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2.

For the purposes of paragraph 1, the Member States shall have regard to the services that: are most commonly used by consumers in relation to their payment account; generate the highest cost for consumers, both overall as well as per unit. In order to ensure the sound application of the criteria set out in the first subparagraph of this paragraph, EBA shall issue guidelines pursuant to Article 16 of Regulation (EU) No 1093/2010 by 18 March 2015.

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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.