DECISION ON THE MANNER OF OPENING TRANSACTION ACCOUNTS. (Official Gazette 3/2011, 35/2011, 50/2011, 89/2011, 101/2011 and 135/2011)
|
|
|
- Posy Page
- 8 years ago
- Views:
Transcription
1 DECISION ON THE MANNER OF OPENING TRANSACTION ACCOUNTS (Official Gazette 3/2011, 35/2011, 50/2011, 89/2011, 101/2011 and 135/2011)
2 Pursuant to Article 58, paragraphs (3) and (4), Article 60, paragraph (3) and Article 62, paragraph (4) of the Payment System Act (Official Gazette 133/2009) and Article 43, paragraph 2, item 9 of the Croatian National Bank Act (Official Gazette 75/2008), the Governor of the Croatian National Bank hereby issues the Decision on the manner of opening transaction accounts I GENERAL PROVISIONS Article 1 (1) This Decision governs the manner of opening transaction accounts and additional information in the register of transaction accounts with credit institutions. (2) The credit institutions referred to in paragraph (1) of this Article shall include: 1) credit institutions having their registered office in the Republic of Croatia; 2) branches of credit institutions from another Member State having their registered office in the Republic of Croatia; and 3) branches of third-country credit institutions having their registered office in the Republic of Croatia. (3) All provisions of this Decision applying to credit institutions shall also apply to the Croatian National Bank. A transaction account is: Article 2 1) a current account or a giro account opened and maintained by a credit institution on behalf of one or several payment service users and used for the execution of payment transactions; and 2) an account maintained by a credit institution for the purpose of executing payment transactions on its own behalf. II MANNER OF OPENING TRANSACTION ACCOUNTS Article 3 (1) A credit institution shall open the transaction account referred to in Article 2, item 1) of this Decision on the basis of a framework contract concluded with a payment 2
3 service user, governing the terms and conditions of opening and maintaining a transaction account or pursuant to regulations. (2) When opening the transaction account referred to in paragraph (1) of this Article, a credit institution shall establish the identity of the payment service user and carry out other procedures in accordance with the regulation governing the prevention of money laundering and terrorist financing. (3) When opening a transaction account, a credit institution shall obtain all data required to be provided for that transaction account pursuant to the regulation governing the content of the unified register of accounts in the Republic of Croatia. Article 4 A transaction account opened in accordance with the structure laid down in this Decision may be used as a unique identifier in terms of the provisions of the Payment System Act. Article 5 (1) A credit institution shall open a transaction account in accordance with the structure comprising seventeen numerical characters. The numerical characters to be used shall be Arabic numerals. (2) The structure of the transaction account referred to in paragraph (1) of this Article shall consist of two parts, i.e.: 1) part one -a credit institution's account number; and 2) part two - the number of a transaction account with a credit institution. Article 6 (1)Part one of a transaction account shall be the account number assigned by the Croatian National Bank. (2) A credit institution's account number shall consist of seven numerical characters (n1, n2, n3, n4, n5, n6 and n7), of which: 1) the first six numerical characters (n1, n2, n3, n4, n5 and n6) shall represent the credit institution's unique code; and 2) the last numerical character (n7) shall be the check number calculated, for the sequence of the first six numerical characters (n1, n2, n3, n4, n5 and n6), pursuant to the Croatian standard HRN ISO/IEC 7064 MOD (11, 10). (3) A credit institution's account number shall be entered in a sequence without spaces and special signs like hyphens, slashes, periods, etc. 3
4 Article 7 (1) Part two of a transaction account shall be the number of a transaction account with a credit institution. (2) The transaction account number shall consist of ten numerical characters (n1, n2, n3, n4, n5, n6, n7, n8, n9 and n10). (3) The first numerical character (n1) in the account number shall represent the transaction account holder, in particular: 1) the numerical character "1" - for a transaction account opened by a credit institution on behalf of a payment service user that, in terms of a framework contract or a regulation underlying the opening of the transaction account, acts within the scope of his/her business or other activity or freelance occupation, a public authority body, a government administration body, a unit of local self-government and a unit or regional self-government (hereinafter: a transaction account of a business entity), as well as for accounts maintained by a credit institution with itself for the purpose of executing payment transactions on its own behalf; 2) the numerical character "3" - for a transaction account opened by a credit institution on the basis of a framework contract with a natural person who, in terms of this contracts, acts outside the scope of his/her business activity or freelance occupation (hereinafter: a transaction account of a consumer). (4) The second character (n2) in the transaction account number shall represent the account purpose. (5) The account purpose codes for the transaction account of a business entity (the transaction account holder designations "1") shall be the following: 1) the numerical character "0" - for accounts maintained by the credit institution for the purpose of executing payment transactions on its own behalf; 2) the numerical characters "1", "3", "4" and "5" - for business purpose accounts; 3) the numerical character "7" - for specific-purpose accounts used to collect joint budget revenues; 4) the numerical character "8" - for budgetary accounts; 5) the numerical character "9" - for accounts opened on behalf of credit institutions or other payment service providers, through which the payment service providers execute payment transactions, or through which payment transactions executed on behalf of a payment service provider through a payment system are settled; (6) The account purpose codes for the transaction account of a consumer (the transaction account holder designations "3" shall be the following: 1) the numerical character "1" - for a giro account; 2) the numerical character "2" - for a current account; 3) the numerical character "5" - for a specific-purpose account. 4
