Decizia (UE) 2026/1754 a Băncii Centrale Europene din 7 iulie 2026 de modificare a Deciziei (UE) 2022/911 privind termenii și condițiile TARGET-ECB și de abrogare a Deciziei BCE/2007/7 (BCE/2022/22) (BCE/2026/16)

având în vedere Tratatul privind funcționarea Uniunii Europene, în special articolul 127 alineatul (2) a patra liniuță,

având în vedere Statutul Sistemului European al Băncilor Centrale și al Băncii Centrale Europene, în special articolul 3.1 și articolele 17, 22 și 23,

La data de 11 iunie 2021, Consiliul guvernatorilor a decis că o funcționalitate de decontare intervalutară în serviciul TARGET de decontare a plăților instant (TIPS) este în conformitate cu obiectivele strategice ale Eurosistemului. În urma acestei decizii, Orientarea (UE) 2022/912 a Băncii Centrale Europene (BCE/2022/8) (denumită în continuare Orientarea TARGET) a fost modificată prin Orientarea (UE) 2026/1473 a Băncii Centrale Europene (BCE/2026/11) în sensul că TIPS va permite, începând cu 14 noiembrie 2026, trimiterea și primirea plăților de către sau către participanții la TIPS care aderă la schema de transfer credit instant One-Leg Out (OCT Inst) a Consiliului European al Plăților [SEPA One-Leg Out Instant Credit Transfer (OCT Inst) Scheme].

Modificările aduse Orientării TARGET au introdus și o facilitate în TARGET pentru a permite participanților să își gestioneze mai bine lichiditatea pentru a face posibile transferuri automate de lichiditate între conturile principale de fonduri (main cash account) (MCA) ale unui participant și conturile de fonduri dedicate aferente TIPS (TIPS DCA) ale acestuia, după ce a fost încălcată o limită inferioară sau superioară stabilită de participant.

Alte modificări aduse Orientării TARGET afectează termenii și condițiile TARGET-ECB, inclusiv modificarea comisioanelor pentru titularii de conturi de fonduri dedicate cu decontare pe bază brută în timp real, și, prin urmare, ar trebui să se reflecte în Decizia (UE) 2022/911 a Băncii Centrale Europene (BCE/2022/22).

Prin urmare, Decizia (UE) 2022/911 (BCE/2022/22) ar trebui modificată în mod corespunzător,

Anexele la Decizia (UE) 2022/911 (BCE/2022/22) se modifică după cum urmează:

Anexa I se modifică în conformitate cu anexa I la prezenta decizie.

Anexa III se modifică în conformitate cu anexa II la prezenta decizie.

Anexa I se modifică cu efect de la 14 noiembrie 2026 în conformitate cu anexa III la prezenta decizie.

Anexa III se modifică cu efect de la 14 noiembrie 2026 în conformitate cu anexa IV la prezenta decizie.

Prezenta decizie intră în vigoare în a cincea zi de la data publicării în Jurnalul Oficial al Uniunii Europene.

Adoptată la Frankfurt pe Main, 7 iulie 2026.Președinta BCEChristine Lagarde

ANEXA I

Anexa I la Decizia (UE) 2022/911 (BCE/2022/22) se modifică după cum urmează:

Partea I se modifică după cum urmează:

articolul 14 alineatul 2 se înlocuiește cu următorul text:

2.The participant may choose to receive a notification if the floor or ceiling amount is breached. In addition, for MCAs, RTGS DCAs or TIPS DCAs the participant may opt for the breach to trigger a rule-based liquidity transfer order.;

articolul 26 alineatul 2 se înlocuiește cu următorul text:

2.On the occurrence of either of the events set out in point (a) or (b), all obligations of the participant shall be automatically and immediately accelerated, without prior notice and without the need for any prior approval of any authority, so as to be immediately due.In addition, the mutual obligations of the participant and the ECB shall automatically be set off against each other, and the party owing the higher amount shall pay to the other the difference.

On the occurrence of either of the events set out in point (a) or (b), all obligations of the participant shall be automatically and immediately accelerated, without prior notice and without the need for any prior approval of any authority, so as to be immediately due.

