{
  "url": "https://openlegislation.uk/eu-regulation-2009-924",
  "json_url": "https://openlegislation.uk/eu-regulation-2009-924.json",
  "id": "eur/2009/924",
  "title": "Regulation (EC) No 924/2009 of the European Parliament and of the Council of 16 September 2009 on cross-border payments in the Community and repealing Regulation (EC) No 2560/2001 (Text with EEA relevance)",
  "short_title": "Regulation (EC) No 924/2009 on cross-border payments in the Community",
  "long_title": "Regulation (EC) No 924/2009 of the European Parliament and of the Council of 16 September 2009 on cross-border payments in the Community and repealing Regulation (EC) No 2560/2001 (Text with EEA relevance)",
  "citation": "EU Regulation No 924/2009",
  "type": "eur",
  "year": "2009",
  "number": "924",
  "version": "current",
  "date": "2009-09-16",
  "revised": false,
  "valid_from": null,
  "extent": "E+W+S+N.I.",
  "unapplied_effects": 3,
  "provisions": [
    {
      "path": "introduction",
      "kind": "introduction",
      "number": null,
      "heading": "Introductory text",
      "url": "https://openlegislation.uk/eu-regulation-2009-924/introduction",
      "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-regulation-2009-924/article-1",
      "extent": "E+W+S+N.I.",
      "status": null,
      "parent": null
    },
    {
      "path": "article/2",
      "kind": "article",
      "number": "2",
      "heading": "Definitions",
      "url": "https://openlegislation.uk/eu-regulation-2009-924/article-2",
      "extent": "E+W+S+N.I.",
      "status": null,
      "parent": null
    },
    {
      "path": "article/3",
      "kind": "article",
      "number": "3",
      "heading": "Charges for cross-border payments and corresponding national payments",
      "url": "https://openlegislation.uk/eu-regulation-2009-924/article-3",
      "extent": "E+W+S+N.I.",
      "status": "repealed",
      "parent": null
    },
    {
      "path": "article/3a",
      "kind": "article",
      "number": "3a",
      "heading": "Currency conversion charges related to card-based transactions",
      "url": "https://openlegislation.uk/eu-regulation-2009-924/article-3a",
      "extent": "E+W+S+N.I.",
      "status": null,
      "parent": null
    },
    {
      "path": "article/3b",
      "kind": "article",
      "number": "3b",
      "heading": "Currency conversion charges related to credit transfers",
      "url": "https://openlegislation.uk/eu-regulation-2009-924/article-3b",
      "extent": "E+W+S+N.I.",
      "status": null,
      "parent": null
    },
    {
      "path": "article/4",
      "kind": "article",
      "number": "4",
      "heading": "Measures for facilitating the automation of payments",
      "url": "https://openlegislation.uk/eu-regulation-2009-924/article-4",
      "extent": "E+W+S+N.I.",
      "status": "repealed",
      "parent": null
    },
    {
      "path": "article/5",
      "kind": "article",
      "number": "5",
      "heading": "Balance of payments reporting obligations",
      "url": "https://openlegislation.uk/eu-regulation-2009-924/article-5",
      "extent": "E+W+S+N.I.",
      "status": "repealed",
      "parent": null
    },
    {
      "path": "article/6",
      "kind": "article",
      "number": "6",
      "heading": "Interchange fee for cross-border direct debit transactions",
      "url": "https://openlegislation.uk/eu-regulation-2009-924/article-6",
      "extent": "E+W+S+N.I.",
      "status": "repealed",
      "parent": null
    },
    {
      "path": "article/7",
      "kind": "article",
      "number": "7",
      "heading": "Interchange fee for national direct debit transactions",
      "url": "https://openlegislation.uk/eu-regulation-2009-924/article-7",
      "extent": "E+W+S+N.I.",
      "status": "repealed",
      "parent": null
    },
    {
      "path": "article/8",
      "kind": "article",
      "number": "8",
      "heading": "Reachability for direct debit transactions",
