commiss recommend februari transpar bank condit relat cross border financi transact eec commiss european commun regard treati establish european econom commun articl thereof remov econom barrier commun progress achiev field monetari bank cooper foster direct adopt singl european act logic lead increas purchas good servic member state greater mobil individu worker tourist pension free movement individu product increas number cross border financi transact number oper carri transact intern transfer system oper complex system nation transfer intermediari institut involv clear arrang appli countri currenc exchang transact take place view complex qualifi staff wider rang check need case nation transfer add significantli cost time need cross border financi transact undertak transact inform advanc cost time need rule conduct base common principl transpar inform suppli detail statement relat transfer fund encourag institut undertak cross border financi transact estim cost accur ration method transfer custom inform link choic mean commerci polici bank institut subject uniform bind rule introduct refer period essenti order make assess price charg cross border transact preserv confid effect receiv transfer nation depart special deal complaint connect cross border financi transact requir special attent institut member state involv member state bind legisl transpar bank condit expedi member state amend legisl insert rule relat sole cross border transact appli fortiori member state legisl transpar cover entir servic sector simpli bank transact number member state retain proven cooper procedur order improv relat financi institut user recommend enabl compet author secur voluntari basi cooper institut concern instrument bring chang behaviour devis structur apt reduc cost cross border transfer condit free competit recommend member state ensur institut undertak cross border financi transact mean recommend appli principl set annex ii member state notifi commiss septemb name address bodi refer paragraph sixth principl set annex brussel februari commiss leon brittan vice presid annex principl govern transpar bank condit relat cross border financi transact gener aim principl set recommend make transpar inform suppli invoic rule observ institut concern connect cross border financi transact defin principl appli categori custom institut concern prejudic possibl allow custom benefit favour bank condit virtu size transact transact involv institut concern refer institut mean legal person credit institut postal servic provid facil effect facilit cross border transfer purpos recommend branch institut deem institut cross border financi transact mean transfer defin institut transferor transfere situat member state transfer mean complet movement fund denomin ecu currenc legal tender member state transferor transfere hold account institut situat member state transfer order mean written oral electron instruct institut credit account person sum monei arrang instruct execut institut transferor mean person issu transfer order transfere mean final recipi receiv fund member state transfer order issu oper credit account notif enabl obtain payment fund principl institut bring attent custom easili understand readili inform concerniang cross border financi transact principl appli wai notic perman form inform draw attent cost time need cross border financi transact encourag custom seek inform standard inform form notic booklet brochur mean provid inform amount percentag commiss fee charg appli institut respect transact invoic transferor transfere cross border financi transact undertaken provis relat date inform specif natur form booklet brochur mean provid inform transferor request procedur appli institut execut order estim intermediari bank expect charg time need due regard procedur principl statement relat cross border financi transact institut inform custom detail commiss fee charg invoic exchang rate appli principl appli institut concern statement document hand custom transferor transfere exchang rate appli convert amount foreign currenc amount commiss fee fee appli invoic institut list amount tax payabl natur amount charg payabl custom natur amount addit invoic principl prejudic possibl transferor choos wai apport commiss fee charg transferor institut inform custom order commiss fee charg impos transmit order remain payabl transferor invoic transfere commiss fee charg invoic transfere institut custom place fund dispos remain payabl invoic transferor transferor specif instruct institut ensur transfere credit exact amount shown transfer order recommend institut appli method transfer make achiev result undertak transfer oper inform transferor addit amount invoic amount repres bind estim institut appli flat rate calcul principl appli make transferor want transfere credit exact amount prior inform base flat rate calcul estim account averag commiss fee charg appli institut countri transfere inform permit accur calcul amount estim smaller amount commiss fee charg payabl differ invoic transferor fourth principl absenc instruct contrari case forc majeur intermediari institut deal transfer order work dai receipt fund order give notif refus execut order forese delai institut issu order transferor institut transferor obtain refund part cost transfer event delai execut order principl appli expiri period work dai transferor institut pai amount transfer order transfere institut intermediari institut transfere institut intermediari institut notif work dai receipt transfer order refus execut order receiv transfere institut notif refus execut order recipi institut period work dai receipt fund transfer order issu transfere institut intermediari institut transfer order instruct transfer proce fashion principl transfere institut fulfil oblig aris transfer order work dai receipt fund order order stipul date execut transfere institut unabl execut order time paragraph inform institut issu order transferor institut reason failur execut order delai execut sixth principl institut particip cross border financi transact capabl deal rapidli complaint lodg transferor transfere connect execut transact statement relat action complaint answer receiv month complain refer matter member state bodi compet deal complaint user list address nation bodi request institut undertak cross border financi transact appli principl entrust task deal complaint bodi independ parti concern form part public sector ministeri depart central bank specialist bodi ombudsman offic contact committe compris bank repres user