An event of default referred to in Article 24(1).

Any other event of default or event referred to in Article 24(2) that has led to the termination or suspension of the participant’s participation, notwithstanding the commencement of any insolvency proceedings in respect of a participant and notwithstanding any assignment, judicial or other attachment or other disposition of or in respect of the participant’s rights.

În partea II, articolul 6, alineatul 4 se înlocuiește cu următorul text:

4.An MCA holder may authorise its MCA to be debited in the event that a floor is breached in one or more specified RTGS DCAs, TIPS DCAs or MCAs within the same liquidity transfer group in TARGET-ECB or another TARGET component system. By authorising its account to be debited, the MCA holder instructs the ECB to execute a rule-based liquidity transfer order that credits the RTGS DCA(s), TIPS DCA(s) or MCA(s) whenever the floor is breached.

În partea V, se introduce următorul articol 7a:

Article 7aRule-based liquidity transfer orders1.A TIPS DCA holder may specify a floor and/or a ceiling amount for its TIPS DCA.2.By setting a ceiling and opting for a rule-based liquidity transfer order, if, following the settlement of an instant payment order, a positive recall answer or a liquidity transfer order, the ceiling is breached, the TIPS DCA holder instructs the ECB to execute a rule-based liquidity transfer order that credits an MCA designated by that TIPS DCA holder. The credited MCA may belong to another participant in TARGET-[insert CB/country reference] or in another TARGET component system.3.By setting a floor and opting for a rule-based liquidity transfer order, if, following the settlement of an instant payment order, a positive recall answer or a liquidity transfer order, the floor is breached, a rule-based liquidity transfer order is initiated that debits an MCA authorised by the MCA holder. The debited MCA may belong to another participant in TARGET-[insert CB/country reference] or in another TARGET component system. The holder of the debited MCA must authorise its MCA to be debited in this manner.

În partea VII, articolul 12 alineatul 1 se înlocuiește cu următorul text:

1.TIPS AS technical account holders may use the broadcast message function offered by TIPS, which allows a TIPS DCA holder or a TIPS AS technical account holder to send a message to all other TIPS DCA holders and TIPS AS technical account holders, to send broadcast messages in the following categories:

TIPS AS technical account holders may use the broadcast message function offered by TIPS, which allows a TIPS DCA holder or a TIPS AS technical account holder to send a message to all other TIPS DCA holders and TIPS AS technical account holders, to send broadcast messages in the following categories:

Immediate downtime start;

Immediate downtime end;

Planned downtime.

Apendicele VI se modifică după cum urmează:

în secțiunea 3, în alineatul 1, teza introductivă se înlocuiește cu următorul text:

1.Until 30 June 2026, RTGS DCA holders shall choose one of the following two pricing options:;

Until 30 June 2026, RTGS DCA holders shall choose one of the following two pricing options:;

în secțiunea 3, se introduce următorul alineat 1a:

1a.From 1 July 2026, RTGS DCA holders shall choose one of the following two pricing options:

From 1 July 2026, RTGS DCA holders shall choose one of the following two pricing options:

a monthly fee, plus a fixed transaction fee per payment order (debit entry).

a monthly fee, plus a transaction fee based on the volume of payment orders (debit entry) and calculated on a cumulative basis as set out in the following table. For participants in a billing group, the monthly volume of payment orders (debit entry) for all participants in that group shall be aggregated.

Partea I se modifică după cum urmează:

articolul 14 alineatul 2 se înlocuiește cu următorul text:

articolul 26 alineatul 2 se înlocuiește cu următorul text:

An event of default referred to in Article 24(1).

Any other event of default or event referred to in Article 24(2) that has led to the termination or suspension of the participant’s participation, notwithstanding the commencement of any insolvency proceedings in respect of a participant and notwithstanding any assignment, judicial or other attachment or other disposition of or in respect of the participant’s rights.

An event of default referred to in Article 24(1).

