natgillin/translations-raw huggingface dataset:
The glossary should serve as a useful tool to encourage a better understanding of the meaning of fees, contributing towards empowering consumers to choose from a wider choice of payment account offers.
Glosar bi moral služiti kot koristno orodje za spodbujanje boljšega razumevanja pomena nadomestil, kar bi prispevalo k temu, da bi potrošniki izbirali z večjega nabora ponudb plačilnih računov.
An obligation should also be introduced requiring payment service providers to inform consumers, free of charge and at least annually, of all the fees charged on their payment account including, if applicable, the overdraft interest rate and the credit interest rate.
Uvesti bi bilo treba tudi obveznost, ki od ponudnikov plačilnih storitev zahteva, da potrošnike vsaj enkrat letno brezplačno obvestijo o vseh nadomestilih, ki se zaračunajo za njihov plačilni račun, po potrebi tudi o stroških prekoračitve in kreditni obrestni meri.
This is without prejudice to the provisions on overdrafts set out in Directive 2008/48/EC of the European Parliament and of the Council [8].
To ne posega v določbe glede s prekoračitve iz Direktive 2008/48/ES Evropskega parlamenta in Sveta [8].
Ex post information should be provided in a dedicated document called a ‘statement of fees’.
Naknadne informacije bi bilo treba posredovati v posebnem dokumentu z naslovom „obračun nadomestil“.
It should provide an overview of interest earned and all the fees incurred in relation to the use of the payment account to enable a consumer to understand what fee expenditures relate to and to assess the need to either modify consumption patterns or move to another provider.
Vsebovati bi moral pregled pridobljenih obresti in vseh nadomestil, zaračunanih za uporabo plačilnega računa, da bi potrošnik lahko razumel, na kaj se navezujejo odhodki za nadomestila, in ocenil, ali bi moral spremeniti potrošniške vzorce oziroma zamenjati ponudnika.
That benefit would be maximised by the ex post fee information presenting the most representative services in the same order as the ex ante fee information.
Ta prednost bi se še povečana z naknadnimi informacijami o nadomestilih, v katerih bi bile najbolj reprezentativne storitve navedene v enakem zaporedju kot v predhodnih informacijah o nadomestilih.
To satisfy the needs of consumers, it is necessary to ensure that fee information on payment accounts is accurate, clear and comparable.
Da se zadovolji potrebam potrošnikov je treba zagotoviti, da so informacije o nadomestilih za plačilne račune točne, jasne in primerljive.
EBA should therefore, after consulting national authorities and after consumer testing, develop draft implementing technical standards regarding a standardised presentation format for the fee information document and the statement of fees and the common symbols, in order to ensure that they are understandable and comparable for consumers.
Zato bi moral EBA po posvetovanju z nacionalnimi organi in preskušanju pri potrošnikih pripraviti osnutek izvedbenih tehničnih standardov v zvezi s standardizirano predstavitveno obliko za dokument z informacijami o nadomestilih, obračun nadomestil in skupne simbole, s čimer bi se potrošnikom zagotovila razumljivost in možnost primerjave.
The same format, order of items and headings should be followed for every fee information document and statement of fees in each Member State, allowing consumers to compare the two documents, thereby maximising understanding and use of the information.
V dokumentih z informacijami o nadomestilih in obračunih nadomestil bi bilo treba v vsaki državi članici uporabiti enako obliko, enak vrstni red točk in enake naslove, kar bi potrošnikom omogočilo primerjavo obeh dokumentov ter povečalo razumevanje in uporabnost informacij.
The fee information document and statement of fees should be clearly distinguishable from other communications.
Dokument z informacijami o nadomestilih in obračun nadomestil bi se morala jasno razlikovati od drugih obvestil.
Furthermore, when developing those formats, EBA should also take into account the fact that Member States may choose to provide the fee information document and the statement of fees together with information required pursuant to other Union or national legislative acts on payment accounts and related services.
EBA bi moral pri pripravi oblik tudi upoštevati dejstvo, da lahko države članice dokument z informacijami o nadomestilih in obračun nadomestil zagotovijo skupaj z informacijami, potrebnimi v skladu z drugim zakonodajnim aktom Unije ali nacionalnimi zakonodajnimi akti o plačilnih računih in povezanih storitvah.
In order to ensure consistent use of applicable Union-level terminology across the Union, Member States should establish an obligation requiring payment service providers to use the applicable Union-level terminology together with the remaining national standardised terminology identified in the final list when communicating with consumers, including in the fee information document and the statement of fees.
