natgillin/translations-raw huggingface dataset:
‘payment instrument’ means a payment instrument as defined in point (23) of Article 4 of Directive 2007/64/EC;
„plačilni instrument“ pomeni plačilni instrument, kot je opredeljen v točki 23 člena 4 Direktive 2007/64/ES;
‘transferring payment service provider’ means the payment service provider from which the information required to perform the switching is transferred;
„prenosni ponudnik plačilnih storitev“ pomeni ponudnika plačilnih storitev, od katerega se prenesejo informacije, potrebne za izvedbo zamenjave;
‘receiving payment service provider’ means the payment service provider to which the information required to perform the switching is transferred;
„prejemni ponudnik plačilnih storitev“ pomeni ponudnika plačilnih storitev, h kateremu se prenesejo informacije, potrebne za izvedbo zamenjave;
‘payment order’ means any instruction by a payer or payee to his payment service provider requesting the execution of a payment transaction;
„plačilni nalog“ pomeni kakršno koli navodilo plačnika ali prejemnika plačila njegovemu ponudniku plačilnih storitev, s katerim zahteva izvedbo plačilne transakcije;
‘payer’ means a natural or legal person who holds a payment account and allows a payment order from that payment account or, where there is no payer’s payment account, a natural or legal person who makes a payment order to a payee’s payment account;
„plačnik“ pomeni fizično ali pravno osebo, ki je imetnik plačilnega računa in odredi plačilni nalog v breme plačilnega računa, ali – če plačilni račun plačnika ne obstaja – fizično ali pravno osebo, ki izda plačilni nalog za prenos na plačilni račun prejemnika plačila;
‘fees’ means all charges and penalties, if any, payable by the consumer to the payment service provider for or in relation to services linked to a payment account;
„nadomestila“ pomeni vse morebitne stroške in kazni, ki jih mora potrošnik plačati ponudniku plačilnih storitev za ali v zvezi s storitvami, povezanimi s plačilnim računom;
‘credit interest rate’ means any rate at which interest is paid to the consumer in respect of funds held in a payment account;
„kreditna obrestna mera“ pomeni vsako obrestno mero, plačano potrošniku glede sredstev na plačilnem računu;
‘durable medium’ means any instrument which enables the consumer to store information addressed personally to that consumer in a way accessible for future reference for a period of time adequate for the purposes of the information and which allows the unchanged reproduction of the information stored;
„trajni nosilec podatkov“ pomeni vsak instrument, ki potrošniku omogoča, da njemu osebno namenjene informacije shrani tako, da so mu dostopne za poznejšo uporabo za obdobje, ustrezno glede na namen informacij, in ki omogoča nespremenjeno reprodukcijo shranjenih podatkov;
‘switching’ or ‘switching service’ means, upon a consumer’s request, transferring from one payment service provider to another either the information about all or some standing orders for credit transfers, recurring direct debits and recurring incoming credit transfers executed on a payment account, or any positive payment account balance from one payment account to the other, or both, with or without closing the former payment account;
„zamenjava“ ali „storitev zamenjave“ pomeni – na potrošnikovo zahtevo – prenos informacij o vseh ali nekaterih trajnih nalogih za kreditna plačila, periodičnih direktnih obremenitvah in periodičnih vhodnih kreditnih plačilih, izvršenih na plačilnem računu, od enega ponudnika plačilnih storitev k drugemu ali katerega koli pozitivnega stanja sredstev na plačilnem računu z enega plačilnega računa na drugega ali oba navedena prenosa, pri čemer se lahko prejšnji plačilni račun zapre ali pa ne;
‘direct debit’ means a national or cross-border payment service for debiting a payer’s payment account, where a payment transaction is initiated by the payee on the basis of the payer’s consent;
„direktna obremenitev“ pomeni nacionalno ali čezmejno plačilno storitev v breme plačilnega računa plačnika, pri čemer plačilno transakcijo odredi prejemnik plačila na podlagi soglasja plačnika;
‘credit transfer’ means a national or cross-border payment service for crediting a payee’s payment account with a payment transaction or a series of payment transactions from a payer’s payment account by the payment service provider which holds the payer’s payment account, based on an instruction given by the payer;
„kreditno plačilo“ pomeni nacionalno ali čezmejno plačilno storitev knjiženja v dobro plačilnega računa prejemnika plačila na podlagi plačilne transakcije ali vrste plačilnih transakcij s plačilnega računa plačnika, ki jo na podlagi navodila plačnika opravi ponudnik plačilnih storitev, ki vodi plačnikov plačilni račun;
