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In its judgment of 25 January 2017 in a case (C- 375/15) opposing BAWAG, an Austrian bank and VKI, an Austrian consumer organisation, the Court of Justice of the European Union («CJEU») answered the question whether payment service providers may notify their users of any contractual changes via the electronic mailbox of client-dedicated e-banking web space.
The CJEU ruled that the communication of contractual changes via a message to such integrated mailbox without any supplementary communication, for example, via a message sent to the personal private e-mail of the client or per sms informing him/her that a message has been sent to the e-banking mailbox, is insufficient within the context of the Payment Services Directive 2007/64/EC.
The Payment...
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