7.

This Regulation shall not apply to transfers of funds: where the payer withdraws cash from his or her own account; where there is a debit transfer authorisation between two parties permitting payments between them through accounts, provided that a unique identifier accompanies the transfer of funds, enabling the natural or legal person to be traced back; where truncated cheques are used; to public authorities for taxes, fines or other levies within a Member State; where both the payer and the payee are payment service providers acting on their own behalf.

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Source: EUR-Lex (Cellar) · retrieved 2026-10-30 · Text as adopted (Official Journal); later amendments are not incorporated in this text.