Area: Finance
Competent authority: MF
EZU URL: .nan
Initiative ID: 541
Initiative accepted and completed: '2015-07-07'
Initiative classified in EZU: .nan
Initiative forwarded in response: '2015-06-03'
Initiative published: '2015-06-03'
Initiative submitted: '2015-04-08'
Response from the competent authority: 'Response of the Ministry of Finance:The European
  Union has recently been focusing its efforts on the creation of a single market
  for payments in the euro area, which it is also trying to achieve by adopting a
  number of regulations aimed at ensuring greater competition in the payment services
  market.In relation to the initiative on the transfer of payment account numbers,
  the two most important ones are Regulation (EU) No. The most important are Regulation
  (EU) No 260/2012 of the European Parliament and of the Council of 14 March 2012
  introducing technical and business requirements for credit transfers and direct
  debits in euro and amending Regulation (EC) No 924/2009, hereinafter: the "SEPA
  Regulation", and Directive 2014/92/EU of the European Parliament and of the Council
  of 23 March 2014 on the introduction of technical and business requirements for
  credit transfers and direct debits in euro (hereinafter: the "SEPA Regulation").
  However, these Regulations do not provide for or foresee the transfer of a payment
  account number from one bank to another.In Slovenia, the International Bank Account
  Number (IBAN) is used to determine the payment account number, i.e. the international
  bank account number in ISO standard, which allows for unique identification and
  from which it is possible to tell the identity of the payment service provider,
  the account holder and the country of the payment service provider that holds the
  account of the account holder. In accordance with the SEPA Regulation, the IBAN
  of the payee has been mandatory on payment orders in EUR within the European Union
  since 1 February 2014. Therefore, when completing a payment order, payers must also
  provide the payee''s payment account number in the IBAN structure.The payment account
  record structure for Slovenia is SI56 xxxx xxxx xxxx xxxx xxx. Sl stands for the
  ISO code of the Republic of Slovenia, 56 is the control number for Slovenia and
  the account number is indicated in places 5 to 19. Within the IBAN number there
  is also the bank code of the payment service provider in Slovenia, which is used
  to determine the BIC code (Business Identifier Code), i.e. the unique code of the
  payment service provider. The BIC code is also the basis for the routing and processing
  of payment transactions in payment systems, and therefore the transfer of the same
  payment account number in the IBAN structure to another payment service provider
  would lead to the incorrect execution of payment transactions, as it would include
  the BIC number of the previous payment service provider.In order to make it easier
  for consumers to switch payment accounts, a PAD Directive was adopted in 2014 which
  details the procedures to be followed by the new and the old PSP when switching
  payment accounts, the deadlines within which these procedures must be followed and
  the fees associated with the switching service. Member States have until 18 September
  2016 to transpose the provisions of the Directive into national law, until which
  time this area is regulated in Slovenia by the Rules and Procedures for Switching
  Banks adopted by Slovenian banks within the Association of Banks of Slovenia.For
  the reasons set out above, it is not possible to transfer a payment account number
  from one bank to another, and we therefore do not support the initiative.'
Text file: 541.txt
Title: Transfer of bank accounts
URL: https://www.stopbirokraciji.gov.si/pobuda/?st=541