Any other event of default or event referred to in Article 24(2) that has led to the termination or suspension of the participant’s participation, notwithstanding the commencement of any insolvency proceedings in respect of a participant and notwithstanding any assignment, judicial or other attachment or other disposition of or in respect of the participant’s rights.

În partea II, articolul 6, alineatul 4 se înlocuiește cu următorul text:

În partea V, se introduce următorul articol 7a:

În partea VII, articolul 12 alineatul 1 se înlocuiește cu următorul text:

Immediate downtime start;

Immediate downtime end;

Planned downtime.

Apendicele VI se modifică după cum urmează:

în secțiunea 3, în alineatul 1, teza introductivă se înlocuiește cu următorul text:

în secțiunea 3, se introduce următorul alineat 1a:

a monthly fee, plus a fixed transaction fee per payment order (debit entry).

a monthly fee, plus a transaction fee based on the volume of payment orders (debit entry) and calculated on a cumulative basis as set out in the following table. For participants in a billing group, the monthly volume of payment orders (debit entry) for all participants in that group shall be aggregated.

a monthly fee, plus a fixed transaction fee per payment order (debit entry).

a monthly fee, plus a transaction fee based on the volume of payment orders (debit entry) and calculated on a cumulative basis as set out in the following table. For participants in a billing group, the monthly volume of payment orders (debit entry) for all participants in that group shall be aggregated.

articolul 14 alineatul 2 se înlocuiește cu următorul text:

articolul 26 alineatul 2 se înlocuiește cu următorul text:

An event of default referred to in Article 24(1).

Any other event of default or event referred to in Article 24(2) that has led to the termination or suspension of the participant’s participation, notwithstanding the commencement of any insolvency proceedings in respect of a participant and notwithstanding any assignment, judicial or other attachment or other disposition of or in respect of the participant’s rights.

An event of default referred to in Article 24(1).

Any other event of default or event referred to in Article 24(2) that has led to the termination or suspension of the participant’s participation, notwithstanding the commencement of any insolvency proceedings in respect of a participant and notwithstanding any assignment, judicial or other attachment or other disposition of or in respect of the participant’s rights.

Immediate downtime start;

Immediate downtime end;

Planned downtime.

în secțiunea 3, în alineatul 1, teza introductivă se înlocuiește cu următorul text:

în secțiunea 3, se introduce următorul alineat 1a:

a monthly fee, plus a fixed transaction fee per payment order (debit entry).

a monthly fee, plus a transaction fee based on the volume of payment orders (debit entry) and calculated on a cumulative basis as set out in the following table. For participants in a billing group, the monthly volume of payment orders (debit entry) for all participants in that group shall be aggregated.

a monthly fee, plus a fixed transaction fee per payment order (debit entry).

a monthly fee, plus a transaction fee based on the volume of payment orders (debit entry) and calculated on a cumulative basis as set out in the following table. For participants in a billing group, the monthly volume of payment orders (debit entry) for all participants in that group shall be aggregated.

Tabelul 1

Tabelul 2

ANEXA II

În anexa III la Decizia (UE) 2022/911 (BCE/2022/22), DEFINITIONS, punctul (55) se înlocuiește cu următorul text:

rule-based liquidity transfer order means a liquidity transfer order that is triggered as a result of: (a) the balance on an MCA, or RTGS DCA or TIPS DCA breaching a pre-defined floor or ceiling; or (b) insufficient funds being available to cover queued urgent payment orders, AS transfer orders or high priority payment orders on an RTGS DCA;.

rule-based liquidity transfer order means a liquidity transfer order that is triggered as a result of: (a) the balance on an MCA, or RTGS DCA or TIPS DCA breaching a pre-defined floor or ceiling; or (b) insufficient funds being available to cover queued urgent payment orders, AS transfer orders or high priority payment orders on an RTGS DCA;.

