natgillin/translations-raw huggingface dataset:
Those problems must be tackled and high-quality standards must be achieved.
Te težave je treba odpraviti in doseči visoke standarde kakovosti.
The current conditions of the internal market could deter payment service providers from exercising their freedom to establish or to provide services within the Union because of the difficulty in attracting customers when entering a new market.
Sedanji pogoji na notranjem trgu bi lahko ponudnike plačilnih storitev odvrnili od uveljavljanja pravice do ustanavljanja ali zagotavljanja storitev v Uniji zaradi težav pri pridobivanju strank ob vstopu na nov trg.
Entering new markets often entails large investment.
Za vstop na nove trge so pogosto potrebne velike naložbe.
Such investment is only justified if the provider foresees sufficient opportunities and a corresponding demand from consumers.
Take naložbe so upravičene le, če ponudnik predvideva zadostne priložnosti in ustrezno povpraševanje potrošnikov.
The low level of mobility of consumers with respect to retail financial services is to a large extent due to the lack of transparency and comparability as regards the fees and services on offer, as well as difficulties in relation to the switching of payment accounts.
Kar zadeva maloprodajne finančne storitve, je nizka raven mobilnosti potrošnikov v veliki meri posledica pomanjkanja preglednosti in primerljivosti nadomestil in ponujenih storitev ter težav pri zamenjavi plačilnih računov.
Those factors also stifle demand.
Ti dejavniki ovirajo tudi povpraševanje.
This is particularly true in the cross-border context.
To zlasti velja za čezmejno delovanje.
Moreover, significant barriers to the completion of the internal market in the area of payment accounts may be created by the fragmentation of existing national regulatory frameworks.
Znatne ovire za dokončno vzpostavitev notranjega trga na področju plačilnih računov lahko povzroči tudi razdrobljenost obstoječih nacionalnih regulativnih okvirov.
Existing provisions at national level with respect to payment accounts, and particularly with respect to the comparability of fees and payment account switching, diverge.
Obstoječe določbe na nacionalni ravni v zvezi s plačilnimi računi, zlasti o primerljivosti nadomestil in zamenjavi plačilnih računov, so neenotne.
For switching, the lack of uniform binding measures at Union level has led to divergent practices and measures at national level.
Kar zadeva zamenjavo, je pomanjkanje enotnih zavezujočih ukrepov na ravni Unije privedlo do neenotnih praks in ukrepov na nacionalni ravni.
Those differences are even more marked in the area of comparability of fees, where no measures, even of a self-regulatory nature, exist at Union level.
Te razlike so še bolj izrazite na področju primerljivosti nadomestil, saj na ravni Unije ne obstaja noben ukrep, niti samoregulativni.
Should those differences become more significant in the future, as payment service providers tend to tailor their practices to national markets, this would raise the cost of operating across borders relative to the costs faced by domestic providers and would therefore make the pursuit of business on a cross-border basis less attractive.
Če bi te razlike v prihodnosti postale pomembnejše, ker ponudniki plačilnih storitev svoje prakse prilagajajo nacionalnim trgom, bi narasli stroški čezmejnega delovanja glede na stroške domačih ponudnikov, s tem pa bi čezmejno poslovanje postalo manj privlačno.
Cross-border activity in the internal market is hampered by obstacles to consumers opening a payment account abroad.
Čezmejna dejavnost na notranjem trgu je otežena tudi zaradi ovir, s katerimi se potrošniki srečujejo pri odprtju plačilnega računa v tujini.
Existing restrictive eligibility criteria may prevent Union citizens from moving freely within the Union.
Obstoječa omejevalna merila upravičenosti lahko preprečujejo prosti pretok državljanov Unije.
Providing all consumers with access to a payment account will permit their participation in the internal market and allow them to reap the benefits of the internal market.
Z zagotavljanjem dostopa do plačilnega računa vsem potrošnikom bodo ti lahko sodelovali na notranjem trgu in izkoristili njegove prednosti.
Moreover, since some prospective customers do not open payment accounts, either because they are denied them or because they are not offered adequate products, the potential demand for payment account services in the Union is currently not fully exploited.
Poleg tega morebitno povpraševanje po storitvah, povezanih s plačilnimi računi, v Uniji še ni v celoti izkoriščeno, saj nekatere potencialne stranke nimajo odprtega plačilnega računa, ker je bila njihova vloga zavrnjena ali jim niso na voljo ustrezni produkti.
