commiss decis juli relat proceed articl eec treati iv dutch bank dutch text authent eec commiss european commun regard treati establish european econom commun regard council regul februari regul implement articl treati amend act access spain portug articl thereof regard applic neg clearanc notif submit nederlands bankiersverenig march octob novemb decemb regul decis circular issu verenig van deviezenbanken sticht bevord chequeverk verenig van bemiddelaar onderhands leningen colleg van overleg der gezamenlijk banken number agreement organ verenig voor de effectenhandel verenig van wisselmakelaar directli indirectli parti regard commiss decis januari initi proceed case parti concern conjunct commiss regul eec juli hear provid articl council regul opportun heard matter commiss object regard written comment parti concern oral comment thereon hear held novemb publish summari provis notifi forc accord articl regul consult advisori committe restrict practic domin posit fact march octob novemb decemb nederlands bankiersverenig dutch banker associ notifi commiss regul decis circular issu dutch organ oper financi sector number agreement organ directli indirectli parti ask commiss grant neg clearanc certifi ground articl treati action provis notifi altern grant exempt basi articl prohibit laid articl associ undertak concern nederlands bankiersverenig nbv set regist offic amsterdam object promot interest bank netherland broadest sens word statut endeavour pursu goal ensur uniform term condit nbv member provid servic definit servic charg attach ensur greater transpar promot preserv healthi competit mainten strong financi basi dutch bank member context establish minimum charg relev servic individu compani institut regist govern regist credit institut member nbv seventi member nbv includ purpos clear bank regist credit institut nbv member includ cooper bank affili cooeper central raiffeisen boerenleenbank bv rabobank rabobank includ great major cooper bank netherland save bank affili nederlands spaarbankbond postbank nv prior januari postchequ en girodienst rijkspostspaarbank pcgd rp state own provid financi servic compar provid nbv member verenig van deviezenbanken associ foreign exchang bank vdb set regist offic amsterdam object promot close consult dutch monetari author optimum execut transfer payment resid netherland resid statut vdb pursu goal ensur align term condit vdb member perform servic view promot mainten sound financi basi member busi activ preserv healthi competit membership vdb open privat public unincorpor compani establish netherland undertak establish abroad author relev dutch legisl act intermediari transfer payment resid resid author purpos bank nbv member member vdb rabobank postbank bank der bondsspaarbanken nv except bank subsidiari dutch central bank author institut member vdb total sixti sticht bevord chequeverk offic promot chequ transact sbc set regist offic amsterdam object promot chequ bank affili sbc rabobank member nbv bank insitut accept sbc board affili bank affili bank level capit provid guarante discharg oblig bank affili sbc member nbv vdb verenig van bemiddelaar onderhands leningen associ intermediari loan promissori note vbol set regist offic amsterdam object promot interest intermediari deal loan promissori note statut pursu object ensur uniform term condit member provid servic definit servic charg attach ensur greater transpar membership vbol open individu compani busi act intermediari rais place loan promissori note half member vbol member nbv vdb major bank institut member colleg van overleg der gezamenlijk banken interbank consult committe cvo secretariat amsterdam june central bodi deal matter jointli affect nbv rabobank bank affili nederlands spaarbankbond postbank coordin organ june cvo activ nederlands verenig van banken dutch associ bank pratic activ nbv vdb associ date wound verenig voor de effectenhandel associ trade secur veh set origin form regist offic amsterdam object promot interest secur trade broadest sens statut pursu goal provid stock exchang room carri secur trade establish publish price draw rule provis secur trade includ minimum charg commiss rebat bind member membership veh open individu compani carri secur trade netherland larg number veh member member nbv vdb verenig van wisselmakelaar associ bill broker vwm set origin form regist offic amsterdam object promot interest monei exchang market broadest sens word membership vwm open individu compani act broker nation intern monei exchang market membership vwm compat membership nbv vdb vwm includ bill broker purpos foreign exchang bank member nbv vdb close link exist vwm vdb nbv statut vwm vwm board propos amend statut regul consult vdb repres nbv vdb involv admiss member vwm veto posit relev financi institut financi sector netherland share categori financi institut total deposit lodg dutch financi institut period estim purpos bank cooper bank rabobank save bank exclud rp postbank postbank