ANEXA III

Anexa I la Decizia (UE) 2022/911 (BCE/2022/22) se modifică după cum urmează:

Partea I se modifică după cum urmează:

la articolul 5 alineatul 1, litera (f) se înlocuiește cu următorul text:

if it is an applicant for a TIPS DCA, it has adhered to the SCT Inst scheme by signing the SEPA Instant Credit Transfer Adherence Agreement and, if relevant, it has adhered to the One-Leg Out Instant Credit Transfer (OCT Inst) scheme by signing the One-Leg Out Instant Credit Transfer Adherence Agreement;;

la articolul 5 alineatul 1, litera (g) se înlocuiește cu următorul text:

if it is an applicant for a TIPS AS technical account, it has provided evidence that the disclosure letter showing their intent to be an SCT Inst compliant Clearing and Settlement Mechanism (CSM) and, if relevant, to be an OCT Inst compliant CSM, has been provided to the European Payments Council (EPC);;

la articolul 5 alineatul 2, litera (c) se înlocuiește cu următorul text:

if it is an applicant for a TIPS DCA, evidence of their adherence to the SCT Inst scheme by signing the SEPA Instant Credit Transfer Adherence Agreement and, if relevant, that it has adhered to the OCT Inst scheme by signing the One-Leg Out Instant Credit Transfer Adherence Agreement;;

la articolul 5 alineatul 2, litera (d) se înlocuiește cu următorul text:

if the applicant is applying to use the TIPS AS settlement procedure, evidence that it has provided the EPC with the disclosure letter showing their intent to be an SCT Inst compliant CSM and, if relevant, an OCT Inst compliant CSM;;

la articolul 17 alineatul 1, litera (b) se înlocuiește cu următorul text:

instant payment orders shall be deemed entered into TARGET-ECB and irrevocable at the moment that the relevant funds on the TIPS DCA of the participant or on its TIPS AS technical account are reserved;.

Partea V se modifică după cum urmează:

la articolul 1, alineatul 3 se înlocuiește cu textul următor:

3.The TIPS DCA holder shall inform the ECB prior to exercising its option to accept instant payment orders according to the OCT Inst scheme.;

la articolul 3, alineatele 1, 2 și 3 se înlocuiesc cu următorul text:

1.A TIPS DCA holder may designate one or more reachable parties and shall inform the ECB if any of these reachable parties accept instant payment orders according to the OCT Inst scheme. Reachable parties shall have adhered to the SCT Inst scheme by signing the SEPA Instant Credit Transfer Adherence Agreement, and, if relevant, the OCT Inst Scheme by signing the One-Leg Out Instant Credit Transfer Adherence Agreement.2.A TIPS DCA holder shall provide evidence to the ECB of each designated reachable party’s adherence to the SCT Inst scheme and, if relevant, the OCT Inst scheme.3.A TIPS DCA holder shall inform the ECB if any designated reachable party no longer adheres to the SCT Inst scheme and/or, if relevant, the OCT Inst scheme and shall, without undue delay, take steps to prevent the reachable party from accessing the TIPS DCA.;

la articolul 4 alineatul 1, litera (aa) se elimină;

la articolul 6, alineatul 3 se înlocuiește cu textul următor:

3.After an instant payment order has been accepted as set out in Part I, Article 16, TARGET-ECB shall check if sufficient funds are available on the payer’s TIPS DCA to effect settlement and the following shall apply:;

After an instant payment order has been accepted as set out in Part I, Article 16, TARGET-ECB shall check if sufficient funds are available on the payer’s TIPS DCA to effect settlement and the following shall apply:

if sufficient funds are not available, the instant payment order shall be rejected;

if sufficient funds are available, the corresponding amount shall be reserved while awaiting the payee’s response. In the event of acceptance by the payee of an instant payment order, the order shall be settled and the reservation shall be simultaneously lifted. In the event of rejection by the payee of an instant payment order, or the absence of a timely response, within the meaning of the SCT Inst scheme or the OCT Inst scheme, the instant payment order shall be rejected and the reservation shall be simultaneously lifted.

la articolul 6, alineatul 5 se înlocuiește cu textul următor:

5.Without prejudice to paragraph 3, point (b), the ECB shall reject an instant payment order if the amount of the instant payment order exceeds any applicable credit memorandum balance (CMB).;

la articolul 8, alineatul 1 se înlocuiește cu textul următor:

