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Directive 2014/92/EU of the European Parliament and of the Council of 23 July 2014 on the comparability of fees related to payment accounts, payment account switching and access to payment accounts with basic features Text with EEA relevance · European Union

The credit institution may unilaterally terminate a framework contract only where at least one of the following conditions is met: the consumer deliberately used the payment account for illegal purposes; there has been no transaction on the payment account for more than 24 consecutive months; the consumer provided incorrect information in order to obtain the payment account with basic features where the correct information would have resulted in the absence of such a right; the consumer is no longer legally resident in the Union; the consumer has subsequently opened a second payment account which allows him to make use of the services listed in Article 17(1) in the Member State where he already holds a payment account with basic features.

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Source: EUR-Lex (Cellar) · retrieved 2026-10-29 · Text as adopted (Official Journal); later amendments are not incorporated in this text.