commiss decis septemb relat proceed articl ec treati iv nederlands verenig van banken gsa agreement iv nederlands postorderbond iv verenigd nederlands uitgeversbedrijven iv nederlands organisati van tijdschriften uitgev nederlands christelijk radio verenig notifi document number dutch text authent ec commiss european commun regard treati establish european commun regard council regul februari regul implement articl treati amend regul ec articl thereof regard applic neg clearanc notif view exempt submit juli articl regul regard complaint lodg januari june septemb februari octob articl regul regard commiss decis june initi proceed case interest parti opportun heard matter commiss object accord articl regul conjunct commiss regul eec juli hear provid articl council regul invit interest parti submit observ accord articl regul regard commiss intent adopt posit standpoint notifi agreement consult advisori committe restrict practic domin posit fact notif juli nederlands verenig van banken dutch associ bank quot nvb quot notifi behalf member agreement introduct joint payment accept giro procedur quot gsa agreement quot quot gsa agreement quot request neg clearanc exempt articl ec treati accept giro payment instrument wide paye regular payment custom energi telephon bill insur premium subscript notif fact relat amend version earlier gsa agreement gsa agreement amend concern introduct interbank commiss payabl process accept giro form amount nlg eur process form gsa agreement interbank commiss paid collect parti bank paye bank purchas bank drawe bank commiss intend cover part cost drawe bank process accept giro form complaint commiss receiv complaint major user accept giro system dutch mail order associ nederlands postorderbond organis promot interest road user anwb umbrella organis nation chariti centraal bureau fondsenwerv enterpris involv publish period specialist journal verenigd nederlands uitgeversbedrijven vnu organis promot interest magazin publish nederlands organisati van tijdschriften uitgev notu broadcast organis nederlands christelijk radio verenig ncrv complaint direct restrict effect interbank commiss gsa agreement fix multilater complain regard price fix agreement bank mean articl complain regard systemat pass interbank commiss paye bank busi custom accept giro system constitut concert practic mean articl complain alleg major bank abus individu joint domin posit breach articl treati impos unfair charg busi custom accept giro parti notifi agreement gsa agreement sign abn amro bank nv coöperatiev central raiffeisen boerenleenbank ba ing bank nv nmb postbank groep nv postbank nv form part ing bank oper nederlands spaarbankbond interpai bankgirocentral bankgirocentral addit larg number bank end sign access declar state accept right oblig stem gsa agreement vi vi signatori agreement bank sign access declar name bank sign gsa agreement annex abn amro bank nv quot abn amro quot wholli own subsidiari abn amro hold nv set merger algemen bank nederland nv abn bank amsterdam rotterdam bank nv amro bank number account holder approxim million includ busi account holder abn amro total asset amount nlg billion eur billion mean abn amro largest bank netherland term total asset coöperatiev central raiffeisen boerenleenbank ba quot rabobank quot cooper capit bank stake bank legal statu cooper bank busi borrow automat member associ privat individu join number account holder rabobank million includ busi account holder end total asset amount nlg billion eur billion rabobank largest bank netherland term total asset ing bank creat januari merger insur compani national nederlanden nv nmb postbank groep set result merger year previous nederlandsch middenstandsbank nv nmb state enterpris postbank ing bank million privat account holder busi account holder postbank form part ing bank oper giro circuit million privat account holder busi account holder ing bank consolid total asset includ bbl amount approxim nlg billion eur billion nederlands spaarbankbond associ save bank affili save bank forti bank sn bank nederland samenwerkend groning bondsspaarbanken sticht nutsspaarbank sticht bondsspaarbank autonom nederlands spaarbankbond sign gsa agreement behalf affili bank number account holder million total combin total asset affili save bank amount nlg billion eur billion interpai nederland interpai facil payment transfer bank giro establish includ centralis process transfer payment interpai joint undertak oper virtual gener bank rabobank member nederlands spaarbankbond set januari merger bank giro central bgc origin gsa agreement signatori respons process giro transact beanet process transact automat teller machin eurocard nederland process credit card transact interpai manag payment circuit bank except postbank nv mention giro circuit part move set nation payment circuit connect interpai circuit postbank circuit significantli upgrad billion