1.The TIPS directory is a list of BICs used for the purpose of routing information and comprises the BICs of:The TIPS directory shall include information for each BIC as to whether the TIPS DCA holder or reachable party accepts instant payment orders according to the OCT Inst scheme.;

The TIPS directory is a list of BICs used for the purpose of routing information and comprises the BICs of:

TIPS DCA holders;

reachable parties.

la articolul 10, alineatul 4 se înlocuiește cu textul următor:

4.The ECBshall process instant payment orders of a TIPS DCA holder whose participation in TARGET-ECB has been suspended or terminated under Part I, Article 24(1) or (2) and in relation to which the ECB has reserved funds on a TIPS DCA pursuant to Part V, Article 6(3), point (b), prior to the suspension or termination.

Partea VII se modifică după cum urmează:

La articolul 1, alineatul 1 se înlocuiește cu textul următor:

1.The ECB may on the request of an AS that settles instant payments pursuant to the SCT Inst scheme, and, if relevant, the OCT Inst scheme and, if relevant, near instant payments in its own books, open and operate one or more TIPS AS technical accounts. If the TIPS AS technical account holder exercises its option to accept instant payment orders according to the OCT Inst scheme, it shall inform the ECB accordingly.;

la articolul 1, alineatele 5 și 6 se înlocuiesc cu următorul text:

5.An ancillary system may send instant payment orders and positive recall answers to any TIPS DCA holder or TIPS AS technical account holder, and it may send instant payment orders according to the OCT Inst scheme to any TIPS DCA holder or TIPS AS technical account holder which has opted to receive them.6.An ancillary system shall receive and process instant payment orders, recall requests and positive recall answers from any TIPS DCA holder or TIPS AS technical account holder. If it has informed the ECBof the exercise of its option in accordance with paragraph 1, it shall accept instant payment orders according to the OCT Inst scheme from any TIPS DCA holder or TIPS AS technical account holder which has opted to send them.;

la articolul 4, alineatul 3 se înlocuiește cu textul următor:

3.After an instant payment order has been accepted as set out in Part I, Article 16(1), the ECB shall check if sufficient funds are available on the payer’s TIPS AS technical account to effect settlement and the following shall apply:;

After an instant payment order has been accepted as set out in Part I, Article 16(1), the ECB shall check if sufficient funds are available on the payer’s TIPS AS technical account to effect settlement and the following shall apply:

if sufficient funds are not available, the instant payment order shall be rejected;

if sufficient funds are available, the corresponding amount shall be reserved while awaiting the payee’s response. In the event of acceptance by the payee of an instant payment order, the order shall be settled and the reservation shall be simultaneously lifted. In the event of rejection by the payee of an instant payment order, or the absence of a timely response, within the meaning of the SCT Inst scheme or the OCT Inst scheme, the instant payment order shall be rejected and the reservation shall be simultaneously lifted.

la articolul 4, alineatul 5 se înlocuiește cu textul următor:

5.Without prejudice to paragraph 3(b), the ECB shall reject an instant payment order if the amount of the instant payment order exceeds any applicable credit memorandum balance (CMB).;

la articolul 5, alineatul 2 se înlocuiește cu textul următor:

2.The recall request shall be forwarded to the payee of the settled instant payment order which may answer with a positive or negative recall answer.;

la articolul 7, alineatul 1 se înlocuiește cu textul următor:

1.A TIPS AS technical account holder may designate one or more reachable parties. Reachable parties shall have adhered to the SCT Inst scheme signing the SEPA Instant Credit Transfer Adherence Agreement and, if relevant, to the OCT Inst scheme signing the One-Leg Out Instant Credit Transfer Adherence Agreement, and, if they are addressable in TARGET as RTGS DCA holders, addressable BIC holders or as entities referred to in Part III, Article 3(1), point (a) of Guideline (EU) 2022/912 (ECB/2022/8), having been authorised to use an RTGS DCA by way of multi-addressee access, they shall hold a TIPS DCA or be reachable via a TIPS DCA.;

la articolul 7, alineatul 2 se înlocuiește cu textul următor:

