natgillin/translations-raw huggingface dataset:
transfer any positive balance remaining on the payment account held by the consumer to the payment account opened or held by the consumer with the new payment service provider, provided that the request includes full details allowing the new payment service provider and the consumer’s payment account to be identified;
Države članice zagotovijo, da so morebitna nadomestila, ki jih prenosni ali prejemni ponudnik plačilnih storitev zaračuna potrošniku za katero koli storitev iz člena 10, razen storitev iz odstavkov 1, 2 in 3 tega člena, razumne in v skladu z dejanskimi stroški zadevnega ponudnika plačilnih storitev.
close the payment account held by the consumer.
Člen 13
Without prejudice to Articles 45(1) and 45(6) of Directive 2007/64/EC and if the consumer has no outstanding obligations on a payment account, the payment service provider with which the consumer holds that payment account shall conclude the steps set out in points (a), (b) and (c) of paragraph 1 of this Article on the date specified by the consumer, which shall be at least six business days after that payment service provider receives the consumer’s request unless otherwise agreed between the parties.
Finančne izgube potrošnikov
The payment service provider shall immediately inform the consumer where outstanding obligations prevent his payment account from being closed.
Države članice zagotovijo, da ponudnik plačilnih storitev, ki sodeluje pri postopku zamenjave, nemudoma povrne vse finančne izgube, vključno s stroški in obrestmi, ki jih potrošnik neposredno utrpi, ker navedeni ponudnik plačilnih storitev ne upošteva obveznosti iz člena 10.
Article 12
Odgovornost na podlagi odstavka 1 ne velja v primerih izjemnih in nepredvidljivih okoliščin, na katere ponudnik plačilnih storitev, ki skuša uveljavljati te okoliščine, ne more vplivati, posledice pa bi bile kljub vsem nasprotnim prizadevanjem neizogibne, ali v primerih, ko ponudnika plačilnih storitev zavezujejo druge pravne obveznosti iz zakonodajnih aktov Unije ali nacionalnih zakonodajnih aktov.
Fees connected with the switching service
Države članice zagotovijo, da se odgovornost iz odstavkov 1 in 2 določi v skladu s pravnimi zahtevami, ki veljajo na nacionalni ravni.
Member States shall ensure that consumers are able to access free of charge their personal information regarding existing standing orders and direct debits held by either the transferring or the receiving payment service provider.
Člen 14
Member States shall ensure that the transferring payment service provider provides the information requested by the receiving payment service provider pursuant to point (a) of Article 10(4) without charging the consumer or the receiving payment service provider.
Informacije o storitvi zamenjave
Member States shall ensure that fees, if any, applied by the transferring payment service provider to the consumer for the termination of the payment account held with it are determined in accordance with Article 45(2), (4) and (6) of Directive 2007/64/EC.
Države članice zagotovijo, da ponudniki plačilnih storitev dajo potrošnikom na voljo naslednje informacije o storitvi zamenjave:
Member States shall ensure that fees, if any, applied by the transferring or the receiving payment service provider to the consumer for any service provided under Article 10, other than those referred to in paragraphs 1, 2 and 3 of this Article, are reasonable and in line with the actual costs of that payment service provider.
o vlogah prenosnega in prejemnega ponudnika plačilnih storitev pri vsakem koraku postopka zamenjave iz člena 10;
Article 13
o časovnem okviru za dokončanje posameznih korakov;
Financial loss for consumers
o morebitnih nadomestilih, zaračunanih za postopek zamenjave;
Member States shall ensure that any financial loss, including charges and interest, incurred by the consumer and resulting directly from the non-compliance of a payment service provider involved in the switching process with its obligations under Article 10 is refunded by that payment service provider without delay.
o postopkih alternativnega reševanja sporov iz člena 24.
Liability under paragraph 1 shall not apply in cases of abnormal and unforeseeable circumstances beyond the control of the payment service provider pleading for the application of those circumstances, the consequences of which would have been unavoidable despite all efforts to the contrary, or where a payment service provider is bound by other legal obligations covered by Union or national legislative acts.
Države članice lahko zahtevajo, da ponudniki plačilnih storitev dajo na voljo tudi druge informacije, po potrebi vključno z informacijami, potrebnimi za določitev sistema jamstva za vloge v Uniji, katerega član je ponudnik plačilnih storitev.
Member States shall ensure that liability under paragraphs 1 and 2 is established in accordance with the legal requirements applicable at national level.