5 (7) The sequence of seven numerical characters (n3, n5, n6, n7, n8 and n9) in the transaction account number shall be the ordinal number of the transaction account determined by a credit institution. (8) The last numerical character (n10) in the transaction account number shall be the check number calculated, for the sequence of the first nine numerical characters (n1, n2, n3, n4, n5, n6, n7, n8 and n9) in the transaction account number, pursuant to the Croatian standard HRN ISO/IEC 7064 MOD (11, 10). (9) The transaction account number shall be entered in a sequence without spaces and special signs like hyphens, slashes, dots, etc. Article 8 (1) A credit institution shall, for the transaction account referred to in Article 7, paragraph (5), items 2) and 5) and paragraph (6) of this Decisison, apart from the data required under the Payment System Act, keep the following information in the register of transaction accounts: 1) whether the transaction account has been opened on behalf of one or several payment service users; 2) whether the transaction account has been opened on behalf of a resident and/or a non-resident payment service user; 3) the country code of the country in which a non-resident payment service user on whose behalf the transaction account has been opened in accordance with the State and Country Code List given in Annex 1 to this Decision; 4) a three-letter code of the currency (monetary unit) in which funds are recorded in the transaction account in accordance with the framework contract, pursuant to the List of Currencies and Currency Codes given in Annex 2 to this Decision, or the information that funds can be recorded in that account in several different currencies (a multicurrency account). (2) A credit institution shall, for the transaction accounts referred to in Article 7, paragraph (5), items 1), 3) and 4) of this Decision, keep the data referred to in paragraph (1), item 4) of this Article in the register of transaction accounts. III IBAN Article 9 Transaction accounts used for the execution of international and cross-border payment transactions shall be opened in accordance with the IBAN (International Bank Account Number) structure which complies with ISO 13616, where the BBAN (Basic Bank 5
6 Account Number) represents the number of a transaction account opened in accordance with Article 5 of this Decision. Article 10 (1) A credit institution shall notify the payment service user on whose behalf a transaction account has been opened of the IBAN structure of his/her transaction account and of its BIC. (2) The BIC (Business Identifier Code) referred to in paragraph (1) of this Article shall be the unique business identifier of a credit institution, determined in accordance with ISO Article 11 (1) When a payee's account set out in an order initiating a cross-border or international payment transaction complies with the international standard of the IBAN structure referred to in Article 9, paragraph (1) of this Decision, a credit institution shall verify the correctness of the structure and accuracy of the check numbers in the IBAN structure of the payee indicated in the payment order. (2) The IBAN structure of a transaction account in an electronic payment order may contain no empty fields or other characters. (3) In a paper-based payment order, the IBAN structure of a transaction account shall be entered in the way that each of the four characters is delimited by an empty field. IV MERGERS AND ACQUISITIONS OF CREDIT INSTITUTIONS Article 12 (1) In the case of a merger of two or more credit institutions, the transaction accounts opened by the merged credit institutions on behalf of payment service users may be used for no longer than a year from the completion of the merger. (2) In the case of an acquisition of one credit institution by another, the transaction accounts opened by the acquired credit institution can be used for no longer than a year from the completion of the acquisition. 6
7 V TRANSITIONAL AND FINAL PROVISIONS Article 13 (1) As of 1 June 2012, credit institutions may also allow the use of the IBAN structure of transaction accounts for the execution of national payment transactions, and may open new transaction accounts pursuant to Article 9 of this Decision in accordance with the IBAN structure also for the execution of national payment transactions. (2) From the moment when a credit institution, in accordance with paragraph (1) of this Article, allows the use of the IBAN structure of a transaction account opened pursuant to Article 5 of this Decision also for the execution of national payment transactions, this transaction account shall be deemed to be opened pursuant to Article 9 of this Decision in accordance with the IBAN structure. (3) As of 1 June 2013, the IBAN structure of transaction accounts shall be used for the execution of all payment transactions, and credit institutions shall open transaction accounts pursuant to Article 9 of this Decision in accordance with the IBAN structure. (4) If a payee's credit institution executes a payment transaction in which the payee's transaction account is indicated pursuant to Article 5 of this Decision, and the credit institution has allowed the use of the IBAN structure for that transaction account pursuant to paragraph (1) of this Article, the payee's credit institution shall process that payment transaction as if the payee's transaction account were indicated in accordance with the IBAN structure. (5) A credit institution shall receive payment orders in which a payee's transaction account is indicated in accordance with Article 5 of this Decision, communicate the information on the transaction account thus opened to the payee's credit institution, and shall carry out the processing pursuant to paragraph (4) of this Article until 1 June (6) Credit institutions shall inform payment service users, in a timely and appropriate manner, about the use of the IBAN structure of transaction accounts in accordance with the provisions of this Decision. (7) Credit institutions shall bring the structure of transaction accounts opened on behalf of non-residents into line with the provisions of this Decision no later than 31 May Article 14 As of the date of entry into force of this Decision, the Decision on the Structure of an Account with a Bank, Bank Account Number, Terms and Methods of Opening an Account with a Bank and the Content of the Register of Business Entities Accounts 7
8 with a Bank (Official Gazette 150/2002, 115/2003, 162/2004, 189/2004 and 141/2009) and the Decision on the Structure and Use of the International Bank Account Number (IBAN) (Official Gazette 162/2004) shall cease to have effect. Article 15 This Decision shall enter into force on the date of its publication in the Official Gazette, with the exception of Article 1, paragraph (2), item 2) that shall enter into force on the date of accession of the Republic of Croatia to the European Union. No.: 1-020/01-11/ŽR Zagreb, 3 January 2011 Croatian National Bank Governor Željko Rohatinski 8
(Official Gazette 150/2002, 115/2003, 162/2004 and 189/2004)
(Official Gazette 150/2002, 115/2003, 162/2004 and 189/2004) - Unofficial amended text - Pursuant to Article 39 paragraph 2 item i) of the Croatian National Bank Act (Official Gazette 36/2001) and Article
DECISION on the Croatian Large Value Payment System and on the Settlement in Bank Accounts Held with the Croatian National Bank.
