# BAWAG PSK (C-375/15) — payment services, changes to framework contract terms via e-banking mailbox and the 'durable medium' requirement (PSD) URL: https://consilena.com/coverage/laws/ksrc_jt85pqy62hkr65rs - Jurisdiction: European Union - Type: Case - Short name: PSD - Identifier: EU:C:2017:38 - Current as of: 25 January 2017 - Provisions: 1 - Official text: https://eur-lex.europa.eu/legal-content/EN/TXT/?uri=CELEX:62015CJ0375 > The library is a research copy. Check the official source before relying on a provision: the text published there, not the copy in Consilena, is the law. ## Provisions - **["JUDGMENT OF THE COURT (Third Chamber)", "BAWAG PSK Bank für Arbeit und Wirtschaft und Österreichische Postsparkasse AG v Verein für Konsumenteninformation", "25 January 2017 ( 1 )"]**: 25 January 2017 ( *1 ) Recitals 18, 21 to 24, 27 and 46 of Directive 2007/64 state: ‘(18) A set of rules should be established in order to ensure transparency… - **["JUDGMENT OF THE COURT (Third Chamber)", "BAWAG PSK Bank für Arbeit und Wirtschaft und Österreichische Postsparkasse AG v Verein für Konsumenteninformation", "25 January 2017 ( 1 )"]**: 25 January 2017 ( *1 ) At the same time, the protection of payment service users and, in particular, consumer protection, being one of the aims of that… - **["JUDGMENT OF THE COURT (Third Chamber)", "BAWAG PSK Bank für Arbeit und Wirtschaft und Österreichische Postsparkasse AG v Verein für Konsumenteninformation", "25 January 2017 ( 1 )"]**: 25 January 2017 ( *1 ) This request has been made in proceedings between BAWAG PSK Bank für Arbeit und Wirtschaft und Österreichische Postsparkasse AG… - **["JUDGMENT OF THE COURT (Third Chamber)", "BAWAG PSK Bank für Arbeit und Wirtschaft und Österreichische Postsparkasse AG v Verein für Konsumenteninformation", "25 January 2017 ( 1 )"]**: 25 January 2017 ( *1 ) Recital 24 of Directive 2007/64 states that the requirements for prior information on framework contracts should be quite comprehensive… - **["JUDGMENT OF THE COURT (Third Chamber)", "BAWAG PSK Bank für Arbeit und Wirtschaft und Österreichische Postsparkasse AG v Verein für Konsumenteninformation", "25 January 2017 ( 1 )"]**: 25 January 2017 ( *1 ) Article 31 of that directive, entitled ‘Other provisions of Community legislation’, provides: ‘The provisions of this Title are without… - **["JUDGMENT OF THE COURT (Third Chamber)", "BAWAG PSK Bank für Arbeit und Wirtschaft und Österreichische Postsparkasse AG v Verein für Konsumenteninformation", "25 January 2017 ( 1 )"]**: 25 January 2017 ( *1 ) Article 43 of Directive 2007/64, entitled ‘Accessibility of information and conditions of the framework contract’, provides: ‘At any… - **["JUDGMENT OF THE COURT (Third Chamber)", "BAWAG PSK Bank für Arbeit und Wirtschaft und Österreichische Postsparkasse AG v Verein für Konsumenteninformation", "25 January 2017 ( 1 )"]**: 25 January 2017 ( *1 ) As regards, in the first place, the concept of a ‘durable medium’ in Article 41(1) of Directive 2007/64, that concept is defined in… - **["JUDGMENT OF THE COURT (Third Chamber)", "BAWAG PSK Bank für Arbeit und Wirtschaft und Österreichische Postsparkasse AG v Verein für Konsumenteninformation", "25 January 2017 ( 1 )"]**: 25 January 2017 ( *1 ) In accordance with the Austrian legislation, the Association has standing to bring proceedings for the purposes of protecting consumers’… - **["JUDGMENT OF THE COURT (Third Chamber)", "BAWAG PSK