2.A TIPS AS technical account holder shall provide evidence to the ECBof each designated reachable party’s adherence to the SCT Inst scheme and, if relevant, the OCT Inst scheme.;

la articolul 7 se introduce următorul alineat 3a:

3a.A TIPS AS technical account holder shall inform the ECBif any designated reachable party no longer adheres to the OCT Inst scheme.;

la articolul 8 alineatul 1, litera (d) se elimină;

la articolul 9, alineatul 1 se înlocuiește cu textul următor:

1.The TIPS directory is a list of BICs used for the purpose of routing information and comprises the BICS of:The TIPS directory shall include information for each BIC as to whether the TIPS DCA holder or reachable party accepts instant payment orders according to the OCT Inst scheme.;

The TIPS directory is a list of BICs used for the purpose of routing information and comprises the BICS of:

TIPS DCA holders;

reachable parties.

la articolul 11, alineatul 4 se înlocuiește cu textul următor:

4.The ECB shall process instant payment orders of a TIPS AS technical account holder whose participation in TARGET-ECB has been suspended or terminated under Part I, Article 24(1) or (2) and in relation to which the ECBhas reserved funds on a TIPS AS technical account pursuant to Part VII, Article 4(3), point (b), prior to the suspension or termination.

Apendicele I se modifică după cum urmează:

în secțiunea 4 litera (d), tabelul se înlocuiește cu următorul:

în secțiunea 4, litera (e) se înlocuiește cu următorul text:

Messages related to instant payment orders according to the OCT Inst scheme will be identified with the suffix XCY in the message exchange protocol.;

The following additional message subtypes are used for instant payment orders according to the OCT Inst scheme:

Messages related to instant payment orders according to the OCT Inst scheme will be identified with the suffix XCY in the message exchange protocol.;

în secțiunea 6, ultimul paragraf nenumerotat se înlocuiește cu următorul text:

If an instant payment order or a positive recall answer is rejected for any reason, the TIPS DCA holder shall receive a payment status report (pacs.002), as described in Chapter 4.2 of the TIPS UDFS. If a liquidity transfer order is rejected for any reason, the TIPS DCA holder shall receive a rejection (camt.025), as described in Chapter 1.6 of the TIPS UDFS.

If an instant payment order or a positive recall answer is rejected for any reason, the TIPS DCA holder shall receive a payment status report (pacs.002), as described in Chapter 4.2 of the TIPS UDFS. If a liquidity transfer order is rejected for any reason, the TIPS DCA holder shall receive a rejection (camt.025), as described in Chapter 1.6 of the TIPS UDFS.

Apendicele VI se modifică după cum urmează:

în secțiunea 6, litera (c) se înlocuiește cu următorul text:

For each instant payment order or positive recall answer accepted by the ECB as set out in Part I, Article 16, a fee of EUR 0,001 shall be charged to both the holder of the TIPS DCA to be debited and to the holder of the TIPS DCA or TIPS AS technical account to be credited, whether or not the instant payment order or positive recall answer settles;;

în secțiunea 7, punctul 2 litera (c) se înlocuiește cu următorul text:

For each instant payment order or positive recall answer accepted by the ECB as set out in Part I, Article 16, a fee of EUR 0,001 shall be charged to both the holder of the TIPS AS technical account to be debited and to the holder of the TIPS AS technical account or TIPS DCA to be credited, whether or not the instant payment order or positive recall answer settles;.