Pursuant to Article 38 paragraph 3 under m) of the Croatian National Bank Act (official gazette Narodne novine, No. 36/2001) and Article 44 paragraph 1 items 7 and 8 of the National Payment System Act
Decision on outsourcing. Article 1
Pursuant to Article 166 of the Credit Institutions Act (Official Gazette 117/2008), and Article 29 and Article 43, paragraph (2), item (9) of the Croatian National Bank Act (Official Gazette 75/2008),
Regulation on Bank Account Standard Numbering System
Pursuant to Article 35, paragraph 1, sub-paragraph 1.1 of the Law no. 03 / L-209 on the Central Bank of the Republic of Kosovo, and Article 8, paragraph 1, sub-paragraph 1.1, paragraph 2, sub-paragraph
DECISION PROMULGATING THE PAYMENT SYSTEM ACT
THE CROATIAN PARLIAMENT 3247 Pursuant to Article 88 of the Constitution of the Republic of Croatia, I hereby issue the DECISION PROMULGATING THE PAYMENT SYSTEM ACT I hereby promulgate the Payment System
THE CROATIAN PARLIAMENT. Pursuant to Article 89 of the Constitution of the Republic of Croatia, I hereby issue the DECISION
THE CROATIAN PARLIAMENT 1456 Pursuant to Article 89 of the Constitution of the Republic of Croatia, I hereby issue the DECISION PROMULGATING THE ACT ON SETTLEMENT FINALITY IN PAYMENT AND FINANCIAL INSTRUMENTS
DECISION on own funds of credit institutions. Subject matter Article 1
Pursuant to Article 161, paragraph (1), item (1) of the Credit Institutions Act (Official Gazette 117/2008) and Article 43, paragraph (2), item (9) of the Act on the Croatian National Bank (Official Gazette
Decision on adequate information system management. (Official Gazette 37/2010)
Decision on adequate information system management (Official Gazette 37/2010) Pursuant to Article 161, paragraph (1), item (3) of the Credit Institutions Act (Official Gazette 117/2008, 74/2009 and 153/2009)
DECISION on the Work Schedule for Settlement/Clearing through the Interbank Payment Systems. Article 1
(Official Gazette 50/2002 and 38/2005) - unofficial amended text - Pursuant to Article 39 paragraph 2 item i) of the Croatian National Bank Act (Official Gazette 36/2001) and Article 44 paragraph 1 item
OPERATING RULES FOR INTERBANK CLEARING OF PAYMENTS IN FOREIGN EXCHANGE
Pursuant to Section 4, paragraph 1 of the Decision on Interbank Clearing of Payments in Foreign Exchange (''RS Official Gazette'', No. 31/2007 and 93/2007), the Governor of the National Bank of Serbia
NATIONAL PAYMENT SYSTEM ACT
(official gazette Narodne novine, No. 117/2001) NATIONAL PAYMENT SYSTEM ACT I GENERAL PROVISIONS Article 1 This Act shall regulate the functioning of the national payment system. Article 2 "Payment system"
The Czech National Bank s Terms and Conditions for Maintaining Current Accounts in Czech Korunas for International Institutions
Annex to the Account Agreement The Czech National Bank s Terms and Conditions for Maintaining Current Accounts in Czech Korunas for International Institutions 1. The Czech National Bank (hereinafter referred
NATIONAL BANK OF ROMANIA
NATIONAL BANK OF ROMANIA Unofficial translation Regulation regarding the usage of the IBAN codes in Romania Having regard to the provisions of Article 2, paragraph (2) and Article 23 of the Law no. 101/1998
GUIDELINES for the analysis and assessment of money laundering and terrorist financing risks for credit institutions and credit unions
Pursuant to Article 88 of the Anti Money Laundering and Terrorist Financing Law (Official Gazette 87/2008) and Article 43, paragraph 2, item 9 of the Act on the Croatian National Bank (Official Gazette
PAYMENT SERVICES AND SYSTEMS ACT (ZPlaSS) CHAPTER 1 GENERAL PROVISIONS SUBCHAPTER 1 CONTENT OF THE ACT. Article 1. (scope)
Legal notice All effort has been made to ensure the accuracy of this translation, which is based on the original Slovenian text. All translations of this kind may, nevertheless, be subject to a certain
(11) Type of the reporting entity; (12) Form type; (13) Number of employees as at the end of the month.
Pursuant to Article 17, Section 4 and Article 68 of the Law on the National Bank of Serbia (»Official Gazette of the Republic of Serbia«No. 72/2003) the Governor of the National Bank of Serbia hereby issues
THE CROATIAN PARLIAMENT DECISION PROMULGATING THE ACT ON INVESTMENT FUNDS WITH A PUBLIC OFFERING
THE CROATIAN PARLIAMENT Pursuant to Article 89 of the Constitution of the Republic of Croatia, I hereby pass the DECISION PROMULGATING THE ACT ON INVESTMENT FUNDS WITH A PUBLIC OFFERING I hereby promulgate
Decree No. 18/2009 (VIII. 6.) MNB of the Governor of the National Bank of Hungary. on Payment Services Activities CHAPTER I GENERAL PROVISIONS.