‘standing order’ means an instruction given by the payer to the payment service provider which holds the payer’s payment account to execute credit transfers at regular intervals or on predetermined dates;
„trajni nalog“ pomeni navodilo plačnika ponudniku plačilnih storitev, ki vodi plačnikov plačilni račun, naj redno ali na vnaprej določene datume izvršuje kreditna plačila;
‘funds’ means banknotes and coins, scriptural money, and electronic money as defined in point (2) of Article 2 of Directive 2009/110/EC of the European Parliament and of the Council [19];
„sredstva“ pomenijo bankovce in kovance, knjižni denar ter elektronski denar, kot je opredeljen v točki 2 člena 2 Direktive 2009/110/ES Evropskega parlamenta in Sveta [19];
‘framework contract’ means a payment service contract which governs the future execution of individual and successive payment transactions and which may contain the obligation and conditions for setting up a payment account;
„okvirna pogodba“ pomeni pogodbo o plačilnih storitvah, ki ureja izvršitev posamezne plačilne transakcije ali več zaporednih plačilnih transakcij v prihodnosti in lahko vsebuje obveznost in pogoje za odprtje plačilnega računa;
‘business day’ means a day on which the relevant payment service provider is open for business as required for the execution of a payment transaction;
„delovni dan“ pomeni dan, na katerega zadevni ponudnik plačilnih storitev posluje tako, kot je potrebno za izvršitev plačilne transakcije;
‘overdraft facility’ means an explicit credit agreement whereby a payment service provider makes available to a consumer funds which exceed the current balance in the consumer’s payment account;
„možnost prekoračitve“ pomeni izrecno kreditno pogodbo, v skladu s katero ponudnik plačilnih storitev potrošniku omogoči razpolaganje s sredstvi, ki presegajo trenutno stanje na njegovem plačilnem računu;
‘overrunning’ means a tacitly accepted overdraft whereby a payment service provider makes available to a consumer funds which exceed the current balance in the consumer’s payment account or the agreed overdraft facility;
„tiho dovoljena prekoračitev“ pomeni prekoračitev, pri kateri ponudnik plačilnih storitev potrošniku tiho dovoli, da razpolaga s sredstvi, ki presegajo trenutno stanje na njegovem plačilnem računu ali dogovorjeno možnost prekoračitve;
‘competent authority’ means an authority designated as competent by a Member State in accordance with Article 21.
„pristojni organ“ pomeni organ, ki ga država članica v skladu s členom 21 imenuje za pristojnega.
COMPARABILITY OF FEES CONNECTED WITH PAYMENT ACCOUNTS
PRIMERLJIVOST NADOMESTIL, POVEZANIH S PLAČILNIMI RAČUNI
List of the most representative services linked to a payment account and subject to a fee at national level and standardised terminology
Seznam najbolj reprezentativnih storitev, povezanih s plačilnim računom, za katere se na nacionalni ravni plačuje nadomestilo, in standardizirana terminologija
Member States shall establish a provisional list of at least 10 and no more than 20 of the most representative services linked to a payment account and subject to a fee, offered by at least one payment service provider at national level.
Države članice vzpostavijo začasni seznam najmanj 10 in največ 20 najbolj reprezentativnih storitev, povezanih s plačilnim računom, za katere se plačuje nadomestilo, ki jih nudi vsaj en ponudnik plačilnih storitev na nacionalni ravni.
In any official language of a Member State, only one term shall be used for each service.
jih potrošniki najpogosteje uporabljajo v zvezi s plačilnim računom;
For the purposes of paragraph 1, the Member States shall have regard to the services that:
za potrošnike predstavljajo najvišje stroške, tako skupne kot na enoto;
are most commonly used by consumers in relation to their payment account;
Da se zagotovi pravilna uporaba meril iz prvega pododstavka tega odstavka, EBA na podlagi člena 16 Uredbe (EU) št. 1093/2010 izda smernice do 18. marca 2015.
generate the highest cost for consumers, both overall as well as per unit.
EBA na podlagi začasnih seznamov, o katerih je bila obveščena v skladu z odstavkom 3, pripravi osnutke regulativnih tehničnih standardov, ki določajo standardizirano terminologijo Unije za storitve, ki so skupne vsaj večini držav članic.
Member States shall notify to the Commission and to EBA the provisional lists referred to in paragraph 1 by 18 September 2015.
V katerem koli uradnem jeziku države članice se za vsako storitev uporablja le en izraz.
On request, Member States shall provide the Commission with supplementary information concerning the data on the basis of which they have compiled those lists with regard to the criteria set out in paragraph 2.
