Payments, transfers and cheques

Your bank must charge you the same rate for payments in euro across the EU as it does for equivalent national transactions.

This includes any:

  • transfers between bank accounts in different EU countries
  • withdrawals from cash machines/ATMs in EU countries
  • payments by debit or credit card across the EU
  • direct debit transactions

Banks based in EU countries outside the euro area must also apply this rule, and may not charge more for a payment in euros to/within another EU country than they do for a domestic payment in the national currency.
The Your Europe Portal provides comprehensive information for citizens and businesses.

Financial products and services

Your Europe Portal (European Commission)