Decree No. 18/2009 (VIII. 6.) MNB of the Governor of the National Bank of Hungary on Payment Services Activities Pursuant to the authorization conferred under Paragraph a) of Subsection (2) of Section
DECISION. Single Registry of Legal Entities Transaction Accounts in. Bosnia and Herzegovina. Article 1
Herein we put out of force the revised text of the Decision on the Single Registry of Transaction Accounts in Bosnia and Herzegovina, 101-977/10 as of May 27, 2010 (published in Offical Gazette of BH,
3b. When transferring means of payment, as defined hereunder, banks shall take actions and measures envisaged by anti-money laundering regulations.
"RS Official Gazette", Nos. 67/2006, 52/2008 and 18/2009 Pursuant to Article 31 of the Law on Foreign Exchange Transactions ( RS Official Gazette, No. 62/2006), the Governor of the National Bank of Serbia
Rules for the Issuance and Administration of the Directory of Payment System Participants in the Czech Republic (CPS)
Rules for the Issuance and Administration of the Directory of Payment System Participants in the Czech Republic (CPS) Article I Basic provisions 1. Having regard to its statutory duty to manage the payment
CROSS-BORDER MERGERS OF LIMITED LIABILITY COMPANIES
1 CROSS-BORDER MERGERS OF LIMITED LIABILITY COMPANIES Law 2 of 186(I) of 2007 has introduced new provisions to the Cyprus Companies Law, Cap. 113 in consistency to the provisions of Directive 2005/56/EC
REPUBLIC OF SLOVENIA THE LAW ON THE FINANCING OF MUNICIPALITIES
REPUBLIC OF SLOVENIA THE LAW ON THE FINANCING OF MUNICIPALITIES THE LAW ON THE FINANCING OF MUNICIPALITIES (Official Gazette of the Republic of Slovenia, no. 80/94, 56/98, Decisions of the Constitutional
The Czech National Bank s Terms and Conditions for Maintaining Current Accounts in Czech Korunas for Foreign Financial Institutions of 30. 4.
The Czech National Bank s Terms and Conditions for Maintaining Current Accounts in Czech Korunas for Foreign Financial Institutions of 30. 4. 2004 1. The Czech National Bank (hereinafter referred to as
Intra-day payment Frequently asked questions
Intra-day payment Frequently asked questions Contents 1. THE MEANING, advantages and scope of intra-day payment... 3 1.1. What does the launch of intra-day payment mean?... 3 1.2. What advantages does
Intraday credit transfer: Frequently Asked Questions and Definitions. Bank customers enjoy significant advantages
Intraday credit transfer: Frequently Asked Questions and Definitions Bank customers enjoy significant advantages Following 1 July 2012 the execution time of domestic HUF credit transfers will be one business
ORDINANCE ON THE ORGANISATION AND MANAGEMENT OF THE NATIONAL TOP-LEVEL DOMAIN GENERAL PROVISIONS. Scope of application. Article 1
Pursuant to Article 79 paragraph 2 of the Electronic Communications Act (Official Gazette no. 73/08), at the proposal of the Managing Council of the Croatian Academic and Research Network - CARNet, the
How To Protect The Republic Of Croatia From Leaks
THE CROATIAN PARLIAMENT Pursuant to Article 88 of the Constitution of the Republic of Croatia, I hereby issue the 2483 DECISION ON PROMULGATING THE DATA SECRECY ACT I hereby promulgate the Data Secrecy
THE CROATIAN FINANCIAL SERVICES SUPERVISORY AGENCY
THE CROATIAN FINANCIAL SERVICES SUPERVISORY AGENCY Pursuant to Article 263 item 1 of the Insurance Act (Official Gazette 151/05, 87/08, 82/09), the Croatian Financial Services Supervisory Agency at its
LEGISLATION COMMITTEE OF THE CROATIAN PARLIAMENT
LEGISLATION COMMITTEE OF THE CROATIAN PARLIAMENT 2300 Pursuant to its authority from Article 59 of the Rules of Procedure of the Croatian Parliament, the Legislation Committee determined the revised text
LAW ON PAYMENT SERVICES
LAW ON PAYMENT SERVICES Part I INTRODUCTORY PROVISIONS Subject matter Article 1 This Law regulates the conditions and manner of providing payment services, electronic money, payment systems and supervision
THE CROATIAN PARLIAMENT DECISION PROMULGATING THE ALTERNATIVE INVESTMENT FUNDS ACT
THE CROATIAN PARLIAMENT Pursuant to Article 89 of the Constitution of the Republic of Croatia, I hereby pass the DECISION PROMULGATING THE ALTERNATIVE INVESTMENT FUNDS ACT I hereby promulgate the Alternative
UNOFFICIAL CONSOLIDATION AND TRANSLATION OF LAWS 128(I) OF 2009 AND 52(I) OF 2010 THE PAYMENT SERVICES LAWS OF 2009 TO 2010
UNOFFICIAL CONSOLIDATION AND TRANSLATION OF LAWS 128(I) OF 2009 AND 52(I) OF 2010 THE PAYMENT SERVICES LAWS OF 2009 TO 2010 This translation and consolidation of laws is not official. It has been prepared
GENERAL TERMS AND CONDITIONS FOR OUTGOING AND INCOMING CURRENCY PAYMENTS
GENERAL TERMS AND CONDITIONS FOR OUTGOING AND INCOMING CURRENCY PAYMENTS These general terms and conditions for currency payments have been drawn up by Danske Bank A/S, Helsinki Branch based on the drafted
ARTICLES OF INCORPORATION OF RAIFFEISEN VOLUNTARY PENSION FUND
In accordance with the Mandatory Pension Funds Act (Official gazette no. 19/2014, hereinafter: Act), the Management of Raiffeisen društvo za upravljanje obveznim i dobrovoljnim mirovinskim fondovima d.d.,
FAQ on the International Bank Account Number (IBAN) 2. Question: Can you explain briefly the IBAN for Bahrain?