Partea I se modifică după cum urmează:

la articolul 5 alineatul 1, litera (f) se înlocuiește cu următorul text:

if it is an applicant for a TIPS DCA, it has adhered to the SCT Inst scheme by signing the SEPA Instant Credit Transfer Adherence Agreement and, if relevant, it has adhered to the One-Leg Out Instant Credit Transfer (OCT Inst) scheme by signing the One-Leg Out Instant Credit Transfer Adherence Agreement;;

la articolul 5 alineatul 1, litera (g) se înlocuiește cu următorul text:

if it is an applicant for a TIPS AS technical account, it has provided evidence that the disclosure letter showing their intent to be an SCT Inst compliant Clearing and Settlement Mechanism (CSM) and, if relevant, to be an OCT Inst compliant CSM, has been provided to the European Payments Council (EPC);;

la articolul 5 alineatul 2, litera (c) se înlocuiește cu următorul text:

if it is an applicant for a TIPS DCA, evidence of their adherence to the SCT Inst scheme by signing the SEPA Instant Credit Transfer Adherence Agreement and, if relevant, that it has adhered to the OCT Inst scheme by signing the One-Leg Out Instant Credit Transfer Adherence Agreement;;

la articolul 5 alineatul 2, litera (d) se înlocuiește cu următorul text:

if the applicant is applying to use the TIPS AS settlement procedure, evidence that it has provided the EPC with the disclosure letter showing their intent to be an SCT Inst compliant CSM and, if relevant, an OCT Inst compliant CSM;;

la articolul 17 alineatul 1, litera (b) se înlocuiește cu următorul text:

instant payment orders shall be deemed entered into TARGET-ECB and irrevocable at the moment that the relevant funds on the TIPS DCA of the participant or on its TIPS AS technical account are reserved;.

if it is an applicant for a TIPS DCA, it has adhered to the SCT Inst scheme by signing the SEPA Instant Credit Transfer Adherence Agreement and, if relevant, it has adhered to the One-Leg Out Instant Credit Transfer (OCT Inst) scheme by signing the One-Leg Out Instant Credit Transfer Adherence Agreement;;

if it is an applicant for a TIPS AS technical account, it has provided evidence that the disclosure letter showing their intent to be an SCT Inst compliant Clearing and Settlement Mechanism (CSM) and, if relevant, to be an OCT Inst compliant CSM, has been provided to the European Payments Council (EPC);;

if it is an applicant for a TIPS DCA, evidence of their adherence to the SCT Inst scheme by signing the SEPA Instant Credit Transfer Adherence Agreement and, if relevant, that it has adhered to the OCT Inst scheme by signing the One-Leg Out Instant Credit Transfer Adherence Agreement;;

if the applicant is applying to use the TIPS AS settlement procedure, evidence that it has provided the EPC with the disclosure letter showing their intent to be an SCT Inst compliant CSM and, if relevant, an OCT Inst compliant CSM;;

instant payment orders shall be deemed entered into TARGET-ECB and irrevocable at the moment that the relevant funds on the TIPS DCA of the participant or on its TIPS AS technical account are reserved;.

Partea V se modifică după cum urmează:

la articolul 1, alineatul 3 se înlocuiește cu textul următor:

la articolul 3, alineatele 1, 2 și 3 se înlocuiesc cu următorul text:

la articolul 4 alineatul 1, litera (aa) se elimină;

la articolul 6, alineatul 3 se înlocuiește cu textul următor:

if sufficient funds are not available, the instant payment order shall be rejected;

if sufficient funds are available, the corresponding amount shall be reserved while awaiting the payee’s response. In the event of acceptance by the payee of an instant payment order, the order shall be settled and the reservation shall be simultaneously lifted. In the event of rejection by the payee of an instant payment order, or the absence of a timely response, within the meaning of the SCT Inst scheme or the OCT Inst scheme, the instant payment order shall be rejected and the reservation shall be simultaneously lifted.

la articolul 6, alineatul 5 se înlocuiește cu textul următor:

la articolul 8, alineatul 1 se înlocuiește cu textul următor:

TIPS DCA holders;

reachable parties.

la articolul 10, alineatul 4 se înlocuiește cu textul următor:

if sufficient funds are not available, the instant payment order shall be rejected;

if sufficient funds are available, the corresponding amount shall be reserved while awaiting the payee’s response. In the event of acceptance by the payee of an instant payment order, the order shall be settled and the reservation shall be simultaneously lifted. In the event of rejection by the payee of an instant payment order, or the absence of a timely response, within the meaning of the SCT Inst scheme or the OCT Inst scheme, the instant payment order shall be rejected and the reservation shall be simultaneously lifted.

