natgillin/translations-raw huggingface dataset:
The receiving payment service provider should be provided by the transferring payment service provider with all the information necessary to reinstate the payments on the other payment account.
Prenosni ponudnik plačilnih storitev bi moral prejemnemu ponudniku plačilnih storitev zagotoviti vse potrebne informacije za ponovno vzpostavitev plačil na drugem plačilnem računu.
However, such information should not exceed what is necessary in order to carry out the switching.
Vendar pa takšne informacije ne bi smele presegati tistega, kar je potrebno za izvedbo zamenjave.
In order to facilitate cross-border account-opening, the consumer should be allowed to ask the new payment service provider to set up on the new payment account all or part of standing orders for credit transfers, accept direct debits from the date specified by the consumer, and provide the consumer with information giving details of the new payment account, preferably within a single meeting with the new payment service provider.
Da bi olajšali čezmejno odpiranje računov, bi moral potrošnik imeti možnost novega ponudnika plačilnih storitev pozvati, naj na novem plačilnem računu v celoti ali delno vzpostavi trajne naloge za kreditna plačila, sprejema direktne obremenitve od datuma, ki ga določi potrošnik, in potrošniku zagotovi informacije o novem plačilnem računu, pri čemer je zaželeno, da bi bil za to potreben samo en obisk pri novem ponudniku plačilnih storitev.
Consumers should not be subject to financial losses, including charges and interest, caused by any mistakes made by either of the payment service providers involved in the switching process.
Potrošniki ne bi smeli utrpeti finančnih izgub, vključno s plačilom stroškov in obresti, zaradi napak ponudnikov plačilnih storitev, vključenih v postopek zamenjave.
In particular, consumers should not bear any financial loss deriving from the payment of additional fees, interest or other charges as well as fines, penalties or any other type of financial detriment due to delay in the execution of the payment.
Zlasti ne bi smeli imeti nobenih finančnih izgub zaradi plačila dodatnih nadomestil, obresti ali drugih stroškov ter glob in kazni oziroma utrpeti druge finančne škode zaradi zamud pri izvedbi plačila.
Member States should guarantee that consumers who intend to open a payment account are not discriminated against on the basis of their nationality or place of residence.
Države članice bi morale zagotoviti, da potrošniki, ki želijo odpreti plačilni račun, niso diskriminirani na podlagi državljanstva ali prebivališča.
While it is important for credit institutions to ensure that their customers are not using the financial system for illegal purposes such as fraud, money laundering or terrorism financing, they should not impose barriers to consumers who want to benefit from the advantages of the internal market by opening and using payment accounts on a cross-border basis.
Pomembno je, da kreditne institucije zagotovijo, da njihove stranke ne uporabljajo finančnega sistema v nezakonite namene, kot so goljufije, pranje denarja ali financiranje terorizma, vendar ne bi smele omejevati potrošnikov, ki želijo izkoristiti prednosti notranjega trga s čezmejnim odprtjem in uporabo plačilnih računov.
Therefore, the provisions of Directive 2005/60/EC of the European Parliament and of the Council [9] should not be used as a pretext for rejecting commercially less attractive consumers.
Zato določbe Direktive 2005/60/ES Evropskega parlamenta in Sveta [9] ne bi smele biti razlog za zavrnitev tržno manj zanimivih potrošnikov.
Consumers who are legally resident in the Union should not be discriminated against by reason of their nationality or place of residence, or on any other ground referred to in Article 21 of the Charter of Fundamental Rights of the European Union (the ‘Charter’) when applying for, or accessing, a payment account within the Union.
Potrošniki, ki zakonito prebivajo v Uniji, ne bi smeli biti diskriminirani na podlagi državljanstva ali prebivališča ali katerega koli drugega razloga iz člena 21 Listine Evropske unije o temeljnih pravicah (v nadaljnjem besedilu: Listina), ko zaprosijo za odprtje plačilnega računa v Uniji ali do njega dostopajo.
Furthermore, access to payment accounts with basic features should be ensured by Member States irrespective of the consumers’ financial circumstances, such as their employment status, level of income, credit history or personal bankruptcy.
Poleg tega bi morale države članice zagotoviti dostop do osnovnih plačilnih računov ne glede na finančne okoliščine potrošnikov, kot so njihov zaposlitveni status, stopnja dohodka, pretekli krediti ali osebni stečaj.
Consumers who are legally resident in the Union and who do not hold a payment account in a certain Member State should be in a position to open and use a payment account with basic features in that Member State.
