natgillin/translations-raw huggingface dataset:
Such measures may include, for example, limiting access by that consumer to a payment account with basic features for a certain period of time.
Takšen ukrep lahko na primer zajema, da kreditna institucija takšnemu potrošniku za določen čas omeji dostop do osnovnega plačilnega računa.
Besides, there may be cases in which the previous refusal of an application for a payment account may be necessary in order to identify consumers who could benefit from a payment account on more advantageous terms.
Poleg tega lahko pride do primerov, v katerih je predhodna zavrnitev prošnje za plačilni račun morda potrebna zaradi identifikacije potrošnikov, ki bi jim plačilni računi po bolj ugodnih pogojih lahko koristili.
In such a case, the credit institution should inform the consumer that he may use a specific mechanism in the event of refusal of an application for a payment account for which a fee is charged as provided for in this Directive to obtain access to a payment account with basic features that is free of charge.
Kreditna institucija bi morala v takšnem primeru potrošnika obvestiti, da lahko v primeru zavrnitve prošnje za plačilni račun, za katerega se zaračuna nadomestilo, uporabi posebni mehanizem, kot je določen v tej direktivi, da dobi dostop do osnovnega plačilnega računa.
Both such additional cases should, however, be limited, specific and based on precisely identified provisions of national law.
Oba takšna dodatna primera pa bi morala biti omejena, specifična in podprta z natančno opredeljenimi določbami nacionalnega prava.
When identifying additional cases in which credit institutions can refuse to offer payment accounts to consumers, Member States should be able to include, inter alia, grounds of public security or public policy.
Pri določanju dodatnih primerov, v katerih lahko kreditne institucije zavrnejo odprtje plačilnega računa potrošnikom, bi države članice med drugim lahko navedle razloge javne varnosti ali javnega reda.
Clear and comprehensible information on the right to open and use a payment account with basic features should be provided by Member States and credit institutions to consumers.
Države članice in kreditne institucije bi morale potrošnikom zagotoviti jasne in razumljive informacije o pravici do odprtja in uporabe osnovnega plačilnega računa.
Member States should ensure that communication measures are well-targeted and, in particular, that they reach out to unbanked, vulnerable and mobile consumers.
Države članice bi morale zagotoviti, da so ukrepi za obveščanje ciljno usmerjeni, ter zlasti, da upoštevajo potrošnike, ki nimajo bančnih računov, ter ranljive in mobilne potrošnike.
Credit institutions should actively make available to consumers accessible information and adequate assistance about the specific features of the payment account with basic features on offer, their associated fees and their conditions of use, and also the steps consumers should take to exercise their right to open a payment account with basic features.
Kreditne institucije bi si morale dejavno prizadevati, da bi potrošnikom zagotovile dostopne informacije in ustrezno pomoč v zvezi s specifičnimi lastnostmi ponujenega osnovnega plačilnega računa, z njim povezanih nadomestil in pogojev uporabe, pa tudi v zvezi s koraki, katerim bi morali potrošniki slediti pri uveljavljanju pravice do odprtja osnovnega plačilnega računa.
In particular, consumers should be informed that the purchase of additional services is not compulsory in order to access a payment account with basic features.
Potrošniki bi morali biti obveščeni zlasti o tem, da za dostop do osnovnega plačilnega računa nakup dodatnih storitev ni obvezen.
Member States should promote measures that support the education of the most vulnerable consumers, providing them with guidance and assistance in the responsible management of their finances.
Države članice bi morale spodbujati ukrepe, na podlagi katerih bi bilo mogoče laže izobraziti najbolj ranljive potrošnike, in sicer s svetovanjem in pomočjo pri odgovornem upravljanju njihovih financ.
Information also needs to be provided regarding the guidance that consumer organisations and national authorities may provide to consumers.
Potrebne so tudi informacije o smernicah, ki jih potrošnikom lahko zagotavljajo organizacije potrošnikov in nacionalni organi.
Furthermore, Member States should encourage initiatives by credit institutions seeking to combine the provision of a payment account with basic features and independent financial education services.
Poleg tega bi morale države članice spodbujati pobude, s katerimi želijo kreditne institucije zagotavljanje osnovnega plačilnega računa dopolniti z neodvisnimi storitvami finančnega izobraževanja.
In order to facilitate the ability of payment service providers to provide their services on a cross-border basis, for the purposes of cooperation, information exchange and dispute resolution between competent authorities, the competent authorities responsible for the enforcement of this Directive should be those acting under the auspices of EBA, as set out in Regulation (EU) No 1093/2010, or other national authorities provided that they cooperate with the authorities acting under the auspices of EBA in order to carry out their duties under this Directive.