institut share categori financi institut total asset dutch financi institut period estim purpos bank cooper bank radobank save bank exclud rp postbank postbank institut proceed object decis februari notif nbv provis commiss associ undertak list statement object cover vast major provis notifi provis cover statement object fulli point concern charg relev financi institut commiss rate margin applic date invoic cost form solicit custom exlcus arrang provis concern relat financi institut relat financi institut custom privat busi custom financi institut hereinaft refer custom number provis concern type relat statement object discuss commiss hear relev parti withdrew amend larg number provis cover statement object decis commiss grant exempt provis amend neg clearanc amend provis number unamend provis respect basi inform receiv commiss deem amend decis appli gener term condit bank recommend nbv member agreement interest rate agreement cooper financi institut respect electron transact bank card provis establish sticht bureau kredietregistrati credit registr offic particip compani credit registr system offic commiss reserv posit provis provis distinct made provis withdrawn outright maintain notifi amend provis withdrawn provis withdrawn briefli detail descript annex provis withdrawn includ firstli regul notifi nbv regul number xiv stipul minimum condit minimum commiss appli financi institut member affili nbv vdb sbc vbol servic regul appli regul part thereof withdrawn regul articl pass cost round figur commiss regul ii minimum commiss number servic gener provid transfer payment regul iii minimum commiss number intern payment servic regul iv minimum commiss respect eurochequ guarante chequ regul minimum commiss transact foreign banknot travel chequ regul vi minimum commiss foreign transfer regul vii minimum commiss servic connect letter credit regul viii minimum commiss servic connect bill exchang promissori note regul ix minimum commiss provis sort guarante regul minimum commiss servic relat collect regul xi minimum commiss servic includ servic connect secur regul xii date regul xiii regul transact foreign banknot regul foreign exchang transact provid minimum rate margin purchas sale foreign banknot foreign exchang transact regul noteringscommissi vreemd bankpapi foreign banknot quotat committe provid concert fix rate margin purchas sale foreign banknot regul xiv minimum commiss respect loan promissori note agreement nbv vdb veh minimum commiss servic relat secur connect regul xi withdrawn servic question servic perform member nbv vdb veh foreign financi institut addit agreement abovement regul nbv vdb sbc vbol parti termin provis vwm regul minimum commiss charg vwm member act intermediari financi transact agreement betwe vdb vwm give vwm member exclus act intermediari vdb member foreign exchang transact vdb circular abolit telex postag charg bank provid pass charg custom nbv circular impos strict limit gift bonus offer bank servic statement object commiss inform parti concern abovement provis restrict competit elig exempt articl provis restrict scope undertak concern basi individu cost profit profit term condit market determin independ individu part commerci busi polici price condit appli servic provid custom bank basi inform time commiss inform parti concern statement object charg minimum commiss laid regul xiv list paragraph result discrimin charg prescrib compar bank servic case case servic commiss prescrib depend bank servic provid bank member associ concern bank abroad member relev associ commiss charg bank abroad member includ dutch bank member higher charg member associ concern member case higher commiss charg bank abroad case transfer resid resid commiss charg case higher stipul transfer account held resid netherland held abroad bank servic compar case commiss charg transfer resid resid provis made except effect commiss charg transfer involv secur transact carri vdb member meant vbd member charg commiss transact carri vdb member charg commiss transact carri member bank concern object differ type transfer statement object commiss inform parti concern differ commiss prescrib transfer resid resid account account held dutch bank rate commiss effect charg transfer resid account attribut differ oper carri type transfer account cost differ addit oper transfer resid resid account compar account resid inform provid nbv notif central bank inform provid nbv cost notif central bank number cost basi commiss prescrib singl differ account level commiss prescrib transfer resid resid account statement object commiss view prescrib commiss refer paragraph meant bank member associ concern custom supplier transfer made directli indirectli disadvantag competit market servic provid product suppli higher cost result charg commiss concern parti concern withdrawn regul provid abovement differ commiss longer commiss examin commiss laid regul deem discriminatori unfair respect written repli statement object