EBA navedene osnutke regulativnih tehničnih standardov Komisiji predloži do 18. septembra 2016.
On the basis of the provisional lists notified pursuant to paragraph 3, EBA shall develop draft regulatory technical standards setting out the Union standardised terminology for those services that are common to at least a majority of Member States.
Na Komisijo se prenese pooblastilo za sprejetje regulativnih tehničnih standardov iz prvega pododstavka v skladu s postopkom iz členov 10 do 14 Uredbe (EU) št. 1093/2010.
The Union standardised terminology shall include common terms and definitions for the common services and shall be made available in the official languages of the institutions of the Union.
Države članice standardizirano terminologijo Unije, določeno v skladu z odstavkom 4, vključijo v začasni seznam iz odstavka 1 in iz tega izhajajoč končni seznam najbolj reprezentativnih storitev povezanih s plačilnim računom objavijo nemudoma, najpozneje pa v treh mesecih po začetku veljavnosti delegiranega akta iz odstavka 4.
In any official language of a Member State, only one term shall be used for each service.
Države članice vsaka štiri leta, po objavi končnega seznama iz odstavka 5, ocenijo in, kadar je potrebno, posodobijo seznam najbolj reprezentativnih storitev, vzpostavljen v skladu z odstavkoma 1 in 2.
EBA shall submit those draft regulatory technical standards to the Commission by 18 September 2016
Komisijo in EBA uradno obvestijo o rezultatih svojega ocenjevanja in, če je to ustrezno, posodobitvi seznama najbolj reprezentativnih storitev.
Power is delegated to the Commission to adopt the regulatory technical standards referred to in the first subparagraph in accordance with the procedure laid down in Articles 10 to 14 of Regulation (EU) No 1093/2010.
EBA pregleda in, kadar je to ustrezno, posodobi standardizirano terminologijo Unije v skladu s postopkom iz odstavka 4.
Member States shall integrate the Union standardised terminology established under paragraph 4 into the provisional list referred to in paragraph 1 and shall publish the resulting final list of the most representative services linked to a payment account without delay and at the latest within three months after the delegated act referred to in paragraph 4 has entered into force.
Po posodobitvi standardizirane terminologije Unije države članice posodobijo in objavijo svoje končne sezname iz odstavka 5 ter zagotovijo, da ponudniki plačilnih storitev uporabljajo posodobljene izraze in opredelitve.
Every four years, following publication of the final list referred to in paragraph 5, Member States shall assess and, where appropriate, update the list of the most representative services established pursuant to paragraphs 1 and 2.
Člen 4
They shall notify to the Commission and to EBA the outcome of their assessment and, where applicable, of the updated list of the most representative services.
Dokument z informacijami o nadomestilih in glosar
EBA shall review and, where necessary, update the Union standardised terminology, in accordance with the process set out in paragraph 4.
Brez poseganja v člen 42(3) Direktive 2007/64/ES in poglavje II Direktive 2008/48/ES države članice zagotovijo, da ponudniki plačilnih storitev pred sklenitvijo pogodbe za plačilni račun s potrošnikom slednjemu pravočasno zagotovijo dokument z informacijami o nadomestilih v papirni obliki ali drugem trajnem nosilcu podatkov, ki vsebuje standardizirane izraze s končnega seznama najbolj reprezentativnih storitev, povezanih s plačilnim računom, iz člena 3(5) te direktive in, kadar te storitve ponuja ponudnik plačilnih storitev, ustrezna nadomestila za vsako storitev.
Upon the Union standardised terminology being updated, Member States shall update and publish their final list as referred to in paragraph 5 and shall ensure that payment service providers use the updated terms and definitions.
Dokument z informacijami o nadomestilih:
Article 4
je kratek in vsebinsko zaključen dokument;
Fee information document and glossary
je pripravljen in oblikovan tako, da je jasen in enostaven za branje, z znaki, ki so primerne velikosti za branje;
Without prejudice to Article 42(3) of Directive 2007/64/EC and Chapter II of Directive 2008/48/EC, Member States shall ensure that, in good time before entering into a contract for a payment account with a consumer, payment service providers provide the consumer with a fee information document on paper or another durable medium containing the standardised terms in the final list of the most representative services linked to a payment account referred to in Article 3(5) of this Directive and, where such services are offered by a payment service provider, the corresponding fees for each service.