Da bi ponudniki plačilnih storitev lažje ponujali svoje storitve čezmejno, bi morali biti – za namene sodelovanja, izmenjave informacij in reševanja sporov med pristojnimi organi – za zagotavljanje izvajanja te direktive odgovorni tisti pristojni organi, ki delujejo pod okriljem EBA, kakor je določeno v Uredbi (EU) št. 1093/2010, ali drugi nacionalni organi, pod pogojem, da ti za opravljanje svojih nalog v skladu s to direktivo sodelujejo z organi, ki delujejo pod okriljem EBA.
Member States should designate competent authorities empowered to ensure enforcement of this Directive, and ensure that they are granted investigation and enforcement powers and adequate resources necessary for the performance of their duties.
Države članice bi morale imenovati pristojne organe, pooblaščene za zagotavljanje izvajanja te direktive, in zagotoviti, da se jim podelijo preiskovalna in izvršilna pooblastila ter ustrezna sredstva, potrebna za opravljanje njihovih nalog.
Competent authorities could act for certain aspects of this Directive by application to courts competent to grant a legal decision, including, where appropriate, by appeal.
Pristojni organi bi lahko v zvezi z določenimi vidiki te direktive ukrepali tako, da bi pristojno sodišče zaprosili za izdajo sodne odločbe in po potrebi vložili tudi pritožbo.
This could enable Member States, in particular where provisions of this Directive were transposed into civil law, to leave the enforcement of those provisions to the relevant bodies and to the courts.
To bi lahko državam članicam omogočilo, da izvajanje teh določb prepustijo zadevnim organom in sodiščem, zlasti kadar se določbe te direktive prenesejo v civilno pravo.
Member States should be able to designate different competent authorities in order to enforce the wide-ranging obligations laid down in this Directive.
Državam članicam bi bilo treba omogočiti, da imenujejo različne pristojne organe za zagotovitev izvajanja različnih obveznosti iz te direktive.
For instance, for some provisions, Member States could designate competent authorities responsible for the enforcement of consumer protection, while for others, they could decide to designate prudential supervisors.
Glede nekaterih določb bi lahko države članice denimo imenovale pristojne organe, odgovorne za uveljavljanje varstva potrošnikov, glede drugih pa bi se lahko odločile imenovati bonitetne nadzornike.
Consumers should have access to effective and efficient alternative dispute resolution procedures for the settlement of disputes arising out of rights and obligations established under this Directive.
Potrošniki bi morali imeti dostop do učinkovitih in uspešnih postopkov alternativnega reševanja sporov, ki izhajajo iz pravic in obveznosti, določenih v tej direktivi.
Such access is already ensured by Directive 2013/11/EU of the European Parliament and of the Council [14] in so far as relevant contractual disputes are concerned.
Takšen dostop je glede zadevnih pogodbenih sporov že zagotovljen z Direktivo 2013/11/EU Evropskega parlamenta in Sveta [14].
However, consumers should also have access to alternative dispute resolution procedures in the event of pre-contractual disputes concerning rights and obligations established by this Directive, for example when they are denied access to a payment account with basic features.
Vendar bi bilo treba potrošnikom omogočiti dostop do postopkov alternativnega reševanja sporov tudi v primeru predpogodbenih sporov v zvezi s pravicami in obveznostmi, določenimi v tej direktivi, na primer v primeru zavrnitve dostopa do osnovnega plačilnega računa.
This Directive therefore provides that consumers should have access to alternative dispute resolution procedures for the settlement of disputes concerning rights and obligations established by this Directive, without distinguishing between contractual and pre-contractual disputes.
Ta direktiva zato določa, da bi morali potrošniki imeti dostop do postopkov alternativnega reševanja sporov v zvezi s pravicami in obveznostmi, določenimi v tej direktivi, brez razlikovanja med pogodbenimi in predpogodbenimi spori.
Such alternative dispute resolution procedures and the entities offering them should comply with the quality requirements established by Directive 2013/11/EU.
Takšni postopki alternativnega reševanja sporov in subjekti, ki jih ponujajo, bi morali izpolnjevati zahteve glede kakovosti iz Direktive 2013/11/EU.
Compliance with this Directive requires the processing of consumers’ personal data.
Za izpolnjevanje te direktive je potrebna obdelava osebnih podatkov potrošnikov.
