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Bank accounts

Bank accounts are essential tools for all consumers. It is therefore necessary to guarantee that they are accessible to all citizens in the EU and that consumers have appropriate means to choose the product which best fits their needs.

Legislative proposal

23.07.2014
Council adopts Directive 2014/92/EU on the comparability of fees related to payment accounts, payment account switching and access to payment accounts with basic features
15.04.2014
European Parliament adopts the Directive on payment accounts
08.05.2013
Proposal for a directive on the transparency and comparability of payment account fees, payment account switching and access to a basic payment account

Consultations on Bank accounts

25.07.2012
27.03.2012

Recommendation and follow-up

22.08.2012
National measures and practices as regards access to basic payment accountpdf(97 KB) Choose translations of the previous link  (SWD(2012)249) – Member States’ follow-up to the Recommendation
18.07.2011
Commission adoption of a Recommendation on access to a basic payment account (2011/442/EU)

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