giro transact perform interpai bgc involv total amount nlg billion eur billion number accept giro process million nlg billion eur billion bank particip interpai nvb set object promot interest nation intern credit institut oper netherland dutch bank gener virtual bank oper netherland includ establish foreign bank member nvb nvb notifi gsa agreement behalf member parti accept giro system gener notif complaint concern dutch accept giro system system intend domest busi payment payment drawe busi paye account netherland carri regular mandatori basi situat involv compani larg establish custom base payer paye direct contact exampl includ payment subscript energi telephon bill instal payment insur premium accept giro retail trade hotel restaur drawe paye direct contact oper accept giro system accept giro system launch market end joint payment product postbank bank work plan annex ii firm decid make accept giro system paye creditor conclud contract bank paye bank contract specifi condit firm make accept giro system product servic suppli immedi firm send custom drawe accept giro form accept giro form paye order standard form bank direct printer precod firm precod form show account number firm account number custom amount payabl payment detail inform accept giro form numer code custom add signatur send sign form bank custom bank drawe bank convert code electron data mean special optic reader debit custom account autom process increas proport amount addit inform enter code form unencod data manual process electron form drawe bank pass electron data requir credit firm account giro clear institut giro clear offic postbank interpai remain bank distinct made intra bank transact paye drawe bank inter bank transact bank maintain prevent fragment inform central giro offic sort accept giro transact receiv paye account send inform giro circuit relev paye bank advantag accept giro system advantag accept giro system payment instrument ordinari transfer chequ form process transfer effect larg autom basi mean process cost effect quickli accept giro system signific administr advantag paye oper autom account system data relat process accept giro form suppli bank electron medium tape diskett financi record autom basi substanti save payment longer enter separ firm financi record addit paye receiv monei quickli develop accept giro system accept giro wide payment medium netherland million accept giro transact involv total amount approxim nlg billion eur billion process interpai bgc postbank giro clear offic process accept giro involv total amount period number firm conclud contract accept giro form rose largest bank particip accept giro system postbank abn amro rabobank figur bank account accept giro contract debit transact credit transact debit transact credit transact introduct interbank commiss nvb state notifi gsa agreement behalf bank upgrad connect giro payment circuit netherland interpai circuit origin bank giro central postbank circuit part move set nation payment circuit led increas accept giro increas absolut amount process cost nvb argu order ensur optim function singl circuit drawe bank conduct servic paye bank behalf convers written payment order electron transact nvb gsa agreement uniform interbank commiss acknowledg paye bank benefit servic effect drawe bank make proport contribut cost incur result servic agreement origin notifi gsa agreement enter forc juli indefinit period fact amend version gsa agreement notifi commiss amend relat introduct uniform commiss payabl paye bank process drawe bank accept giro form amount nlg eur process form quot interbank commiss quot stipul particip bank complet free charg bank paye bank process accept giro form level interbank commiss establish basi actual cost electron convers payment inform bank nvb effici process method bank assum advantag process drawe bank equal benefit paye drawe bank interbank commiss set half drawe bank process cost gsa agreement stipul particip form specif technic exchang take place number subject rule adopt specif rule form part notif includ proceed version origin notifi stipul particip refrain confer advantag paye connect credit payment specif account particip origin prohibit introduc accept giro procedur term agreement contrast gsa agreement notifi gsa agreement sign individu bank nvb secretariat bgc ensur agreement compli amend origin notifi agreement discuss commiss begin discuss bank involv gsa agreement commiss depart concern state object aspect agreement restrict competit event prevent grant exempt ban grant paye advantag connect hold credit account articl ban particip introduc accept giro procedur articl thirdli uniform interbank commiss articl bank provis includ earlier gsa agreement order ensur giro circuit postbank circuit hand bgc link accept giro integr payment system concern provis deem parti longer essenti subsequ scrap effect march provis fix interbank