Potrošniki, ki zakonito prebivajo v Uniji in nimajo plačilnega računa v določeni državi članici, bi morali imeti možnost, da v tej državi članici odprejo in uporabljajo osnovni plačilni račun.
The concept of ‘legally resident in the Union’ should cover both Union citizens and third country nationals who already benefit from rights conferred upon them by Union acts such as Council Regulation (EEC) No 1408/71 [10], Council Directive 2003/109/EC [11], Council Regulation (EC) No 859/2003 [12] and Directive 2004/38/EC of the European Parliament and of the Council [13].
Pojem „zakonitega prebivanja v Uniji“ bi moral zajemati tako državljane Unije kot državljane tretjih držav, ki že uživajo pravice na podlagi aktov Unije, kot so Uredba Sveta (EGS) št. 1408/71 [10], Direktiva Sveta 2003/109/ES [11], Uredba Sveta (ES) št. 859/2003 [12] ter Direktiva Evropskega parlamenta in Sveta 2004/38/ES [13].
It should also include people seeking asylum under the Geneva Convention of 28 July 1951 Relating to the Status of Refugees, the Protocol thereto of 31 January 1967 and other relevant international treaties.
Zajemati bi moral tudi prosilce za azil v skladu z Ženevsko konvencijo z dne 28. julija 1951 o statusu beguncev in Protokolom h Konvenciji z dne 31. januarja 1967 ter drugimi zadevnimi mednarodnimi pogodbami.
Furthermore, Member States should be able to extend the concept of ‘legally resident in the Union’ to other third country nationals that are present on their territory.
Poleg tega bi lahko države članice pojem „zakonito prebivajočega v Uniji“ razširile na druge državljane tretjih držav, ki se nahajajo na njihovem ozemlju.
Member States should be able, in full respect of the fundamental freedoms guaranteed by the Treaties, to require consumers who wish to open a payment account with basic features in their territory to show a genuine interest in doing so.
Države članice bi morale imeti možnost, da ob doslednem spoštovanju temeljnih svoboščin, zagotovljenih s Pogodbama, od potrošnikov, ki želijo odpreti osnovni plačilni račun na njihovem ozemlju, zahtevajo, naj dokažejo, da imajo resničen interes za to.
Without prejudice to the requirements adopted in conformity with Directive 2005/60/EC to prevent money laundering, physical attendance at the premises of the credit institutions should not be required in order to show such a genuine interest.
Brez poseganja v zahteve, sprejete v skladu z Direktivo 2005/60/ES, glede preprečevanja pranja denarja, fizična navzočnost v prostorih kreditnih institucij ne bi smela biti potrebna, da se dokaže takšen resničen interes.
Member States should ensure that the number of credit institutions offering payment accounts with basic features is sufficient to ensure the reach of all consumers, to avoid any kind of discrimination against them and to prevent distortions of competition.
Države članice bi morale zagotoviti, da osnovne plačilne račune ponuja zadostno število kreditnih institucij in so v dosegu vseh potrošnikov, da se preprečita vsakršna diskriminacija potrošnikov in izkrivljanje konkurence.
When determining the sufficient number of credit institutions, the factors to be taken into account should include the coverage of the network of the credit institutions, the size of the territory of the Member State, the distribution of consumers on the territory, the market share of the credit institutions and whether payment accounts with basic features represent only a small part of the payment accounts provided by the credit institution.
Pri določanju zadostnega števila kreditnih institucij bi bilo treba med drugim upoštevati dejavnike, kot so pokritost z omrežjem kreditnih institucij, velikost ozemlja države članice, porazdelitev potrošnikov po ozemlju, tržni delež kreditnih institucij in vprašanje, ali osnovni plačilni računi predstavljajo le majhen del plačilnih računov, ki jih zagotavlja kreditna institucija.
In principle, payment accounts with basic features should be offered by as many credit institutions as possible, with a view to guaranteeing that consumers can open such accounts at premises of a credit institution that is within close reach of their place of residence and that consumers are in no way discriminated against when accessing such accounts and can use them effectively.
Osnovne plačilne račune bi moralo načeloma ponujati čim več kreditnih institucij, da se zagotovi, da lahko potrošniki takšen račun odprejo v prostorih kreditne institucije blizu njihovemu prebivališču, ter da se prepreči vsakršna diskriminacija pri dostopanju do takšnih računov in omogoči njihova učinkovita uporaba.