Da bi zagotovili dosledno uporabo veljavne terminologije na ravni Unije v celotni Uniji, bi morale države članice določiti obveznost, ki od ponudnikov plačilnih storitev zahteva, da pri komunikaciji s potrošniki uporabljajo veljavno terminologijo na ravni Unije in ostalo nacionalno standardizirano terminologijo s končnega seznama, tudi v dokumentu z informacijami o nadomestilih in obračunu nadomestil.
Payment service providers should be able to use brand names in their contractual, commercial and marketing information to consumers, as long as they clearly identify the applicable corresponding standardised term.
Ponudniki plačilnih storitev bi morali imeti možnost, da v pogodbenih, poslovnih in tržnih informacijah za potrošnike uporabljajo tržna imena, če pri tem jasno navedejo ustrezen veljaven standardiziran izraz.
Where they choose to use brand names in the fee information document or statement of fees, this should be in addition to the standardised terms as a secondary designation, such as in brackets or in a smaller font size.
Kadar v dokumentu z informacijami o nadomestilih ali v obračunu nadomestil uporabijo tržna imena, bi morala ta biti dodana standardiziranim izrazom kot drugotno poimenovanje, izraženo na primer v oklepajih ali manjšem tisku.
Comparison websites that are independent are an effective means for consumers to assess the merits of different payment account offers in one place.
Neodvisna primerjalna spletna mesta so učinkovito sredstvo, s katerim lahko potrošniki na enem mestu ocenijo koristi različnih ponudb plačilnih računov.
Such websites can provide the right balance between the need for information to be clear and concise and the need for it to be complete and comprehensive, by enabling users to obtain more detailed information where this is of interest to them.
Takšna spletna mesta lahko zagotovijo pravo ravnotežje med potrebo po jasnosti in jedrnatosti informacij ter potrebo po popolnosti in celovitosti teh informacij, saj omogočajo, da uporabniki pridobijo natančnejše informacije, kadar jih potrebujejo.
They should aim at including the broadest possible range of offers, so as to give a representative overview, while also covering a significant part of the market.
Zajeti bi morala čim več ponudb, da bi zagotovila reprezentativen pregled in hkrati pokrila znaten del trga.
They can also reduce search costs as consumers will not need to collect information separately from payment service providers.
Prav tako lahko zmanjšajo stroške iskanja, saj potrošnikom informacij ne bo treba zbirati ločeno pri ponudnikih plačilnih storitev.
It is crucial that the information given on such websites be trustworthy, impartial and transparent and that consumers be informed of the availability of such websites.
Bistveno je, da so informacije na takšnih spletnih mestih zanesljive, nepristranske in pregledne ter da so potrošniki obveščeni o dostopnosti takšnih spletnih mest.
In this regard, Member States should inform the public of such websites.
Zato bi morale države članice javnost obveščati o takšnih spletnih mestih.
In order to obtain impartial information on fees charged and interest rates applied in relation to payment accounts, consumers should be able to use publicly accessible comparison websites that are operationally independent from payment service providers, which means that no payment service provider should be given favourable treatment in search results.
Zaradi pridobivanja nepristranskih informacij o nadomestilih in obrestnih merah v zvezi s plačilnimi računi bi bilo treba potrošnikom omogočiti uporabo javno dostopnih primerjalnih spletnih mest, ki so operativno neodvisna od ponudnikov plačilnih storitev, kar pomeni, da noben ponudnik plačilnih storitev ne bi smel biti v privilegiranem položaju pri rezultatih iskanja.
Member States should therefore ensure that consumers have free access to at least one such website in their respective territories.
Zato bi morale države članice zagotoviti, da imajo potrošniki na njihovem ozemlju prost dostop do vsaj enega takšnega spletnega mesta.
Such comparison websites may be operated by, or on behalf of, the competent authorities, other public authorities and/or private operators.
Takšna primerjalna spletna mesta bi lahko upravljali pristojni organi, drugi javni organi in/ali zasebni upravljavci ali bi jih upravljala tretja stran v njihovem imenu.
The function of comparing fees connected to payment accounts may also be fulfilled by existing websites comparing a broad range of financial or non-financial products.
Primerjavo nadomestil, povezanih s plačilnimi računi, lahko omogočajo tudi obstoječa spletna mesta, namenjena primerjavi različnih finančnih ali nefinančnih produktov.