Such processing is subject to Directive 95/46/EC of the European Parliament and of the Council [15].
Takšno obdelavo ureja Direktiva Evropskega parlamenta in Sveta 95/46/ES [15].
This Directive should therefore comply with the rules laid down in Directive 95/46/EC.
Zato bi morala biti ta direktiva skladna s pravili iz Direktive 95/46/ES.
On a biennial basis, and for the first time within four years from the entry into force of this Directive, Member States should obtain reliable annual statistics on the functioning of the measures introduced by this Directive.
Države članice bi morale vsaki dve leti in prvič v štirih letih od začetka veljavnosti te direktive pridobiti zanesljive letne statistične podatke o delovanju ukrepov, sprejetih s to direktivo.
They should use any relevant sources of information and communicate that information to the Commission.
Uporabiti bi morale vse ustrezne vire informacij in te informacije sporočiti Komisiji.
The Commission should provide a report on the basis of the information received from the Member States for the first time after four years from the entry into force of this Directive and thereafter biennially.
Komisija bi morala pripraviti poročilo na podlagi informacij, ki jih prejme od držav članic prvič po štirih letih, nato pa vsako drugo leto.
A review of this Directive should be carried out five years after its entry into force in order to take account of market developments, such as the emergence of new types of payment accounts and payment services, as well as developments in other areas of Union law and the experiences of Member States.
Pregled te direktive bi bilo treba opraviti pet let po začetku njene veljavnosti, da se upoštevajo razvoj trga, kot je pojav novih oblik plačilnih računov in plačilnih storitev, razvoj na drugih področjih prava Unije ter izkušnje držav članic.
The report based on the review should include a list of infringement proceedings initiated by the Commission in relation to this Directive.
Poročilo na podlagi pregleda bi moralo vključevati seznam postopkov za ugotavljanje kršitev, ki jih je začela Komisija v zvezi s to direktivo.
It should also include an assessment of the average fee levels in Member States for payment accounts falling within the scope of this Directive, of the question whether the measures introduced have improved consumer understanding of payment account fees, the comparability of payment accounts and the ease of switching payment accounts and of the number of account holders who have switched payment accounts since the transposition of this Directive.
Vključevati bi moralo tudi oceno povprečne višine nadomestil v državah članicah za plačilne račune, ki spadajo na področje uporabe te direktive, vprašanja ali sta se s sprejetimi ukrepi izboljšala potrošnikovo razumevanje nadomestil za plačilne račune in primerljivosti plačilnih računov ter poenostavitve zamenjave plačilnih računov, in števila imetnikov računov, ki so zamenjali plačilne račune po prenosu te direktive v nacionalno pravo.
It should also analyse the number of providers offering payment accounts with basic features and the number of such accounts that have been opened, including by previously unbanked consumers, examples of best practices among Member States for reducing consumer exclusion from access to payment services, and the average annual fees levied for payment accounts with basic features.
Vsebovati bi moral tudi analizo števila ponudnikov osnovnih plačilnih računov in števila takšnih odprtih računov, vključno z računi potrošnikov, ki pred tem niso imeli bančnega računa, primere najboljših praks v državah članicah, namenjenih manjši izključenosti potrošnikov pri dostopu do plačilnih storitev in povprečna letna nadomestila za osnovne plačilne račune.
It should also assess the costs and benefits of implementing Union-wide portability of payment accounts, the feasibility of a framework for ensuring automated redirection of payments from one payment account to another within the same Member State combined with automated notifications to payees or payers when their transfers are redirected, and of extending the switching services to cases where the receiving and transferring payment service provider are located in different Member States.
Ravno tako bi morali biti ocenjeni stroški in koristi uvedbe prenosljivosti številk plačilnih računov po vsej Uniji ter izvedljivost okvira za zagotavljanje samodejne preusmeritve plačil z enega plačilnega računa na drugega v isti državi članici, skupaj s samodejnim obveščanjem prejemnikov plačil in plačnikov, ko so njihovi prenosi preusmerjeni, in razširitve obsega storitev zamenjave, kadar sta prejemni in prenosni ponudnik plačilnih storitev v različnih državah članicah.
It should also include an assessment of the effectiveness of existing measures and the need for additional measures to increase financial inclusion and to assist vulnerable members of society in relation to over-indebtedness.
Vključena bi morala biti tudi ocena učinkovitosti obstoječih ukrepov in potreba po dodatnih ukrepih zaradi povečanja finančne vključenosti in pomoči ranljivim članom družbe v zvezi s prezadolženostjo.