ni manj razumljiv, ko je natisnjen ali fotokopiran v črno-beli obliki, če je izvirnik barven;
The fee information document shall:
je pripravljen v uradnem jeziku države članice, v kateri je na voljo plačilni račun, ali v drugem jeziku, če se tako dogovorita potrošnik in ponudnik plačilnih storitev;
be a short and stand-alone document;
vsebuje točne informacije in ne zavaja, v njem pa se uporablja valuta plačilnega računa ali druga valuta Unije, če se tako dogovorita potrošnik in ponudnik plačilnih storitev;
be presented and laid out in a way that is clear and easy to read, using characters of a readable size;
vsebuje navedbo, da zajema nadomestila za najbolj reprezentativne storitve, povezane s plačilnim računom, in da so izčrpne predpogodbene in pogodbene informacije o vseh storitvah na voljo v drugih dokumentih.
be no less comprehensible in the event that, having been originally produced in colour, it is printed or photocopied in black and white;
Države članice lahko določijo, da se za namene iz odstavka 1 dokument z informacijami o nadomestilih zagotovi skupaj z informacijami, zahtevanimi v skladu z drugimi zakonodajnimi akti Unije ali nacionalnimi zakonodajnimi akti o plačilnih računih in s tem povezanimi storitvami, pod pogojem da so izpolnjene vse zahteve iz prvega pododstavka tega odstavka.
be accurate, not misleading and expressed in the currency of the payment account or, if agreed by the consumer and the payment service provider, in another currency of the Union;
Države članice določijo, da morajo ponudniki plačilnih storitev potrošnikom obvezno dati na voljo glosar, ki vključuje vsaj standardizirane izraze s končnega seznama iz člena 3(5) in z njim povezane opredelitve pojmov.
contain the title ‘fee information document’ at the top of the first page next to a common symbol to distinguish the document from other documentation;
Države članice zagotovijo, da se glosar iz prvega pododstavka, vključno z morebitnimi drugimi opredelitvami pojmov, oblikuje v jasnem, nedvoumnem in poljudnem jeziku ter da glosar ni zavajajoč.
include a statement that it contains fees for the most representative services related to the payment account and that complete pre-contractual and contractual information on all the services is provided in other documents.
Ponudniki plačilnih storitev zagotovijo, da sta dokument z informacijami o nadomestilih in glosar vedno na voljo potrošnikom.
Member States may determine that, for the purposes of paragraph 1, the fee information document shall be provided together with information required pursuant to other Union or national legislative acts on payment accounts and related services on the condition that all the requirements of the first subparagraph of this paragraph are met.
Zagotovita se na način, ki je lahko dostopen, tudi za nestranke, v elektronski obliki na njihovih spletnih mestih, kadar so na voljo, in v prostorih ponudnikov plačilnih storitev.
Where one or more services are offered as part of a package of services linked to a payment account, the fee information document shall disclose the fee for the entire package, the services included in the package and their quantity, and the additional fee for any service that exceeds the quantity covered by the package fee.
Brezplačno se na zahtevo potrošnika zagotovita tudi v papirni obliki ali na drugem trajnem nosilcu podatkov.
Member States shall establish an obligation for payment service providers to make available to consumers a glossary of at least the standardised terms set out in the final list referred to in Article 3(5) and the related definitions.
EBA po posvetovanju z nacionalnimi organi in po raziskavi pri potrošnikih oblikuje osnutek izvedbenih tehničnih standardov v zvezi s standardizirano predstavitveno obliko dokumenta z informacijami o nadomestilih in njegovega skupnega simbola.
Member States shall ensure that the glossary provided pursuant to the first subparagraph, including other definitions, if any, is drafted in clear, unambiguous and non-technical language and that it is not misleading.
EBA te osnutke izvedbenih tehničnih standardov predloži Komisiji do 18. septembra 2016.
The fee information document and the glossary shall be made available to consumers at any time by payment service providers.
Na Komisijo se prenese pooblastilo za sprejemanje izvedbenih tehničnih standardov iz prvega pododstavka tega odstavka v skladu s členom 15 Uredbe (EU) št. 1093/2010.
They shall be provided in an easily accessible manner, including to non-customers, in electronic form on their websites where available and in the premises of payment service providers accessible to consumers.
EBA po posodobitvi standardizirane terminologije Unije v skladu s členom 3(6) kadar potrebno pregleda in posodobi standardizirano predstavitveno obliko dokumenta z informacijami o nadomestilih in njegovega skupnega simbola v skladu s postopkom iz odstavka 6 tega člena.
They shall also be provided on paper or another durable medium free of charge upon request by a consumer.
Člen 5
EBA, after consulting national authorities and after consumer testing, shall develop draft implementing technical standards regarding a standardised presentation format of the fee information document and its common symbol.
Obračun nadomestil
EBA shall submit those draft implementing technical standards to the Commission by 18 September 2016.