FAQ on the International Bank Account Number (IBAN) 1. Question: What is IBAN? Answer: IBAN is the acronym for ISO 13616 Standard compliant International Bank Account Number. IBAN is a unique customer
State Bank of Pakistan. Guidelines: IBAN Implementation in Pakistan
State Bank of Pakistan Guidelines: IBAN Implementation in Pakistan Page ii 1. Introduction 2. IBAN Implementation 3. IBAN Benefits 4. Scope 5. IBAN Implementation Phases 6. IBAN Format 7. Proposed IBAN
CROATIAN PARLIAMENT. Based on Article 88 of the Constitution of the Republic of Croatia, I hereby make the
CROATIAN PARLIAMENT 2792 Official Gazette 87/08 Based on Article 88 of the Constitution of the Republic of Croatia, I hereby make the DECISION ON THE PROMULGATION OF THE ANTI MONEY LAUNDERING AND TERRORIST
PAYMENT TRANSACTIONS ACT (PTA)
PAYMENT TRANSACTIONS ACT (PTA) Published in the Official Gazette of the Republic of Slovenia No. 30 on 5 April 2002 All effort has been made to ensure the accuracy of this translation, which is based on
Ljubljana, November 2012
RECOMMENDATIONS FOR CONDUCTING PAYMENT TRANSACTIONS THROUGH ELECTRONIC BANKING SYSTEMS FOR LEGAL ENTITIES, ENTREPRENEURS AND INDEPENDENT PROFESSIONAL OCCUPATION AT UNICREDIT BANKA SLOVENIJA D.D. Ljubljana,
I. GENERAL PROVISIONS
Pursuant to the provisions of the Article 99 of the Capital Markets Act (Official Gazette 88/08, 146/08), the Management Board of the Croatian Financial Services Supervisory Agency issued at its session
Entering payment order abroad and payment order in a foreign currency in the Czech Republic via electronic banking service ČSOB InternetBanking 24
Entering payment order abroad and payment order in a foreign currency in the Czech Republic via electronic banking service ČSOB InternetBanking 24 Content 1. Payment order abroad... 2 1.1. Entering payment
GUIDELINES FOR IMPLEMENTING THE DECISION ON TERMS AND CONDITIONS OF PERFORMING FOREIGN PAYMENT TRANSACTIONS
RS Official Gazette, Nos 24/2007, 31/2007, 41/2007, 3/2008, 61/2008, 120/2008, 38/2010, 92/2011, 62/2013, 51/2015 and 111/2015 Pursuant to Articles 21 and 45 of the Law on the National Bank of Serbia ("RS
Russian Federation Federal Law No. 161-FZ of June 27, 2011, "On the National Payment System" Chapter 1. General Provisions
Russian Federation Federal Law No. 161-FZ of June 27, 2011, "On the National Payment System" Adopted by the State Duma on June 14, 2011 Approved by the Federation Council on June 22, 2011 Chapter 1. General
x x Accuity IBAN Complete Validation Messages Explanations Message Code IBAN Message Additional Explanation VALID INVALID WARNING
Accuity IBAN Complete Validation s Eplanations 000 Valid IBAN Structure. 001 Additional Eplanation VALID INVALID WARNING ISO Country entered is not Successful IBAN validation will occur when the three
How To Enforce The Nordic Balance Settlement Agreement
Nordic Imbalance Settlement Agreement on Pledge and Right of Disposal of Cash Account between [name of Balance Responsible Party] and esett Oy and [name of Settlement Bank] based on agreement template
Law on Deposit Insurance. ( Official Gazette of the RoS, Nos. 61/2005, 116/2008 and 91/2010) I BASIC PROVISIONS. Article 1
Law on Deposit Insurance ( Official Gazette of the RoS, Nos. 61/2005, 116/2008 and 91/2010) I BASIC PROVISIONS Article 1 This Law regulates the statutory insurance of Deposits of natural persons, Entrepreneurs
THE CROATIAN PARLIAMENT. Pursuant to Article 88 of the Constitution of the Republic of Croatia, I hereby issue the DECISION
THE CROATIAN PARLIAMENT Pursuant to Article 88 of the Constitution of the Republic of Croatia, I hereby issue the 2729 DECISION ON PROMULGATING THE SECURITY VETTING ACT I hereby promulgate the Security
(Unofficial translation by the Financial and Capital Market Commission)
1 (Unofficial translation by the Financial and Capital Market Commission) Law on Payment Services and Electronic Money (Title of the Law in the wording of the Law of 17 March 2011 that is in effect as
DECISION ON CONDITIONS AND MANNER OF OPENING, MAINTAINING AND CLOSING BANK ACCOUNTS
Pursuant to Article 3, paragraph 4 and Article 36, paragraph 2 of the Law on Payment Transactions ( FRY Official Gazette, No. 3/2002 and 5/2003 and "RS Official Gazette", No. 43/2004) the Governor of the
DECISION PROMULGATING THE ACT ON AMENDMENTS TO THE ACT ON PENSION INSURANCE COMPANIES AND PAYMENT OF PENSIONS BASED ON INDIVIDUAL CAPITALISED SAVINGS
Pursuant to Article 89 of the Constitution of the Republic of Croatia, I hereby issue the DECISION PROMULGATING THE ACT ON AMENDMENTS TO THE ACT ON PENSION INSURANCE COMPANIES AND PAYMENT OF PENSIONS BASED
Delegations will find below a Presidency compromise text on the above Commission proposal, to be discussed at the 12 May 2011 meeting.