Such websites should be operated in accordance with specified quality criteria including the requirement to provide details of their owners, to provide accurate and up-to-date information, to state the time of the last update, to set out clear, objective criteria on which the comparison will be based and to include a broad range of payment account offers covering a significant part of the market.
Takšna spletna mesta bi bilo treba upravljati v skladu z določenimi merili kakovosti, vključno z zahtevo po zagotavljanju podrobnosti o njegovih lastnikih, točnih in najnovejših informacij, datuma in časa zadnje posodobitve, jasnih in objektivnih meril, na katerih bo temeljila primerjava, ter širokega nabora ponudb plačilnih računov, s katerim se zajame znaten del trga.
Member States should be able to determine how often comparison websites are to review and update the information they provide to consumers, taking into account the frequency with which payment service providers generally update their fee information.
Države članice bi lahko določile, kako pogosto bi spletna mesta morala pregledovati in posodabljati informacije, ki jih zagotavljajo potrošnikom, ob upoštevanju pogostosti, s katero ponudniki plačilnih storitev na splošno posodabljajo svoje informacije o nadomestilih.
Member States should also determine what constitutes a broad range of payment account offers covering a significant part of the market, by assessing, for example, how many payment service providers exist and therefore whether a simple majority or less would be sufficient and/or market share and/or their geographic location.
Države članice bi morale tudi določiti, kaj je širok nabor ponudb plačilnih storitev, s katerim se zajame znaten del trga, tako da preučijo na primer tržni delež in/ali geografsko lokacijo ponudnikov plačilnih storitev in/ali njihovo število, pri čemer ocenijo, ali bi zadostovala navadna večina ali manj.
A comparison website should compare the fees payable for services contained in the list of most representative services linked to payment accounts, integrating Union-level terminology.
Na primerjalnem spletnem mestu bi morala biti primerjava nadomestil, ki se jih plača za storitve s seznama najbolj reprezentativnih storitev, povezanih s plačilnimi računi, pri čemer se upošteva terminologija na ravni Unije.
It is appropriate that Member States should be able to require such websites to compare other information, for example information on determinants of the level of services provided by payment service providers, such as the number and location of branches or automated teller machines.
Primerno je, da bi države članice lahko zahtevale, da takšna spletna mesta primerjajo druge informacije, na primer o dejavnikih, ki vplivajo na raven storitev ponudnikov plačilnih storitev, kot sta število in porazdelitev podružnic ali bankomatov.
Where there is only one website in a Member State and that website ceases to operate or ceases to comply with the quality criteria, the Member State should ensure that consumers have access within a reasonable time to another comparison website at national level.
Kadar je v državi članici le eno spletno mesto, ki preneha delovati ali izpolnjevati merila kakovosti, bi morala država članica zagotoviti, da imajo potrošniki v razumnem roku dostop do drugega primerjalnega spletnega mesta na nacionalni ravni.
It is current practice for payment service providers to offer a payment account in a package with products or services other than services linked to a payment account, such as insurance products or financial advice.
Sedanja praksa je, da ponudniki plačilnih storitev ponujajo plačilni račun v paketu s produkti ali storitvami, ki niso povezani s plačilnim računom, kot so zavarovalni produkti ali finančno svetovanje.
That practice can be a means for payment service providers to diversify their offers and to compete against each other, and in the end it can be beneficial for consumers.
S to prakso lahko ponudniki plačilnih storitev razširijo svojo ponudbo in med seboj konkurirajo, pozitivna pa je lahko tudi za potrošnike.
However, the Commission’s 2009 study on tying practices in the financial sector, as well as relevant consultations and consumer complaints, have shown that payment service providers may offer payment accounts packaged with products not requested by consumers which are not essential for payment accounts, such as household insurance.
Vendar je bilo na podlagi študije Komisije iz leta 2009 o vezavah v finančnem sektorju ter ustreznih posvetovanj in pritožb potrošnikov ugotovljeno, da lahko ponudniki plačilnih storitev ponujajo plačilne račune v paketu s produkti, ki jih potrošniki ne želijo in niso bistveni za plačilne račune, na primer skupaj s stanovanjskim zavarovanjem.
Moreover, it has been observed that those practices may reduce transparency and comparability of prices, limit purchasing options for consumers and negatively impact upon their mobility.