In particular, Member States should ensure that there is no visible discrimination illustrated by, for example, a different appearance of the card, a different account number or a different card number.
Države članice bi morale zlasti zagotoviti, da ni vidne diskriminacije na podlagi, denimo, različnega videza kartice ali drugačne številke računa ali kartice.
However, it should be possible for a Member State to envisage that payment accounts with basic features are offered by a smaller number of credit institutions, but this should be justified on the basis that, for example, those credit institutions have such a widespread presence on the territory of that Member State that they could serve all consumers without forcing them to travel too far away from their home to reach them.
Vendar bi morale države članice imeti možnost določiti, da lahko osnovne plačilne račune ponuja manjše število kreditnih institucij, kar pa bi bilo treba utemeljiti na primer s tem, da so te kreditne institucije tako razširjene na ozemlju zadevne države članice, da bi jih lahko dosegli vsi potrošniki, ne da bi jim bilo treba predaleč od doma.
Moreover, consumers accessing payment accounts with basic features should not be stigmatised in any way, and that objective can be better achieved if a larger number of credit institutions are designated.
Poleg tega se ne bi smelo kakor koli stigmatizirati potrošnikov, ki dostopajo do osnovnih plačilnih računov, to pa je laže doseči, če se določi večje število kreditnih institucij.
Member States should be able to put in place mechanisms to assist consumers with no fixed address, asylum seekers and consumers who are not granted a residence permit, but whose expulsion is impossible for legal or factual reasons, to fully benefit from this Directive.
Države članice bi lahko vzpostavile mehanizme, s katerimi potrošnikom brez stalnega naslova, prosilcem za azil in potrošnikom, ki jim dovoljenje za bivanje ni bilo odobreno, vendar njihov izgon iz pravnih ali dejanskih razlogov ni mogoč, pomagajo v celoti izkoristiti možnosti te direktivo.
When allowing credit institutions to provide, at the request of a consumer, an overdraft facility in relation to a payment account with basic features, Member States should be able to define a maximum amount and a maximum duration of any such overdraft.
Kadar države članice kreditnim institucijam dovolijo, da na zahtevo potrošnika v okviru osnovnega plačilnega računa zagotovijo možnost prekoračitve, bi države članice lahko določile najvišji znesek in najdaljše trajanje takšne prekoračitve.
Member States should also ensure that information concerning any related fees is communicated to consumers in a transparent manner.
Države članice bi morale tudi zagotoviti, da se informacije glede s tem povezanih nadomestil potrošnikom sporočijo na pregleden način.
Finally, credit institutions should comply with Directive 2008/48/EC when offering overdraft facilities in conjunction with a payment account with basic features.
Kreditne institucije, ki v okviru osnovnega plačilnega računa ponujajo možnost prekoračitve, bi morale biti usklajene z Direktivo 2008/48/ES.
In order for users of payment accounts with basic features to be served in an appropriate way, Member States should require credit institutions to ensure that relevant staff are adequately trained and that potential conflicts of interest do not affect those customers negatively.
Da bi zagotovili ustrezno obravnavo uporabnikov osnovnih plačilnih računov, bi morale države članice od kreditnih institucij zahtevati, da so zadevni uslužbenci ustrezno usposobljeni in da morebitna navzkrižja interesov teh potrošnikov ne bodo negativno prizadela.
Member States should be able to permit credit institutions to refuse the opening of a payment account with basic features for consumers who already hold an active and at least equivalent payment account in the same Member State.
Države članice bi lahko kreditnim institucijam dovolile, da zavrnejo odprtje osnovnega plačilnega računa potrošnikom, ki že imajo aktiven in vsaj enakovreden plačilni račun v isti državi članici.
In order to verify whether or not a consumer already holds a payment account, credit institutions should be able to rely on a declaration of honour provided by the consumer.
Da bi preverile, ali potrošnik že ima plačilni račun, bi moralo za kreditne institucije biti mogoče, da se zanesejo na zapriseženo izjavo potrošnika.
Member States should ensure that credit institutions process applications for a payment account with basic features within the deadlines laid down in this Directive and that, in the event of refusal of such an application, the credit institutions inform the consumer of the specific reasons for the refusal unless such disclosure would be contrary to national security, public policy or Directive 2005/60/EC.
