Regulations applicable to payments
All translations of legal norms into English published on CNB website are for information only and are not official translations of the Czech legislation.
Acts and related directly applicable EU regulations
- Act No. 370/2017 Coll. (external link) on Payment system
- Regulation (EU) 2021/1230 of the European Parliament and of the Council (external link) of 14 July 2021 on cross-border payments in the Union
- Commission Implementing Regulation (EU) 2019/410 of 29 November 2018 (external link) laying down implementing technical standards with regard to the details and structure of the information to be notified, in the field of payment services, by competent authorities to the European Banking Authority pursuant to Directive (EU) 2015/2366 of the European Parliament and of the Council
- Commission Delegated Regulation (EU) 2019/411 of 29 November 2018 (external link) supplementing Directive (EU) 2015/2366 of the European Parliament and of the Council with regard to regulatory technical standards setting technical requirements on development, operation and maintenance of the electronic central register within the field of payment services and on access to the information contained therein
- Commission Delegated Regulation (EU) 2018/389 of 27 November 2017 (external link) supplementing Directive (EU) 2015/2366 of the European Parliament and of the Council with regard to regulatory technical standards for strong customer authentication and common and secure open standards of communication, consolidated version (as of 25 July 2023)
- Commission Delegated Regulation (EU) 2022/2360 of 3 August 2022 (external link) amending the regulatory technical standards laid down in Delegated Regulation (EU) 2018/389 as regards the 90-day exemption for account access
- Commission Delegated Regulation (EU) 2018/389 of 3 August 2022 (external link) amending the regulatory technical standards laid down in Delegated Regulation (EU) 2018/389 as regards the 90-day exemption for account access
- Opinion of the European banking Authority of 18 February 2021 (external link) on supervisory actions to ensure the removal of obstacles to account access under PSD2
- Opinion of the European Banking Authority of 20 June 2020 (external link) on the obstacles under Article 32(3) of the RTS on SCA and CSC
- Opinion of the European Banking Authority of 16 October 2019 (external link) on the deadline for the migration to SCA for e-commerce card-based payment transactions
- Opinion of the European Banking Authority of 21 June 2019 (external link) on the elements of strong customer authentication under PSD2
- Opinion of the European Banking Authority of 10 December 2018 (external link) on the use of eIDAS certificates under the RTS on SCA and CSC
- Opinion of the European Banking Authority of 13 June 2018 (external link) on the implementation of the RTS on SCA and CSC
- Commission Delegated Regulation (EU) 2018/32 of 28 September 2017 (external link), supplementing Directive 2014/92/EU of the European Parliament and of the Council with regard to regulatory technical standards for the Union standardised terminology for most representative services linked to a payment account
- Commission Implementing Regulation (EU) 2018/33 of 28 September 2017 (external link) laying down implementing technical standards with regard to the standardised presentation format of the statement of fees and its common symbol according to Directive 2014/92/EU of the European Parliament and of the Council
- Commission Implementing Regulation (EU) 2018/34 of 28 September 2017 (external link) laying down implementing technical standards with regard to the standardised presentation format of the fee information document and its common symbol according to Directive 2014/92/EU of the European Parliament and of the Council
- Commission Delegated Regulation (EU) 2017/2055 of 23 June 2017 (external link) supplementing Directive (EU) 2015/2366 of the European Parliament and of the Council with regard to regulatory technical standards for the cooperation and exchange of information between competent authorities relating to the exercise of the right of establishment and the freedom to provide services of payment institutions
- Regulation (EU) No 2015/847 of the European Parliament and of the Council (external link) of 20 May 2015 on information accompanying transfers of funds and repealing Regulation (EC) No 1781/2006
- Regulation (EU) No 2015/751 of the European Parliament and of the Council (external link) of 29 April 2015 on interchange fees for card-based payment transactions
- Commission Delegated Regulation (EU) 2018/72 of 4 October 2017 (external link) supplementing Regulation (EU) 2015/751 of the European Parliament and of the Council on interchange fees for card-based payment transactions with regard to regulatory technical standards establishing the requirements to be complied with by payment card schemes and processing entities to ensure the application of independence requirements in terms of accounting, organisation and decision-making process
- Regulation (EU) No 260/2012 of the European Parliament and of the Council (external link) of 14 March 2012 establishing technical and business requirements for credit transfers and direct debits in euro and amending Regulation (EC) No 924/2009; consolidated version (as of 8 April 2024)
- Regulation (EU) No 248/2014 of the European Parliament and of the Council of 26 February 2014 (external link) amending Regulation (EU) No 260/2012 as regards the migration to Union-wide credit transfers and direct debits
- Regulation (EU) 2024/886 of the European Parliament and of the Council of 13 March 2024 (external link) amending Regulations (EU) No 260/2012 and (EU) 2021/1230 and Directives 98/26/EC and (EU) 2015/2366 as regards instant credit transfers in euro
Payment services legislation on the European Commission's web (external link)
E-money legislation on the European Commission's web (external link)
Payment services legislation on the European Central Bank’s web (external link)
Regulations regarding to cash and its handling them are listed on the site Regulations regarding banknotes and coins and in main menu "Banknotes and coins"
Decrees
- Decree No. 1/2022 Coll. of 19 December 2018 (pdf, 491 kB, available in Czech only) (as of 1 July 2022 – working material, comprehensive version)
- Decree No. 151/2022 Coll. of 2 June 2022 (pdf, 199 kB) amending Decree No. 1/2022 Coll. on applications and notifications to perform activities pursuant to the Payment System Act, and Decree No. 7/2018 Coll. on the pursuit of business of payment institutions, account information service providers, electronic money institutions, small-scale payment service providers and small-scale electronic money issuers as amended by Decree No. 2/2022 Coll.