Informacije iz odstavka 1 so brezplačno na voljo v papirni obliki ali na drugem trajnem nosilcu podatkov v vseh prostorih ponudnika plačilnih storitev, ki so dostopni potrošnikom, in so v elektronski obliki vedno na voljo na njegovem spletnem mestu ter se na zahtevo zagotovijo potrošnikom.
Article 14
POGLAVJE IV
Information about the switching service
DOSTOP DO PLAČILNIH RAČUNOV
Member States shall ensure that payment service providers make available to consumers the following information about the switching service:
Člen 15
the roles of the transferring and receiving payment service provider for each step of the switching process, as indicated in Article 10;
Nediskriminacija
the fees, if any, charged for the switching process;
Pogoji, ki veljajo za posedovanje osnovnega plačilnega računa, na noben način niso diskriminatorni.
any information that the consumer will be asked to provide;
Člen 16
the alternative dispute resolution procedures referred to in Article 24.
Pravica dostopa do osnovnega plačilnega računa
Member States may require that payment service providers also make available other information, including, where applicable, the information necessary for the identification of the deposit guarantee scheme within the Union of which the payment service provider is a member.
Države članice zagotovijo, da potrošnikom osnovne plačilne račune ponujajo vse kreditne institucije ali dovolj veliko število kreditnih institucij, da se vsem potrošnikom na njihovem ozemlju zagotovi dostop do njih in da se prepreči izkrivljanje konkurence.
The information referred to in paragraph 1 shall be made available free of charge on paper or another durable medium at all premises of the payment service provider accessible to consumers, shall be available in electronic form on its website at all times, and shall be provided to consumers on request.
Države članice zagotovijo, da osnovnih plačilnih računov ne ponujajo le kreditne institucije, ki plačilne račune zagotavljajo izključno v obliki spletnih storitev.
CHAPTER IV
Države članice zagotovijo, da imajo potrošniki, ki zakonito prebivajo v Uniji, vključno s potrošniki brez stalnega naslova in prosilci za azil ter potrošniki, ki jim dovoljenje za bivanje ni bilo odobreno, vendar njihov izgon iz pravnih ali dejanskih razlogov ni mogoč, pravico do odprtja in uporabe osnovnega plačilnega računa pri kreditnih institucijah na njihovem ozemlju.
ACCESS TO PAYMENT ACCOUNTS
Ta pravica velja ne glede na potrošnikovo prebivališče.
Article 15
Države članice lahko 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.
Non-discrimination
Države članice zagotovijo, da uveljavljanje te pravice ni preveč težavno ali obremenjujoče za potrošnika.
Member States shall ensure that credit institutions do not discriminate against consumers legally resident in the Union by reason of their nationality or place of residence or by reason of any other ground as referred to in Article 21 of the Charter, when those consumers apply for or access a payment account within the Union.
Države članice zagotovijo, da kreditne institucije, ki ponujajo osnovne plačilne račune, osnovni plačilni račun odprejo ali prošnjo potrošnika za osnovni plačilni račun zavrnejo brez nepotrebnega odlašanja in najpozneje v desetih delovnih dneh od prejema popolne prošnje.
The conditions applicable to holding a payment account with basic features shall be in no way discriminatory.
Države članice zagotovijo, da kreditne institucije zavrnejo prošnjo za osnovni plačilni račun, kadar bi odprtje takšnega računa povzročilo kršitev določbe o preprečevanju pranja denarja in financiranja terorizma iz Direktive 2005/60/ES.
Article 16
Države članice lahko kreditnim institucijam, ki ponujajo osnovne plačilne račune, dovolijo, da zavrnejo prošnjo za takšen račun, kadar potrošnik že ima plačilni račun pri kreditni instituciji na njihovem ozemlju, ki mu omogoča uporabo plačilnih storitev iz člena 17(1), razen kadar potrošnik navede, da je bil obveščen, da bo plačilni račun zaprt.
Right of access to a payment account with basic features
V takšnih primerih lahko kreditna institucija pred odprtjem osnovnega plačilnega računa preveri, ali potrošnik že ima plačilni račun pri kreditni instituciji v isti državi članici, ki mu omogoča uporabo storitev iz člena 17(1).
Member States shall ensure that payment accounts with basic features are offered to consumers by all credit institutions or a sufficient number of credit institutions to guarantee access thereto for all consumers in their territory, and to prevent distortions of competition.
