Академический Документы
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This translation is furnished for the client’s convenience only. The original Dutch text, which will be sent upon request,
will be binding and shall prevail in case of any variance between the Dutch text and the English translation.
Contents
Definitions
9. Credit Transfers
9.1. Credit transfers and types of transfer
9.2. Credit transfer orders
Term Definition
Bank ABN AMRO BANK N.V. or – if this is evident from the text – another payment service provider who is involved in the
execution of a payment transaction.
Bank Card A card issued by the bank with accompanying PIN. This does not refer to a credit card.
Bank Statement The definition is described in the Client Relationship Conditions. An account statement is one example.
Beneficiary The person for whom a payment is intended.
Business Day Every day on which the payer’s bank or the beneficiary’s bank is open for performing the operations necessary to
execute a payment transaction. For more information, please consult the Payment Services Information Sheet.
Client Identifier The definition is described in the Client Relationship Conditions. The bank card with PIN number is one example of a
client identifier.
Communication Channel The definition is described in the Client Relationship Conditions. Examples of communication channels are the post,
telephone or the Internet.
Consequential Loss Forms of loss or damage other than amounts that have been incorrectly debited from your account.
Current Account An account that you hold with the bank for the execution of payment transactions.
Debit Card A card issued by the bank with accompanying PIN. This does not refer to a credit card.
Internet Banking A secure electronic environment that has been set up to enable you and the bank to convey information or other
messages to each other. For instance, you can give the bank a payment order or receive an account statement from the
bank via Internet Banking.
Mobile Banking A simple form of Internet Banking via a bank-issued app on a smartphone, tablet or comparable device.
Mobile Payments Paying via a Point-of-Sale Terminal using a smartphone.
Negative Balance A debit balance on the payment account, entailing that you have a debt to the bank.
Payment Order Date The date on which the bank receives an order for the execution of a payment transaction or the date applicable as the
payment order date according to Article 4.2.
Payment Services These Commercial Payment Services Conditions.
Conditions
Payment Services The written or electronic Retail Payment Services Information Sheet
Information Sheet
Payment Transaction A payment transaction can be a cash deposit, cash withdrawal, credit transfer, direct debit, payment at a Point-of-Sale
Terminal (Maestro or Chipknip) or the loading or unloading of credit onto or from a Chipknip.
PIN number A Personal Identification Number that you can use in combination with the bank card.
SEPA The Single Euro Payments Area. This area consists of the European Union countries plus Norway, Iceland, Liechtenstein,
Switzerland and some other countries. More information can be found at abnamro.nl or requested from the bank.
1. Subject and Applicable Conditions The bank is entitled to refuse or reverse any instructions
that will result or have resulted in an unauthorised
1.1. Subject negative balance.
The Payment Services Conditions apply to the following
banking services: 3. Bank Card and Other Client Identifiers
▶▶ your current account
▶▶ your bank card and other client identifiers The bank card with PIN number or signature is a client
▶▶ your payment transactions. identifier. In some cases, the bank card can also be used
These are referred to as payment services in these as a client identifier without PIN number or signature.
conditions. You can use the bank card as described in these conditions.
You can also use the debit card with PIN number to place
1.2. Other applicable conditions an electronic signature or approve a transaction.
In addition to these conditions, the following also apply:
▶▶ the ABN AMRO Bank N.V. General Conditions. With Internet Banking, you use the debit card with PIN
These are the General Banking Conditions and the number with the aid of the e.dentifier issued by the
Client Relationship Conditions bank. Certain simple Internet Banking operations can
▶▶ the Commercial Payment Services Information also be performed using your account number and bank
Sheet. This contains extra rules and information card number in combination with the five-digit identification
about the subjects contained in these Payment code selected by you as the client identifier. One such
Services Conditions. example is Mobile Banking.
1.3. Applicability of statutory provisions When making Mobile Payments at Point-of-Sale Terminals
Part 7B of Book 7 of the Netherlands Civil Code, as well as with a bank-issued app on your smartphone, the app in
other legislation and regulations implementing Directive combination with the four-digit code (mPIN) you have
2007/64/EC of the European Parliament and Council of selected can serve as a client identifier.
13 November 2007 do not apply, insofar as it is permitted
by law to depart from these provisions in contracts with Client identifiers are subject to the rules set out in the
non-consumers. Client Relationship Conditions.
