Your Rights When Making Payments in Europe

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EUR 5,3470 5,2600 5,4100
USD 4,7814 4,7000 4,8200
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EUR 0,60% 1,00%
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Index Last update Rate
EURIBOR 12 LUNI 09.10.2026 3.21300%
EURIBOR 6 LUNI 09.10.2026 2.93600%
IRCC 01.10.2026 5.57000%
ROBOR 3 LUNI 09.10.2026 6.10000%
ROBOR 6 LUNI 09.10.2026 6.15000%
SARON 1MC+M1 09.10.2026 -0.09680%
SARON 3MC+M3 09.10.2026 -0.04280%
SARON 3MC+M6 09.10.2026 0.02820%
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Your Rights: in a Nutshell

EU rules mean your electronic payments are becoming cheaper, easier and safer. Here’s 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”).

What You Should Know:

Attached documents

  • Electronic Leaflet EC Payment Services