PSD2: Directive (EU) 2015/2366

Identifier

CELEX

32015L2366

Identifier

EU 2015/2366

Adopted

2015-11-25

In force

2016-01-12

Transposition deadline

2018-01-13

Articles

117

Articles

117 articles are read into the register, one address each. Read on 2026-08-18.

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Judgments of the Court of Justice

15 decisions

• C-665/23Court of Justice of the European Union2025-08-01

  IL v Veracash SAS

  Reference for a preliminary ruling – Payment services in the internal market – Directive 2007/64/EC – Article 56(1)(b) – Obligation for the payment service user to notify the payment service provider ‘without undue delay’ of the loss, theft, misappropriation or unauthorised use of his or her payment instrument – Article 58 – Notification of unauthorised payment transactions – Rectification of such a transaction by the payment service provider subject to the obligation for the user of those services to notify that transaction ‘without undue delay … and no later than 13 months after the debit date’ – Articles 60 and 61 – Respective liabilities of the payment service provider and of the payer for unauthorised payment transactions – Successive unauthorised payment transactions resulting from the loss, theft, misappropriation or unauthorised use of a payment instrument – Delayed notification without intent or gross negligence – Scope of the right to a refund.

  Ask NovaCopilot
• C-409/22Court of Justice of the European Union2024-07-11

  UA v 'Eurobank Bulgaria' AD

  Reference for a preliminary ruling – Free movement of capital – Payment services in the internal market – Directive 2007/64/EC – Concept of ‘payment instrument’ – Power of attorney of an agent acting on behalf of the account holder – Copy of the power of attorney with an ‘apostille’ certificate – Articles 54 and 59 – Consent to the execution of a payment transaction – Concept of ‘authentication’ – Unauthorised payment transactions – Liability of the payment service provider for those transactions – Burden of proof.

  Ask NovaCopilot
• C-661/22Court of Justice of the European Union2024-02-22

  'ABC Projektai' UAB v Lietuvos bankas

  Reference for a preliminary ruling – Payment services in the internal market – Directive (EU) 2015/2366 – Article 4(3) and (5) – Payment service or payment transaction – Directive 2009/110/EC – Article 2(2) – Issuance of electronic money – Holding of customer funds by a payment institution without a specific payment order – Classification.

  Ask NovaCopilot
• C-351/21Court of Justice of the European Union2023-03-16

  ZG v Beobank SA

  Reference for a preliminary ruling – Approximation 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.

  Ask NovaCopilot
• C-484/20Court of Justice of the European Union2021-12-02

  Vodafone Kabel Deutschland GmbH v Bundesverband der Verbraucherzentralen und Verbraucherverbände - Verbraucherzentrale Bundesverband eV

  Reference for a preliminary ruling – Consumer protection – Directive (EU) 2015/2366 – Payment services – Article 62(4) – Charges applicable – Article 107(1) – Full harmonisation – Article 115(1) and (2) – Transposition and application – Subscriptions for cable television and internet access – Contracts of indefinite duration concluded before the date for transposition of that directive – Charges applied to payment transactions without direct debit authorisation that are initiated after that date.

  Ask NovaCopilot
• C-337/20Court of Justice of the European Union2021-09-02

  DM and LR v Caisse régionale de Crédit agricole mutuel (CRCAM) - Alpes-Provence

  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.

  Ask NovaCopilot
• C-287/19Court of Justice of the European Union2020-11-11

  DenizBank AG v Verein für Konsumenteninformation

  Reference for a preliminary ruling – Consumer protection – Directive (EU) 2015/2366 – Payment services in the internal market – Article 4(14) – Concept of ‘payment instrument’ – Personalised multifunctional bank cards – Near-field communication (NFC) functionality – Article 52(6)(a) and Article 54(1) – Information to be provided to users – Change in the conditions of a framework contract – Tacit consent – Article 63(1)(a) and (b) – Rights and obligations related to payment services – Derogation for low-value payment instruments – Conditions under which applicable – Payment instrument that does not allow its blocking – Payment instrument used anonymously – Limitation of the temporal effects of the judgment.

  Ask NovaCopilot
• C-778/18Court of Justice of the European Union2020-10-15

  Association française des usagers de banques v Ministre de l'Économie et des Finances

  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.

  Ask NovaCopilot
• C-480/18Court of Justice of the European Union2020-04-02

  AS „PrivatBank” v Finanšu un kapitāla tirgus komisija

  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.

  Ask NovaCopilot
• C-295/18Court of Justice of the European Union2019-04-11

  Mediterranean Shipping Company (Portugal) - Agentes de Navegação SA v Banco Comercial Português SA and Caixa Geral de Depósitos, SA

  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.

  Ask NovaCopilot
• C-245/18Court of Justice of the European Union2019-03-21

  Tecnoservice Int. Srl, in liquidation v Poste Italiane SpA

  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.

  Ask NovaCopilot
• C-568/16Court of Justice of the European Union2018-03-22

  Rasool Entertainment GmbH and Staatsanwaltschaft Stuttgart v Faiz Rasool

  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.

  Ask NovaCopilot

Binding case law

15 judgments the Court itself has marked as interpreting this act.

