commiss recommend april bank charg convers euro ec commiss european commun regard treati establish european commun articl thereof euro currenc particip member state januari euro substitut nation currenc particip member state convers rate transit period euro exist denomin nation currenc unit unit euro convers rate articl council regul ec june provis relat introduct euro convers rate convers euro unit nation currenc unit draft council regul introduct euro impos oblig convert commiss consid bank legal entitl charg convers incom payment denomin euro unit nation currenc unit transit period convers account nation currenc unit euro unit end transit period fee servic denomin euro unit charg ident servic denomin nation currenc unit commiss consid order facilit smooth introduct euro bank minimum requir law provid charg convers account nation currenc unit euro transit period provid charg convers outgo payment nation currenc unit euro unit vice versa transit period provid exchang charg custom household amount nation banknot coin euro banknot coin final period reason clariti complet legal requir interpret commiss recommend commiss present term standard good practic signifi legal requir recommend practic standard good practic includ convers charg account euro denomin nation denomin introduct euro includ exchang euro area nation banknot euro area nation banknot charg exchang affect introduct euro standard good practic cover transpar charg convers standard good practic includ exchang nation banknot coin household amount bank retail negoti charg withdraw retail nation banknot coin deliveri retail euro banknot coin take account arrang made compet author nation level convers nation currenc unit euro unit vice versa exchang banknot coin particip member state bank show applic convers rate accord provis regul ec convers rate charg transpar standard good practic concern transpar charg implement bank advanc januari order reduc risk consum wrongli attribut exist charg introduct euro bank implement standard good practic publicis demonstr compli standard bank event inform custom advanc januari appli standard good practic convers intend charg commiss intend monitor applic standard good practic monitor activ address recommend ec dialogu monitor inform facilit transit euro dialogu provid recommend includ discuss implement monitor standard good practic dialogu address aspect charg convers extend scope standard good practic laid recommend consum bank account special consider relat exchang banknot coin denomin nation currenc banknot coin denomin euro final period determin local condit member state issu charg convers euro discuss round tabl expert group establish examin issu involv sector concern report publish conclus expert report accept commiss commun updat practic aspect introduct euro adopt februari discuss round tabl februari recommend articl definit purpos recommend definit appli bank credit institut defin council direct eec financi institut defin articl council regul ec busi carri activ relat convers payment account exchang note coin bureaux de chang post offic nation currenc unit unit currenc particip member state unit defin dai start stage econom monetari union nation currenc unit recommend refer nation currenc unit member state bank make convers locat particip member state member state adopt singl currenc accord treati convers chang denomin monetari amount nation currenc unit euro unit vice versa convers rate accord provis regul ec euro unit currenc unit euro refer sentenc articl draft council regul introduct euro transit period period begin januari end decemb final period period begin januari end june latest period vari length particip member state term draft council regul introduct euro convers rate irrevoc fix rate adopt currenc particip member state council sentenc articl treati incom payment payment receiv credit account beneficiari outgo payment payment made debit account origin account type account bank defin includ deposit account current account mortgag account secur account articl standard good practic bank implement accord articl standard good practic convers charg includ practic commiss consid legal requir convers charg incom payment nation currenc unit euro unit vice versa transit period ii convers charg account nation currenc unit euro unit end transit period iii charg servic denomin euro unit fee ident servic denomin nation currenc unit recommend practic convers charg outgo payment nation currenc unit euro unit vice versa transit period ii convers charg account nation currenc unit euro unit transit period iii exchang charg custom account holder household amount nation banknot coin euro banknot coin final period bank quantifi household amount volum frequenc transpar manner articl transpar convers nation currenc unit euro unit vice versa exchang banknot coin particip member state bank show applic convers rate accord provis regul ec identifi separ convers rate charg kind appli bank charg convers exchang includ articl bank implement provis articl provid clear transpar inform convers charg exchang charg provid custom prior ant written inform convers charg exchang charg propos appli specif inform post convers charg exchang charg appli bank cardhold statement mean commun custom inform demonstr custom applic convers rate accord provis regul ec convers charg exchang charg identifi separ convers rate charg kind appli articl implement bank implement standard good practic januari latest earlier case articl technic feasibl bank inform custom januari extent implement standard good practic implement standard good practic publicis method demonstr bank compli standard profession code conduct provis nation changeov plan displai convers symbol demonstr bank compli standard good practic scheme confer displai convers symbol work nation level parti concern consid articl recommend measur compet author member state invit facilit exchang free charg banknot coin denomin nation currenc unit reason amount reason frequenc banknot coin denomin euro unit final period case consum bank account articl final provis member state invit support implement recommend articl addresse recommend address member state bank associ brussel april commiss yve thibault de silgui member commiss oj oj page offici journal report expert group bank charg convers euro euro paper final oj oj