Article 3 Fraudulent use of non-cash payment instruments

Member States shall take the necessary measures to ensure that, when committed intentionally, the following conduct is punishable as a criminal offence:

1. (a)

   the fraudulent use of a stolen or otherwise unlawfully appropriated or obtained non-cash payment instrument;

2. (b)

   the fraudulent use of a counterfeit or falsified non-cash payment instrument.