Wider consumer participation in the internal market would further incentivise payment service providers to enter new markets.
Večje sodelovanje potrošnikov na notranjem trgu bi dodatno spodbudilo ponudnike plačilnih storitev k vstopu na nove trge.
Also, creating the conditions to allow all consumers to access a payment account is a necessary means of fostering their participation in the internal market and of allowing them to reap the benefits the internal market has brought about.
Nadalje je ustvarjanje pogojev, ki omogočajo dostop vseh potrošnikov do plačilnega računa, nujno, da se spodbudi njihovo sodelovanje na notranjem trgu in se jim omogoči izkoriščanje njegovih prednosti.
Transparency and comparability of fees were considered at Union level in a self-regulatory initiative, initiated by the banking industry.
Preglednost in primerljivost nadomestil sta bili na ravni Unije obravnavani v okviru pobude bančnega sektorja o samoregulaciji.
However, no final agreement was reached on that initiative.
Vendar končni dogovor o tej pobudi ni bil dosežen.
As regards switching, the common principles established in 2008 by the European Banking Industry Committee provide a model mechanism for switching between payment accounts offered by banks located in the same Member State.
Skupna načela, ki jih je leta 2008 sprejel Odbor evropskega bančnega sektorja, v zvezi z zamenjavo določajo vzorčni mehanizem za zamenjavo plačilnih računov, ki jih ponujajo banke, ki se nahajajo v isti državi članici.
However, given their non-binding nature, those common principles have been applied in an inconsistent manner throughout the Union and with ineffective results.
Ker pa ta skupna načela niso zavezujoča, je bila njihova uporaba po vsej Uniji nedosledna in neučinkovita.
Moreover, the common principles address payment account switching at national level only and do not address cross-border switching.
Poleg tega skupna načela zadevajo zamenjavo plačilnih računov le na nacionalni ravni in ne zajemajo čezmejne zamenjave.
Finally, as regards access to a basic payment account, Commission Recommendation 2011/442/EU [5] invited Member States to take the necessary measures to ensure its application at the latest six months after its publication.
V zvezi z dostopom do osnovnega plačilnega računa je Komisija v Priporočilu 2011/442/EU [5] države članice pozvala, naj najpozneje šest mesecev po objavi navedenega priporočila sprejmejo potrebne ukrepe, s katerimi zagotovijo njegovo uporabo.
To date, only a few Member States comply with the main principles of that Recommendation.
Glavna načela iz navedenega priporočila izpolnjuje zaenkrat le nekaj držav članic.
In order to support effective and smooth financial mobility in the long term, it is vital to establish a uniform set of rules to tackle the issue of low customer mobility, and in particular to improve comparison of payment account services and fees and to incentivise payment account switching, as well as to avoid discrimination on the basis of residency against consumers who intend to open and use a payment account on a cross-border basis.
Da bi dolgoročno podpirali učinkovito in nemoteno finančno mobilnost, je ključno, da se določi enoten sklop pravil za reševanje vprašanja nizke ravni mobilnosti strank in zlasti za izboljšanje primerjave storitev in nadomestil, povezanih s plačilnim računom, ter za spodbujanje zamenjave plačilnih računov in preprečevanje diskriminacije na podlagi prebivališča potrošnikov, ki nameravajo odpreti in uporabljati plačilni račun čezmejno.
Moreover, it is essential to adopt adequate measures to foster consumers’ participation in the payment accounts market.
Prav tako je bistveno sprejeti ustrezne ukrepe za spodbujanje sodelovanja strank na trgu plačilnih računov.
Those measures will incentivise entry for payment service providers in the internal market and ensure a level playing field, thereby strengthening competition and the efficient allocation of resources within the Union’s financial retail market to the benefit of businesses and consumers.
Ti ukrepi bodo spodbudili vstop ponudnikov plačilnih storitev na notranji trg in zagotovili enake konkurenčne pogoje, s tem pa okrepili konkurenco in učinkovito razporeditev sredstev na trgu Unije za maloprodajne finančne storitve, kar bo koristilo podjetjem in potrošnikom.
Also, transparent fee information and switching possibilities, combined with the right of access to a payment account with basic features, will allow Union citizens to move and shop around more easily within the Union, thereby benefitting from a fully functioning internal market in the area of retail financial services, and will contribute to the further development of the internal market.