discuss commiss parti concern propos minimum commiss charg custom pursuant regul replac minimum commiss bank charg commiss chargeabl custom determin bank individu parti convinc commiss meet condit exempt articl shown agreement inter bank commiss success implement form cooper posit number bank posit commiss except case necess establish agreement inter bank commiss capabl obtain exempt articl parti concern withdrew abovement provis part effect januari withdrew remain provis effect octob except regul xi articl regul xii date withdrawn effect decemb regul foreign exchang transact contain regul xiii withdrawn vdb circular januari provis withdrawn provis maintain parti concern unamend amend main amend mention regul introduct articl provis documentari credit dealt conform uniform rule documentari credit intern chamber commerc order accept collect dealt conform uniform rule collect intern chamber commerc member oblig deal behalf member order accept collect respect custom netherland oblig provis appli order dealt staatsbedrijf der posterijen telegrafi en telefoni ptt final regul appli member establish netherland respons statement object parti concern delet provis pass charg client round figur commiss regul xiii foreign exchang transact regul valutanoteringscommissi regul version modifi commiss request commun vdb member circular april valutanoteringscommissi foreign exchang quotat committe member appoint vdb board respons daili fix refer middl rate foreign currenc dealt middl rate refer basi foreign currenc transfer establish spot transact forward transact term refer rate determin conform guidelin procedur laid regul valutanoteringscommissi basi latest market develop put forward daili meet propos refer rate determin dai foreign exchang bank broker object rate propos object result adjust refer rate object support actual bid offer minimum amount regul bid offer carri accept origin notifi regul provid vdb board establish minimum margin vdb member add deduct middl rate margin includ vdb regul foreign exchang transact refer paragraph stipul margin middl rate establish fix appli foreign exchang transact regul provis margin regul valutanoteringscommissi withdrawn commiss request decis uniform condit hire safe cvo decis bank repres cvo appli uniform condit let safe includ uniform maximum amount bank liabil limit event damag theft decis charg postag paid envelop cvo decis bank repres cvo decid negoti jointli ptt author ptt charg postag paid envelop bank provid custom correspond result uniform ptt charg decis sale gift voucher cvo decis bank repres cvo sell gift voucher behalf local tourist organ gift voucher spent varieti local shop choic recipi voucher cvo sale voucher ancillari activ insignific compar bank servic involv disproportion cost circular simplifi clear procedur chequ denomin guilder foreign currenc vdb circular provid procedur arrang simplifi rapid clear chequ denomin guilder foreign currenc involv parti resid netherland procedur aim replac wide foreign currenc labour intens procedur hitherto appli normal send chequ collect rule contain circular includ rule uniform date applic relat bank stipul date exceed receiv bank request payment interest bank version notifi circular chequ denomin guilder provid uniform date appli relat relev bank uniform date appli bank vi vi custom version notifi circular chequ denomin foreign currenc provid uniform date appli relat relev bank uniform date appli bank vi vi relev foreign bank commiss consid uniform date custom foreign bank ensur proper interbank cooper clear chequ sought circular vdb commiss request withdrawn uniform date custom foreign bank circular forward transact foreign currenc vdb circular suggest vdb member carri forward transact foreign currenc custom privat individu impos supplementari condit condit addit gener condit impos bank text supplementari condit custom request bank provid addit secur fail bank effect transact immedi annul cost damag aris annul payabl custom circular account deal foreign exchang dealer vdb circular compris code behaviour regard organ foreign exchang deal member code exchang dealer offic agenc member carri exchang transact account prior author transact superior manag employe member carri foreign exchang transact offic account intermediari arbitrag depart offic agenc member establish employe carri transact account legal independ bank circular lai guidelin swift payment transfer foreign currenc foreign currenc bank vdb circular rule transfer deem receiv date list perman foreign correspond agreement open open telephon line agreement vdb vwm vdb circular implement stipul open open telephon line telephon connect bank bill broker arbitrag bank listen telephon line deem prejudici anonym parti confidenti agreement parti regard fundament principl govern activ dealer agreement gift bonus offer incent saver agreement cvo organ repres retail trade code behaviour gift bonus offer incent saver aim code behaviour ensur offer gift bonus