Skip to content
DRAFT REPORT (COM(2023)0368 – C90214/2023 – 2023/0211(COD))

On the proposal for a regulation of the European Parliament and of the Council on the provision of digital euro services by payment services providers incorporated in Member States whose currency is not the euro and amending Regulation (EU) 2021/1230 of the European Parliament and the Council

ECON-PR-778135

Committee on Economic and Monetary Affairs · Rapporteur: Fernando Navarrete Rojas

Official HTML ↗ PDF DOCX
✦ In shortFull text
✦ 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.

This draft report sets out Parliament's position on the proposed regulation enabling payment services providers in non-euro member states to offer digital euro services. It amends the Commission proposal to clarify definitions, extend obligations, and adjust supervisory rules. The amendments specify that providers may serve euro-area residents, certain non-residents, and visitors, with restrictions on automatic funding for visitors. They also apply relevant digital euro regulation requirements to these providers and to device manufacturers and electronic communication providers in non-euro states. The report also updates references to anti-money laundering and funds transfer regulations, and clarifies that the digital euro is considered funds under cross-border payment rules.

Committee position. The rapporteur proposes amendments to the Commission proposal, focusing on clarifying the scope for non-euro area providers, restricting online digital euro access for visitors, and updating references to other EU laws.

Key points

  1. Payment services providers in non-euro member states may offer digital euro services to euro-area residents, certain former residents, and visitors, subject to conditions.
  2. The European Central Bank may restrict access to online digital euro for certain users, and automatic funding and defunding of online digital euro is restricted for visitors.
  3. Requirements from the digital euro regulation on payment services, including those on offline and online services, apply to providers in non-euro states.
  4. Obligations on original equipment manufacturers and electronic communication providers in non-euro states are aligned with the digital euro regulation.
  5. Cross-border payment regulation applies to digital euro transactions, and anti-money laundering and funds transfer rules apply to the digital euro.
  6. Supervision of providers in non-euro states follows the payment services directive and anti-money laundering directive, with cooperation with the European Central Bank where relevant.
  7. The definition of 'funds' in the cross-border payments regulation is updated to include central bank money issued for retail use.

Who is affected

  • Payment services providers incorporated in member states whose currency is not the euro.
  • Original equipment manufacturers of mobile devices and electronic communication providers in non-euro member states.
  • Digital euro users, including visitors and former euro-area residents.

Legal basis: Article 294(2) and Article 114 of the Treaty on the Functioning of the European Union