Yes. Payment service providers may charge fees for transferring money through 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 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.

Third-party providers may not charge their customers fees for transactions made through their payment apps that do not exceed the following limits:

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

For instance, a customer can make 25 transfers of €6 each or five transfers of €30 each free of charge through these payment apps every month.

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.