{
  "url": "https://openlegislation.uk/eu-directive-2014-92",
  "json_url": "https://openlegislation.uk/eu-directive-2014-92.json",
  "id": "eudr/2014/92",
  "title": "Directive 2014/92/EU of the European Parliament and of the Council of 23 July 2014 on the comparability of fees related to payment accounts, payment account switching and access to payment accounts with basic features (Text with EEA relevance)",
  "short_title": "Directive 2014/92/EU of the European Parliament and of the Council of 23 July 2014 on the comparability of fees related to payment accounts, payment account switching and access to payment accounts with basic features",
  "long_title": "Directive 2014/92/EU of the European Parliament and of the Council of 23 July 2014 on the comparability of fees related to payment accounts, payment account switching and access to payment accounts with basic features (Text with EEA relevance)",
  "citation": "EU Directive 2014/92",
  "type": "eudr",
  "year": "2014",
  "number": "92",
  "version": "current",
  "date": "2014-07-23",
  "revised": false,
  "valid_from": null,
  "extent": "E+W+S+N.I.",
  "unapplied_effects": 0,
  "provisions": [
    {
      "path": "introduction",
      "kind": "introduction",
      "number": null,
      "heading": "Introductory text",
      "url": "https://openlegislation.uk/eu-directive-2014-92/introduction",
      "extent": "E+W+S+N.I.",
      "status": null,
      "parent": null
    },
    {
      "path": "chapter/I",
      "kind": "chapter",
      "number": "I",
      "heading": "SUBJECT MATTER, SCOPE AND DEFINITIONS",
      "url": null,
      "extent": "E+W+S+N.I.",
      "status": null,
      "parent": null
    },
    {
      "path": "article/1",
      "kind": "article",
      "number": "1",
      "heading": "Subject matter and scope",
      "url": "https://openlegislation.uk/eu-directive-2014-92/article-1",
      "extent": "E+W+S+N.I.",
      "status": null,
      "parent": "chapter/I"
    },
    {
      "path": "article/2",
      "kind": "article",
      "number": "2",
      "heading": "Definitions",
      "url": "https://openlegislation.uk/eu-directive-2014-92/article-2",
      "extent": "E+W+S+N.I.",
      "status": null,
      "parent": "chapter/I"
    },
    {
      "path": "chapter/II",
      "kind": "chapter",
      "number": "II",
      "heading": "COMPARABILITY OF FEES CONNECTED WITH PAYMENT ACCOUNTS",
      "url": null,
      "extent": "E+W+S+N.I.",
      "status": null,
      "parent": null
    },
    {
      "path": "article/3",
      "kind": "article",
      "number": "3",
      "heading": "List of the most representative services linked to a payment account and subject to a fee at national level and standardised terminology",
      "url": "https://openlegislation.uk/eu-directive-2014-92/article-3",
      "extent": "E+W+S+N.I.",
      "status": null,
      "parent": "chapter/II"
    },
    {
      "path": "article/4",
      "kind": "article",
      "number": "4",
      "heading": "Fee information document and glossary",
      "url": "https://openlegislation.uk/eu-directive-2014-92/article-4",
      "extent": "E+W+S+N.I.",
      "status": null,
      "parent": "chapter/II"
    },
    {
      "path": "article/5",
      "kind": "article",
      "number": "5",
      "heading": "Statement of fees",
      "url": "https://openlegislation.uk/eu-directive-2014-92/article-5",
      "extent": "E+W+S+N.I.",
      "status": null,
      "parent": "chapter/II"
    },
    {
      "path": "article/6",
      "kind": "article",
      "number": "6",
      "heading": "Information for consumers",
      "url": "https://openlegislation.uk/eu-directive-2014-92/article-6",
      "extent": "E+W+S+N.I.",
      "status": null,
      "parent": "chapter/II"
    },
    {
      "path": "article/7",
      "kind": "article",
      "number": "7",
      "heading": "Comparison websites",
      "url": "https://openlegislation.uk/eu-directive-2014-92/article-7",
      "extent": "E+W+S+N.I.",
      "status": null,
      "parent": "chapter/II"
    },
    {
      "path": "article/8",
      "kind": "article",
      "number": "8",
      "heading": "Payment accounts packaged with another product or service",
      "url": "https://openlegislation.uk/eu-directive-2014-92/article-8",
      "extent": "E+W+S+N.I.",
      "status": null,
      "parent": "chapter/II"
    },
    {
      "path": "chapter/III",
      "kind": "chapter",
