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Law implementing the directive on the comparability of payment account fees, the switching of payment accounts and access to payment accounts with basic functions

Original: Gesetz zur Umsetzung der Richtlinie über die Vergleichbarkeit von Zahlungskontoentgelten, den Wechsel von Zahlungskonten sowie den Zugang zu Zahlungskonten mit grundlegenden Funktionen

Translated from German

enactedGermany· German Bundestag· DE

Introduced

6 November 2015

Last action

18 March 2016 · Beschlussdrucksache

Status

Verkündet

Sponsors

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Subjects

Discovery layer

Source updated

25 August 2026

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Summary

Right of access to a basic account for every consumer in the EU in every member state, including homeless people, asylum seekers and tolerated persons, with correspondingly changed identity checks and limited options for rejection, scope of basic payment services, special consumer protection regulations, in particular on the appropriateness and transparency of fees and limited options for termination, obligations of payment service providers to support when changing accounts;<br /> Law on the comparability of payment account fees, the change of payment accounts and access to payment accounts with basic functions (<strong>Payment Accounts Act</strong> - ZKG) as Art. 1 of the template, amendment of 3 laws and 3 legal regulations; Authorization to issue regulations<br /> <br /> Reference: Directive 2014/92/EU of 23 July 2014 on the comparability of payment account fees, the switching of payment accounts and access to payment accounts with basic functions (Payment Accounts Directive) (OJ L 257, 28.08.2014, S. 214)<br /> <br /> <strong>Recommendation of the committee:</strong> Possibility of applying for the basic account as a seizure protection account, linguistic revision of the application form, user behavior as a fee appropriateness criterion, etc.; Adjustments and clarifications

Discovery translation for search and reading. The original official text remains authoritative.

Timeline

  1. 6 November 2015

    Bill

    Law implementing the directive on the comparability of payment account fees, the switching of payment accounts and access to payment accounts with basic functions

    Source: BR

  2. 7 December 2015

    Empfehlungen der Ausschüsse

    Law implementing the directive on the comparability of payment account fees, the switching of payment accounts and access to payment accounts with basic functions

    Source: BR

  3. 18 December 2015

    1. Durchgang

    Law implementing the directive on the comparability of payment account fees, the switching of payment accounts and access to payment accounts with basic functions

    Source: BR

  4. 18 December 2015

    Beschlussdrucksache

    Law implementing the directive on the comparability of payment account fees, the switching of payment accounts and access to payment accounts with basic functions

    Source: BR

  5. 6 January 2016

    Bill

    Law implementing the directive on the comparability of payment account fees, the switching of payment accounts and access to payment accounts with basic functions

    Source: BT

  6. 15 January 2016

    First reading

    Law implementing the directive on the comparability of payment account fees, the switching of payment accounts and access to payment accounts with basic functions

    Source: BT

  7. 28 January 2016

    Änderung der Ausschussüberweisung

    Law implementing the directive on the comparability of payment account fees, the switching of payment accounts and access to payment accounts with basic functions

    Source: BT

  8. 24 February 2016

    Recommendation and report

    Law implementing the directive on the comparability of payment account fees, the switching of payment accounts and access to payment accounts with basic functions

    Source: BT

  9. 25 February 2016

    Second reading

    Law implementing the directive on the comparability of payment account fees, the switching of payment accounts and access to payment accounts with basic functions

    Source: BT

  10. 25 February 2016

    Third reading

    Law implementing the directive on the comparability of payment account fees, the switching of payment accounts and access to payment accounts with basic functions

    Source: BT

  11. 26 February 2016

    Unterrichtung über Gesetzesbeschluss des BT

    Law implementing the directive on the comparability of payment account fees, the switching of payment accounts and access to payment accounts with basic functions

    Source: BR

  12. 8 March 2016

    Empfehlungen der Ausschüsse

    Law implementing the directive on the comparability of payment account fees, the switching of payment accounts and access to payment accounts with basic functions

    Source: BR

  13. 16 March 2016

    Plenarantrag

    Law implementing the directive on the comparability of payment account fees, the switching of payment accounts and access to payment accounts with basic functions

    Source: BR

  14. 16 March 2016

    Plenarantrag

    Law implementing the directive on the comparability of payment account fees, the switching of payment accounts and access to payment accounts with basic functions

    Source: BR

  15. 18 March 2016

    2. Durchgang

    Law implementing the directive on the comparability of payment account fees, the switching of payment accounts and access to payment accounts with basic functions

    Source: BR

  16. 18 March 2016

    Beschlussdrucksache

    Law implementing the directive on the comparability of payment account fees, the switching of payment accounts and access to payment accounts with basic functions

    Source: BR

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Versions

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Documents

10 official files

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Sources

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