Poleg tega bodo pregledne informacije o nadomestilih in možnosti zamenjave skupaj s pravico dostopa do osnovnega plačilnega računa državljanom Unije omogočile, da se bodo lažje gibali v Uniji ter v njej iskali najboljše ponudbe, ter s tem izkoristili prednosti v celoti delujočega notranjega trga na področju maloprodajnih finančnih storitev in prispevali k njegovemu nadaljnjemu razvoju.
It is also vital to ensure that this Directive does not hamper innovation in the area of retail financial services.
Ključno je tudi zagotoviti, da ta direktiva ne bo ovirala inovacij na področju maloprodajnih finančnih storitev.
Each year, new technologies become available, which may render the current model of payment accounts out of date, such as mobile banking services and stored value payment cards.
Vsako leto se pojavijo nove tehnologije, kot so mobilne bančne storitve in plačilne kartice s shranjeno vrednostjo, zaradi katerih bi lahko sedanji model plačilnih računov zastarel.
This Directive should not preclude Member States from retaining or adopting more stringent provisions in order to protect consumers, provided that such provisions are consistent with their obligations under Union law and this Directive.
Ta direktiva državam članicam ne bi smela preprečiti, da ohranijo ali sprejmejo strožje določbe za varstvo potrošnikov, če so takšne določbe skladne z njihovimi obveznostmi na podlagi prava Unije in te direktive.
The provisions of this Directive concerning the comparability of fees and payment account switching should apply to all payment service providers, as defined in Directive 2007/64/EC.
Določbe te direktive o primerljivosti nadomestil in zamenjavi plačilnih računov bi morale veljati za vse ponudnike plačilnih storitev, kot so določeni v Direktivi 2007/64/ES.
The provisions of this Directive concerning access to payment accounts with basic features should apply only to credit institutions.
Določbe te direktive o dostopu do osnovnih plačilnih računov bi morale veljati le za kreditne institucije.
All provisions of this Directive should concern payment accounts through which consumers are able to carry out the following transactions:
Vse določbe te direktive bi morale zadevati plačilne račune, prek katerih lahko potrošniki izvedejo naslednje transakcije:
place funds, withdraw cash and execute and receive payment transactions to and from third parties, including the execution of credit transfers.
polog sredstev, dvig gotovine ter izvršitev plačilnih transakcij tretjim osebam in prejem takšnih transakcij tretjih oseb, vključno z izvršitvijo kreditnih plačil.
As a consequence, accounts with more limited functions should be excluded.
To pomeni, da bi morali biti računi z bolj omejenimi možnostmi izvzeti.
For example, accounts such as savings accounts, credit card accounts where funds are usually paid in for the sole purpose of repaying a credit card debt, current account mortgages or e-money accounts should in principle be excluded from the scope of this Directive.
Tako bi morali na primer računi, kot so varčevalni računi, računi kreditnih kartic, na katere se sredstva običajno vplačujejo le za odplačevanje dolga na kreditni kartici, tekoči računi za fleksibilno odplačevanje hipotekarnega kredita ali računi elektronskega denarja, biti načeloma izvzeti iz področja uporabe te direktive.
However, should those accounts be used for day-to-day payment transactions and should they comprise all of the functions listed above, they will fall within the scope of this Directive.
Vendar bodo takšni računi spadali v področje uporabe te direktive, če se uporabljajo za vsakodnevne plačilne transakcije in ponujajo vse navedene možnosti.
Accounts held by businesses, even small or micro enterprises, unless held in a personal capacity, should fall outside the scope of this Directive.
Računi podjetij, tudi malih ali mikropodjetij, razen računov v lastnem imenu, ne bi smeli spadati v področje uporabe te direktive.
Member States should be able to choose to extend the application of this Directive to other payment service providers and other payment accounts, for example those which offer more limited payment functions.
Države članice bi lahko uporabo te direktive razširile na druge ponudnike plačilnih storitev in druge plačilne račune, na primer takšne, ki ponujajo bolj omejene plačilne možnosti.
Since a payment account with basic features is a type of payment account for the purposes of this Directive, the provisions in respect of transparency and switching should also apply to such accounts.
Ker je osnovni plačilni račun za namene te direktive vrsta plačilnega računa, bi morale določbe o preglednosti in zamenjavi veljati tudi za takšne račune.
The definitions contained in this Directive should be aligned as far as possible with those contained in other Union legislative acts, and in particular with those contained in Directive 2007/64/EC and in Regulation (EU) No 260/2012 of the European Parliament and of the Council [6].
