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Court of Justice of the European Union · Judgment

C-70/25N.O. v PKO BP S.A

Decided
2026-10-15
ECLI
ECLI:EU:C:2026:852
CELEX
62025CJ0070
Finality
Final, the decision cannot be appealed

Also searched as: Case C-70/25, C-70/25 2026, ECLI:EU:C:2026:852.

The court's own keywords

Reference for a preliminary ruling – Payment services in the internal market – Directive (EU) 2015/2366 – Unauthorised payment transactions – Article 73 – Payment service provider’s liability – Article 74 – Payer’s liability – Obligation of the payment service provider to refund immediately – Scope – Allocation of liability between the payment service provider and the payer – Article 69 – Obligations of the payment service user – Gross negligence – Refusal by the payment service provider to refund immediately to the payer the amount of an unauthorised transaction on the ground that that payer made that transaction possible through gross negligence.

Interprets

    Core objects in the machine route

    Summary: Final, the decision cannot be appealed

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    What compensation do I get for a delayed flight in the EU?How long can I return an online purchase in the EU?Can I ask a company to delete my personal data?What notice period applies under Swedish employment law?

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    Get official document

    Retrieved directly from EUR-Lex when you click. No permanent storage on our side. How it works

    EUR-LexThe Court

    Machine addresses

    id
    eu:c-70-25

    Read from EU:s publikationsbyrå, Cellar (EUR-Lex och CURIA) on 2026-08-22.

    The row repeats what the source states. It is not a summary, not a conclusion about any single case and not legal advice.

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