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Payment service providers may charge fees for transferring money through payment applications (payment apps). The fees charged may vary depending on whether the payment app is operated by the customer’s payment service provider or by third-party providers.

Payment app operated by the customer’s payment service provider

Payment service providers freely set the cost of transactions made through their payment apps and they may also set exemptions on these transactions.

Fees charged for transactions in these payment apps must be included in the price lists of payment service providers. These price lists are available at all branches, customer assistance points and websites of payment service providers, as well as on this website, via the price list feature.

Payment app operated by third-party providers

In the case of transactions made by consumers through payment apps operated by third-party providers, the Law sets out rules on the fees that can be charged for these transactions.

Payment service providers may not charge fees for transfers that do not exceed the following limits:

€30 per transaction; or
€150 transferred via the app within a period of one month; or
25 transfers within a period of one month.

This means that, for instance, a customer can make 25 transfers of €6 each or 5 transfers of €30 each free of charge through these payment apps every month.

Customers who hold a basic bank account may make, free of charge, five more transfers not exceeding €30 per transaction every month through payment apps operated by third-party providers.

If one of the limits above is exceeded, the payment service provider may charge a fee up to:

0.2% of the transaction amount for debit card-based transactions;
0.3% of the transaction amount for credit card-based transactions.

For instance, if a customer transfers €31, a fee may be charged.

Examples of fees charged for a transfer made using the MB WAY app:

Transaction amount	Debit card (maximum amount)	Credit card (maximum amount)
€ 50	€ 0,10	€ 0,15
€ 500	€ 1,00	€ 1,50

Payment service providers may set exemptions or charge fees below the established legal limits.

Payments Payment applications

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Payment app operated by the customer’s payment service provider

Payment app operated by third-party providers