Local view for "http://purl.org/linkedpolitics/eu/plenary/2012-11-20-Speech-2-396-750"
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"en.20121120.28.2-396-750"2
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".
In today’s digital world, almost every citizen uses one form of payment. Even children now have their own accounts, and pension payments are made to the accounts of old-age pensioners; these people willingly or unwillingly also make use of non-cash payments. We should therefore appreciate the Commission’s initiative in its Green Paper ‘Towards an integrated European market for card, internet and mobile payments’. There are certainly many problems, but I shall mention at least those that most affect us, as customers of banking services. It is high time for us to unify payments for the use of cards. Whilst surcharges for the use of card payments are not allowed in some Member States, in other Member States excessive surcharges are to the detriment of consumers. Fees for cash withdrawals are different in each banking institution, and in many cases a fee is levied for looking at one’s account status. Today the real-time clearing and settlement system should not present financial institutions with a problem, but it does remain a problem. It has certainly happened to many of us, including me, that we send funds from one account to another within the same banking institution and the withdrawal is recorded instantly, whereas a deposit is not recorded until the next day, or even the day after that. An integrated European market for card, internet and mobile payments would certainly remove these problems, although it will not be soon."@en1
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