Bank für Arbeit und Wirtschaft und Österreichische Postsparkasse AG v Verein für Konsumenteninformation", "25 January 2017 ( 1 )"]**: 25 January 2017 ( *1 ) As regards, in the second place, the question in what situation changes to the information and conditions specified in Article 42 of… - **["JUDGMENT OF THE COURT (Third Chamber)", "BAWAG PSK Bank für Arbeit und Wirtschaft und Österreichische Postsparkasse AG v Verein für Konsumenteninformation", "25 January 2017 ( 1 )"]**: 25 January 2017 ( *1 ) As the Advocate General noted, in essence, in point 79 of his Opinion, the sending of a letter or email to the address regularly used by… - **["JUDGMENT OF THE COURT (Third Chamber)", "BAWAG PSK Bank für Arbeit und Wirtschaft und Österreichische Postsparkasse AG v Verein für Konsumenteninformation", "25 January 2017 ( 1 )"]**: 25 January 2017 ( *1 ) Paragraph 12 of the Law on e-commerce provides: ‘Electronic messages relating to the contract, other legally significant electronic… - **["JUDGMENT OF THE COURT (Third Chamber)", "BAWAG PSK Bank für Arbeit und Wirtschaft und Österreichische Postsparkasse AG v Verein für Konsumenteninformation", "25 January 2017 ( 1 )"]**: 25 January 2017 ( *1 ) This request for a preliminary ruling concerns the interpretation of Articles 36(1) and 41(1) of Directive 2007/64/EC of the European… - **["JUDGMENT OF THE COURT (Third Chamber)", "BAWAG PSK Bank für Arbeit und Wirtschaft und Österreichische Postsparkasse AG v Verein für Konsumenteninformation", "25 January 2017 ( 1 )"]**: ECG) (Law on e-commerce) of 2001 (BGBl. I, 152/2001; ‘the Law on e-commerce’) transposes Directive 2000/31 into Austrian law. - **["JUDGMENT OF THE COURT (Third Chamber)", "BAWAG PSK Bank für Arbeit und Wirtschaft und Österreichische Postsparkasse AG v Verein für Konsumenteninformation", "25 January 2017 ( 1 )"]**: Articles 41(1) and 44(1) of Directive 2007/64, read in conjunction with Article 4(25) of that directive, must be interpreted as meaning that changes to the… - **["JUDGMENT OF THE COURT (Third Chamber)", "BAWAG PSK Bank für Arbeit und Wirtschaft und Österreichische Postsparkasse AG v Verein für Konsumenteninformation", "25 January 2017 ( 1 )"]**: 25 January 2017 ( *1 ) Article 42 of the same directive, entitled ‘Information and conditions’, lists the information and conditions which must be provided to… - **["JUDGMENT OF THE COURT (Third Chamber)", "BAWAG PSK Bank für Arbeit und Wirtschaft und Österreichische Postsparkasse AG v Verein für Konsumenteninformation", "25 January 2017 ( 1 )"]**: 25 January 2017 ( *1 ) However, the information concerned which is transmitted by the payment service provider to the user of those services by means of an… - **["JUDGMENT OF THE COURT (Third Chamber)", "BAWAG PSK Bank für Arbeit und Wirtschaft und Österreichische Postsparkasse AG v Verein für Konsumenteninformation", "25 January 2017 ( 1 )"]**: 25 January 2017 ( *1 ) In Title III of Directive 2007/64, Chapter 3 thereof, entitled ‘Framework contracts’, includes, inter alia, Articles 40 to 43. - **["JUDGMENT OF THE COURT (Third Chamber)", "BAWAG PSK Bank für Arbeit und Wirtschaft und Österreichische Postsparkasse AG v Verein für Konsumenteninformation", "25 January 2017 ( 1 )"]**: 25 January 2017 ( *1 ) Taking the view that the outcome in the main proceedings depended on the interpretation of Directive 2007/64, the Oberster Gerichtshof… - **["JUDGMENT OF THE COURT (Third Chamber)", "BAWAG