COUNCIL OF THE EUROPEAN UNION Brussels, 5 May 2011 9533/11 Interinstitutional File: 2010/0373 (COD) EF 61 ECOFIN 226 CONSOM 67 CODEC 710 NOTE from: to: Subject: Presidency Delegations Proposal for a Regulation
Government Debt Act. Chapter One GENERAL PROVISIONS. Chapter Two GOVERNMENT DEBT
Government Debt Act Promulgated, State Gazette No. 93/1.10.2002, amended SG No. 34/19.04.2005, effective 1.06.2005, amended and supplemented, SG No. 52/29.06.2007, effective 1.11.2007, SG No. 23/27.03.2009,
NATIONAL BANK OF THE REPUBLIC OF MACEDONIA
NATIONAL BANK OF THE REPUBLIC OF MACEDONIA Pursuant to Article 41-a and Article 64, paragraph 1, item 22 of the Law on the National Bank of the Republic of Macedonia ("Official Gazette of the Republic
THE FOREIGN EXCHANGE ACT
THE FOREIGN EXCHANGE ACT The full wording of Act of the National Council of the Slovak Republic No. 202/1995 Coll. dated 20 September 1995, the Foreign Exchange Act and the act amending and supplementing
Law. on Payment Services and Payment Systems. Chapter One GENERAL PROVISIONS. Section I Subject and Negative Scope. Subject.
Law on Payment Services and Payment Systems 1 Law on Payment Services and Payment Systems (Adopted by the 40th National Assembly on 12 March 2009; published in the Darjaven Vestnik, issue 23 of 27 March
RS Official Gazette, Nos 56/2013 and 4/2015
RS Official Gazette, Nos 56/2013 and 4/2015 Based on Article 24 of the Law on Foreign Exchange Operations (RS Official Gazette, Nos 62/2006, 31/2011 and 119/2012), Article 14, paragraph 1, item 9 and Article
Decision on recovery plans of credit institutions. Subject matter Article 1
Pursuant to Article 101, paragraph (2), item (8) and Article 154, paragraph (2) of the Credit Institutions Act (Official Gazette 159/2013) and Article 43, paragraph (2), item (9) of the Act on the Croatian
PAYMENT CONDITIONS. Effective as of 10.06.2014 1
1. Definitions In addition to the terms and conditions provided in the Current Account Contract Conditions and the General Conditions of the Bank, the following definitions are used in these Payment Conditions:
General Terms and Conditions of UniCredit Bank Austria AG comparison of modified or amended sections with the old version.
2 Notification of important changes a) Name or address Section 11 (1) The customer shall immediately notify the bank in writing of any changes in his/her name, company name, address or the service address
EUROPEAN COMMUNITIES (WIRE TRANSFERS REGULATION) (APPLICATION) ORDER 2007
Statutory Document No. 332/07 EUROPEAN COMMUNITIES (ISLE OF MAN) ACT 1973 EUROPEAN COMMUNITIES (WIRE TRANSFERS REGULATION) (APPLICATION) ORDER 2007 Draft laid before Tynwald 20th March 2007 Approved by
Regulation on the procedure and conditions for payment of tax liability by compensation
Pursuant to the Article 67 Paragraph 4 Point 1 of the Law on Tax Procedure and Tax Administration ("Official Gazette of the Republic of Serbia", reference number 80/2002, 84/2002 and 23/2003), Minister
P R O T O C O L. The State Attorney's Office of the Republic of Croatia and the Prosecutor's Office of Bosnia and Herzegovina (hereinafter: Parties)
P R O T O C O L of the State Attorney's Office of the Republic of Croatia and the Prosecutor s Office of Bosnia and Herzegovina on Cooperation in Prosecution of Perpetrators of War Crimes, Crimes against
Background. IBAN Overview
International Bank Account Number ( IBAN ) IBAN Overview The International Bank Account Number ( IBAN ) is an international standard for identifying bank accounts across national borders in a way that
Business On Line Application Pack for Existing Customers for completion by Sole Traders
Business On Line Application Pack for Existing Customers for completion by Sole Traders A Sole Trader is an individual operating independently. It is an unincorporated business owned and run by one individual
Foreign Exchange Transactions Act of South Korea. Act No.5550,Sep.16,1998
Foreign Exchange Transactions Act of South Korea Act No.5550,Sep.16,1998 CHAPTER グ GENERAL PROVISIONS Article 1 (Purpose) The purpose of this Act is to contribute to the sound development of the national
TERMS AND CONDITIONS OF PAYMENT ORDER IN FOREIGN EXCHANGE TRANSACTIONS AT PKO BP SA BANK
TERMS AND CONDITIONS OF PAYMENT ORDER IN FOREIGN EXCHANGE TRANSACTIONS AT PKO BP SA BANK TABLE OF CONTENTS SECTION 1 General provisions... 1 I. General rules for payment execution in foreign exchange transactions...