saver bank enter competit consid unfair retail trade principl bank relat good servic offer attract saver bank offer bonus relat recreat event subscript reduct event agreement transfer relat fund rais accept agreement nbv rabobank nederlands spaarbankbond postbank lai uniform commiss charg drawe bank paye bank handl type transfer fund rais accept transfer predominantli voluntari natur charit object observ parti commiss receiv observ parti respons public accord articl regul summari provis maintain forc observ caus commiss reserv posit provis establish sticht bureau kredietregistrati particip compani establish netherland credit registr system sticht rest observ lead commiss reconsid posit ii legal assess articl undertak associ undertak bank financi institut concern bill broker undertak mean articl nbv vdb sbc vbol veh vwm cvo undertak member associ undertak mean provis agreement undertak decis associ undertak agreement maintain forc agreement undertak mean articl regul decis maintain forc decis associ undertak mean provis appli circular maintain forc drawn relev organ basi power confer intend influenc behaviour relev member affili restrict competit provis restrict competit commiss consid provis restrict competit restrict appreci prohibit articl regul introduct articl articl provis deal documentari credit order accept collect paragraph circular account deal foreign exchang dealer circular code behaviour relat organ foreign exchang deal vdb member paragraph circular lai guidelin swift payment transfer transfer foreign currenc foreign currenc bank circular practic rule transfer paragraph agreement open open telephon line agreement lai rule involv parti telephon connect bill broker bank paragraph abovement provis concern charg fee term condit affect competit present form appreci extent prevent undertak concern compet regul xiii foreign exchang transact regul valutanoteringscommissi regul establish foreign exchang refer rate paragraph present form longer restrict competit appreci extent result fix middl rate refer basi financi commerci transact rate establish basi procedur take account suppli demand actual trade relev foreign currenc place light inform provid vdb commiss regard real scope arbitrag market particip situat commiss consid conclud justifi rate establish procedur competit plai role market particip decis influenc rate determin time framework procedur transact parti netherland abroad middl rate determin fix mandatori bank bill broker market member free light market situat natur transact agre bui sell rate choos option applic middl rate favour favour bui sell rate coupl charg commiss decis charg postag paid envelop decis charg postag paid envelop paragraph appreci restrict competit bank concern provid client postag paid envelop charact independ servic exist separ market relat specif bank servic assum cost provid client postag paid envelop form part gener cost bank concern insignific part cost connect relev decis leav bank free decid provid custom postag paid envelop practic bank make freedom wai light forego take account market posit ptt relat postag paid envelop regard fact inform suppli parti commiss bank similar decis conclud similar agreement product servic purchas appear justifi commiss conclud decis appreci restrict competit bank decis sale gift voucher decis sale gift voucher paragraph appreci restrict competit bank concern parti concern state sale gift voucher regard neglig ancillari activ part bank decis appreci restrict competit trader sell product gift voucher relat circular forward transact foreign currenc circular addit secur provid custom connect forward transact foreign currenc paragraph appreci restrict competit bank bank remain free decid request addit secur enter consult custom order find arrang suitabl agreement gift bonus offer incent saver agreement gift bonus offer incent saver paragraph appreci restrict competit bank remain free offer gift bonus form good servic fall area normal activ bank addit agreement activ regard provis restrict competit commiss consid provis restrict competit decis uniform condit hire safe decis paragraph restrict scope undertak concern determin independ basi cost profit part commerci busi polici term condit appli custom hire safe restrict competit bank provis servic circular simplifi clear procedur chequ denomin guilder foreign currenc circular provid procedur arrang simplifi rapid clear chequ denomin guilder foreign currenc paragraph similarli restrict competit limit scope bank concern agre bilater simplifi rapid process procedur favour date unabl make mean absenc circular obtain condit bilater relat individu bank custom benefit competit relev bank custom indirectli restrict servic concern agreement transfer relat fund rais accept agreement transfer relat fund rais accept interbank commiss transfer paragraph deem restrict competit agreement restrict scope relev bank agre bilater reimburs cost favour similarli make optimum resourc