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Directive PSD

Dear Customers,

BNP Paribas Bank Polska SA has fully adjusted its operations related to payment services to the provisions of the Payments Services Act dated 19 August 2011 (Journal of Laws of 2011, no.199 item 1175). It implements Directive 2007/64/EC of the European Parliament and of the Council on payment services in the internal market (Payment Services Directive, PSD), dated 13 November 2007. The Payments Services Act becomes effective on 24 October 2012.

The PSD governs information duties, rights and obligations regarding the use of payment services, and the rules of executing payment transactions within a given country and between Member States of the European Union or the European Free Trade Association (EFTA) - parties to the Agreement on the European Economic Area. PSD transactions are the transactions made both in EUR and currencies binding in the Member States, including Polish zlotys, and as regards the issuance and use of electronic payment instruments - transactions in any currency. The Directive does not apply to foreign currency transactions made between the countries that are not members of the aforesaid organisations.

To meet our Customers' expectations and also to ensure coherent and modern legal framework for payment services on the European market, BNP Paribas introduces, among others, the following changes:

  • standardisation of the rules of collecting fees and commissions for transfers made or received in foreign currencies in transactions with Member States of the European Union and the European Free Trade Association (EFTA) – parties to the Agreement on the European Economic Area: the payer shall cover only the fees and commissions due to the sending bank, while the payee shall cover the costs of the payee's bank and of the intermediary banks that participate in the transfer execution.
  • increase of the freedom to administer funds deposited on an account through the following:
    • extension of the hours within which the Bank books all the incoming and outgoing transfers during a given day,
    • prolongation of the execution date of deferred transfers or standing orders falling on a holiday, to the first business day following that holiday. To date, such transfers have been executed on the day preceding the holiday.
  • facilitation of the communication process – the Bank will notify about a refusal to carry out an instruction by sending electronic correspondence to an email address indicated, and also by a text message (SMS).
  • more flexible internal procedures of the Bank, including for example:
    • introduction of a rule to post transfers received from another bank first in the Customer's account maintained in the same currency as the incoming transfer currency, and if the Customer has no account in the same currency, in the account indicated on the transfer,
    • prolongation of a period for Customers to make instructions to reimburse the direct debits executed, from 30 to 56 days.

Further to the changes resulting from the Payments Services Act dated 19 August 2011 (Journal of Laws of 2011, No. 199 item 1175), the Bank has revised the following Regulations and Tables of Commissions and Fees which will become effective on 24 October 2012:

The full contents of the amended Regulations and Tables of Commissions and Fees will be available effective 10 October 2012 at the Bank's website at and in the Bank's branches.

For detailed information regarding the amendments introduced, please contact Relationship Managers in a branch, call our Call Centre at 801 322 322 or visit our website at

Should you refuse to accept the new terms and conditions specified in the documents indicated above, you have the right to terminate the Account Agreement within 14 days of the date of receipt of this letter.

Bank BGŻ BNP Paribas Spółka Akcyjna z siedzibą w Warszawie przy ul. Kasprzaka 10/16, 01-211 Warszawa, zarejestrowany w rejestrze przedsiębiorców Krajowego Rejestru Sądowego przez Sąd Rejonowy dla m. st. Warszawy w Warszawie, XII Wydział Gospodarczy Krajowego Rejestru Sądowego pod nr KRS 0000011571, posiadający NIP 526-10-08-546 oraz kapitał zakładowy w wysokości 84 238 318 zł w całości wpłacony.