Final report guidelines on national provisional lists of the most representative services linked to a payment account and subject to a fee under the Payment Accounts Directive ( 2014/92/EU

The Payment Accounts Directive (‘the Directive’) was published in the Official Journal on 28 August 2014. It considers it vital that consumers are able to understand fees so that they are able to compare offers from different payment service providers and make informed decisions as to which payment account is most suitable for their needs. The guidelines set out how the designated competent authorities should apply the criteria, what factors they should take into consideration, how they should report their list of the most representative services to the EBA and to the European Commission, and what supporting data should be obtained.