commiss amend effect march individu bank futur allow agre bilater lower amount nlg eur reimburs process accept giro form fix interbank commiss made maximum stress drawe paye bank free charg parti concern cost process accept giro form articl amend read quot reimburs cost incur drawe institut process behalf paye institut accept giro form framework gsa amount nlg charg drawe institut process accept giro form paye institut lower amount agre bilater individu bank amount establish basi cost effici mean process accept giro form adjust event cost shown chang decis subject propos institut particip gsa propos accompani documentari evid chang aforement cost reimburs cost pursuant articl leav individu institut particip gsa drawe paye institut free polici pursu respect charg cost process accept giro form gsa quot procedur reject request interim measur decis februari commiss reject request complain nederlands postorderbond interim measur commiss held view appli gsa agreement caus prejudic member nederlands postorderbond incorrect pass interbank commiss left relev bank decid individu commiss prima faci view plausibl dutch bank agre concert practic pass interbank commiss case paye commiss held question irrepar damag member nederlands postorderbond pass charg made bank part custom proceed nation court claim back establish unlaw appeal lodg decis statement object june june commiss nvb statement object argu multilater fix interbank commiss gsa agreement constitut infring articl treati condit exempt articl satisfi commiss withdrew statement object june observ interest parti notic publish septemb pursuant articl regul commiss state intend favour view agreement notifi commiss refer context decis bank formal inform busi user default natur amount interbank fee commiss refer decis bank commiss request review amount interbank fee period light report independ expert cost price effici process method publish notic commiss receiv joint observ nederlands postorderbond anwb centraal bureau fondsen werv verenigd nederlands uitgeversbedrijven nederlands organisati van tijdschriften uitgev nederlands christelijk radio verenig complain case recit henceforth refer quot complain quot observ endors overlegorgaan nutsvoorzieningen gebruikersplatform betalingsverk complain observ summaris view principl interbank commiss gsa agreement inconsist direct ec european parliament council januari cross border credit transfer assum origin bear cost transfer agre bank complain view legitim ground introduc interbank commiss merger payment circuit oper netherland constitut legitim ground deni paye bank benefit servic carri drawe bank view cost process payment order point payment made properli born drawe bank complain argu invers cost incent creat cost born origin transfer paye ii legal assess relev market relev product market accept giro system subject competit payment system limit extent accept giro design situat creditor drawe direct contact quot distanc payment quot counter payment note coin payment card quot pinpa quot nation debit card quot chipknip quot quot chipper quot nation electron purs provid real altern accept giro system payment instrument principl suitabl distanc payment transfer payment simpl bank credit transfer order chequ electron bank direct debit except point direct debit payment instrument regard real altern accept giro reason transfer chequ paper order provid real altern process cost high costli convert written inform electron data purpos process transact comput addit compar accept giro payment instrument entail signific administr disadvantag paye electron bank real option number privat custom equip pc modem small direct debit system sort viabl altern accept giro system accept giro direct debit system ideal suit payment made regular basi system custom authoris paye debit account direct prior order payment custom subsequ cancel debit payment differ accept giro direct debit system gener retail bank offer accept giro direct debit bank viewpoint consider cheaper process direct debit order accept giro transfer relev payment data suppli electron paye convert electron form direct debit transact effect fulli electron basi form involv explain bank offer direct debit cheapli paye accept giro payment instrument characterist lead drawe prefer pai accept giro direct debit consider plai part accept giro system custom sign accept giro form send bank prior payment custom opt person accept giro form bank pai amount ow subject extra cost cash current account balanc insuffici custom retain control time manner payment case direct debit control exercis pure posteriori custom reason prefer accept giro system direct debit advantag direct debit custom paye payment made time avoid penalti late payment custom action drawe choic payment system depend relationship custom compani question practic custom tend direct debit system longstand relationship compani high degre confid