6 Amendments of Konstantinos POUPAKIS related to 2012/2055(INI)
Amendment 5 #
Draft opinion
Recital C a (new)
Recital C a (new)
(Ca) whereas entitlement to access to a basic payment account must not be made subject to the purchase of additional banking services and products;
Amendment 32 #
Draft opinion
Recommendation 2 – paragraph 2
Recommendation 2 – paragraph 2
Member States should ensure that all banks with private customers are obliged to offer basic payment accounts without any obligation to purchase additional banking services and products, so as to avoid discrimination and unfair competition among banks, except where specific arrangements are in force in a Member State.
Amendment 54 #
Draft opinion
Recommendation 3 – paragraph 3
Recommendation 3 – paragraph 3
Member States should ensure that basic payment accounts are provided either free of charge or at a reasonable cost. Member States must take particular care to ensure that services connected with access to a basic payment account are offered free of charge to consumers with low incomes or facing personal bankruptcy.
Amendment 59 #
Draft opinion
Recommendation 3 – paragraph 3 a (new)
Recommendation 3 – paragraph 3 a (new)
Each Member State must also determine what constitutes a reasonable charge in the light of criteria such as national income levels and average payment account charges or the total cost of providing basic payment accounts.
Amendment 63 #
Draft opinion
Recommendation 3 – paragraph 5
Recommendation 3 – paragraph 5
Many basic payment accounts are nowadays exclusively internet based, a fact which makes them ideal for e-commerce but also excludes part of the population, especially those who have no Internet access or older people. Given that consumers in these categories could be placed at a disadvantage, the aim should be to make the projected basic payment account user friendly, simple, and secure. Furthermore, management of such accounts must be made possible not only through online, SMS and other existing remote banking procedures but also at local bank branches.
Amendment 74 #
Draft opinion
Recommendation 3 – paragraph 10
Recommendation 3 – paragraph 10
Member States should launch information campaigns on the concept of basic payment accounts in order to increase consumer understanding of the right of access to such accounts and of the ways of using out-of- court complaint and dispute settlement procedures. IDrawing attention to the advantages of using a basic payment account and imparting financial knowledge is aare matters of crucial importance, since ithey strengthens the consumers’ position and enables them to integrate into the single market.