PSK Bank für Arbeit und Wirtschaft und Österreichische Postsparkasse AG v Verein für Konsumenteninformation", "25 January 2017 ( 1 )"]**: 25 January 2017 ( *1 ) Since these proceedings are, for the parties to the main proceedings, a step in the action pending before the national court, the… - **["JUDGMENT OF THE COURT (Third Chamber)", "BAWAG PSK Bank für Arbeit und Wirtschaft und Österreichische Postsparkasse AG v Verein für Konsumenteninformation", "25 January 2017 ( 1 )"]**: 25 January 2017 ( *1 ) That interpretation corresponds to the aims set out in recitals 21 and 22 of Directive 2007/64, namely: the protection of payment… - **["JUDGMENT OF THE COURT (Third Chamber)", "BAWAG PSK Bank für Arbeit und Wirtschaft und Österreichische Postsparkasse AG v Verein für Konsumenteninformation", "25 January 2017 ( 1 )"]**: 25 January 2017 ( *1 ) Under the heading ‘Transparency of conditions and information requirements for payment services’, Title III of that directive includes… - **["JUDGMENT OF THE COURT (Third Chamber)", "BAWAG PSK Bank für Arbeit und Wirtschaft und Österreichische Postsparkasse AG v Verein für Konsumenteninformation", "25 January 2017 ( 1 )"]**: 25 January 2017 ( *1 ) Article 41 of that directive, entitled ‘Prior general information’, is worded as follows: ‘1. Member States shall require that, in good… - **["JUDGMENT OF THE COURT (Third Chamber)", "BAWAG PSK Bank für Arbeit und Wirtschaft und Österreichische Postsparkasse AG v Verein für Konsumenteninformation", "25 January 2017 ( 1 )"]**: 25 January 2017 ( *1 ) By decision of 11 April 2014, the Oberlandesgericht Wien (Higher Regional Court, Vienna) varied in part the decision of the… - **["JUDGMENT OF THE COURT (Third Chamber)", "BAWAG PSK Bank für Arbeit und Wirtschaft und Österreichische Postsparkasse AG v Verein für Konsumenteninformation", "25 January 2017 ( 1 )"]**: 25 January 2017 ( *1 ) Furthermore, it is clear from the first subparagraph of Article 44(1) of Directive 2007/64 that any changes in the framework contract… - **["JUDGMENT OF THE COURT (Third Chamber)", "BAWAG PSK Bank für Arbeit und Wirtschaft und Österreichische Postsparkasse AG v Verein für Konsumenteninformation", "25 January 2017 ( 1 )"]**: 25 January 2017 ( *1 ) By its questions, which it is appropriate to examine together, the referring court asks, in essence, whether Articles 41(1) and 44(1) of… - **["JUDGMENT OF THE COURT (Third Chamber)", "BAWAG PSK Bank für Arbeit und Wirtschaft und Österreichische Postsparkasse AG v Verein für Konsumenteninformation", "25 January 2017 ( 1 )"]**: 25 January 2017 ( *1 ) ‘Framework contract’ is defined, for the purposes of Directive 2007/64, in Article 4(12) of that directive, as a payment service… - **["JUDGMENT OF THE COURT (Third Chamber)", "BAWAG PSK Bank für Arbeit und Wirtschaft und Österreichische Postsparkasse AG v Verein für Konsumenteninformation", "25 January 2017 ( 1 )"]**: 25 January 2017 ( *1 ) Referring, inter alia, to the definition of ‘durable medium’ contained in Article 3(m) of Directive 2008/48/EC of the European… - **["JUDGMENT OF THE COURT (Third Chamber)", "BAWAG PSK Bank für Arbeit und Wirtschaft und Österreichische Postsparkasse AG v Verein für Konsumenteninformation", "25 January 2017 ( 1 )"]**: 25 January 2017 ( *1 ) Paragraph 11 of the Law on e-commerce provides: ‘A service provider must make the contract clauses and the standard terms and conditions… - **["JUDGMENT OF THE COURT (Third Chamber)", "BAWAG PSK Bank für Arbeit und Wirtschaft und Österreichische Postsparkasse AG v Verein für Konsumenteninformation", "25 January 2017 ( 1 )"]**: 25 January 2017 ( *1 ) The Handelsgericht Wien (Commercial Court, Vienna) having, by decision of 31 October 2013, granted the Association’s application, BAWAG… - **["JUDGMENT OF THE COURT (Third Chamber)", "BAWAG PSK Bank für Arbeit und Wirtschaft und Österreichische Postsparkasse AG v Verein für Konsumenteninformation", "25 January 2017 ( 1 )"]**: 25 January 2017 ( *1 ) As the Advocate General pointed out at points 51 to 63 of his Opinion, and as was held in essence by the EFTA Court in its judgment of… - **["JUDGMENT OF THE COURT (Third Chamber)", "BAWAG PSK Bank für Arbeit und Wirtschaft und Österreichische Postsparkasse AG v Verein für Konsumenteninformation", "25 January 2017 ( 1 )"]**: 25 January 2017 ( *1 ) Under Article 40 of that directive, entitled ‘Scope’: ‘This Chapter applies to payment transactions covered by a framework contract.’ - **["JUDGMENT OF THE COURT (Third Chamber)", "BAWAG PSK Bank für Arbeit und Wirtschaft und Österreichische Postsparkasse AG v Verein für Konsumenteninformation", "25 January 2017 ( 1 )"]**: ZaDiG) (Law on payment services) of 2009 (BGBl. I, 66/2009; ‘the Law on payment services’) transposes Directive 2007/64 into Austrian law. - **["JUDGMENT OF THE COURT (Third Chamber)", "BAWAG PSK Bank für Arbeit und Wirtschaft und Österreichische Postsparkasse AG v Verein für Konsumenteninformation", "25 January 2017 ( 1 )"]**: 25 January 2017 ( *1 ) Under Paragraph 29(1) of that law: ‘The payment service provider must: (1) propose amendments to the framework contract to the payment… - **["JUDGMENT OF THE COURT (Third Chamber)", "BAWAG PSK Bank für Arbeit und Wirtschaft und Österreichische Postsparkasse AG v Verein für Konsumenteninformation", "25 January 2017 ( 1 )"]**: 25 January 2017 ( *1 ) The standard terms and conditions relating to the online banking website e-banking contain a term stating that ‘notices and statements… - **["JUDGMENT OF THE COURT (Third Chamber)", "BAWAG PSK Bank für Arbeit und Wirtschaft und Österreichische Postsparkasse AG v Verein für Konsumenteninformation", "25 January 2017 ( 1 )"]**: 25 January 2017 ( *1 ) The Association applied to the Handelsgericht Wien (Commercial Court, Vienna, Austria) for an injunction ordering BAWAG to cease using… - **["JUDGMENT OF THE COURT (Third Chamber)", "BAWAG PSK Bank für Arbeit und Wirtschaft und Österreichische Postsparkasse AG v Verein für Konsumenteninformation", "25 January 2017 ( 1 )"]**: 25 January 2017 ( *1 ) Article 36 of that directive, entitled ‘Prior general information’, provides: ‘1. Member States shall require that before the payment… - **["JUDGMENT OF THE COURT (Third Chamber)", "BAWAG PSK Bank für Arbeit und Wirtschaft und Österreichische Postsparkasse AG v Verein für Konsumenteninformation", "25 January 2017 ( 1 )"]**: 25 January 2017 ( *1 ) Under Article 41(1) of that directive, the Member States are to require that, in good time before the payment service user is bound by… - **["JUDGMENT OF THE COURT (Third Chamber)", "BAWAG PSK Bank für Arbeit und Wirtschaft und Österreichische Postsparkasse AG v Verein für Konsumenteninformation", "25 January 2017 ( 1 )"]**: 25 January 2017 ( *1 ) Article 4 of Directive 2007/64, entitled ‘Definitions’, provides: ‘For the purposes of this Directive, the following definitions