Your rights when making payments in Europe

Published 20.12.2019

This leaflet lists the rights of consumers under the revised Payment Services Directive (PSD2) and related Union law.

EU rules mean your electronic payments are becoming cheaper, easier and safer.

How ?

  • You can make payments throughout Europe (the EU, Iceland, Norway and Liechtenstein) as easily and safely as in your home country.
  • You can no longer be charged extra costs by a merchant when you pay using a card issued in the EU.
  • The rules cover all kinds of electronic payments (e.g. credit transfers, direct debits, card payments…).
  • Anybody legally residing in Europe has the right to a bank account for making electronic payments (“payment account”).

More information

The leaflet is available in 22 languages on the dedicated website.


Association des Banques et Banquiers, Luxembourg


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