Brez poseganja v člena 47 in 48 Direktive 2007/64/ES ter člen 12 Direktive 2008/48/ES države članice zagotovijo, da ponudniki plačilnih storitev potrošniku vsaj enkrat letno na papirju ali drugem trajnem nosilcu podatkov brezplačno izdajo obračun vseh zaračunanih nadomestil ter ga po potrebi informirajo o obrestnih merah iz točk (c) in (d) odstavka 2 tega člena, za storitve, povezane s plačilnim računom.
Power is conferred on the Commission to adopt the implementing technical standards referred to in the first subparagraph of this paragraph in accordance with Article 15 of Regulation (EU) No 1093/2010.
Po potrebi uporabijo standardizirane izraze s končnega seznama iz člena 3(5) te direktive.
Following the updating of the Union standardised terminology pursuant to Article 3(6), EBA shall, where necessary, review and update the standardised presentation format of the fee information document and its common symbol, following the procedure set out in paragraph 6 of this Article.
S potrošnikom se dogovorijo o komunikacijskem kanalu, ki se uporabi za zagotovitev obračuna nadomestil.
Article 5
Obračun nadomestil se zagotovi v papirni obliki, vsaj na zahtevo potrošnika.
Statement of fees
V obračunu nadomestil so navedene vsaj naslednje informacije:
Without prejudice to Articles 47 and 48 of Directive 2007/64/EC and Article 12 of Directive 2008/48/EC, Member States shall ensure that payment service providers provide the consumer, at least annually and free of charge, with a statement of all fees incurred, as well as, where applicable, information regarding the interest rates referred to in points (c) and (d) of paragraph 2 of this Article, for services linked to a payment account.
nadomestilo na enoto, zaračunano za vsako storitev, in kolikokrat je bila storitev uporabljena v zadevnem obdobju; kadar so storitve združene v paket, pa tudi nadomestilo, zaračunano za celoti paket, in kolikokrat je bilo nadomestilo za paket zaračunano v zadevnem obdobju ter dodatno nadomestilo, zaračunano za katero koli storitev, ki presega količino, vključeno v nadomestilo za paket;
Where applicable, payment service providers shall use the standardised terms set out in the final list referred to in Article 3(5) of this Directive.
skupni znesek nadomestil, zaračunanih med zadevnim obdobjem za vsako storitev, vsak paket storitev in storitve, ki presegajo količino, vključeno v nadomestilo za paket;
The communication channel used to provide the statement of fees shall be agreed with the consumer.
po potrebi, obrestna mera za prekoračitev, ki se uporablja za plačilni račun, in skupni znesek obresti, zaračunanih za prekoračitve v zadevnem obdobju;
The statement of fees shall be provided on paper at least upon the request of the consumer.
po potrebi, obrestna mera za kredite, ki se uporablja za plačilni račun, in skupni znesek obresti, natečenih v zadevnem obdobju;
The statement of fees shall specify at least the following information:
skupni znesek nadomestil, zaračunanih za vse storitve v zadevnem obdobju.
the unit fee charged for each service and the number of times the service was used during the relevant period, and where the services are combined in a package, the fee charged for the package as a whole, the number of times the package fee was charged during the relevant period and the additional fee charged for any service exceeding the quantity covered by the package fee;
Obračun nadomestil:
the total amount of fees incurred during the relevant period for each service, each package of services provided and services exceeding the quantity covered by the package fee;
vsebuje točne informacije in ne zavaja, v njem pa se uporablja valuta plačilnega računa ali druga valuta, če se tako dogovorita potrošnik in ponudnik plačilnih storitev;
the overdraft interest rate applied to the payment account and the total amount of interest charged relating to the overdraft during the relevant period, where applicable;
je pripravljen v uradnem jeziku države članice, v kateri je na voljo plačilni račun, ali v drugem jeziku, če se tako dogovorita potrošnik in ponudnik plačilnih storitev.
the credit interest rate applied to the payment account and the total amount of interest earned during the relevant period, where applicable;
Države članice lahko določijo, da se obračun nadomestil zagotovi skupaj z informacijami, zahtevanimi v skladu z drugimi zakonodajnimi akti Unije ali nacionalnimi zakonodajnimi akti o plačilnih računih in s tem povezanimi storitvami, če so izpolnjene vse zahteve iz prvega pododstavka.
the total amount of fees charged for all services provided during the relevant period.
EBA po posvetovanju z nacionalnimi organi in po raziskavi pri potrošnikih oblikuje izvedbene tehnične standarde v zvezi s standardizirano predstavitveno obliko obračuna nadomestil in njegovega skupnega simbola.