Države članice bi morale zagotoviti, da kreditne institucije prošnje za osnovni plačilni račun obravnavajo v rokih iz te direktive in da v primeru zavrnitve takšne prošnje kreditne institucije potrošnika obvestijo o specifičnih razlogih za zavrnitev, razen če bi bilo takšno razkritje v nasprotju z nacionalno varnostjo, javnim redom ali Direktivo 2005/60/ES.
Consumers should be guaranteed access to a range of basic payment services.
Potrošnikom bi se moral zagotoviti dostop do različnih osnovnih plačilnih storitev.
Services linked to payment accounts with basic features should include the facility to place funds and withdraw cash.
Storitve, povezane z osnovnimi plačilnimi računi, bi morale vključevati možnost pologa in dviga gotovine.
Consumers should be able to undertake essential payment transactions such as receiving income or benefits, paying bills or taxes and purchasing goods and services, including via direct debit, credit transfer and the use of a payment card.
Z njimi bi lahko potrošniki opravljali osnovne plačilne transakcije, kot so prejemanje dohodka ali nadomestil, plačevanje računov ali davkov ter nakup blaga in storitev, med drugim z direktno obremenitvijo, kreditnimi plačili in uporabo plačilne kartice.
Such services should allow the purchase of goods and services online and should give consumers the opportunity to initiate payment orders via the credit institution’s online facility, where available.
Take storitve bi morale omogočati spletni nakup blaga in storitev, potrošnikom pa bi morale dajati možnost, da plačilne naloge odredijo prek spletnih storitev kreditne institucije, kadar je na voljo.
However, a payment account with basic features should not be restricted to online usage as this would create an obstacle for consumers without internet access.
Vendar osnovni plačilni račun ne bi smel biti omejen na spletno uporabo, saj bi bila to ovira za potrošnike brez internetnega dostopa.
Member States should ensure, with respect to the services related to opening, operating and closing the payment account as well as placing funds and withdrawing cash and undertaking payment transactions with payment cards, with the exclusion of credit cards, that there are no limits to the number of operations which will be available to the consumer under the specific pricing rules laid down in this Directive.
Države članice bi morale zagotoviti, da pri storitvah, povezanih z odprtjem, vodenjem in zaprtjem plačilnega računa, pologu in dvigu gotovine ter plačilnih transakcijah s plačilnimi karticami – z izjemo kreditnih kartic – ni omejitev glede števila transakcij, ki so potrošniku na voljo v skladu s specifičnimi pravili oblikovanja cen iz te direktive.
With respect to the execution of credit transfers and direct debits, as well as transactions made by means of a credit card, linked to the payment account with basic features, Member States should be able to determine a minimum number of operations, which will be available to the consumer under the specific pricing rules laid down in this Directive, provided that the services to which those operations relate are for the personal use of the consumer.
Kar zadeva izvršitev kreditnih plačil in direktnih obremenitev ter transakcij s kreditno kartico, povezanih z osnovnim plačilnim računom, bi morale države članice imeti možnost določiti minimalno število transakcij, ki bodo potrošniku na voljo v skladu s specifičnimi pravili oblikovanja cen iz te direktive, pod pogojem, da so storitve, povezane s temi transakcijami, le za potrošnikove osebne namene.
In determining what should be considered as personal use, Member States should take into account existing consumer behaviour and common commercial practice.
Pri določanju tega, kaj naj šteje za osebne namene, bi morale države članice upoštevati obstoječe vedenje potrošnikov in splošno poslovno prakso.
The fees charged for operations above the minimum number of operations should never be higher than those charged under the usual pricing policy of the credit institution.
Nadomestila za transakcije, ki presegajo najmanjše število transakcij, ne bi nikoli smele biti višje, kot se jih zaračuna pod običajno cenovno politiko kreditne institucije.
In the process of identifying the services to be offered with a payment account with basic features and the minimum number of operations to be included, national specificities should be taken into account.
Pri določanju storitev in najmanjšega števila transakcij osnovnega plačilnega računa bi bilo treba upoštevati nacionalne posebnosti.
In particular, certain services may be considered essential in guaranteeing full use of a payment account in a certain Member State, due to their widespread use at the national level.
Zlasti so lahko določene storitve zaradi njihove splošne uporabe v določeni državi članici bistveni del celovite uporabe plačilnega računa.
For example, in some Member States consumers still widely use cheques, while that means of payment is very rarely used in other Member States.
V nekaterih državah članicah potrošniki na primer še vedno pogosto uporabljajo čeke, medtem ko je to plačilno sredstvo v drugih državah članicah zelo redko.
