C-287/19DenizBank AG v Verein für Konsumenteninformation

The court's own keywords

Reference for a preliminary ruling – Consumer protection – Directive (EU) 2015/2366 – Payment services in the internal market – Article 4(14) – Concept of ‘payment instrument’ – Personalised multifunctional bank cards – Near-field communication (NFC) functionality – Article 52(6)(a) and Article 54(1) – Information to be provided to users – Change in the conditions of a framework contract – Tacit consent – Article 63(1)(a) and (b) – Rights and obligations related to payment services – Derogation for low-value payment instruments – Conditions under which applicable – Payment instrument that does not allow its blocking – Payment instrument used anonymously – Limitation of the temporal effects of the judgment.

Interprets

• PSD2 — Directive (EU) 2015/236632015L2366

Articles in the ruling

The provisions are named in the court own keyword line. Read the article text here, the ruling at the source.

• Article 4
• Article 52
• Article 54
• Article 63