Judgment of the Court (First Chamber) of 16 July 2026.#Betaal Garant Nederland CV v De Nederlandsche Bank NV.#Reference for a preliminary ruling – Payment services in the internal market – Directive (EU) 2015/2366 – Article 4, point 3 – Concept of “payment service” – Article 4, point 24 – Concept of “transfer” – Operation of an intermediary entity carried out under a tripartite contract and consisting of the holding of a client's funds on the bank account of this intermediary entity and the transfer of these funds to an entrepreneur after authorization from the client – ​​Qualification of the operation – Absence of “payment service”. #Case C-51/25.

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Official record CELEX 62025CJ0051_SUM from European Union at Court of Justice of the European Union. Dated 16 July 2026. Status: decided.

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• Arrêt de la Cour (première chambre) du 16 juillet 2026.#Betaal Garant Nederland CV contre De Nederlandsche Bank NV.#Renvoi préjudiciel – Services de paiement dans le marché intérieur – Directive (UE) 2015/2366 – Article 4, point 3 – Notion de “service de paiement” – Article 4, point 24 – Notion de “virement” – Opération d’une entité intermédiaire effectuée au titre d’un contrat tripartite et consistant en la détention des fonds d’un client sur le compte bancaire de cette entité intermédiaire et le transfert de ces fonds à un entrepreneur après autorisation du client – Qualification de l’opération – Absence de “service de paiement”.#Affaire C-51/25.

  judgment · FR · 16 July 2026

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