case util case relationship short term magazin subscript direct debit wide situat case monthli mortgag payment payment premium insur compani custom choic direct debit mandatori view characterist refer direct debit regard substitut accept giro addit characterist price factor account differ charg made bank paye custom drawe payment system factor influenc custom choic accept giro system direct debit system shortli gsa agreement enter forc juli bank proceed charg custom paye accept giro paye mail order compani newspap magazin publish pass charg full part differenti price custom accept giro direct debit offer reduct custom pai direct debit cheaper pai direct debit accept giro assum number custom drawe overcom object direct debit system statist illustr partli paye levi identifi charg accept giro charg modest accept giro gradual tail number accept giro order includ fund rais accept order process interpai bgc approxim million total nlg billion million declin approxim year period direct debit increas substanti number direct debit order approxim million total nlg billion region million increas approxim increas direct debit attribut inform campaign conduct bank paye slogan betaal op maat made measur payment design promot cheaper payment instrument interpai increas direct debit place expens accept giro case privat drawe expens manual transfer conclus notwithstand characterist accept giro direct debit system accept event cost accept giro increas relat direct debit proport drawe chang direct debit gradual declin number accept giro transact shortli accept giro charg introduc paye consequ possibl charg pass drawe tend confirm scenario relev fact betaal op maat promot campaign conduct bank paye appar degre success led downturn number accept giro increas direct debit direct debit regard limit substitut accept giro accept giro direct debit regard form relev product market relev geograph market accept giro domest payment system design payment drawe paye account netherland base bank particip accept giro system relev geograph market netherland market articl agreement undertak bank sign gsa agreement access declar undertak mean articl gsa agreement agreement undertak mean articl restrict competit relationship parti agreement payment system principl parti involv accept giro system drawe origin creditor beneficiari paye drawe bank paye bank parti direct contact parti paye bank direct relationship drawe bank laid gsa agreement direct relationship paye laid accept giro contract relationship parti payment system consid basi price agreement relationship knock effect relationship consequ payment system notifi agreement charg process cost accept giro directli concern relationship paye drawe bank interbank relationship interbank price agreement repercuss relationship paye bank paye paye drawe oper accept giro system paye bank decid pass cost interbank commiss increas commiss charg paye turn paye decid pass extra cost custom accept giro case custom decid switch payment system offer bank competitor potenti chain action reaction characterist payment system accept giro system account investig exist restrict competit price restrict relationship payment system multilater interbank commiss adequ assess examin effect relationship examin effect relationship payment system multilater interbank commiss technic speak uniform accept giro system payment system paye drawe irrespect bank account exist specif multilater basi joint agreement technic specif procedur aspect transact process order ensur system function properli practic bank involv transact reach agreement levi charg charg affirm view characterist payment system accept giro system negoti conduct advanc payment system bank process custom payment transact natur payment system mean time payment transact launch drawe paye implement immedi bank concern choic bank implement transact determin respect account holder accept giro product bank time oblig cooper partner price negoti effect place bank decid introduc interbank commiss agreement amount principl reach bilater multilater present case bank decid impos uniform multilater charg charg maximum number bank lead agre bilater charg bank seek associ bank result bilater charg appli bank agre multilater formula calcul interbank commiss vari paramet bank commiss take view agreement bilater interbank charg fall scope articl contrast agreement multilater interbank charg restrict competit caught articl significantli limit freedom bank determin charg polici multilater establish interbank commiss refer articl gsa agreement result competit restrict mean articl limit freedom bank particip agreement determin bilater basi amount commiss charg process accept giro form practic show bilater negoti interbank commiss electron process accept giro technic gsa agreement enter forc bilater agreement conclud major bank payment cost fix tariff chang maximum tariff march bank particip