shall… - **["JUDGMENT OF THE COURT (Third Chamber)", "BAWAG PSK Bank für Arbeit und Wirtschaft und Österreichische Postsparkasse AG v Verein für Konsumenteninformation", "25 January 2017 ( 1 )"]**: 25 January 2017 ( *1 ) It follows that, when Directive 2007/64 states that the information concerned is provided by the payment service provider to the payment… - **["JUDGMENT OF THE COURT (Third Chamber)", "BAWAG PSK Bank für Arbeit und Wirtschaft und Österreichische Postsparkasse AG v Verein für Konsumenteninformation", "25 January 2017 ( 1 )"]**: 25 January 2017 ( *1 ) In order to give a useful response to the questions referred, it is necessary to examine two requirements which are laid down by Article… - **["JUDGMENT OF THE COURT (Third Chamber)", "BAWAG PSK Bank für Arbeit und Wirtschaft und Österreichische Postsparkasse AG v Verein für Konsumenteninformation", "25 January 2017 ( 1 )"]**: 25 January 2017 ( *1 ) Access to that site is provided in accordance with a contract which is ancillary to the contract relating to the opening and operation… - **["JUDGMENT OF THE COURT (Third Chamber)", "BAWAG PSK Bank für Arbeit und Wirtschaft und Österreichische Postsparkasse AG v Verein für Konsumenteninformation", "25 January 2017 ( 1 )"]**: 25 January 2017 ( *1 ) It is for the referring court to determine whether, in the case in the main proceedings, the conditions specified in paragraph 44 above… - **["JUDGMENT OF THE COURT (Third Chamber)", "BAWAG PSK Bank für Arbeit und Wirtschaft und Österreichische Postsparkasse AG v Verein für Konsumenteninformation", "25 January 2017 ( 1 )"]**: 25 January 2017 ( *1 ) Article 44 of that Directive, entitled ‘Changes in conditions of the framework contract’, provides: ‘1. Any changes in the framework… - **["JUDGMENT OF THE COURT (Third Chamber)", "BAWAG PSK Bank für Arbeit und Wirtschaft und Österreichische Postsparkasse AG v Verein für Konsumenteninformation", "25 January 2017 ( 1 )"]**: 25 January 2017 ( *1 ) With regard, in particular, to paragraphs 40 to 42 above, that is the case when a website allows the payment service user to store… - **["JUDGMENT OF THE COURT (Third Chamber)", "BAWAG PSK Bank für Arbeit und Wirtschaft und Österreichische Postsparkasse AG v Verein für Konsumenteninformation", "25 January 2017 ( 1 )"]**: 25 January 2017 ( *1 ) It is for the referring court to determine whether, in light of all the circumstances of the case in the main proceedings, the changes… - **["JUDGMENT OF THE COURT (Third Chamber)", "BAWAG PSK Bank für Arbeit und Wirtschaft und Österreichische Postsparkasse AG v Verein für Konsumenteninformation", "25 January 2017 ( 1 )"]**: 25 January 2017 ( *1 ) According to the Association, those clauses were contrary to the provisions of the Law on payment services. - **["JUDGMENT OF THE COURT (Third Chamber)", "BAWAG PSK Bank für Arbeit und Wirtschaft und Österreichische Postsparkasse AG v Verein für Konsumenteninformation", "25 January 2017 ( 1 )"]**: 25 January 2017 ( *1 ) As a preliminary point, it should be borne in mind that Article 36(1) of Directive 2007/64 lays down a duty to provide prior general… - **["JUDGMENT OF THE COURT (Third Chamber)", "BAWAG PSK Bank für Arbeit und Wirtschaft und Österreichische Postsparkasse AG v Verein für Konsumenteninformation", "25 January 2017 ( 1 )"]**: 25 January 2017 ( *1 ) Paragraph 26 of the Law on payment services is worded as follows: ‘1. The payment service provider must