specifikke tilfælde, hvor en rammeaftale om en betalingskonto med basale funktioner kan opsiges ensidigt af kreditinstituttet.
Member States shall ensure that the reasonable fees referred to in paragraphs 1 and 2 are established taking into account at least the following criteria:
Disse tilfælde skal baseres på bestemmelser i national ret, som finder anvendelse på deres område, og skal have til formål at forhindre forbrugeres misbrug af deres ret til at have adgang til en betalingskonto med basale funktioner.
national income levels;
Meddelelsen skal indeholde vejledning til forbrugeren om proceduren for at klage over afslaget, hvis det er relevant, samt forbrugerens ret til at kontakte den kompetente myndighed og det udpegede organ for alternativ tvistbilæggelse samt indeholde de relevante kontaktoplysninger.
average fees charged by credit institutions in the Member State concerned for services provided on payment accounts.
Artikel 20
Without prejudice to the right referred to in Article 16(2) and the obligation contained in paragraph 1 of this Article, Member States may require credit institutions to implement various pricing schemes depending on the level of banking inclusion of the consumer, allowing for, in particular, more advantageous conditions for unbanked vulnerable consumers.
Generelle oplysninger om betalingskonti med basale funktioner
In such cases, Member States shall ensure that consumers are provided with guidance, as well as adequate information, on the available options.
Medlemsstaterne sikrer, at der forefindes passende foranstaltninger til at gøre den almene befolkning opmærksom på, at der findes betalingskonti med basale funktioner, og på de almindelige priser herfor, samt på fremgangsmåden for at udøve retten til at have adgang til en betalingskonto med basale funktioner og for adgang til procedurer for alternativ tvistbilæggelse med henblik på bilæggelse af tvister.
Article 19
Medlemsstaterne sikrer, at kommunikationsforanstaltningerne er tilstrækkelige og målrettede, og at der især tages hånd om bankløse, svagtstillede og mobile forbrugere.
Framework contracts and termination
Medlemsstaterne sikrer, at kreditinstitutter vederlagsfrit stiller oplysninger og bistand til rådighed om de specifikke funktioner, der er forbundet med de tilbudte betalingskonti med basale funktioner, de tilhørende gebyrer og vilkårene for anvendelsen heraf til rådighed for forbrugerne.
Framework contracts providing access to a payment account with basic features shall be subject to Directive 2007/64/EC unless otherwise specified in paragraphs 2 and 4 of this Article.
Medlemsstaterne sikrer endvidere, at oplysningerne gør det klart, at køb af yderligere tjenesteydelser ikke er en forudsætning for adgangen til en betalingskonto med basale funktioner.
The credit institution may unilaterally terminate a framework contract only where at least one of the following conditions is met:
KAPITEL V
the consumer deliberately used the payment account for illegal purposes;
KOMPETENTE MYNDIGHEDER OG ALTERNATIV TVISTBILÆGGELSE
there has been no transaction on the payment account for more than 24 consecutive months;
Artikel 21
the consumer provided incorrect information in order to obtain the payment account with basic features where the correct information would have resulted in the absence of such a right;
Kompetente myndigheder
the consumer is no longer legally resident in the Union;
Medlemsstaterne udpeger de nationale kompetente myndigheder, som har til opgave at sikre gennemførelsen og håndhævelsen af dette direktiv, og sørger for, at de har de nødvendige undersøgelses- og håndhævelsesbeføjelser samt tilstrækkelige ressourcer til at kunne varetage deres opgaver effektivt.
the consumer has subsequently opened a second payment account which allows him to make use of the services listed in Article 17(1) in the Member State where he already holds a payment account with basic features.
De må ikke være udbydere af betalingstjenester, med undtagelse af nationale centralbanker.
Such cases shall be based on provisions of national law applicable in their territory and shall be aimed at avoiding abuses by consumers of their right to access a payment account with basic features.
Medlemsstaterne sikrer, at de kompetente myndigheder og alle personer, der arbejder eller har arbejdet for de kompetente myndigheder, samt revisorer og eksperter, der handler på de kompetente myndigheders vegne, har tavshedspligt.
Member States shall ensure that, where a credit institution terminates the contract for a payment account with basic features on one or more of the grounds mentioned in points (b),(d) and (e) of paragraph 2 and in paragraph 3, it informs the consumer of the grounds and the justification for the termination at least two months before the termination enters into force, in writing and free of charge, unless such disclosure would be contrary to objectives of national security or public policy.
De fortrolige oplysninger, de modtager i forbindelse med deres hverv, må ikke videregives til andre personer eller myndigheder, undtagen i summarisk eller sammenfattet form, medmindre der er tale om tilfælde, der er omfattet af strafferetten eller dette direktiv.
Where the credit institution terminates the contract in accordance with point (a) or (c) of paragraph 2, its termination shall take effect immediately.
Dette er imidlertid ikke til hinder for, at de kompetente myndigheder i overensstemmelse med EU-retten og national ret udveksler eller videregiver fortrolige oplysninger.
The notification of termination shall advise the consumer of the procedure to submit a complaint against the termination, if any, and of the consumer’s right to contact the competent authority and designated alternative dispute resolution body and provide the relevant contact details.
Medlemsstaterne sørger for, at de myndigheder, der er udpeget som kompetente med hensyn til at sikre gennemførelsen og håndhævelsen af dette direktiv, er en af eller begge følgende:
Article 20
kompetente myndigheder som defineret i artikel 4, stk. 2, i forordning (EU) nr. 1093/2010
General information on payment accounts with basic features
andre myndigheder end de kompetente myndigheder, der er omhandlet i litra a), forudsat at den nationale lovgivning eller administrative bestemmelser kræver, at disse myndigheder samarbejder med de kompetente myndigheder, der er omhandlet i litra a), når det er nødvendigt med henblik på at varetage deres opgaver efter dette direktiv, herunder med det formål at samarbejde med EBA, som krævet efter dette direktiv.
Member States shall ensure that adequate measures are in place to raise awareness among the public about the availability of payment accounts with basic features, their general pricing conditions, the procedures to be followed in order to exercise the right to access a payment account with basic features and the methods for having access to alternative dispute resolution procedures for the settlement of disputes.
Medlemsstaterne underretter Kommissionen og EBA om udpegelsen af kompetente myndigheder og eventuelle ændringer heraf.
Member States shall ensure that communication measures are sufficient and well-targeted, in particular reaching out to unbanked, vulnerable and mobile consumers.
Den første underretning foretages snarest muligt og senest den 18. september 2016.
Member States shall ensure that credit institutions make available to consumers, free of charge, accessible information and assistance about the specific features of the payment account with basic features on offer, their associated fees and the conditions of use.