Opredelitve pojmov iz te direktive bi morale biti kar se da usklajene z opredelitvami iz drugih zakonodajnih aktov Unije, zlasti z opredelitvami iz Direktive 2007/64/ES in Uredbe (EU) št. 260/2012 Evropskega parlamenta in Sveta [6].
It is vital for consumers to be able to understand fees so that they can compare offers from different payment service providers and make informed decisions as to which payment account is most suitable for their needs.
Ključno za potrošnike je, da lahko razumejo nadomestila, na podlagi česar lahko primerjajo ponudbe različnih ponudnikov plačilnih storitev in sprejmejo ustrezno utemeljeno odločitev, kateri plačilni račun najbolj ustreza njihovim potrebam.
Comparison between fees cannot be made where payment service providers use different terminology for the same services and provide information in different formats.
Primerjava nadomestil ni mogoča, če ponudniki plačilnih storitev uporabljajo različno terminologijo za iste storitve in zagotavljajo informacije v različnih oblikah.
Standardised terminology, coupled with targeted fee information presented in a consistent format covering the most representative services linked to payment accounts, can help consumers to both understand and compare fees.
Standardizirana terminologija skupaj z namenskimi informacijami o nadomestilih v usklajeni obliki za najbolj reprezentativne storitve, povezane s plačilnimi računi, lahko potrošnikom pomaga pri razumevanju in primerjanju nadomestil.
Consumers would benefit most from information that is concise, standardised and easy to compare between different payment service providers.
Potrošnikom bi najbolj koristile strnjene in standardizirane informacije, ki jih je preprosto primerjati med različnimi ponudniki plačilnih storitev.
The tools made available to consumers to compare payment account offers would not have a positive impact if the time invested in going through lengthy lists of fees for different offers outweighed the benefit of choosing the offer that represents the best value.
Orodja, ki jih imajo na voljo potrošniki za primerjavo ponudb plačilnih računov, ne bi imela pozitivnega učinka, če bi čas, potreben za pregledovanje dolgih seznamov nadomestil za različne ponudbe, prevladal nad koristmi izbire najugodnejše ponudbe.
Those tools should be multifold and consumer testing should be conducted.
Ta orodja bi morala biti raznolika, opraviti pa bi bilo treba preskušanje pri potrošnikih.
At this stage, fee terminology should only be standardised for the most representative terms and definitions within Member States in order to avoid the risk of excessive information and to facilitate swift implementation.
V tej fazi bi bilo treba terminologijo o nadomestilih standardizirati le za najbolj reprezentativne izraze in opredelitve v državah članicah, da se prepreči obremenjevanje potrošnikov s preveč informacijami in omogoči hitro izvajanje.
The fee terminology should be determined by Member States, allowing for consideration of the specificities of local markets.
Terminologijo o nadomestilih bi morale določati države članice, da bi se lahko upoštevale posebnosti lokalnih trgov.
To be considered representative, services should be subject to a fee at a minimum of one payment service provider in a Member State.
Da bi storitve štele za reprezentativne, bi bilo treba zanje plačati nadomestilo pri najmanj enem ponudniku plačilnih storitev v državi članici.
In addition, where the services are common to a majority of Member States, the terminology used to define such services should be standardised at Union level, thus allowing for better comparison of payment account offers across the Union.
Poleg tega bi morala biti terminologija, ki se uporablja za opredelitev storitev, skupnih večini držav članic, standardizirana na ravni Unije, kar bi omogočilo boljšo primerjavo ponudb plačilnih računov v Uniji.
In order to ensure sufficient homogeneity of the national lists, the European Supervisory Authority (European Banking Authority) (‘EBA’) established by Regulation (EU) No 1093/2010 of the European Parliament and of the Council [7] should issue guidelines to assist Member States to determine the services which are most commonly used and which generate the highest cost to consumers at national level.
Da se zagotovi zadostna homogenost nacionalnih seznamov, bi moral Evropski nadzorni organ (Evropski bančni organ) (v nadaljnjem besedilu: EBA), ustanovljen z Uredbo (EU) št. 1093/2010 Evropskega parlamenta in Sveta [7], pripraviti smernice za pomoč državam članicam pri določanju storitev, ki se na nacionalni ravni najpogosteje uporabljajo in ki potrošnikom povzročajo najvišje stroške.