gsa agreement option agre bilater basi lower interbank commiss process accept giro form date particip bank option word chang interbank commiss fix charg maximum charg practic impact notic cross border credit transfer commiss state restrict competit kind repres uniform interbank commiss neg impact bank behaviour vi vi custom accept giro system interbank commiss restrict effect relationship paye bank custom establish paye bank systemat pass interbank commiss liabl custom paye tariff charg paye bank process accept giro form uniform structur increas fairli uniform fashion virtu fact interbank commiss pass interbank charg oper de facto minimum level custom charg emerg repli receiv request inform date decemb largest bank bank made direct charg busi custom accept giro subsequ charg nlg notif attach introduc abn amro effect juli date gsa agreement effect rabobank effect septemb instanc charg nlg minimum charg depend quantiti type inform provid nmb postbank groep effect januari nmb postbank explicitli state busi client charg half cost process accept giro electron amount interbank commiss document file show rabobank abn amro particip gsa agreement pass interbank commiss full show bank conclud agreement call systemat pass interbank commiss gsa agreement explicitli decid autonom pass commiss bank decid individu basi pass tariff question direct result exist gsa agreement credit bank econom cost item previous exist interbank tariff pass extent agre interbank commiss restrict effect relationship credit bank paye restrict effect multilater interbank commiss relationship paye bank custom amplifi fact particip bank intrabank accept giro transact appli charg custom paye interbank accept giro transact gsa agreement appli interbank transact make imposs busi paye avoid pai charg accept giro form event charg made low charg intrabank accept giro transfer option open account bank order reinforc intrabank charact payment flow avoid higher charg interbank accept giro transfer restrict competit appreci bank particip accept giro system netherland bound gsa agreement agreement cover market suffici strong competit system limit consequ interbank tariff custom charg compar interbank tariff exist system sole altern accept giro system limit altern direct debit charg interbank commiss gsa agreement agreement object effect prevent restrict distort competit direct indirect fix purchas sell price mean articl notic pursuant articl regul commiss state intend favour view gsa agreement light judgment court justic januari join case bagnasco banca popolar di novara commiss conclus gsa agreement fall scope articl requir appreci effect trade member state fulfil reason effect trade member state gener court justic consist held order agreement undertak affect trade member state forese suffici degre probabl basi set object factor law fact influenc direct indirect actual potenti pattern trade member state prejudic realis aim singl market member state effect trade member state result combin factor separ necessarili decis court likewis consist held articl treati appli agreement shown capabl appreci affect trade member state light case law court justic gsa agreement provis interbank commiss capabl affect trade member state factor consider gsa agreement extend ojth territori netherland accept gsa agreement interbank commiss refer extend territori netherland bank wish offer accept giro netherland oblig practic sign gsa agreement paye drawe necessarili account bank bank accept giro form custom accept bank custom counterparti court justic rule number case behaviour restrict competit extend territori member state natur effect reinforc compartmentalis market nation basi hold econom interpenetr treati design bring suffici show appreci effect trade member state factor account fact relev connect econom activ concern accept giro particip accept giro system limit firm paye individu origin base netherland open hold account bank particip accept giro system econom activ concern payment accept giro larg limit netherland territori contractu provis natur case suppli good servic ga electr telephon demand accept giro custom paye drawe accept giro payment instrument conclud cross border natur accept giro limit particip netherland bank consider demand accept giro product suppli bank offer accept giro clear branch subsidiari netherland bank particip accept giro system signific extent nvb end bank particip accept giro system foreign bank foreign bank member state commun subsidiari branch proport accept giro system account foreign bank modest total accept giro contract overwhelm major conduct behalf major bank abn amro rabo ing bank postbank foreign bank account accept giro contract conclud account modest share accept giro transact process debit credit import particip gsa agreement netherland bank mid total bank activ netherland market netherland bank foreign bank member state countri foreign