You may only use the current account as a commercial client With these payment transactions, the beneficiary’s bank
and not as a natural person acting in a non-professional receives a payment from your current account no later
or non-business capacity. The bank has different accounts than the business day after the payment order date.
with different conditions for natural persons. This term is a maximum of two business days if you
submit a written payment order. If the bank needs to
2.2. Negative balance change the amount into another currency, the execution
You cannot have a negative balance unless this is clearly period is usually two business days longer.
arranged in advance with the bank. Any negative balance
not been agreed in advance with the bank must be Other payment transactions are performed by the bank
immediately cleared. within a reasonable term after the instruction date.
One exception to this rule is loss due to the intent or You can also request the bank to execute a transfer as an
gross negligence on the part of the bank. urgent payment. In this case, the bank executes the transfer
as quickly as possible.
1
This is not possible at all our branches. Visit abnamro.nl/apparaten for a list of branches that order and collect cash.
For euro transfers within SEPA, you must state the 10.4. Blocking direct debits3
beneficiary’s IBAN (International Bank Account Number) The following options are available for blocking direct
on the order form. debits from your current account:
▶▶ blocking of all direct debits.
10. Direct Debits ▶▶ blocking of all direct debits of a certain payee. This is
only possible if the bank has previously received a
10.1. Direct debits payment order from that payee.
A direct debit is a transfer from your current account that ▶▶ blocking of all direct debits based on a certain mandate.
is not initiated by yourself, but by the beneficiary (the This is only possible if the bank has previously
payee). To this end, you must first give the beneficiary received a payment order based on that mandate
permission via a direct debit mandate. This direct debit ▶▶ one-off blocking (refusal) of a certain direct debit.
mandate also serves as your permission to the bank to This is only possible if the bank has already received
execute the payment order. You can withdraw a mandate the direct debit.
by informing the beneficiary accordingly. ▶▶ blocking of a certain direct debit if the amount exceeds
the maximum amount stated by you.
Direct debits are possible only for euro payments between
accounts at participating banks within SEPA. Blocking of SEPA direct debits takes immediate effect
For more information, please visit abnamro.nl after the bank has received your instruction.
A SEPA B2B Direct Debit is a special type of direct debit. If you have given a blocking instruction, the bank will
These are subject to the provisions in Article 10.5. not execute the direct debit. You will receive no further
Articles 10.2 to 10.4 are not applicable in this case. notification of this. You can also request the bank to lift the
blocking of a direct debit. This will take immediate effect.
In the Payment Services Information Sheet you can find
an overview of the various types of direct debits and 10.5. SEPA B2B Direct Debits
their characteristics. A SEPA B2B Direct Debit is exclusively intended for use
by commercial customers. You must register the details
10.2. Reversals2 of the mandate that you have given to the beneficiary
You can request the bank to reverse a direct debit without (payee) at the bank. You may state a maximum transaction
needing to state a reason. This must be done within amount in this connection.
eight weeks after the amount has been debited from The Bank will only execute a SEPA B2B Direct Debit if:
your current account. ▶▶ the mandate is registered with the bank
▶▶ the transaction details correspond with the relevant
10.3. Execution without mandate registered details of the mandate (see Payment
If a direct debit has been executed without a valid mandate, Services Information Sheet)
you can request the bank to transfer the amount back to ▶▶ a maximum transaction amount, if applicable, is not
your account. You must do this as quickly as possible, but exceeded.
2
Some types of direct debit will be abolished on 31 January 2014 or another date reported to you by the bank. The following addition to Article 10.2 applies to these types of direct debit:
The reversal term is eight weeks for a
general recurrent direct debit.
The reversal term is five business days for a
B2B recurrent direct debit.
Reversal is not possible for a
one-off direct debit (stating the amount of the payment);
B2B recurrent direct debit without debtor right of reversal.
3
Some types of direct debit will be abolished on 31 January 2014 or another date reported to you by the bank. The following addition to Article 10.4 applies to these types of direct debit:
You have the following options to block your current account for direct debits, insofar as these are not SEPA direct debits:
blocking of all direct debits;
blocking of all direct debits for a certain account number of a certain payee.
The blocking of these direct debits takes effect later than the time when the bank receives your blocking instruction. For more information, please consult the Payment Services Information Sheet.
You can request the bank to send you a new copy of the
Payment Services Conditions or the Payment Services
Information Sheet.
14.2. Cancellation
You can cancel the payment services whenever you want
by informing the bank accordingly. The bank will terminate
the payment services on the last day of the month in
which the bank receives your cancellation.