Directive 2007/64/EC of the European Parliament and of the Council of 13 November 2007 on payment services in the internal market amending Directives 97/7/EC, 2002/65/EC, 2005/60/EC and 2006/48/EC and repealing Directive 97/5/EC (Text with EEA relevance)
- No longer in force
- CELEX number: 32007L0064
- Official Journal: JOL_2007_319_R_0001_01
- Form: Directive
- Procedure number: 2005/0245(COD), 2005/0245/COD
- Languages:
- bg
- cs
- da
- de
- el
- en
- et
- fi
- fr
- hr
- hu
- it
- lv
- lt
- mt
- nl
- pl
- pt
- ro
- sk
- sl
- es
- sv
Dates
Date of document: - November 13, 2007
- December 5, 2007
- December 25, 2007
- Entry into force - Date pub. +20 See Art 95
- November 1, 2009
- At the latest See Art 94.1
- January 12, 2018
- Repealed and replaced by 32015L2366
Modified by
Corrected by:
- July 18, 2009 - 32007L0064R(01)
Modified by:
- Directive 2009/111/EC of the European Parliament and of the Council of 16 September 2009 amending Directives 2006/48/EC, 2006/49/EC and 2007/64/EC as regards banks affiliated to central institutions, certain own funds items, large exposures, supervisory arrangements, and crisis management (Text with EEA relevance) - detail
Modifies
Modifies:
- Directive 2002/65/EC of the European Parliament and of the Council of 23 September 2002 concerning the distance marketing of consumer financial services and amending Council Directive 90/619/EEC and Directives 97/7/EC and 98/27/EC
- Directive 2006/48/EC of the European Parliament and of the Council of 14 June 2006 relating to the taking up and pursuit of the business of credit institutions (recast) (Text with EEA relevance)
- Directive 97/7/EC of the European Parliament and of the Council of 20 May 1997 on the protection of consumers in respect of distance contracts - Statement by the Council and the Parliament re Article 6 (1) - Statement by the Commission re Article 3 (1), first indent
- Directive 2005/60/EC of the European Parliament and of the Council of 26 October 2005 on the prevention of the use of the financial system for the purpose of money laundering and terrorist financing (Text with EEA relevance)
Affected by case
- Judgment of the Court (Tenth Chamber) of 21 March 2019. Tecnoservice Int. Srl, in liquidation v Poste Italiane SpA. Request for a preliminary ruling from the Tribunale ordinario di Udine. Reference for a preliminary ruling — Payment services in the internal market — Directive 2007/64/EC — Article 74(2) — Payment order by credit transfer — Incorrect unique identifier provided by the payer — Execution of the payment transaction on the basis of the unique identifier — Liability of the payee’s payment service provider. Case C-245/18.
- A74P2
- Judgment of the Court (Fourth Chamber) of 2 September 2021. DM and LR v Caisse régionale de Crédit agricole mutuel (CRCAM) - Alpes-Provence. Request for a preliminary ruling from the Cour de cassation. Reference for a preliminary ruling – Approximation of laws – Payment services in the internal market – Directive 2007/64/EC – Articles 58 and 60 – Payment service user – Notification of unauthorised payment transactions – Liability of the payment service provider for those transactions – Action for liability brought by the guarantor of a payment service user. Case C-337/20.
- A60P1
- A58
- Judgment of the Court (Fifth Chamber) of 16 March 2023. ZG v Beobank SA. Request for a preliminary ruling from the Justice de paix du canton de Forest. Reference for a preliminary ruling – Harmonisation of laws – Payment services in the internal market – Directive 2007/64/EC – Article 47(1)(a) – Information for the payer after receipt of the payment order – Articles 58, 60 and 61 – Payment service provider’s liability for unauthorised transactions – Obligation of that service provider to refund unauthorised transactions to the payer – Framework contracts – Obligation of that service provider to provide that payer with information relating to the payee concerned. Case C-351/21.
- A47P1LA
- Judgment of the Court (Fifth Chamber) of 22 March 2018. Rasool Entertainment GmbH and Staatsanwaltschaft Stuttgart v Faiz Rasool. Request for a preliminary ruling from the Amtsgericht Nürtingen. Reference for a preliminary ruling — Payment services — Directive 2007/64/EC — Article 3(e) and (o) — Article 4(3) — Annex — Point 2 — Scope — Operation of multifunctional terminals enabling cash withdrawals in gaming arcades — Consistency of the practice of the national authorities in bringing prosecutions — Confiscation of sums obtained by means of an unlawful activity — Charter of Fundamental Rights of the European Union — Article 17. Case C-568/16.
- A04PT3
- NPT2
- Judgment of the Court (Ninth Chamber) of 2 April 2020. AS „PrivatBank” v Finanšu un kapitāla tirgus komisija. Request for a preliminary ruling from the Augstākā tiesa. Reference for a preliminary ruling — Payment services in the internal market — Directive 2007/64/EC — Material and personal scope — Payment services provided in a currency other than the euro or the currency of a Member State outside the euro area — Payment services provided by a credit institution — Non-execution or defective execution of a payment order — Person liable — Prudential supervision procedure — Complaint procedures — Out-of-court-redress — Competent authorities. Case C-480/18.
- Judgment of the Court (Tenth Chamber) of 11 April 2019. Mediterranean Shipping Company (Portugal) - Agentes de Navegação SA v Banco Comercial Português SA and Caixa Geral de Depósitos, SA. Request for a preliminary ruling from the Tribunal da Relação do Porto. Reference for a preliminary ruling — Payment services in the internal market — Directive 2007/64/EC — Articles 2 and 58 — Scope — Payment service user — Meaning — Execution of a direct-debit payment order issued by a third party in respect of an account of which that party is not the holder — No authorisation from the holder of the debited account — Unauthorised payment transactions. Case C-295/18.