bank activ netherland offer accept giro product foreign bank offer product sign gsa agreement opportun offer product import factor decid enter netherland market limit import recit conclus light factor gsa agreement capabl appreci affect trade member state adopt decis articl basi fact possess ground articl treati action part commiss respect gsa agreement notifi nederlands verenig van banken nvb articl decis address de nederlands verenig van banken singel nl ab amsterdam brussel septemb commiss karel van miert member commiss oj oj oj oj nvb notifi gsa agreement behalf member parti agreement sign agreement acknowledg appris content complaint januari case iv complaint june septemb februari case iv joint complaint octob case iv letter nvb date march file letter abn amro date februari letter rabobank date februari letter ing date februari letter nederlands spaarbankbond date februari letter nvb lawyer date march letter interpai date februari bank perfect advanc imag technolog replac optic read system begin paye wish receiv accept giro document back process user accept giro attach imag print accept giro convert electron data interpai annual report letter interpai date februari part text edit ensur confidenti inform disclos part enclos squar bracket mark asterisk letter ing bank date februari footnot letter interpai date februari letter ing bank date februari footnot process bring bank payment circuit interpai postbank circuit closer culmin set nation payment circuit nationa betal circuit nvb annual report clarif notif juli supplementari clarif septemb letter octob file oj commiss notic definit relev market purpos commun competit law oj bgc annual report interpai annual report letter interpai date februari interpai annual report pp drawe bank paye bank case transact intrabank transact case prior entri forc gsa agreement case netherland atm commiss notic applic ec competit rule cross border credit transfer oj point nederlands verenig van banken commiss decis eec oj paragraph nvb challeng decis held inadmiss court instanc septemb case ecr repli bank request inform august januari show virtual bank continu charg standard charg nlg notif attach practic deviat standard charg enclosur repli nmb postbank groep januari letter ing bank busi custom date januari letter busi custom abn amro date octob octob letter abn bank nederland date juli letter rabobank heerlen date march letter hollands koopmansbank date februari letter bank mend gan nv date decemb letter commerzbank nederland nv date novemb connect paragraph notic cross border credit transfer footnot publish ecr inter alia case remia commiss ecr inter alia case gottrup klim dansk landbrug grovvareselskab ecr paragraph inter alia case ferrier nord commiss ecr paragraph inter alia judgment court justic case vereenig van cementhandelaren commiss ecr paragraph judgment court instanc case spo commiss ecr ii paragraph footnot abi commiss decis eec oj recit result strong financi ti foreign parent compani branch netherland branch extens relev parent compani irrespect legal statu activ branch part trade member state judgment court justic case verband der sachversicher commiss ecr subsidiari foreign bank base netherland regard foreign bank de nederlandsch bank resid sharehold dnb annual report dnb repli request inform date august nvb definit nvb annual report bagnasco judgment footnot demonstr court particip branch subsidiari foreign bank relev issu trade member state affect letter nvb date march march gener bank cooper bank save bank mortgag bank annex vi letter nvb date juli annex overview bank particip gsa agreement abn amro bank nv aegon bank nv asahi bank nederland nv asr bank nv avcb bank nv banco di brasil sa banco estado de são paulo sa banco exterior de españa sa bank bercoop nv bank brussel lambert nv bank insing de beaufort nv bank laboucher nv bank mend gan nv nv bank nederlands gemeenten bank america nt amp sa bank tokyo mitsubishi holland nv banqu artesia nederland nv barclai bank plc chang hwa commerci bank europ nv citibank na commerzbank nederland nv crediet amp effectenbank nv dai ichi kangyo bank nederland nv nv de indonesisch overzees bank de nederlandsch bank delta lloyd bank nv demir halk nederland nv deutsch bank ag van lanschot bankier nv fgh bank nv forti bank nederland nv frieslandbank nv fuji bank nederland nv general bank nederland nv gwk bank nv hollands koopmansbank nv ing bank nv ka associati nv kbc bank nederland nv koçbank nederland nv korea exchang bank lloyd bank plc meespierson nv nation bank greec nederlands waterschapsbank nv ohra bank nv ov bank nv postbank nv rabobank nederland roparco nv san paolo bank sb agro bank nederland nv sn bank nederland nv staal bankier nv theodoor gilissen bankier nv tokai bank nederland nv triodosbank nv unit garanti bank intern nv annex ii joint payment accept giro procedur quot gsa quot gt pic file quot en ep quot gt