Kreditne institucije se lahko pri tem zanesejo na zapriseženo izjavo, ki jo v ta namen podpišejo potrošniki.
Member States shall ensure that payment accounts with basic features are not only offered by credit institutions that provide payment accounts with solely online facilities.
Države članice lahko opredelijo omejene in posebne dodatne primere, v katerih bi kreditne institucije morale zavrniti prošnjo za osnovni plačilni račun ali pa bi lahko same sklenile, da ga zavrnejo.
Member States shall ensure that consumers legally resident in the Union, including consumers with no fixed address and asylum seekers, and consumers who are not granted a residence permit but whose expulsion is impossible for legal or factual reasons, have the right to open and use a payment account with basic features with credit institutions located in their territory.
Takšni primeri temeljijo na določbah nacionalnega prava, ki se uporablja na njihovem ozemlju, njihov namen pa je potrošnikom zagotoviti lažji dostop do brezplačnega osnovnega računa v okviru mehanizma iz člena 25 ali preprečiti, da bi potrošniki zlorabljali pravico do dostopa do osnovnega plačilnega računa.
Such a right shall apply irrespective of the consumer’s place of residence.
Države članice zagotovijo, da v primerih iz odstavkov 4, 5 in 6 kreditna institucija po sprejetju odločitve potrošnika nemudoma pisno in brezplačno obvesti o zavrnitvi in konkretnem razlogu za zavrnitev, razen če bi bilo takšno razkritje v nasprotju s cilji nacionalne varnosti, javnim redom ali Direktivo 2005/60/ES.
Member States may, in full respect of the fundamental freedoms guaranteed by the Treaties, require consumers who wish to open a payment account with basic features in their territory to show a genuine interest in doing so.
Kreditna institucija v primeru zavrnitve potrošnika seznani s postopkom pritožbe zoper zavrnitev in o pravici potrošnika, da naveže stik z zadevnim pristojnim organom in organom, imenovanim za alternativno reševanje sporov, ter navede ustrezne kontaktne podatke.
Member States shall ensure that the exercise of the right is not made too difficult or burdensome for the consumer.
Države članice v primerih iz odstavka 4 zagotovijo, da kreditna institucija sprejme ustrezne ukrepe v skladu s poglavjem III Direktive 2005/60/ES.
Member States shall ensure that credit institutions offering payment accounts with basic features open the payment account with basic features or refuse a consumer’s application for a payment account with basic features, in each case without undue delay and at the latest 10 business days after receiving a complete application.
Države članice zagotovijo, da dostop do osnovnega plačilnega računa ni pogojen z nakupom dodatnih storitev ali delnic kreditne institucije, razen če je slednje pogoj za vse stranke kreditne institucije.
Member States shall ensure that credit institutions refuse an application for a payment account with basic features where opening such an account would result in an infringement of the provisions on the prevention of money laundering and the countering of terrorist financing laid down in Directive 2005/60/EC.
Šteje se, da države članice upoštevajo obveznosti iz poglavja IV, kadar veljavni zavezujoč okvir zagotavlja njegovo dosledno uporabo na dovolj jasen in natančen način, da so lahko zadevne osebe v celoti seznanjene s svojimi pravicami in se lahko na nacionalnih sodiščih sklicujejo nanje.
Member States may permit credit institutions that offer payment accounts with basic features to refuse an application for such an account where a consumer already holds a payment account with a credit institution located in their territory which allows him to make use of the services listed in Article 17(1), save where a consumer declares that he has received notice that a payment account will be closed.
Člen 17
In such cases, before opening a payment account with basic features, the credit institution may verify whether the consumer holds or does not hold a payment account with a credit institution located in the same Member State which enables consumers to make use of the services listed in Article 17(1).
Značilnosti osnovnega plačilnega računa
Credit institutions may rely on a declaration of honour signed by consumers for that purpose.