This Directive should therefore allow Member States to identify additional services that are considered essential at national level and which should be provided with a payment account with basic features in the Member State concerned.
Zato bi morala ta direktiva državam članicam omogočiti, da določijo dodatne storitve, ki na nacionalni ravni veljajo za bistvene in ki bi morale biti del osnovnega plačilnega računa v zadevni državi članici.
Also, Member States should ensure that the fees charged by credit institutions for the offer of such additional services in relation to a payment account with basic features are reasonable.
Države članice bi morale tudi zagotoviti, da so nadomestila, ki jih kreditne institucije zaračunavajo za ponudbo takšnih dodatnih storitev, povezanih z osnovnimi plačilnimi računi, razumna.
In order to ensure that payment accounts with basic features are available to the widest possible range of consumers, they should be offered free of charge or for a reasonable fee.
Zaradi zagotovitve dostopa do osnovnih plačilnih računov čim bolj raznoliki skupini potrošnikov, bi morali biti osnovni plačilni računi ponujeni brezplačno ali z razumnim nadomestilom.
To encourage unbanked vulnerable consumers to participate in the retail banking market, Member States should be able to provide that payment accounts with basic features are to be offered to those consumers on particularly advantageous terms, such as free of charge.
Da bi spodbudile ranljive potrošnike, ki nimajo odprtega bančnega računa, k sodelovanju na trgu bančništva na drobno, bi države članice lahko določile, da se tem potrošnikom ponudijo osnovni plačilni računi po posebej ugodnih pogojih, na primer brezplačno.
Member States should be free to define the mechanism to identify those consumers that can benefit from payment accounts with basic features on more advantageous terms, provided that the mechanism ensures that vulnerable consumers can access a payment account with basic features.
Države članice bi morale imeti možnost, da same določijo mehanizem, s katerim lahko identificirajo potrošnike, ki bi jim osnovni plačilni računi po bolj ugodnih pogojih koristili, pod pogojem, da ta mehanizem ranljivim potrošnikom zagotavlja dostop do osnovnega plačilnega računa.
In any event, such an approach should be without prejudice to the right of all consumers, including non-vulnerable ones, to access payment accounts with basic features at least at a reasonable fee.
Takšen pristop v nobenem primeru ne bi smel posegati v pravico do dostopa do osnovnih plačilnih računov vsaj za razumno nadomestilo, ki jo imajo vsi potrošniki, tudi neranljivi.
Furthermore, any additional charges to the consumer for non-compliance with the terms laid down in the contract should be reasonable.
Morebitni dodatni stroški potrošnika v primeru neizpolnjevanja pogojev iz pogodbe bi morali biti prav tako razumni.
Member States should establish what constitutes a reasonable charge according to national circumstances.
Države članice bi morale na podlagi nacionalnih okoliščin določiti, kaj je razumno nadomestilo.
Credit institutions should refuse to open or should terminate a contract for a payment account with basic features only in specific circumstances, such as non-compliance with the legislation on money laundering and terrorist financing or on the prevention and investigation of crimes.
Kreditne institucije bi morale zavrniti odprtje osnovnega plačilnega računa ali prekiniti pogodbo za osnovni plačilni račun samo v posebnih okoliščinah, kot je nespoštovanje zakonodaje o pranju denarja in financiranju terorizma ali preprečevanju in preiskovanju kaznivih dejanj.
Even in those cases, a refusal can only be justified where the consumer does not comply with that legislation and not because the procedure to check compliance with the legislation is too burdensome or costly.
Tudi v teh primerih je lahko zavrnitev upravičena le, kadar potrošnik ne izpolnjuje navedene zakonodaje, ne pa zato, ker je postopek za preverjanje izpolnjevanja zakonodaje preveč obremenjujoč ali predrag.
However, there could be cases where a consumer abuses his right to open and use a payment account with basic features.
Vendar pa se lahko zgodi, da potrošnik zlorabi pravico do odprtja in uporabe osnovnega plačilnega računa.
For example, a Member State should be able to permit credit institutions to take measures against consumers who have committed a crime, such as a serious fraud against a credit institution, with a view to avoiding a recurrence of such a crime.
Država članica bi lahko na primer dovolila kreditni instituciji, da ukrepa proti potrošnikom, ki so storili kaznivo dejanje, kot je hujša oblika goljufije zoper kreditno institucijo, da bi preprečila ponovitev kaznivega dejanja.