      "url": "https://openlegislation.uk/eu-regulation-2009-924/article-8",
      "extent": "E+W+S+N.I.",
      "status": "repealed",
      "parent": null
    },
    {
      "path": "article/9",
      "kind": "article",
      "number": "9",
      "heading": "Competent authorities",
      "url": "https://openlegislation.uk/eu-regulation-2009-924/article-9",
      "extent": "E+W+S+N.I.",
      "status": "repealed",
      "parent": null
    },
    {
      "path": "article/10",
      "kind": "article",
      "number": "10",
      "heading": "Complaint procedures for alleged infringements of this Regulation",
      "url": "https://openlegislation.uk/eu-regulation-2009-924/article-10",
      "extent": "E+W+S+N.I.",
      "status": "repealed",
      "parent": null
    },
    {
      "path": "article/11",
      "kind": "article",
      "number": "11",
      "heading": "Out-of-court complaint and redress procedures",
      "url": "https://openlegislation.uk/eu-regulation-2009-924/article-11",
      "extent": "E+W+S+N.I.",
      "status": "repealed",
      "parent": null
    },
    {
      "path": "article/12",
      "kind": "article",
      "number": "12",
      "heading": "Cross-border cooperation",
      "url": "https://openlegislation.uk/eu-regulation-2009-924/article-12",
      "extent": "E+W+S+N.I.",
      "status": "repealed",
      "parent": null
    },
    {
      "path": "article/13",
      "kind": "article",
      "number": "13",
      "heading": "Penalties",
      "url": "https://openlegislation.uk/eu-regulation-2009-924/article-13",
      "extent": "E+W+S+N.I.",
      "status": "repealed",
      "parent": null
    },
    {
      "path": "article/14",
      "kind": "article",
      "number": "14",
      "heading": "Application to currencies other than the euro",
      "url": "https://openlegislation.uk/eu-regulation-2009-924/article-14",
      "extent": "E+W+S+N.I.",
      "status": "repealed",
      "parent": null
    },
    {
      "path": "article/15",
      "kind": "article",
      "number": "15",
      "heading": "Review",
      "url": "https://openlegislation.uk/eu-regulation-2009-924/article-15",
      "extent": "E+W+S+N.I.",
      "status": "repealed",
      "parent": null
    },
    {
      "path": "article/16",
      "kind": "article",
      "number": "16",
      "heading": "Repeal",
      "url": "https://openlegislation.uk/eu-regulation-2009-924/article-16",
      "extent": "E+W+S+N.I.",
      "status": "repealed",
      "parent": null
    },
    {
      "path": "article/17",
      "kind": "article",
      "number": "17",
      "heading": "Entry into force",
      "url": "https://openlegislation.uk/eu-regulation-2009-924/article-17",
      "extent": "E+W+S+N.I.",
      "status": "repealed",
      "parent": null
    },
    {
      "path": "signature",
      "kind": "signature",
      "number": null,
      "heading": "Signature",
      "url": "https://openlegislation.uk/eu-regulation-2009-924/signature",
      "extent": "E+W+S+N.I.",
      "status": null,
      "parent": null
    }
  ],
  "outstanding_effects": [
    {
      "type": "revoked",
      "affected_provisions": "Regulation",
      "affecting": "ukpga/2023/29",
      "affecting_title": "Financial Services and Markets Act 2023",
      "affecting_provisions": "Sch. 1 Pt. 1"
    }
  ],
  "made_under": [],
  "changes_made_to": 40,
  "changes_made_to_url": "https://openlegislation.uk/eu-regulation-2009-924/changes.json",
  "changes_made_by": 1,
  "changes_made_by_url": "https://openlegislation.uk/eu-regulation-2009-924/changes/by-it.json",
  "instruments_made_under": 0,
  "instruments_made_under_url": "https://openlegislation.uk/eu-regulation-2009-924/instruments.json",
  "provenance": {
    "source": "legislation.gov.uk",
    "source_url": "https://www.legislation.gov.uk/eur/2009/924",
    "retrieved_at": "2026-11-01T14:51:14.564909+00:00"
  },
  "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."
}