Subject matter, scope and definitions

These guidelines apply to the sound application of the criteria specified in Article 3(2) of Directive 2014/92/EU to be used by competent authorities when establishing a provisional list of the most representative services linked to a payment account and subject to a fee.

Addressees

These guidelines are addressed to competent authorities as referred to in Recital 17 of Directive 2014/92/EU.

Definitions

Unless specified otherwise, the terms used and defined in Directive 2014/92/EU have the same meaning in the guidelines.

In particular: ‘services linked to the payment account’ are defined in point (6) of Article 2 of Directive 2014/92/EU as 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.