C

Please indicate a list of at least 10 and no more than 20 of the most representative services linked to a payment account. The template is split into different types of services according to the nature of the services.

Please add rows to the tables for each of the services included in your list of at least 10 and no more than 20 of the most representative services linked to a payment account.

Please highlight specifically any word or terminology that is standardised in your Member State. Please give the terminology in an English translation and in the official language of your Member State.

Some examples of services that would fall under each of the types are presented in a table below the response tables. If the service you are mentioning corresponds to one or more of the examples please indicate the example’s ID code(s) in the column ‘ID Code’. If the service does not correspond to any of the examples, please leave the corresponding ID column empty.

Please note that this list of codes is not exhaustive – it is intended purely to facilitate the comparison of Member States’ responses.

One example of a service is pre-filled in for information purposes only. If this service is not relevant for your response, please delete it.

Please indicate the relevant channels of delivery for the service in question. Please note that there is a column to indicate if services have different prices depending on the channel. For example: the fee charged by a payment service provider (PSP) for making a credit transfer might vary depending on whether the customer initiates the payment online or in branch, or depending on whether the transfer is executed between accounts held with different PSPs or between accounts within one PSP.

Please note that you are asked to indicate the most common market practices for each service, and are not requested to indicate the amounts of fees.

Explanations for column headers used in the template

Payment account services (English ) – Please provide the name of the service in English.

Name of services in the official language(s) of the Member State – Should there be more than one name, please indicate the name most commonly used in your national jurisdiction. This should include any relevant terms, pursuant to Article 3(1) of the Directive.

Description of the service in the official language(s) of the Member State – Please provide a description of the service. This should include any formal definitions that exist, pursuant to Article 3(1) of the Directive.

Description of the service (English ) – Please provide a description of the service in English.

Description of the most common fees’ structure, the periodicity that is most commonly applied for the service, and if waivers are applied – Where applicable, please take into account the most common fee structure in your country. In this cell, you may describe any additional differentiation of fees that is widespread at a national level, such as when different criteria are used for maintenance fees: total balance of related accounts with the service provider; the account balance; or other services subscribed, to mention but a few. Please note that you are not required to indicate the amounts of fees. This does not need to be an exhaustive description of every structure.

Please indicate if fees are differentiated for different channels – Please use this column and the presented options if t is a common market practice in your Member State for pricing to be differentiated according to the channels of usage. Please provide an explanation if there is a mixture of practices in the national market.

ID code – If this service is included in the examples table below, please indicate the corresponding ID code. Type 1 - Account management / maintenance and related services

Regular fee for maintenance of the payment account. 1 If this fee tends to allow consumers to access other services (without any cost), please indicate the codes for the various services that are most commonly covered by this maintenance fee in your market (e.g. ID code 4 if a debit card is provided), as would be disclosed pursuant to Article 3(3) of Directive 2014/92/EU. Regular fee related to the level or method of service provision (e.g. fee for online or telephone banking) 2 Other ancillary services such as provision of copy statements, balance enquiries 3 Type 2 – Payment instruments (card and cheque services)

Issuing or maintaining a debit card 4 Issuing or maintaining a credit card, including a deferred debit card 5 Cash withdrawals 4 6

Placing of fiduciary currency (banknotes and coins) 7 Use of debit card for payments abroad 8 Use of debit card for foreign ATM withdrawals 9 Use of credit card for payments abroad 10 Use of credit card for foreign ATM withdrawals 11 Provision of a cheque book 12 Type 3 – Domestic payment services⁵

⁵ Initiated and completed within the Member State. 6 For credit transfers, please indicate in Column 5 if there is a differentiation of fees charged according to the identity of the receiving payment service provider. 7 Credit transfers pursuant to Regulation (EU) No 260/2012.

Credit transfers –SEPA 13 Credit transfers – non-SEPA 14 Receipt of international electronic funds transfers 19 Currency exchange services 20 Foreign currency travellers cheques 21 Type 5 – Overdraft and overrunning services