To that end, Member States should by 18 December 2014 indicate to the Commission and EBA the appropriate authorities to which those guidelines should be addressed.
V ta namen bi morale države članice Komisiji in EBA do 18. decembra 2014 sporočiti ustrezne organe, na katere bi bilo treba nasloviti te smernice.
Once Member States have determined a provisional list of the most representative services subject to a fee at national level together with terms and definitions, EBA should review them to identify, by means of draft regulatory technical standards, the services that are common to the majority of Member States and propose standardised Union-level terms and definitions for them in all the official languages of the institutions of the Union.
Ko države članice pripravijo začasni seznam najbolj reprezentativnih storitev, za katere se na nacionalni ravni plačuje nadomestilo, ter izraze in opredelitve, bi jih EBA moral pregledati in z osnutkom regulativnega tehničnega standarda določiti, katere storitve so skupne večini držav članic, ter zanje predlagati standardizirane izraze in opredelitve na ravni Unije v vseh uradnih jezikih institucij Unije.
EBA should ensure that only one term is used for each service in any official language of each Member State which is also an official language of the institutions of the Union.
EBA bi moral zagotoviti, da se v posamezni državi članici za vsako storitev uporablja samo en izraz v katerem koli uradnem jeziku vsake države članice, ki je tudi uradni jezik institucij Unije.
This means that different terms can be used for the same service in different Member States sharing the same official language of the institutions of the Union, thereby taking into account national specificities.
To pomeni, da se dovoli uporaba različnih izrazov za iste storitve v različnih državah članicah, ki imajo isti uradni jezik institucij Unije, s čimer se upoštevajo nacionalne posebnosti.
Member States should then integrate any applicable Union-level terms into their provisional lists and publish their final lists based on this.
Nato bi morale države članice vse veljavne izraze na ravni Unije vključiti v svoje začasne sezname in na podlagi tega objaviti končne sezname.
In order to help consumers compare payment account fees throughout the internal market easily, payment service providers should provide consumers with a fee information document that states the fees for all services contained in the list of the most representative services linked to a payment account at national level.
Da bi potrošnikom pomagali pri preprosti primerjavi nadomestil za plačilne račune na celotnem notranjem trgu, bi jim morali ponudniki plačilnih storitev zagotoviti dokument z informacijami o nadomestilih, ki bi vseboval nadomestila za vse storitve s seznama najbolj reprezentativnih storitev, povezanih s plačilnim računom, na nacionalni ravni.
The fee information document should where applicable use the standardised terms and definitions established at Union level.
V dokumentu z informacijami o nadomestilih bi bilo treba, kadar je ustrezno, uporabiti standardizirane izraze in opredelitve, vzpostavljene na ravni Unije.
This would also contribute to establishing a level playing field between payment service providers competing in the payment account market.
To bi prispevalo tudi k zagotavljanju enakih konkurenčnih pogojev med ponudniki plačilnih storitev, ki konkurirajo na trgu plačilnih računov.
The fee information document should not contain any other fees.
Dokument z informacijami o nadomestilih ne bi smel vključevati drugih nadomestil.
Where a payment service provider does not offer a service appearing in the list of the most representative services linked to a payment account, it should indicate this by, for example, marking the service as ‘not offered’ or ‘not applicable’.
Kadar ponudnik plačilnih storitev ne ponuja storitev s seznama najbolj reprezentativnih storitev, povezanih s plačilnim računom, bi morala to navesti, na primer tako, da bi storitev označila kot „ni na voljo“ ali „se ne uporablja“.
Member States should be able to require key indicators such as a comprehensive cost indicator summarising the overall annual cost of the payment account for consumers to be provided with the fee information document.
Države članice bi morale imeti možnost zahtevati, da se z dokumentom z informacijami o nadomestilih zagotovijo ključni kazalniki, kot je celovit kazalnik stroškov, ki povzema skupne letne stroške, ki jih imajo potrošniki s plačilnim računom.
In order to help consumers understand the fees they have to pay for their payment account, a glossary providing clear, non-technical and unambiguous explanations for at least the fees and services contained in the fee information document should be made available to them.
Da bi potrošnikom pomagali razumeti nadomestila, ki jih morajo plačati za svoj plačilni račun, bi jim bilo treba zagotoviti glosar z jasno, netehnično in nedvoumno razlago vsaj nadomestil in storitev iz dokumenta z informacijami o nadomestilih.