Poleg tega je bilo ugotovljeno, da lahko takšne prakse zmanjšajo preglednost in primerljivost cen, omejijo izbiro potrošnikov pri nakupu ter negativno vplivajo na njihovo mobilnost.
Therefore, Member States should ensure that when payment service providers offer packaged payment accounts consumers are provided with information on whether it is possible to purchase the payment account separately and if so, provide separate information regarding the applicable costs and fees associated with each of the other products or services included in the package that can be purchased separately.
Zato bi morale države članice zagotoviti, da ponudniki plačilnih storitev, ki ponujajo plačilne račune v paketu, potrošnike obvestijo, ali lahko plačilni račun kupijo ločeno, in v tem primeru zagotovijo ločene informacije o veljavnih stroških in nadomestilih za posamezne druge produkte ali storitve v paketu, ki se lahko kupijo ločeno.
The process for switching payment accounts should be harmonised across the Union.
Postopek zamenjave plačilnih računov bi bilo treba uskladiti po vsej Uniji.
At present, existing measures at national level are extremely diverse and do not guarantee an adequate level of consumer protection in all Member States.
Zaenkrat so obstoječi ukrepi na nacionalni ravni zelo različni in ne zagotavljajo ustrezne ravni varstva potrošnikov v vseh državah članicah.
The provision of legislative measures establishing the main principles to be followed by payment service providers when providing such a service in each Member State would improve the functioning of the internal market for both consumers and payment service providers.
Z uvedbo zakonodajnih ukrepov za določitev glavnih načel, ki jih ponudniki plačilnih storitev upoštevajo pri zagotavljanju takšne storitve v vsaki državi članici, bi se izboljšalo delovanje notranjega trga tako za potrošnike kot ponudnike plačilnih storitev.
On the one hand, it would guarantee a level playing field for consumers who may be interested in opening a payment account in a different Member State, as it would ensure that an equivalent level of protection is offered.
To bi na eni strani zagotovilo enake pogoje za potrošnike, ki se morda zanimajo za odprtje plačilnega računa v drugi državi članici, saj bi se zagotovila enakovredna raven varstva.
On the other hand, it would reduce the differences between the regulatory measures in place at national level and would therefore reduce the administrative burden for payment service providers which intend to offer their services on a cross-border basis.
Na drugi strani pa bi se zmanjšale razlike med regulativnimi ukrepi na nacionalni ravni, s tem pa upravno breme ponudnikov plačilnih storitev, ki nameravajo ponujati storitve čezmejno.
As a consequence, the measures on switching would facilitate the provision of services related to payment accounts within the internal market.
Posledično bi ukrepi glede zamenjave računov olajšali zagotavljanje storitev, povezanih s plačilnimi računi, na notranjem trgu.
Switching should not imply the transfer of the contract from the transferring payment service provider to the receiving payment service provider.
Zamenjava računov ne bi smela pomeniti prenosa pogodbe s prenosnega ponudnika plačilnih storitev na prejemnega ponudnika plačilnih storitev.
Consumers only have an incentive to switch payment accounts if the process does not entail an excessive administrative and financial burden.
Potrošniki so k zamenjavi plačilnega računa spodbujeni le, če postopek ne povzroči pretiranega upravnega in finančnega bremena.
Therefore, payment service providers should offer to consumers a clear, quick and safe procedure to switch payment accounts, including payment accounts with basic features.
Zato bi morali ponudniki plačilnih storitev potrošnikom ponujati jasen, hiter in varen postopek za zamenjavo plačilnih računov, tudi osnovnih.
Such a procedure should be guaranteed when consumers want to switch from one payment service provider to another, and also when consumers want to switch between different payment accounts within the same payment service provider.
Takšen postopek bi bilo treba zagotoviti potrošnikom, kadar želijo zamenjati enega ponudnika plačilnih storitev za drugega, pa tudi kadar želijo zamenjati različne plačilne račune pri istem ponudniku plačilnih storitev.
This would allow consumers to benefit from the most convenient offers on the market and to easily change from their existing payment account to other potentially more suitable ones, irrespective of whether this occurs within the same payment service provider or between different payment service providers.
To bi potrošnikom omogočilo, da izkoristijo najugodnejše ponudbe na trgu in svoj trenutni plačilni račun zlahka zamenjajo za drugega, ki je morebiti ustreznejši, ne glede na to, ali to storijo v okviru istega ponudnika plačilnih storitev ali med različnimi ponudniki plačilnih storitev.