agreement obtain favour condit bilater relat bank pass custom competit relev bank custom indirectli restrict servic relat relev transfer provis refer paragraph restrict competit appreci extent bank involv provis account total deposit asset bank oper netherland effect trade member state provis affect trade member state commiss view provis restrict competit appreci affect trade member state decis uniform condit hire safe provis appreci affect trade member state servic natur connect trade member state good servic inform provid parti concern insignific made consum member state branch bank member state establish netherland branch form integr part bank directli involv trade servic member state offer safe hire agreement transfer relat fund rais accept agreement similarli appreci effect trade member state servic concern provid bank establish netherland branch bank member state particip insignific extent predominantli charit object transfer concern connect trade good servic member state final assum drawe final consum relev interbank servic includ virtual drawe establish member state provis affect trade member state trade member state affect circular simplifi clear procedur chequ denomin guilder foreign currenc appli clear chequ respect resid netherland involv circular affect transfer payment foreign exchang deal member state articl circular simplifi clear procedur chequ denomin guilder foreign currenc meet condit requir exempt articl reason improv suppli bank servic circular result improv payment system applic uniform procedur standard form fact chequ longer collect relev bank short period debit drawe bank bank concern simplifi activ bank central applic clear procedur bank offic contribut clear chequ carri rapidli benefit consum consum receiv fair share improv achiev circular result recipi chequ credit rapidli case normal collect procedur appli introduct simplifi procedur indispens natur restrict uniform date period clear place make appli sanction provid circular bank compli period requir bank concern pai bank interest amount chequ period date exceed element agreement essenti ensur reliabl success simplifi rapid clear method scope competit circular afford bank concern possibl elimin competit respect substanti part servic question directli govern relat bank custom bank remain free determin date appli custom date appli clear chequ area competit regard chequ take place ultim recipi chequ choic accept chequ form payment articl regul pursuant articl regul decis take effect date vdb commiss amend version circular exempt provid decis relat pursuant articl regul exempt result decis grant initi period ten year regard extent restrict competit result technolog develop accord articl vdb requir notifi commiss immedi direct indirect addit amend circular adopt decis articl basi fact commiss find ground action articl eec treati provis notifi nederlands bankiersverenig regul introduct articl regul xiii foreign exchang transact regul valutanoteringscommissi version commun member verenig van deviezenbanken circular april associ decis uniform condit hire safe decis charg postag paid envelop decis sale gift voucher circular forward transact foreign currenc circular account deal foreign exchang dealer circular lai guidelin swift payment transfer foreign currenc foreign currenc bank agreement open open telephon line agreement gift bonus offer incent saver agreement transfer relat fund rais accept articl pursuant articl eec treati provis articl declar inapplic period circular drawn verenig van deviezenbanken simplifi clearanc procedur chequ denomin guilder foreign currenc articl verenig van deviezenbanken requir inform commiss forthwith direct indirect addit amend circular refer articl articl decis address associ undertak undertak nederlands bankiersverenig keizersgracht ew amsterdam netherland verenig van deviezenbanken keizersgracht ew amsterdam netherland verenig van wisselmakelaar keizersgracht ew amsterdam netherland member colleg van overleg van de gezamenlijk banken addit nederlands bankiersverenig cooeper central raiffeisen boerenleenbank ba croeselaan cb utrecht netherland nederlands spaarbankbond singel ab amsterdam netherland postbank nv haarlemmerweg bl amsterdam netherland brussel juli commiss sir leon brittan vice presid oj oj oj annex provis refer paragraph decis relat specif condit appli financi institut concern regul introduct articl provis contain rule gener charact compli nbv vdb sbc vbol member appli regul rule relat liabil payment commiss charg commiss mention invoic rule provid amount charg basi regul round nearest guilder multipl thereof appli minimum commiss member pass client parti cost postag commun correspond cost regul ii transfer payment gener regul appli nbv member laid minimum commiss number servic gener involv transfer payment commiss bank charg custom servic relat receipt process order telephon cash transfer account parti payment account holder draw chequ bank concern bank abroad articl