Local view for "http://purl.org/linkedpolitics/eu/plenary/2012-07-03-Speech-2-622-000"
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"en.20120703.24.2-622-000"2
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"Mr President, we all know that cash in our society is increasingly being replaced by electronic forms of payment and, of course, access to a basic bank account is then all the more important. Many things become a problem in our society if you do not have access to such an account. Receiving wages, pension payments, paying utility bills and the purchase of products or services all become very difficult if we cannot open a basic bank account. Access to such a payment service is of crucial importance, certainly for disadvantaged and highly mobile consumers and people who are today increasingly on the move between the various countries of the European Union.
For example, Erasmus students staying abroad, frontier workers and retired people working part-time in a different country are still too often denied such essential and basic payment services. I am therefore pleased that we and Parliament are increasing pressure on Member States. We are also advocating the option that any consumer who is not able to get a bank account in one Member State
have access to a bank account in the Member State where he or she resides or carries out a particular job.
I also think it is very important that, if Member States take no action, we work towards a binding European legislative proposal before January 2013. In that sense, Parliament would actually partly be following what the Belgian Government did some time ago and, as a result of which, we have had a legislative framework since 2003 that has helped more people gain access to use basic payment services.
The information that should be distributed about basic payment services is important. Gaining access to them should be a transparent process. We need to examine various systems, as the Commission has announced, but obviously basic banking services must also be comprehensive enough to be inclusive and capable of processing the most basic payments.
If we were to adopt a legislative framework, I would be pleased if both Member States and European bodies worked to ensure that this basic service is not abused. Access should be kept to as wide a segment of the population as possible, but a basic payment account obviously cannot compete unfairly with an ordinary banking service. I am therefore pleased that Member States will hopefully soon be required to provide everyone with access to these basic banking services."@en1
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