Article 11 Presentation of types of fees

  1. (1)

    Where separate fees are charged in one or more of the following ways, payment services providers shall provide, in the table "Detailed statement of fees paid on the account" in the "Service" column of the respective service on a separate line, a description of each fee-charging instance, channel or condition ("types of fees"):

    1. (a)

      for different fee-charging instances of the provision of the same service, such as an initial set-up fee and subsequent execution fees for the same service;

    2. (b)

      for different channels through which the same service is requested, used or provided, such as by phone, branch or online;

    3. (c)

      depending on whether a specific condition for the same service is met, such as adherence to a minimum or maximum threshold amount for credit transfers or cash withdrawals.

    The description shall be left aligned. The fees shall be displayed in the "Unit fee" column right aligned.

  2. (2)

    Where fees are charged dependent on a combination of several types of fees, such as fees that differ by channel and are then further separated depending on whether a threshold amount is met, payment service providers shall, in addition to applying Article 10(5), right-indent the description of each additional type of fee.

  3. (3)

    Where the fee has changed during the relevant period, payment service providers shall list the fees applied during each period, by adding new lines to the "Unit fee" column.