ING-DiBa Direktbank Austria

Case C‑191/17 Bundeskammer für Arbeiter und Angestelltev ING-Di Ba Direktbank Austria Niederlassung der ING-Di Ba AG(Request for a preliminary ruling from the Oberster Gerichtshof)(Directive 2007/64/EC — Payment services in the internal market — Concept of ‘payment account’ — Potential inclusion of a savings account enabling its user to make payments and withdrawals by way of a current account opened in his name)Summary — Judgment of the Court (Fifth Chamber), 4 October 2018 Approximation of laws — Payment services in the internal market — Directive 2007/64 –Payment account — Meaning — Savings account which allows for sums deposited without notice — Payment and withdrawal transactions having to be made by way of a current account — Not included (European Parliament and Council Directives 2007/64, Art. 4(14) and 2014/92, Art. 1(6) and 2(3))Article 4(14) of Directive 2007/64/EC of the European Parliament and of the Council of 13 November 2007 on payment services in the internal market amending Directives 97/7/EC, 2002/65/EC, 2005/60/EC and 2006/48/EC and repealing Directive 97/5/EC must be interpreted as meaning that a savings account which allows for sums deposited without notice and from which payment and withdrawal transactions may be made solely by means of a current account does not come within the concept of ‘payment account’. As regards the concept of ‘payment account’, it must first be pointed out that the definition provided for in Article 2(3) of the Payment Accounts...