      "number": "III",
      "heading": "SWITCHING",
      "url": null,
      "extent": "E+W+S+N.I.",
      "status": null,
      "parent": null
    },
    {
      "path": "article/9",
      "kind": "article",
      "number": "9",
      "heading": "Provision of the switching service",
      "url": "https://openlegislation.uk/eu-directive-2014-92/article-9",
      "extent": "E+W+S+N.I.",
      "status": null,
      "parent": "chapter/III"
    },
    {
      "path": "article/10",
      "kind": "article",
      "number": "10",
      "heading": "The switching service",
      "url": "https://openlegislation.uk/eu-directive-2014-92/article-10",
      "extent": "E+W+S+N.I.",
      "status": null,
      "parent": "chapter/III"
    },
    {
      "path": "article/11",
      "kind": "article",
      "number": "11",
      "heading": "Facilitation of cross-border account-opening for consumers",
      "url": "https://openlegislation.uk/eu-directive-2014-92/article-11",
      "extent": "E+W+S+N.I.",
      "status": null,
      "parent": "chapter/III"
    },
    {
      "path": "article/12",
      "kind": "article",
      "number": "12",
      "heading": "Fees connected with the switching service",
      "url": "https://openlegislation.uk/eu-directive-2014-92/article-12",
      "extent": "E+W+S+N.I.",
      "status": null,
      "parent": "chapter/III"
    },
    {
      "path": "article/13",
      "kind": "article",
      "number": "13",
      "heading": "Financial loss for consumers",
      "url": "https://openlegislation.uk/eu-directive-2014-92/article-13",
      "extent": "E+W+S+N.I.",
      "status": null,
      "parent": "chapter/III"
    },
    {
      "path": "article/14",
      "kind": "article",
      "number": "14",
      "heading": "Information about the switching service",
      "url": "https://openlegislation.uk/eu-directive-2014-92/article-14",
      "extent": "E+W+S+N.I.",
      "status": null,
      "parent": "chapter/III"
    },
    {
      "path": "chapter/IV",
      "kind": "chapter",
      "number": "IV",
      "heading": "ACCESS TO PAYMENT ACCOUNTS",
      "url": null,
      "extent": "E+W+S+N.I.",
      "status": null,
      "parent": null
    },
    {
      "path": "article/15",
      "kind": "article",
      "number": "15",
      "heading": "Non-discrimination",
      "url": "https://openlegislation.uk/eu-directive-2014-92/article-15",
      "extent": "E+W+S+N.I.",
      "status": null,
      "parent": "chapter/IV"
    },
    {
      "path": "article/16",
      "kind": "article",
      "number": "16",
      "heading": "Right of access to a payment account with basic features",
      "url": "https://openlegislation.uk/eu-directive-2014-92/article-16",
      "extent": "E+W+S+N.I.",
      "status": null,
      "parent": "chapter/IV"
    },
    {
      "path": "article/17",
      "kind": "article",
      "number": "17",
      "heading": "Characteristics of a payment account with basic features",
      "url": "https://openlegislation.uk/eu-directive-2014-92/article-17",
      "extent": "E+W+S+N.I.",
      "status": null,
      "parent": "chapter/IV"
    },
    {
      "path": "article/18",
      "kind": "article",
      "number": "18",
      "heading": "Associated fees",
      "url": "https://openlegislation.uk/eu-directive-2014-92/article-18",
      "extent": "E+W+S+N.I.",
      "status": null,
      "parent": "chapter/IV"
    },
    {
      "path": "article/19",
      "kind": "article",
      "number": "19",
      "heading": "Framework contracts and termination",
      "url": "https://openlegislation.uk/eu-directive-2014-92/article-19",
      "extent": "E+W+S+N.I.",
      "status": null,
      "parent": "chapter/IV"
    },
    {
      "path": "article/20",
      "kind": "article",
      "number": "20",
      "heading": "General information on payment accounts with basic features",
      "url": "https://openlegislation.uk/eu-directive-2014-92/article-20",
      "extent": "E+W+S+N.I.",
      "status": null,
      "parent": "chapter/IV"
    },
    {
      "path": "chapter/V",
      "kind": "chapter",
      "number": "V",
      "heading": "COMPETENT AUTHORITIES AND ALTERNATIVE DISPUTE RESOLUTION",
      "url": null,
      "extent": "E+W+S+N.I.",
      "status": null,
      "parent": null
    },
    {
      "path": "article/21",
      "kind": "article",
      "number": "21",
      "heading": "Competent authorities",