- Decree No. 1/2022 Coll. of 22 December 2021 (pdf, 290 kB, applicable from 1 July 2022), on applications and notifications to perform activities pursuant to the Payment System Act
- Decree No. 401/2021 Coll. (pdf, 83 kB, available in Czech only), on certain reporting to the Czech National Bank in payments
- Decree No. 150/2019 Coll. of 13 June 2019 (pdf, 751 kB, available in Czech only) on reporting of major security or operational risks in payments
- Decree No. 141/2018 Coll. of 26 June 2018 (pdf, 700 kB, available in Czech only) (as of 1 January 2022 – working material, comprehensive version)
- Decree No. 485/2021 Coll. of 7 December 2021 (pdf, 11.4 MB, available in Czech only) amending Decree No. 141/2018 Coll., on reporting of major security or operational incidents by persons authorised to provide payment services
- Decree No. 141/2018 Coll. of 26 June 2018 (pdf, 9.3 MB, available in Czech only) on reporting of major security or operational incidents by persons authorised to provide payment services
- Decree No. 74/ 2018 Coll. of 25 April 2018 (pdf, 102 kB, available in Czech only) on services linked to payment account covered by the standardised terms
- Decree No. 14/2018 Coll. of 28 January 2018 (pdf, 102 kB, available in Czech only) on payment systems with irrevocability of transactions
- Decree No. 7/2018 Coll. of 19 December 2018 (pdf, 416 kB, as of 1 July 2022) (as of 1 July 2022 – working material, comprehensive version)
- Decree No. 151/2022 Coll. of 2 June 2022 (pdf, 199 kB) amending Decree No. 1/2022 Coll. on applications and notifications to perform activities pursuant to the Payment System Act, and Decree No. 7/2018 Coll. on the pursuit of business of payment institutions, account information service providers, electronic money institutions, small-scale payment service providers and small-scale electronic money issuers as amended by Decree No. 2/2022 Coll.
- Decree No. 2/2022 Coll. of 22 December 2022 (pdf, 1,3 MB) amending Decree No. 7/2018 Coll., on the pursuit of business of payment institutions, account information service providers, electronic money institutions, small-scale payment service providers and small-scale electronic money issuers
- Decree No. 7/2018 Coll. of 5 January 2018 (pdf, 268 kB) on the pursuit of business of payment institutions, account information service providers, electronic money institutions, small-scale payment service providers and small-scale electronic money issuers
- Decree No. 1/2018 Coll. of 19 December 2017 (pdf, 222 kB) on applications and notifications to perform activities pursuant to the Payment System Act
- Decree No. 454/2017 Coll. of 13 December 2017 (pdf, 179 kB, available in Czech only) on reporting by certain persons authorized to provide payment services
- Decree No. 169/2011 Coll. of 7 June 2011 (pdf, 38 kB) on the rules for the creation of account numbers for payments
Official Information
- Official Information of 20 December 2021 (pdf, 440 kB, available in Czech only)regarding major incidents reporting
- Official Information of 24 June 2020 (pdf, 260 kB, available in Czech only) regarding certain reporting under the act on payment system and Commission Regulation 2018/389
- Official Information of 12 September 2019 (pdf, 240 kB, available in Czech only) regarding operational and security risks reporting
EBA Guidelines
- Guidelines on the limited network exclusion under PSD2 (EBA/GL/2022/02, external link)
- Revised Guidelines on major incident reporting under PSD2 (EBA/GL/2021/03, external link)
- Guidelines on ICT and security risk management (EBA/GL/2019/04, external link)
- Guidelines on outsourcing arrangements (EBA/GL/2019/02, external link)
- Joint Committee Guidelines on complaints-handling for the securities (ESMA) and banking (EBA) sectors (JC 2018 35, external link)
- Guidelines on the conditions to be met to benefit from an exemption from contingency measures under Article 33(6) of Regulation (EU) 2018/389 (RTS on SCA & CSC) (EBA/GL/2018/07, external link)
- Guidelines on fraud reporting under the Payment Services Directive 2 (PSD2) (EBA/GL/2018/05, external link) as amended by EBA/GL/2020/01 (external link)
- Joint Guidelines under Article 25 of Regulation (EU) 2015/847 on the measures payment service providers should take to detect missing or incomplete information on the payer or the payee, and the procedures they should put in place to manage a transfer of funds lacking the required information (JC/GL/2017/16, external link)
- Guidelines on procedures for complaints of alleged infringements of Directive (EU) 2015/2366 (PSD2) (EBA/GL/2017/13, external link)
- Guidelines on the information to be provided for the authorisation of payment institutions and e-money institutions and for the registration of account information service providers(EBA/GL/2017/09, external link)
- Guidelines on the criteria on how to stipulate the minimum monetary amount of the professional indemnity insurance or other comparable guaranteeunder Article 5(4) of Directive (EU) 2015/2366 (PSD2) (EBA/GL/2017/08, external link)
- Guidelines on product oversight and governance arrangements for retail banking products (EBA/GL/2015/18, external link)
Announcements and recommendations
- CNB opinions on financial market regulations
- Methodology for assessing applications for authorisation under the Payment System Act (pdf, 1 MB, available in Czech only)
- Notification of the operator of a limited network or the issuer of a payment instrument within a limited network under Article 3 (3) (c) item 4 of Act No. 370/2017 Coll., the Payment System Act (docx, 62 kB)
- European Commission Leaflet (external link) informing consumers about their rights when making payments in Europe
- Joint recommendation of the CNB and the Czech Banking Association Entering of Variable, Constant and Specific Codes for Payments from Abroad to the Czech Republic (pdf, 23 kB)
- Other (available in Czech only)