Any fees charged by payment service providers in relation to the switching service should be reasonable and in line with the actual cost incurred by payment service providers.
Morebitna nadomestila, ki jih ponudnik plačilnih storitev zaračuna za storitev zamenjave, bi morale biti razumne in v skladu z dejanskimi stroški ponudnikov plačilnih storitev.
Member States should be allowed, with regard to switching where both payment service providers are located in their territory, to establish or maintain arrangements that differ from those provided for in this Directive if this is clearly in the interests of the consumer.
Pri postopku zamenjave, kadar sta oba ponudnika plačilnih storitev na ozemlju ene države članice, bi bilo treba tem državam dovoliti, da določijo ali ohranijo ureditev, ki se razlikuje od ureditve iz te direktive, če je to jasno v interesu potrošnika.
The switching process should be as straightforward as possible for the consumer.
Postopek zamenjave bi moral biti za potrošnika čim bolj enostaven.
Accordingly, Member States should ensure that the receiving payment service provider is responsible for initiating and managing the process on behalf of the consumer.
Zato bi morale države članice zagotoviti, da je prejemni ponudnik plačilnih storitev odgovoren za začetek in vodenje postopka v imenu potrošnika.
Member States should be able to use additional means, such as a technical solution, when establishing the switching service.
Države članice bi lahko pri določanju storitve zamenjave uporabile dodatna sredstva, na primer tehnične rešitve.
Such additional means may exceed the requirements of this Directive; for example, the switching service may be provided in a shorter time-frame or payment service providers may be required to ensure, upon a consumer’s request, the automated or manual routing of credit transfers received on the former payment account to the new payment account for a set limited period starting from receipt of the authorisation to switch.
Takšna dodatna sredstva lahko presegajo zahteve te direktive, saj se lahko na primer določi krajši časovni okvir za izvedbo storitve zamenjave ali pa se od ponudnikov plačilnih storitev zahteva, da na zahtevo potrošnika za določeno omejeno obdobje, ki se začne s prejemom pooblastitve zamenjave, zagotovijo samodejno ali ročno posredovanje kreditnih plačil, prejetih na prejšnji plačilni račun, na nov plačilni račun.
Such additional means may also be used by payment service providers on a voluntary basis even where this is not required by a Member State.
Takšna dodatna sredstva lahko ponudniki plačilnih storitev uporabijo tudi prostovoljno, tudi če država članica tega ne zahteva.
Consumers should be allowed to ask the receiving payment service provider to switch all or part of the incoming credit transfers, standing orders for credit transfers or direct debit mandates, ideally within a single meeting with the receiving payment service provider.
Potrošnikom bi bilo treba omogočiti, da od prejemnega ponudnika plačilnih storitev zahtevajo, da v celoti ali delno izvede zamenjavo vhodnih kreditnih plačil, trajnih nalogov za kreditna plačila ali soglasij za direktne obremenitve, pri čemer je zaželeno, da bi bil za to potreben samo en obisk pri prejemnem ponudniku plačilnih storitev.
To that end, consumers should be able to sign one authorisation giving consent to each of the abovementioned tasks.
Zato bi potrošniki morali imeti možnost, da podpišejo eno pooblastilo, s katerim odobrijo izvedbo vseh zgoraj navedenih nalog.
Member States could require that the authorisation from the consumer be in writing, but could also choose to accept equivalent means where appropriate, for example where an automated system for switching is in place.
Države članice bi lahko zahtevale pisno pooblastilo potrošnika, lahko pa bi sprejele tudi enakovredna sredstva, kadar je ustrezno, na primer kadar se za zamenjavo uporablja avtomatiziran sistem.
Before giving the authorisation, the consumer should be informed of all the steps of the procedure necessary to complete the switching.
Pred podpisom pooblastila bi moral biti potrošnik obveščen o vseh korakih postopka, potrebnih za zamenjavo.
For example, the authorisation could include all the tasks that form part of the switching service and could allow for the possibility of the consumer choosing only some of those tasks.
Pooblastilo bi lahko na primer zajemalo vse naloge, ki predstavljajo del storitve zamenjave, pri čemer bi lahko potrošnik izbiral le nekaj izmed teh nalog.
The cooperation of the transferring payment service provider is necessary in order for the switching to be successful.
Za uspešno zamenjavo je potrebno sodelovanje prenosnega ponudnika plačilnih storitev.