Države članice zagotovijo, da osnovni plačilni račun vključuje naslednje storitve:
Member States may identify limited and specific additional cases where credit institutions may be required or may choose to refuse an application for a payment account with basic features.
storitve za vse postopke, potrebne za odprtje, vodenje in zaprtje plačilnega računa;
Such cases shall be based on provisions of national law applicable in their territory and shall be aimed either at facilitating access by the consumer to a payment account with basic features free of charge under the mechanism of Article 25 or at avoiding abuses by consumers of their right to access a payment account with basic features.
storitve, ki omogočajo polog sredstev na plačilni račun;
Member States shall ensure that, in the cases referred to in paragraphs 4, 5 and 6, after taking its decision, the credit institution immediately informs the consumer of the refusal and of the specific reason for that refusal, in writing and free of charge, unless such disclosure would be contrary to objectives of national security, public policy or Directive 2005/60/EC.
storitve, ki omogočajo dvige gotovine s plačilnega računa v Uniji na okencu ali na bankomatih med obratovalnim časom kreditne institucije ali zunaj njega;
In the event of refusal, the credit institution shall advise the consumer of the procedure to submit a complaint against the refusal, and of the consumer’s right to contact the relevant competent authority and designated alternative dispute resolution body and provide the relevant contact details.
izvrševanje naslednjih plačilnih transakcij znotraj Unije:
Member States shall ensure that, in the cases referred to in paragraph 4, the credit institution adopts appropriate measures pursuant to Chapter III of Directive 2005/60/EC.
direktnih obremenitev;
Member States shall ensure that access to a payment account with basic features is not made conditional on the purchase of additional services or of shares in the credit institution, unless the latter is conditional for all customers of the credit institution.
plačilnih transakcij s plačilno kartico, vključno s spletnimi plačili;
Member States shall be deemed to comply with the obligations laid down in Chapter IV where an existing binding framework ensures its full application in a sufficiently clear and precise manner so that the persons concerned can ascertain the full extent of their rights and rely on them before the national courts.
kreditnih plačil, vključno s trajnimi nalogi, na, kadar so na voljo, terminalih in okencih ter prek spletnih storitev kreditne institucije.
Article 17
Kreditne institucije ponujajo storitve iz točk (a) do (d) prvega pododstavka v obsegu, v katerem jih že ponujajo potrošnikom s plačilnimi računi, ki niso osnovni plačilni računi.
Characteristics of a payment account with basic features
Države članice lahko določijo obveznost za kreditne institucije s sedežem na njihovem ozemlju, da pri osnovnem plačilnem računu zagotavljajo dodatne storitve, ki na podlagi splošne prakse na nacionalni ravni veljajo za bistvene za potrošnike.
Member States shall ensure that a payment account with basic features includes the following services:
Države članice zagotovijo, da kreditne institucije s sedežem na njihovem ozemlju ponujajo osnovne plačilne račune vsaj v nacionalni valuti zadevne države članice.
services enabling all the operations required for the opening, operating and closing of a payment account;
Države članice zagotovijo, da lahko potrošniki z osnovnim plačilnim računom opravljajo neomejeno število transakcij v zvezi s storitvami iz odstavka 1.
services enabling funds to be placed in a payment account;
V zvezi s storitvami iz točk (a), (b), (c) in (d)(ii) odstavka 1 tega člena, razen plačilnih transakcij s kreditno kartico, države članice zagotovijo, da kreditne institucije zaračunajo le morebitna razumna nadomestila, iz člena 18, ne glede na število transakcij, izvršenih na plačilnem računu.
services enabling cash withdrawals within the Union from a payment account at the counter or at automated teller machines during or outside the credit institution’s opening hours;
V zvezi s storitvami iz točke (d)(i) odstavka 1 tega člena, točke (d)(ii) odstavka 1 tega člena – vendar le za plačilne transakcije s kreditno kartico – in točke (d)(iii) odstavka 1 tega člena lahko države članice določijo najmanjše število transakcij, za katere lahko kreditne institucije zaračunajo le morebitna razumna nadomestila iz člena 18.
execution of the following payment transactions within the Union:
Države članice zagotovijo, da najmanjše število transakcij zadostuje za kritje plačil za potrošnikove osebne namene, pri čemer upoštevajo obstoječe vedenje potrošnikov in splošno poslovno prakso.
direct debits;
Nadomestila za transakcije, ki presegajo najmanjše število transakcij, niso nikoli višja, kot to določa običajna cenovna politika kreditne institucije.
payment transactions through a payment card, including online payments;
Države članice zagotovijo, da lahko potrošnik upravlja in odredi plačilne transakcije s svojega osnovnega plačilnega računa v prostorih kreditne institucije in/ali prek spletnih storitev, kadar so na voljo.
credit transfers, including standing orders, at, where available, terminals and counters and via the online facilities of the credit institution.
Brez poseganja v zahteve iz Direktive 2008/48/ES lahko države članice kreditnim institucijam dovolijo, da pri osnovnem plačilnem računu na zahtevo potrošnika zagotovijo možnost prekoračitve.