in good time, before the payment… - **["JUDGMENT OF THE COURT (Third Chamber)", "BAWAG PSK Bank für Arbeit und Wirtschaft und Österreichische Postsparkasse AG v Verein für Konsumenteninformation", "25 January 2017 ( 1 )"]**: 25 January 2017 ( *1 ) Chapter 2 of Title III of Directive 2007/64 is entitled ‘Single payment transactions’. That chapter includes the provisions of, inter… - **["JUDGMENT OF THE COURT (Third Chamber)", "BAWAG PSK Bank für Arbeit und Wirtschaft und Österreichische Postsparkasse AG v Verein für Konsumenteninformation", "25 January 2017 ( 1 )"]**: 25 January 2017 ( *1 ) Article 37 of the same directive, entitled ‘Information and conditions’ lists, in paragraph 1, the information and conditions which must… - **["JUDGMENT OF THE COURT (Third Chamber)", "BAWAG PSK Bank für Arbeit und Wirtschaft und Österreichische Postsparkasse AG v Verein für Konsumenteninformation", "25 January 2017 ( 1 )"]**: 25 January 2017 ( *1 ) Article 30 of that directive, entitled ‘Scope’, provides: ‘1. This Title shall apply to single payment transactions, framework contracts… - **["JUDGMENT OF THE COURT (Third Chamber)", "BAWAG PSK Bank für Arbeit und Wirtschaft und Österreichische Postsparkasse AG v Verein für Konsumenteninformation", "25 January 2017 ( 1 )"]**: 25 January 2017 ( *1 ) BAWAG is a bank operating throughout the whole of Austria. In its relations with consumers, it uses standard terms and conditions… - **["JUDGMENT OF THE COURT (Third Chamber)", "BAWAG PSK Bank für Arbeit und Wirtschaft und Österreichische Postsparkasse AG v Verein für Konsumenteninformation", "25 January 2017 ( 1 )"]**: 25 January 2017 ( *1 ) Article 35 of that directive, entitled ‘Scope’, provides: ‘1. This Chapter shall apply to single payment transactions not covered by a… - **["JUDGMENT OF THE COURT (Third Chamber)", "BAWAG PSK Bank für Arbeit und Wirtschaft und Österreichische Postsparkasse AG v Verein für Konsumenteninformation", "25 January 2017 ( 1 )"]**: 25 January 2017 ( *1 ) It is clear from the order for reference that the messages sent to the electronic mailboxes assigned to the consumers, which are on the… - **["JUDGMENT OF THE COURT (Third Chamber)", "BAWAG PSK Bank für Arbeit und Wirtschaft und Österreichische Postsparkasse AG v Verein für Konsumenteninformation", "25 January 2017 ( 1 )"]**: 25 January 2017 ( *1 ) Directive 2002/65/EC of the European Parliament and the Council of 23 September 2002 concerning the distance marketing of consumer… - **["JUDGMENT OF THE COURT (Third Chamber)", "BAWAG PSK Bank für Arbeit und Wirtschaft und Österreichische Postsparkasse AG v Verein für Konsumenteninformation", "25 January 2017 ( 1 )"]**: 25 January 2017 ( *1 ) without notice. …’ - **["JUDGMENT OF THE COURT (Third Chamber)", "BAWAG PSK Bank für Arbeit und Wirtschaft und Österreichische Postsparkasse AG v Verein für Konsumenteninformation", "25 January 2017 ( 1 )"]**: 25 January 2017 ( *1 ) active behaviour on the part of the payment service provider. - **["JUDGMENT OF THE COURT (Third Chamber)", "BAWAG PSK Bank für Arbeit und Wirtschaft und Österreichische Postsparkasse AG v Verein für Konsumenteninformation", "25 January 2017 ( 1 )"]**: 25 January 2017 ( *1 ) in Internet banking all information on the payment account is made available online. … (27) … this Directive should distinguish between… --- Consilena is a software provider, not a law firm. 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