Also, it should assess whether the provisions on the information to be provided by payment service providers when offering packaged products are sufficient or whether additional measures are needed.
Poleg tega bi bilo treba oceniti, ali zadoščajo določbe o informacijah, ki jih zagotovijo ponudniki plačilnih storitev v zvezi s ponudbo produktov v paketu, in ali so potrebni dodatni ukrepi.
It should also assess the need for additional measures with regard to comparison websites and the need for an accreditation of comparison websites.
Oceniti bi bilo treba tudi potrebo po dodatnih ukrepih v zvezi s primerjalnimi spletnimi stranmi in potrebo po njihovem akreditiranju.
The Commission should submit that report to the European Parliament and to the Council accompanied, if appropriate, by legislative proposals.
Komisija bi morala to poročilo predložiti Evropskemu parlamentu in Svetu, skupaj z zakonodajnimi predlogi, če je ustrezno.
This Directive respects fundamental rights and observes the principles recognised by the Charter in accordance with Article 6(1) of the Treaty on European Union (TEU).
Ta direktiva spoštuje temeljne pravice in upošteva načela, priznana v Listini v skladu s členom 6(1) Pogodbe o Evropski uniji (PEU).
Since the objectives of this Directive, namely to facilitate the transparency and comparability of fees related to payment accounts, payment account switching and access to payment accounts with basic features, cannot be sufficiently achieved by the Member States but can rather, due to the need to overcome market fragmentation and ensure a level-playing field in the Union, be better achieved at Union level, the Union may adopt measures, in accordance with the principle of subsidiarity as set out in Article 5 of the TEU.
Ker ciljev te direktive, in sicer preglednosti in primerljivosti nadomestil za plačilne račune, zamenjavo plačilnih računov in dostopa do osnovnih plačilnih računov, države članice ne morejo zadovoljivo doseči, temveč se zaradi potrebe po zmanjšanju razdrobljenosti trga in zagotovitvi enakih konkurenčnih pogojev v Uniji, lažje dosežejo na ravni Unije, lahko Unija sprejme ukrepe v skladu z načelom subsidiarnosti iz člena 5 PEU.
In accordance with the principle of proportionality, as set out in that Article, this Directive does not go beyond what is necessary in order to achieve those objectives.
V skladu z načelom sorazmernosti iz navedenega člena ta direktiva ne presega tistega, kar je potrebno za doseganje navedenih ciljev
In accordance with the Joint Political Declaration of 28 September 2011 of Member States and the Commission on explanatory documents [16], Member States have undertaken to accompany, in justified cases, the notification of their transposition measures with one or more documents explaining the relationship between the components of a directive and the corresponding parts of national transposition instruments.
V skladu s Skupno politično izjavo z dne 28. septembra 2011 držav članic in Komisije o obrazložitvenih dokumentih [16] se države članice zavezujejo, da bodo v upravičenih primerih obvestilu o ukrepih za prenos priložile en ali več dokumentov, v katerih se pojasni razmerje med sestavnimi elementi direktive in ustrezajočimi deli nacionalnih instrumentov za prenos.
The European Data Protection Supervisor has been consulted,
Opravljeno je bilo posvetovanje z evropskim nadzornikom za varstvo podatkov –
This Directive lays down rules concerning the transparency and comparability of fees charged to consumers on their payment accounts held within the Union, rules concerning the switching of payment accounts within a Member State and rules to facilitate cross-border payment account-opening for consumers.
Ta direktiva določa pravila o preglednosti in primerljivosti nadomestil, zaračunanih potrošnikom na njihovih plačilnih računih v Uniji, pravila o zamenjavi plačilnih računov znotraj države članice in pravila o lažjem odpiranju čezmejnih plačilnih računov za potrošnike.
This Directive also defines a framework for the rules and conditions according to which Member States are required to guarantee a right for consumers to open and use payment accounts with basic features in the Union.
Ta direktiva določa tudi okvir za pravila in pogoje, v skladu s katerimi morajo države članice zagotoviti pravico potrošnikov do odprtja in uporabe osnovnih plačilnih računov v Uniji.
Chapters II and III apply to payment service providers.
Poglavji II in III se uporabljata za ponudnike plačilnih storitev.
Chapter IV applies to credit institutions.
Poglavje IV se uporablja za kreditne institucije.
Member States may decide to apply Chapter IV to payment service providers other than credit institutions.