      "url": "https://openlegislation.uk/eu-directive-2014-92/article-21",
      "extent": "E+W+S+N.I.",
      "status": null,
      "parent": "chapter/V"
    },
    {
      "path": "article/22",
      "kind": "article",
      "number": "22",
      "heading": "Obligation to cooperate",
      "url": "https://openlegislation.uk/eu-directive-2014-92/article-22",
      "extent": "E+W+S+N.I.",
      "status": null,
      "parent": "chapter/V"
    },
    {
      "path": "article/23",
      "kind": "article",
      "number": "23",
      "heading": "Settlement of disagreements between competent authorities of different Member States",
      "url": "https://openlegislation.uk/eu-directive-2014-92/article-23",
      "extent": "E+W+S+N.I.",
      "status": null,
      "parent": "chapter/V"
    },
    {
      "path": "article/24",
      "kind": "article",
      "number": "24",
      "heading": "Alternative dispute resolution",
      "url": "https://openlegislation.uk/eu-directive-2014-92/article-24",
      "extent": "E+W+S+N.I.",
      "status": null,
      "parent": "chapter/V"
    },
    {
      "path": "article/25",
      "kind": "article",
      "number": "25",
      "heading": "Mechanism in the event of refusal of a payment account for which a fee is charged",
      "url": "https://openlegislation.uk/eu-directive-2014-92/article-25",
      "extent": "E+W+S+N.I.",
      "status": null,
      "parent": "chapter/V"
    },
    {
      "path": "chapter/VI",
      "kind": "chapter",
      "number": "VI",
      "heading": "SANCTIONS",
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      "extent": "E+W+S+N.I.",
      "status": null,
      "parent": null
    },
    {
      "path": "article/26",
      "kind": "article",
      "number": "26",
      "heading": "Sanctions",
      "url": "https://openlegislation.uk/eu-directive-2014-92/article-26",
      "extent": "E+W+S+N.I.",
      "status": null,
      "parent": "chapter/VI"
    },
    {
      "path": "chapter/VII",
      "kind": "chapter",
      "number": "VII",
      "heading": "FINAL PROVISIONS",
      "url": null,
      "extent": "E+W+S+N.I.",
      "status": null,
      "parent": null
    },
    {
      "path": "article/27",
      "kind": "article",
      "number": "27",
      "heading": "Evaluation",
      "url": "https://openlegislation.uk/eu-directive-2014-92/article-27",
      "extent": "E+W+S+N.I.",
      "status": null,
      "parent": "chapter/VII"
    },
    {
      "path": "article/28",
      "kind": "article",
      "number": "28",
      "heading": "Review",
      "url": "https://openlegislation.uk/eu-directive-2014-92/article-28",
      "extent": "E+W+S+N.I.",
      "status": null,
      "parent": "chapter/VII"
    },
    {
      "path": "article/29",
      "kind": "article",
      "number": "29",
      "heading": "Transposition",
      "url": "https://openlegislation.uk/eu-directive-2014-92/article-29",
      "extent": "E+W+S+N.I.",
      "status": null,
      "parent": "chapter/VII"
    },
    {
      "path": "article/30",
      "kind": "article",
      "number": "30",
      "heading": "Entry into force",
      "url": "https://openlegislation.uk/eu-directive-2014-92/article-30",
      "extent": "E+W+S+N.I.",
      "status": null,
      "parent": "chapter/VII"
    },
    {
      "path": "article/31",
      "kind": "article",
      "number": "31",
      "heading": "Addressees",
      "url": "https://openlegislation.uk/eu-directive-2014-92/article-31",
      "extent": "E+W+S+N.I.",
      "status": null,
      "parent": "chapter/VII"
    },
    {
      "path": "signature",
      "kind": "signature",
      "number": null,
      "heading": "Signature",
      "url": "https://openlegislation.uk/eu-directive-2014-92/signature",
      "extent": "E+W+S+N.I.",
      "status": null,
      "parent": null
    }
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  "provenance": {
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    "source_url": "https://www.legislation.gov.uk/eudr/2014/92",
    "retrieved_at": "2026-11-01T15:21:41.405168+00:00"
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  "licence": "Open Government Licence v3.0",
  "licence_url": "https://www.nationalarchives.gov.uk/doc/open-government-licence/version/3/",
  "attribution": "Contains public sector information licensed under the Open Government Licence v3.0. Source: legislation.gov.uk, The National Archives."
}