CROATIAN PARLIAMENT 1364
CROATIAN PARLIAMENT 1364 Pursuant to Article 88 of the Constitution of the Republic of Croatia, I hereby pass the DECISION PROMULGATING THE ACT ON PERSONAL DATA PROTECTION I hereby promulgate the Act on
Regulation on General Conditions for Issue and Sale of State Securities in the Primary Market
Regulation on General Conditions for Issue and Sale of State Securities in the Primary Market Regulation was published in the "Official Gazette of RS", No. 71/2005 on August 18, 2005. It has ceased to
1.4. Definitions residents and non residents herein shall bear the meanings
Approved Central Bank of the Republic of Azerbaijan Resolution # 29/2 3 December 2012 Governor Elman Rustamov REGULATIONS on OPENING, MAINTAINING AND CLOSING BANK ACCOUNTS 1. General provisions 1.1. These
L A W ON TAKEOVERS OF JOINT STOCK COMPANIES. (Official Gazette of RS, No 46/2006, 107/2009 and 99/2011) I. GENERAL PROVISIONS
L A W ON TAKEOVERS OF JOINT STOCK COMPANIES (Official Gazette of RS, No 46/2006, 107/2009 and 99/2011) I. GENERAL PROVISIONS Objectives and Application Article 1 This Law shall apply to conditions and
GENERAL TERMS AND CONDITIONS for opening and keeping of bank accounts, and providing of payment services GENERAL CONDITIONS I.
GENERAL TERMS AND CONDITIONS for opening and keeping of bank accounts, and providing of payment services I. DEFINITIONS GENERAL CONDITIONS 1. Within the meaning of the present General Terms and Conditions
BROKERAGE AGREEMENT. THIS AGREEMENT is made on BETWEEN:
BROKERAGE AGREEMENT THIS AGREEMENT is made on BETWEEN: Patria Finance, a.s., a company organized and existing under the laws of the Czech Republic, registered office: Jungmannova 745/24, 110 00 Prague
The Authorized Bank shall inform each client by a durable medium about the following:
Pursuant to Article 26 of the Statute of UniCredit Bank Srbija a.d. and Article 174 of Law on Capital Market ( Official Gazette of RS no. 31/2011), Articles of the Rulebook on Code of Conduct applying
LAW. ON ELECTRONIC SIGNATURE (Official Gazette of the Republic of Montenegro 55/03 and 31/05)
LAW ON ELECTRONIC SIGNATURE (Official Gazette of the Republic of Montenegro 55/03 and 31/05) I GENERAL PROVISIONS Article 1 This Law shall regulate the use of electronic signature in legal transactions,
Explanatory leaflet WHEN AND WHERE TO SEND YOUR RETURN AND PAY YOUR WITHHOLDING TAX
DIRECTION GENERALE DES IMPOTS 2779-N-ANG-SD (01-2008) 51224#01 Explanatory leaflet GENERAL POINTS Under Article 1672 (3) of the French General Tax Code (CGI), the withholding tax referred to in Article
Pursuant to Article 88 item 2 of the Constitution of the Republic of Montenegro I hereby issue the
Pursuant to Article 88 item 2 of the Constitution of the Republic of Montenegro I hereby issue the DECREE PROMULGATING THE LAW ON FOREIGN CURRENT AND CAPITAL TRANSACTIONS (Official Gazette of Montenegro
Incorporated Society. Business Current and Demand Deposit Account Application Pack. This Application Pack is for:
Incorporated Society Business Current and Demand Deposit Account Application Pack This Application Pack is for: Incorporated Societies being those Industrial and provident societies, also known as Co-operatives,
Financial Services (Investment and Fiduciary Services) FINANCIAL SERVICES (EEA) (PAYMENT SERVICES) REGULATIONS 2010
Legislation made under s. 53 of the Financial Services (Investment and Fiduciary Services) Act as read with section 23(g)(i) of the Interpretation and General Clauses Act. (LN. ) Commencement 29.4.2010
365 Monthly Saver Account
365 Monthly Saver Account Introduction: These are the Terms and Conditions that apply to the Chosen Product named above. They are in two parts: Part 1. Terms and Conditions for the Chosen Product; and
Home Savings Act. The Slovak National Council has approved the following Act: P A R T O N E. Basic Provisions. Article 1
Home Savings Act The full wording of Act of the National Council of the Slovak Republic No. 310/1992 Coll. of 6 May 1991, Home Savings Act, as amended by Act of the National Council of the Slovak Republic
Teen SmartSave. Account. Part 1: Terms and Conditions for the Chosen Product
Teen SmartSave Account Introduction: These are the Terms and Conditions that apply to the Chosen Product named above. They are in two parts: Part 1. Terms and Conditions for the Chosen Product; and Part
CROATIAN PARLIAMENT 242
Important Disclaimer The English language text below has been provided by the Translation Centre of the Ministry for European Integration for information only; it confers no rights and imposes no obligations
Act on Payment Services