Države članice se lahko odločijo, da Poglavje IV uporabljajo za ponudnike plačilnih storitev, ki niso kreditne institucije.
Member States may decide not to apply all or part of this Directive to the entities referred to in Article 2(5) of Directive 2013/36/EU of the European Parliament and of the Council [17].
Države članice se lahko odločijo, da to direktivo ali njen del ne uporabljajo za subjekte iz člena 2(5) Direktive 2013/36/EU Evropskega parlamenta in Sveta [17].
This Directive applies to payment accounts through which consumers are able at least to:
Ta direktiva se uporablja za plačilne račune, prek katerih lahko potrošniki vsaj:
place funds in a payment account;
položijo sredstva na plačilni račun;
withdraw cash from a payment account;
dvignejo gotovino s plačilnega računa;
execute and receive payment transactions, including credit transfers, to and from a third party.
izvršijo plačilne transakcije tretjim osebam in prejmejo takšne transakcije od tretjih oseb, vključno s kreditnimi plačili.
Member States may decide to apply all or part of this Directive to payment accounts other than those referred to in the first subparagraph.
Države članice se lahko odločijo, da to direktivo ali njen del uporabljajo za plačilne račune, ki niso plačilni računi iz prvega pododstavka.
The opening and use of a payment account with basic features pursuant to this Directive shall be in conformity with Directive 2005/60/EC.
Odprtje in uporaba osnovnega plačilnega računa iz te direktive sta skladna z Direktivo 2005/60/ES.
‘consumer’ means any natural person who is acting for purposes which are outside his trade, business, craft or profession;
„potrošnik“ pomeni vsako fizično osebo, ki deluje zunaj okvira svoje trgovske, poslovne, obrtne ali poklicne dejavnosti;
‘legally resident in the Union’ means where a natural person has the right to reside in a Member State by virtue of Union or national law, including consumers with no fixed address and persons 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;
„zakonito prebivanje v Uniji“ pomeni, da ima fizična oseba pravico prebivati v državi članici na podlagi prava Unije ali nacionalnega prava, vključno s potrošniki brez stalnega naslova in osebami, ki prosijo za azil na podlagi Ženevske konvencije z dne 28. julija 1951 o statusu beguncev, Protokola z dne 31. januarja 1967 h Konvenciji in drugih ustreznih mednarodnih pogodb;
‘payment account’ means an account held in the name of one or more consumers which is used for the execution of payment transactions;
„plačilni račun“ pomeni račun, voden v imenu enega ali več potrošnikov, ki se uporablja za izvrševanje plačilnih transakcij;
‘payment service’ means a payment service as defined in point (3) of Article 4 of Directive 2007/64/EC;
„plačilna storitev“ pomeni plačilno storitev, kot je opredeljena v točki 3 člena 4 Direktive 2007/64/ES;
‘payment transaction’ means an act, initiated by the payer or by the payee, of placing, transferring or withdrawing funds, irrespective of any underlying obligations between the payer and the payee;
„plačilna transakcija“ pomeni dejanje pologa, prenosa ali dviga sredstev, ki ga odredi plačnik ali prejemnik plačila, neodvisno od osnovnih obveznosti med plačnikom in prejemnikom plačila;
‘services linked to the payment account’ means all services related to the opening, operating and closing of a payment account, including payment services and payment transactions falling within the scope of point (g) of Article 3 of Directive 2007/64/EC and overdraft facilities and overrunning;
„storitve, povezane s plačilnim računom“ pomeni vse storitve, povezane z odprtjem, vodenjem in zaprtjem plačilnega računa, vključno s plačilnimi storitvami in plačilnimi transakcijami, ki spadajo na področje uporabe točke (g) člena 3 Direktive 2007/64/ES, ter možnostjo prekoračitve in tiho dovoljeno prekoračitvijo;
‘payment service provider’ means a payment service provider as defined in point (9) of Article 4 of Directive 2007/64/EC;
„ponudnik plačilnih storitev“ pomeni ponudnika plačilnih storitev, kot je opredeljen v točki 9 člena 4 Direktive 2007/64/ES;
‘credit institution’ means a credit institution as defined in point (1) of Article 4(1) of Regulation (EU) No 575/2013 of the European Parliament and of the Council [18];
„kreditna institucija“ pomeni kreditno institucijo, kot je opredeljena v točki 1 člena 4(1) Uredbe (EU) št. 575/2013 Evropskega parlamenta in Sveta [18];