EU regulatory register · PSD2
Article 54Changes in conditions of the framework contract
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.
1. Any changes in the framework contract or in the information and conditions specified in Article 52 shall be proposed by the payment service provider in the same way as provided for in Article 51(1) and no later than 2 months before their proposed date of application. The payment service user can either accept or reject the changes before the date of their proposed date of entry into force.
Where applicable in accordance with point (6)(a) of Article 52, the payment service provider shall inform the payment service user that it is to be deemed to have accepted those changes if it does not notify the payment service provider before the proposed date of their entry into force that they are not accepted. The payment service provider shall also inform the payment service user that, in the event that the payment service user rejects those changes, the payment service user has the right to terminate the framework contract free of charge and with effect at any time until the date when the changes would have applied.
2. Changes in the interest or exchange rates may be applied immediately and without notice, provided that such a right is agreed upon in the framework contract and that the changes in the interest or exchange rates are based on the reference interest or exchange rates agreed on in accordance with point (3)(b) and (c) of Article 52. The payment service user shall be informed of any change in the interest rate at the earliest opportunity in the same way as provided for in Article 51(1), unless the parties have agreed on a specific frequency or manner in which the information is to be provided or made available. However, changes in interest or exchange rates which are more favourable to the payment service users, may be applied without notice.
3. Changes in the interest or exchange rate used in payment transactions shall be implemented and calculated in a neutral manner that does not discriminate against payment service users.
Judgments of the Court of Justice
2 decisions
- C-409/22Court of Justice of the European Union
UA v 'Eurobank Bulgaria' AD
Reference for a preliminary ruling – Free movement of capital – Payment services in the internal market – Directive 2007/64/EC – Concept of ‘payment instrument’ – Power of attorney of an agent acting on behalf of the account holder – Copy of the power of attorney with an ‘apostille’ certificate – Articles 54 and 59 – Consent to the execution of a payment transaction – Concept of ‘authentication’ – Unauthorised payment transactions – Liability of the payment service provider for those transactions – Burden of proof.
- 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.
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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