No. Prices of credit transfers vary depending on the payment service provider’s price list. The principle of equality of charges only applies to similar transactions executed by the same provider. This means that, provided that the customer indicates the IBAN for the payee’s payment account, domiciled in a SEPA country, charges on cross-border credit transfers cannot exceed those that the same payment service provider applies to domestic credit transfers.

Rules on charges for consumers on cross-border transfers within the EU are laid down in Regulation (EC) No 924/2009 of the European Parliament and of the Council, of 16 September 2009, on cross-border payments in euro, Swedish kronor or Romanian lei, in the following countries:

• the 27 EU Member States: Belgium, Germany, Greece, Spain, France, Ireland, Italy, Luxembourg, the Netherlands, Austria, Portugal, Finland, Slovenia, Cyprus, Malta, Slovakia, Estonia, Czech Republic, Denmark, Latvia, Lithuania, Hungary, Poland, Sweden, Bulgaria, Romania and Croatia;
• Iceland, Norway and Liechtenstein (countries that form the European Economic Area, together with the countries listed in the previous subparagraph);
• Andorra, Monaco, San Marino, Switzerland, United Kingdom and Vatican.