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published_at: '2026-07-25T16:28:38Z'
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updated_at: '2026-07-25T17:55:23Z'
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- name: First Secretary
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- name: July 22nd 2026
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title: Judgment of the Court (First Chamber) of 16 July 2026.#Betaal Garant Nederland
  CV v De Nederlandsche Bank NV.#Reference for a preliminary ruling – Payment services
  in the internal market – Directive (EU) 2015/2366 – Article 4(3) – Concept of a
  ‘payment service’ – Article 4(24) – Concept of ‘credit transfer’ – Transaction by
  an intermediary entity carried out under a tripartite agreement and consisting in
  the holding of client funds in a bank account of that intermediary entity and the
  transfer of those funds to a business owner, following the client’s authorisation
  – Classification of the transaction – Absence of a ‘payment service’.#Case C-51/25.
---

# Judgment of the Court (First Chamber) of 16 July 2026.#Betaal Garant Nederland CV v De Nederlandsche Bank NV.#Reference for a preliminary ruling – Payment services in the internal market – Directive (EU) 2015/2366 – Article 4(3) – Concept of a ‘payment service’ – Article 4(24) – Concept of ‘credit transfer’ – Transaction by an intermediary entity carried out under a tripartite agreement and consisting in the holding of client funds in a bank account of that intermediary entity and the transfer of those funds to a business owner, following the client’s authorisation – Classification of the transaction – Absence of a ‘payment service’.#Case C-51/25.

## TL;DR
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## Key Points
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## Source
元記事: [Judgment of the Court (First Chamber) of 16 July 2026.#Betaal Garant Nederland CV v De Nederlandsche Bank NV.#Reference for a preliminary ruling – Payment services in the internal market – Directive (EU) 2015/2366 – Article 4(3) – Concept of a ‘payment service’ – Article 4(24) – Concept of ‘credit transfer’ – Transaction by an intermediary entity carried out under a tripartite agreement and consisting in the holding of client funds in a bank account of that intermediary entity and the transfer of those funds to a business owner, following the client’s authorisation – Classification of the transaction – Absence of a ‘payment service’.#Case C-51/25.](https://eur-lex.europa.eu/legal-content/AUTO/?uri=CELEX:62025CJ0051) — published 2026-07-25T16:28:38Z