commiss bank charg custom servic relat cash credit articl regul iii domest transfer payment regul nbv member charg custom minimum commiss handl chequ denomin guilder ordinari eurochequ articl process carri payment foreign currenc resid transfer chequ articl regul iv eurochequ regul applic vdb sbc member laid minimum commiss bank charg custom issu eurochequ card articl cash eurochequ amount greater guilder articl cash chequ guarante bank abroad standard eurochequ articl regul transact relat travel regul vdb member charg minimum commiss custom bui sell foreign banknot travel chequ articl bank abroad deposit vdb member travel chequ foreign bank concern articl regul vi foreign transfer payment regul requir vdb member charg minimum commiss custom transfer receiv payment resid resid articl account held resid netherland abroad articl resid irrespect account held articl servic relat currenc permit issu dutch central bank articl conclus extend forward transact foreign currenc articl handl return unpaid chequ articl bank servic articl regul commiss transfer receiv payment resid resid charg secur transact carri vdb member regul vii letter credit regul nbv member charg minimum commiss servic relat letter credit articl bulk servic commiss charg bank custom regul viii accept underwrit defer payment regul nbv member charg bank custom minimum commiss accept bill exchang sign promissori note underwrit bill exchang undertak carri payment futur point time servic carri parti articl regul ix guarante regul nbv member charg custom bank minimum commiss provid sort guarante servic articl regul collect regul requir nbv member charg custom bank minimum commiss number servic relat collect articl regul xi servic provis nbv member charg minimum commiss type servic involv firstli administr servic provid custom respect secur articl regard administr servic provid foreign profession respect secur articl provid special rate charg agre nbv vdb veh initi veh provis laid minimum commiss nbv member charg custom servic relat safe custodi good hire safe night safe articl lastli provis laid minimum commiss nbv member charg custom case servic bank number servic provis bank inform act intermediari purchas treasuri bill provid bank refer tender public contract articl regul xii fix date regul stipul nbv member dai amount debit credit enter current account includ calcul interest regul amount debit credit bank debit credit bank account earlier date clear bank custom current account dai earlier date regul xiii foreign exchang transact regul consist part part withdrawn vdb regul foreign exchang transact regul vdb member allow carri foreign exchang transact bui sell foreign banknot charg custom favour rate margin rate establish valutanoteringscommissi minimum margin laid regul transact singl foreign currenc exceed equival guilder expressli request custom vdb member charg favour rate margin regul relat forward transact articl regul transact foreign banknot regul vdb member allow purchas sell foreign banknot charg custom favour rate margin rate establish noteringscommissi vreemd bankpapi margin stipul regul equival transact exceed guilder vdb member charg favour rate articl regul noteringscommissi vreemd bankpapi regul noteringscommissi vreemd bankpapi member appoint board vdb task establish daili middl rate foreign banknot member noteringscommissi practic repres largest bank algemen bank nederland rabobank amsterdam rotterdam bank nederlands middenstandsbank agre rate telephon regul stipul board vdb establish minimum margin vdb member reduc increas rate aim bui sell rate appli margin subsequ laid regul transact foreign banknot refer articl regul xiv regul vbol regul vbol member charg minimum commiss act intermediari loan base promissori note assign loan parti regul vwm regul provid uniform commiss vwm member charg act intermediari transact involv treasuri bill minimum commiss act intermediari bring nation intern interbank deposit regul stipul expressli vwm member prohibit charg lower commiss establish regul vwm consult nbv vdb vwm member give refund rebat custom except reduct grant vdb member transact involv foreign currenc agreement act intermediari foreign currenc transact agreement conclud vdb vwm basi call parti act intermediari foreign exchang transact vdb member make servic vwm member case servic bill broker establish netherland case intern deposit accept domest counterpart case intern deposit made servic broker establish abroad vdb circular telex postag cost circular provid vdb member abolish charg telex postag cost accord circular cost continu pass vdb member custom nbv circular gift bonus offer bank servic circular contain code behaviour nbv member basi monei prize offer open save account open payment account grant loan insur brokerag servic relat travel addit monetari price amount guilder offer part promot activ limit durat circular intend serv implement reach agreement gift bonus offer bank servic refer paragraph decis