Preamble
Recitals 58
Chapter I - SUBJECT MATTER, SCOPE AND DEFINITIONS (Article 1-2) 2
Chapter II - COMPARABILITY OF FEES CONNECTED WITH PAYMENT ACCOUNTS (Article 3-8) 6
Chapter III - SWITCHING (Article 9-14) 6
Chapter IV - ACCESS TO PAYMENT ACCOUNTS (Article 15-20) 6
Chapter V - COMPETENT AUTHORITIES AND ALTERNATIVE DISPUTE RESOLUTION (Article 21-25) 5
Chapter VI - SANCTIONS (Article 26) 1
Chapter VII - FINAL PROVISIONS (Article 27-31) 5

payer

Definitions over time (1)

17/09/2014 – today applies on 12/11/2026 Article 2, Directive 2014/92/EU Scope: Whole act

For the purposes of this Directive, the following definitions apply:

‘payer’ means a natural or legal person who holds a payment account and allows a payment order from that payment account or, where there is no payer’s payment account, a natural or legal person who makes a payment order to a payee’s payment account;