• C-665/23Court of Justice of the European Union2025-08-01

  IL v Veracash SAS

  Reference for a preliminary ruling – Payment services in the internal market – Directive 2007/64/EC – Article 56(1)(b) – Obligation for the payment service user to notify the payment service provider ‘without undue delay’ of the loss, theft, misappropriation or unauthorised use of his or her payment instrument – Article 58 – Notification of unauthorised payment transactions – Rectification of such a transaction by the payment service provider subject to the obligation for the user of those services to notify that transaction ‘without undue delay … and no later than 13 months after the debit date’ – Articles 60 and 61 – Respective liabilities of the payment service provider and of the payer for unauthorised payment transactions – Successive unauthorised payment transactions resulting from the loss, theft, misappropriation or unauthorised use of a payment instrument – Delayed notification without intent or gross negligence – Scope of the right to a refund.

  ECLI:EU:C:2025:598EUR-LexThe Court
• C-409/22Court of Justice of the European Union2024-07-11

  UA v 'Eurobank Bulgaria' AD

  Reference for a preliminary ruling – Free movement of capital – Payment services in the internal market – Directive 2007/64/EC – Concept of ‘payment instrument’ – Power of attorney of an agent acting on behalf of the account holder – Copy of the power of attorney with an ‘apostille’ certificate – Articles 54 and 59 – Consent to the execution of a payment transaction – Concept of ‘authentication’ – Unauthorised payment transactions – Liability of the payment service provider for those transactions – Burden of proof.

  ECLI:EU:C:2024:600EUR-LexThe Court
• C-661/22Court of Justice of the European Union2024-02-22

  'ABC Projektai' UAB v Lietuvos bankas

  Reference for a preliminary ruling – Payment services in the internal market – Directive (EU) 2015/2366 – Article 4(3) and (5) – Payment service or payment transaction – Directive 2009/110/EC – Article 2(2) – Issuance of electronic money – Holding of customer funds by a payment institution without a specific payment order – Classification.

  ECLI:EU:C:2024:148EUR-LexThe Court
• C-351/21Court of Justice of the European Union2023-03-16

  ZG v Beobank SA

  Reference for a preliminary ruling – Approximation 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.

  ECLI:EU:C:2023:215EUR-LexThe Court
• C-484/20Court of Justice of the European Union2021-12-02

  Vodafone Kabel Deutschland GmbH v Bundesverband der Verbraucherzentralen und Verbraucherverbände - Verbraucherzentrale Bundesverband eV

  Reference for a preliminary ruling – Consumer protection – Directive (EU) 2015/2366 – Payment services – Article 62(4) – Charges applicable – Article 107(1) – Full harmonisation – Article 115(1) and (2) – Transposition and application – Subscriptions for cable television and internet access – Contracts of indefinite duration concluded before the date for transposition of that directive – Charges applied to payment transactions without direct debit authorisation that are initiated after that date.

  ECLI:EU:C:2021:975EUR-LexThe Court
• C-337/20Court of Justice of the European Union2021-09-02

  DM and LR v Caisse régionale de Crédit agricole mutuel (CRCAM) - Alpes-Provence

  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.

  ECLI:EU:C:2021:671EUR-LexThe Court
• C-287/198e01d479-c04c-11e5-9e54-01aa75ed71a12020-11-11

  DenizBank AG v Verein für Konsumenteninformation

  Reference for a preliminary ruling – Consumer protection – Directive (EU) 2015/2366 – Payment services in the internal market – Article 4(14) – Concept of ‘payment instrument’ – Personalised multifunctional bank cards – Near-field communication (NFC) functionality – Article 52(6)(a) and Article 54(1) – Information to be provided to users – Change in the conditions of a framework contract – Tacit consent – Article 63(1)(a) and (b) – Rights and obligations related to payment services – Derogation for low-value payment instruments – Conditions under which applicable – Payment instrument that does not allow its blocking – Payment instrument used anonymously – Limitation of the temporal effects of the judgment.

  ECLI:EU:C:2020:897EUR-LexThe Court
• C-778/180ff18fa3-c04a-11e5-9e54-01aa75ed71a12020-10-15

  Association française des usagers de banques v Ministre de l'Économie et des Finances

  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.

  ECLI:EU:C:2020:831EUR-LexThe Court

Read from the Publications Office of the European Union on 2026-08-22.

Amendment history

The amending acts that affect the base act, so the question of what applied on a given date can be answered against the register. Read 2026-08-31.

• Delegated Regulation (EU) 2018/389 (SCA-RTS)2019-09-14

  Strong customer authentication and secure open communication, the technical core of Article 97.

  CELEX 32018R0389

Supervisory bodies

• Finansinspektionen: Sweden

Official source

• EUR-Lex, CELEX 32015L2366
• All language versions
• National instruments, EUR-Lex NIM

National instruments

• SE Lag om betaltjänster

  SFS 2010:751 · www.riksdagen.se

• FI Maksupalvelulaki

  290/2010 · www.finlex.fi

• DE Zahlungsdiensteaufsichtsgesetz

  ZAG · www.gesetze-im-internet.de

• UK The Payment Services Regulations 2017

  SI 2017/752 · www.legislation.gov.uk

• NO Lov om finansavtaler (finansavtaleloven)

  LOV-2020-12-18-146 · lovdata.no

• DK Lov om betalinger

  LOV nr 652 af 08/06/2017 · www.retsinformation.dk

Obligations, actions and sanctions