The services listed in points (a) to (d) of the first subparagraph shall be offered by credit institutions to the extent that they already offer them to consumers holding payment accounts other than a payment account with basic features.
Države članice lahko določijo najvišji znesek in najdaljše trajanje takšne prekoračitve.
Member States may establish an obligation requiring credit institutions established in their territory to provide additional services, which are considered essential for consumers based on common practice at national level, with a payment account with basic features.
Dostop do osnovnega plačilnega računa ali njegova uporaba ni omejen ali pogojen z nakupom takšnih kreditnih storitev.
Member States shall ensure that payment accounts with basic features are offered by credit institutions established in their territory at least in the national currency of the Member State concerned.
Člen 18
Member States shall ensure that a payment account with basic features allows consumers to execute an unlimited number of operations in relation to the services referred to in paragraph 1.
Povezana nadomestila
With respect to the services referred to in points (a), (b), (c) and (d)(ii) of paragraph 1 of this Article excluding payment transactions through a credit card, Member States shall ensure that credit institutions do not charge any fees beyond the reasonable fees, if any, referred to in Article 18, irrespective of the number of operations executed on the payment account.
Države članice zagotovijo, da kreditne institucije storitve iz člena 17 ponujajo brezplačno ali za razumno nadomestilo.
With respect to the services referred to in point (d)(i) of paragraph 1 of this Article, point d(ii) of paragraph 1 of this Article only as regards payment transactions through a credit card and point (d)(iii) of paragraph 1 of this Article, Member States may determine a minimum number of operations for which credit institutions can only charge the reasonable fees, if any, referred to in Article 18.
Države članice zagotovijo, da so nadomestila, ki se potrošniku zaračunajo zaradi neizpolnjevanja obveznosti iz okvirne pogodbe, razumna.
Member States shall ensure that the minimum number of operations is sufficient to cover the personal use by the consumer, taking into account existing consumer behaviour and common commercial practices.
Države članice zagotovijo, da se določijo razumna nadomestila iz odstavkov 1 in 2 ob upoštevanju vsaj naslednjih meril:
The fees charged for operations above the minimum number of operations shall never be higher than those charged under the usual pricing policy of the credit institution.
nacionalnih ravni prihodkov;
Member States shall ensure that the consumer is able to manage and initiate payment transactions from the consumer’s payment account with basic features in the credit institution’s premises and/or via online facilities, where available.
povprečnih nadomestil, ki jih kreditne institucije v zadevni državi članici zaračunavajo za storitve na plačilnih računih.
Without prejudice to the requirements laid down in Directive 2008/48/EC, Member States may allow credit institutions to provide, upon the consumer’s request, an overdraft facility in relation to a payment account with basic features.
Brez poseganja v pravico iz člena 16(2) in obveznost iz odstavka 1 tega člena lahko države članice zahtevajo, da kreditne institucije uporabljajo različne cenike glede na raven bančne vključenosti potrošnika, kar zlasti ranljivim potrošnikom brez bančnih računov zagotavlja ugodnejše pogoje.
Member States may define a maximum amount and a maximum duration of any such overdraft.
Države članice v takšnih primerih zagotovijo, da potrošniki prejmejo navodila in ustrezne informacije o možnostih, ki so jim na voljo.
Access to, or use of, the payment account with basic features shall not be restricted by, or made conditional on, the purchase of such credit services.
Člen 19
Article 18
Okvirne pogodbe in prekinitev
Associated fees
Za okvirne pogodbe, ki zagotavljajo dostop do osnovnega plačilnega računa, velja Direktiva 2007/64/ES, razen če je v odstavkih 2 in 4 tega člena določeno drugače.
Member States shall ensure that the services referred to in Article 17 are offered by credit institutions free of charge or for a reasonable fee.
Kreditna institucija lahko enostransko prekine okvirno pogodbo le, kadar je izpolnjen vsaj eden od naslednjih pogojev:
Member States shall ensure that the fees charged to the consumer for non-compliance with the consumer’s commitments laid down in the framework contract are reasonable.
potrošnik je plačilni račun namerno uporabljal za nezakonite namene;
Member States shall ensure that the reasonable fees referred to in paragraphs 1 and 2 are established taking into account at least the following criteria:
na plačilnem računu več kot 24 zaporednih mesecev ni bilo nobene transakcije;