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RAPPORT (COM(2023)0368 – C90214/2023 – 2023/0211(COD))

Sur la proposition de règlement du Parlement européen et du Conseil relatif à la fourniture de services en euros numériques par les prestataires de services de paiement constitués dans des États membres dont la monnaie n’est pas l’euro et modifiant le règlement (UE) 2021/1230 du Parlement européen et du Conseil

A-10-2026-0183

Commission des affaires économiques et monétaires · Rapporteur: Fernando Navarrete Rojas

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✦ In short · AI summary of this text, generated 4 Sept 2026

Written by a language model from the full text only; every figure comes from the text. The paragraph links open the paragraph a statement rests on — check the text itself before relying on it.

Parliament's amended version of the proposed regulation on digital euro services by payment service providers in non-euro member states. It sets rules for distribution, supervision, and impact monitoring. It allows these providers to offer digital euro services to various users, including euro-area residents, visitors, and others, under conditions. It also mandates basic services for certain credit institutions and amends related regulations.

Committee position. The Committee on Economic and Monetary Affairs proposes that Parliament adopt its position at first reading, amending the Commission proposal as set out.

Key points

  1. Payment service providers in non-euro member states may provide digital euro services to euro-area residents, former residents, visitors, and others under specified conditions.
  2. The European Central Bank may restrict access for former residents and visitors.
  3. Providers may serve merchants in non-euro states or third countries, subject to national law.
  4. Credit institutions in non-euro states must provide basic digital euro services to eligible clients if they meet size and duration thresholds.
  5. Such credit institutions may refer clients to branches in euro states to fulfill obligations.
  6. Obligations lapse if conditions not met for three consecutive years, but existing clients retain services.
  7. Providers must comply with mandatory acceptance rules for payees in euro states if they already offer acquiring services.
  8. Non-euro member states must designate authorities to monitor digital euro impact on national currency and report every three years.
  9. If digital euro use exceeds 10% of cross-border retail payments, reports must recommend suspending certain rules for six months.
  10. Supervision and sanctions follow relevant directives, with cooperation with the European Central Bank where appropriate.
  11. Amends Regulation (EU) No 910/2014 to require fair access for digital euro providers to European Digital Identity Wallet features.
  12. Amends Regulation (EU) 2021/1230 to define 'funds' as central bank money issued for retail use, scriptural money, or electronic money.

Who is affected

  • Payment service providers in non-euro member states: gain rights and obligations for digital euro distribution.
  • Credit institutions in non-euro states with many euro-area clients: must provide basic digital euro services.
  • Merchants in non-euro states or third countries: may receive digital euro payments under conditions.
  • Non-euro member states: must monitor digital euro impact and report.
  • Providers of European Digital Identity Wallets: must ensure fair access for digital euro providers.

Figures and deadlines

  • 400 000 natural persons residing in the euro area
  • 5 % of natural persons residing in a single Member State
  • three consecutive years
  • 10 % of cross-border retail payments
  • six months

Legal basis: Article 114 of the Treaty on the Functioning of the European Union