Article 6 — Measures for facilitating the automation of payments

1. The payment service provider shall, where applicable, communicate to the payment service user the payment service user’s international payment account number identifier (IBAN) and the payment service provider’s business identifier code (BIC). In addition, where applicable, the payment service provider shall indicate the payment service user’s IBAN and the payment service provider’s BIC on statements of account or in an annex thereto. The payment service provider shall provide the information required under this paragraph to the payment service user free of charge. 2. The payment service provider may levy charges additional to those levied in accordance with Article 3(1) on the payment service user where that user instructs the payment service provider to execute a cross-border payment without communicating the IBAN and, where appropriate and in accordance with Regulation (EU) No 260/2012 of the European Parliament and of the Council (11), the related BIC for the payment account in the other Member State. Those charges shall be appropriate and in line with the costs. They shall be agreed between the payment service provider and the payment service user. The payment service provider shall inform the payment service user of the amount of the additional charges in good time before the payment service user is bound by such an agreement. 3. Where appropriate, with regard to the nature of the payment transaction concerned, for all invoicing of goods and services in the Union, a supplier of goods and services that accepts payments covered by this Regulation shall communicate its IBAN and the BIC of its payment service provider to its customers.

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Source: EUR-Lex CELLAR · retrieved 2026-08-27