EU regulatory register · PSD2
Article 4Definitions
CELEX 32015L2366 · Read on 2026-08-18
Official text
Read from the EU Publications Office for this CELEX number. The wording stands as published; nothing here is rewritten or summarised.
For the purposes of this Directive, the following definitions apply:
(1)
‘home Member State’ means either of the following:
(a)
the Member State in which the registered office of the payment service provider is situated; or
(b)
if the payment service provider has, under its national law, no registered office, the Member State in which its head office is situated;
(2)
‘host Member State’ means the Member State other than the home Member State in which a payment service provider has an agent or a branch or provides payment services;
(3)
‘payment service’ means any business activity set out in Annex I;
(4)
‘payment institution’ means a legal person that has been granted authorisation in accordance with Article 11 to provide and execute payment services throughout the Union;
(5)
The article continues in the official text.
Judgments of the Court of Justice
4 decisions
- C-661/22Court of Justice of the European Union
'ABC Projektai' UAB v Lietuvos bankas
Reference for a preliminary ruling – Payment services in the internal market – Directive (EU) 2015/2366 – Article 4(3) and (5) – Payment service or payment transaction – Directive 2009/110/EC – Article 2(2) – Issuance of electronic money – Holding of customer funds by a payment institution without a specific payment order – Classification.
- C-287/19Court of Justice of the European Union
DenizBank AG v Verein für Konsumenteninformation
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.
- C-568/16Court of Justice of the European Union
Rasool Entertainment GmbH and Staatsanwaltschaft Stuttgart v Faiz Rasool
Reference for a preliminary ruling — Payment services — Directive 2007/64/EC — Article 3(e) and (o) — Article 4(3) — Annex — Point 2 — Scope — Operation of multifunctional terminals enabling cash withdrawals in gaming arcades — Consistency of the practice of the national authorities in bringing prosecutions — Confiscation of sums obtained by means of an unlawful activity — Charter of Fundamental Rights of the European Union — Article 17.
- C‑616/11Court of Justice of the European Union
T-Mobile Austria GmbH v Verein für Konsumenteninformation
Directive 2007/64/EC — Payment services — Article 4.23 — Concept of payment instrument — Ordering transfers through online banking and by paper transfer order — Article 52(3) — Right of the payee to request from the payer charges for the use of a payment instrument — Power of Member States to lay down a general prohibition — Contract between a mobile phone operator and individuals.
The text is quoted from the official source and is not legal advice. A national court reads the language version that binds in its jurisdiction.
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