Act on Payment Services No. 120 27 September 2011 Entered into force 1 December 2011. EEA Agreement: Annex IX, Directive 2007/64/EC. Amended by Act No. 17/2013 (entered into force on 1 April 2013; EEA
Autoridade Bancária e de Pagamentos de Timor-Leste Banking and Payments Authority of Timor-Leste
Autoridade Bancária e de Pagamentos de Timor-Leste Banking and Payments Authority of Timor-Leste PUBLIC INSTRUCTION 02/2004 ON THE PREVENTION OF MONEY LAUNDERING, CUSTOMER IDENTIFICATION AND RECORD-KEEPING
Organization, Management and Human Resources
8 Organization, Management and Human Resources 8.1 Council of the Croatian National Bank According to article 65 of the Law on the Croatian National Bank (official gazette Narodne novine, No. 35/1995
Croatia. Progress report Annexes 1. 13 April 2011 MONEYVAL(2011)4 ANN. 1 Second 3 rd Round Written Progress Report Submitted to MONEYVAL
COMMITTEE OF EXPERTS ON THE EVALUATION OF ANTI-MONEY LAUNDERING MEASURES AND THE FINANCING OF TERRORISM (MONEYVAL) MONEYVAL(2011)4 ANN Croatia Progress report Annexes 1 13 April 2011 1 Second 3 rd Round
General Terms and Conditions for National Domain Name Registrations
Serbian National Internet Domain Registry Foundation Žorža Klemansoa 18a/I, Belgrade, Serbia +381-11-7281-281 rnids.rs рнидс.срб kancelarija@rnids.rs Pursuant to Article 27, paragraph 1 of the Statute
Official Journal of the European Communities
11. 6. 98 EN Official Journal of the European Communities L 166/45 DIRECTIVE 98/26/EC OF THE EUROPEAN PARLIAMENT AND OF THE COUNCIL of 19 May 1998 on settlement finality in payment and securities settlement
RS Official Gazette, Nos 10/2011 and 18/2012
RS Official Gazette, Nos 10/2011 and 18/2012 Based on Article 14, paragraph 1, item 9, and with reference to Article 45, item 1 of the Law on the National Bank of Serbia ("RS Official Gazette", No. 72/2003,
General Terms and Conditions for Current Accounts of Rabobank 2013
General Terms and Conditions for Current Accounts of Rabobank 2013 General Terms and Conditions for Current Accounts of Rabobank 2013 This English translation, made by a professional translation agency,
LAW ON PLEDGE OF MOVABLE ASSETS REGISTERED IN THE PLEDGE REGISTRY I. GENERAL PROVISIONS
LAW ON PLEDGE OF MOVABLE ASSETS REGISTERED IN THE PLEDGE REGISTRY (Published in the Official Gazette of the Republic of Serbia No. 57/03, 61/05, 64/06) I. GENERAL PROVISIONS Subject Matter of the Law Art.
INTERNATIONAL BANK ACCOUNT NUMBER (IBAN)
INTERNATIONAL BANK ACCOUNT NUMBER (IBAN) What is IBAN? International Bank Account Number (IBAN) is a standard account number which is developed within the framework of European Union Regulations. The main
ORDER on the promulgation of the European Works Councils Act (ZESD)
2836. European Works Councils Act (ZESD) Pursuant to the second indent of the first paragraph of Article 107 and the first paragraph of Article 91 of the Constitution of the Republic of Slovenia, I hereby
The Act imposes foreign exchange restrictions, i.e. performance of certain actions requires a relevant foreign exchange permit.
RESPONSIBILITIES OF THE NATIONAL BANK OF POLAND RESULTING FROM THE FOREIGN EXCHANGE ACT 1. FOREIGN EXCHANGE PROVISIONS Foreign exchange regulations, which constitute part of the financial legislation,
ACT ON LIABILITY FOR NUCLEAR DAMAGE
ACT ON LIABILITY FOR NUCLEAR DAMAGE Published in the Official Gazette of the Republic of Slovenia - International Treaties, No. 77/2010 UNOFFICIAL TRANSLATION I. GENERAL PROVISIONS Article 1 (Contents)
PUBLIC ENTERPRISE POST OF SERBIA REGULATIONS ON CONDITIONS FOR THE PROVISION OF INTERNATIONAL MONEY ORDER SERVICE
OFFICIAL PTT GAZETTE NUMBER 996 ANNEX TO THE POSTAL GAZETTE, PROFESSIONAL& INFORMATION PAPER OF THE PE POST OF SERBIA 29 September 2015 Editor in chief Vladan Đakovački Year XXV PUBLIC ENTERPRISE POST
Electronic foreign currency payments, LUM2
Electronic foreign currency payments, LUM2 Contents 1 Electronic foreign currency payment service... 3 2 Service agreement and testing... 3 2.1 Agreement... 3 2.2 Testing... 4 2.2.1 File transfer and processing...
NatWest Welcom e Account and NatWest NRI Welcome Account free money transfer service conditions
NatWest Welcom e Account and NatWest NRI Welcome Account free money transfer service conditions 2 Please read the Terms and Conditions carefully. Important The Bank will automatically send all payments
AGREEMENT OF ADHERENCE TO THE OPERATION RULES OF THE ELECTRIC POWER PRODUCTION MARKET
AGREEMENT OF ADHERENCE TO THE OPERATION RULES OF THE ELECTRIC POWER PRODUCTION MARKET THIS AGREEMENT IS MADE AND ENTERED INTO BY AND BETWEEN THE COMPAÑÍA OPERADORA DEL MERCADO ESPAÑOL DE ELECTRICDAD, S.A.