- A02P1
- A58
- Judgment of the Court (Fifth Chamber) of 15 October 2020. Association française des usagers de banques v Ministre de l'Économie et des Finances. Request for a preliminary ruling from the Conseil d'État (France). Reference for a preliminary ruling – Consumer protection – Payment services in the internal market – Directive 2007/64/EC – Article 45 – Directive (EU) 2015/2366 – Article 55 – Termination of a framework contract – Directive 2014/17/EU – Credit agreements for consumers relating to residential immovable property – Article 12(1), (2)(a) and (3) – Tying practices – Bundling practices – Directive 2014/92/EU – Payment accounts – Articles 9 to 14 – Account switching – Obligation to deposit income on a payment account held with the lender during a period fixed by the credit agreement as consideration for an individual advantage – Duration of the obligation – Loss of the individual advantage in the event of early termination of the account. Case C-778/18.
- A45P2
- Judgment of the Court (Fifth Chamber), 9 April 2014. T-Mobile Austria GmbH v Verein für Konsumenteninformation. Request for a preliminary ruling from the Oberster Gerichtshof. Directive 2007/64/EC — Payment services — Article 4.23 — Concept of payment instrument — Ordering transfers through online banking and by paper transfer order — Article 52(3) — Right of the payee to request from the payer charges for the use of a payment instrument — Power of Member States to lay down a general prohibition — Contract between a mobile phone operator and individuals. Case C‑616/11.
- Judgment of the Court (Third Chamber) of 25 January 2017. BAWAG PSK Bank für Arbeit und Wirtschaft und Österreichische Postsparkasse AG v Verein für Konsumenteninformation. Request for a preliminary ruling from the Oberster Gerichtshof. Reference for a preliminary ruling — Directive 2007/64/EC — Payment services in the internal market — Framework contracts — Prior general information — Obligation to provide that information on paper or on another durable medium — Information transmitted by means of the electronic mailbox of an online banking website. Case C-375/15.
- A36P1
- A44P1
- A41P1
- A04PT25
- A42
- Case C-665/23, Veracash: Request for a preliminary ruling from the Cour de cassation (France) lodged on 9 November 2023 — IL v Veracash SAS
- article 58
- article 61
- article 56
- article 60
- Case C-295/18: Request for a preliminary ruling from the Tribunal da Relação do Porto (Portugal) lodged on 30 April 2018 — Mediterranean Shipping Company (Portugal) — Agentes de Navegação S.A. v Banco Comercial Português SA, Caixa Geral de Depósitos, SA
- article 2
- article 58
- Case C-337/20: Request for a preliminary ruling from the Cour de cassation (France) lodged on 23 July 2020 — DM, LR v Caisse régionale de Crédit agricole mutuel (CRCAM) Alpes-Provence
- article 58
- Case C-480/18: Request for a preliminary ruling from the Augstākā tiesa (Latvia) lodged on 23 July 2018 — AS ‘PrivatBank’
- article 80
- article 20 paragraph 1
- article 81
- article 21
- article 21 paragraph 2
- article 2 paragraph 2
- article 82
- article 75
- article 20
- article 20 paragraph 5
- Case C-409/22: Request for a preliminary ruling from the Apelativen sad Sofia (Bulgaria) lodged on 21 June 2022 — UA v EUROBANK BULGARIA AD
- article 4 point 23
- article 59 paragraph 1
- Case C-191/17: Request for a preliminary ruling from the Oberster Gerichtshof (Austria) lodged on 13 April 2017 — Bundeskammer für Arbeiter und Angestellte v ING-DiBa Direktbank Austria Niederlassung der ING-DiBa AG
- article 4 point 14
- Case C-778/18: Request for a preliminary ruling from the Conseil d’État (France) lodged on 11 December 2018 — Association française des usagers de banques v Ministre de l’Économie et des Finances
- article 45
- Case C-568/16: Request for a preliminary ruling from the Amtsgericht Nürtingen (Germany) lodged on 10 November 2016 — Criminal proceedings against Faiz Rasool
- article 3 point (o)
- article 3 point (e)
- article 4 point 3
- annex point 2
- Case C-375/15: Request for a preliminary ruling from the Oberster Gerichtshof (Austria) lodged on 15 July 2015 — BAWAG PSK Bank für Arbeit und Wirtschaft und Österreichische Postsparkasse AG v Verein für Konsumenteninformation
- article 36 paragraph 1
- article 41 paragraph 1
- Case C-245/18: Request for a preliminary ruling from the Tribunale ordinario di Udine (Italy) lodged on 9 April 2018 — Fallimento Tecnoservice Int. Srl v Poste Italiane SpA
- article 74
- article 75
- Case C-351/21: Request for a preliminary ruling from the Justice de paix du canton de Forest (Belgium) lodged on 4 June 2021 — ZG v Beobank SA
- article 38 point (a)
Legal basis
- Treaty establishing the European Community (consolidated version) Part Three - Community policies TITLE III - Free movement of persons, services and capital Chapter 2 - Right of establishment Article 47
- Treaty establishing the European Community (consolidated version) Part Five - Institutions of the Community TITLE I - Provisions governing the institutions Chapter 2 - Provisions common to several institutions Article 251
- Treaty establishing the European Community (consolidated version) Part Three - Community policies TITLE VI - Common rules on competition, taxation and approximation of laws Chapter 3 - Approximation of laws Article 95
EuroVoc Vocabulary
- Provision of services
- Freedom of establishment
- Single market
- Credit institution
- Protection of economic interests
- Financial legislation
- Intra-EU payment
- Banking
- Free movement of capital
- Service activities
- Free movement of capital
- Electronic money
- Internal market - Principles