TIPS DCA holders;

reachable parties.

Partea VII se modifică după cum urmează:

La articolul 1, alineatul 1 se înlocuiește cu textul următor:

la articolul 1, alineatele 5 și 6 se înlocuiesc cu următorul text:

la articolul 4, alineatul 3 se înlocuiește cu textul următor:

if sufficient funds are not available, the instant payment order shall be rejected;

if sufficient funds are available, the corresponding amount shall be reserved while awaiting the payee’s response. In the event of acceptance by the payee of an instant payment order, the order shall be settled and the reservation shall be simultaneously lifted. In the event of rejection by the payee of an instant payment order, or the absence of a timely response, within the meaning of the SCT Inst scheme or the OCT Inst scheme, the instant payment order shall be rejected and the reservation shall be simultaneously lifted.

la articolul 4, alineatul 5 se înlocuiește cu textul următor:

la articolul 5, alineatul 2 se înlocuiește cu textul următor:

la articolul 7, alineatul 1 se înlocuiește cu textul următor:

la articolul 7, alineatul 2 se înlocuiește cu textul următor:

la articolul 7 se introduce următorul alineat 3a:

la articolul 8 alineatul 1, litera (d) se elimină;

la articolul 9, alineatul 1 se înlocuiește cu textul următor:

TIPS DCA holders;

reachable parties.

la articolul 11, alineatul 4 se înlocuiește cu textul următor:

if sufficient funds are not available, the instant payment order shall be rejected;

if sufficient funds are available, the corresponding amount shall be reserved while awaiting the payee’s response. In the event of acceptance by the payee of an instant payment order, the order shall be settled and the reservation shall be simultaneously lifted. In the event of rejection by the payee of an instant payment order, or the absence of a timely response, within the meaning of the SCT Inst scheme or the OCT Inst scheme, the instant payment order shall be rejected and the reservation shall be simultaneously lifted.

TIPS DCA holders;

reachable parties.

Apendicele I se modifică după cum urmează:

în secțiunea 4 litera (d), tabelul se înlocuiește cu următorul:

în secțiunea 4, litera (e) se înlocuiește cu următorul text:

The following additional message subtypes are used for instant payment orders according to the OCT Inst scheme:

în secțiunea 6, ultimul paragraf nenumerotat se înlocuiește cu următorul text:

The following additional message subtypes are used for instant payment orders according to the OCT Inst scheme:

Apendicele VI se modifică după cum urmează:

în secțiunea 6, litera (c) se înlocuiește cu următorul text:

For each instant payment order or positive recall answer accepted by the ECB as set out in Part I, Article 16, a fee of EUR 0,001 shall be charged to both the holder of the TIPS DCA to be debited and to the holder of the TIPS DCA or TIPS AS technical account to be credited, whether or not the instant payment order or positive recall answer settles;;

în secțiunea 7, punctul 2 litera (c) se înlocuiește cu următorul text:

For each instant payment order or positive recall answer accepted by the ECB as set out in Part I, Article 16, a fee of EUR 0,001 shall be charged to both the holder of the TIPS AS technical account to be debited and to the holder of the TIPS AS technical account or TIPS DCA to be credited, whether or not the instant payment order or positive recall answer settles;.

For each instant payment order or positive recall answer accepted by the ECB as set out in Part I, Article 16, a fee of EUR 0,001 shall be charged to both the holder of the TIPS DCA to be debited and to the holder of the TIPS DCA or TIPS AS technical account to be credited, whether or not the instant payment order or positive recall answer settles;;

For each instant payment order or positive recall answer accepted by the ECB as set out in Part I, Article 16, a fee of EUR 0,001 shall be charged to both the holder of the TIPS AS technical account to be debited and to the holder of the TIPS AS technical account or TIPS DCA to be credited, whether or not the instant payment order or positive recall answer settles;.

la articolul 5 alineatul 1, litera (f) se înlocuiește cu următorul text:

if it is an applicant for a TIPS DCA, it has adhered to the SCT Inst scheme by signing the SEPA Instant Credit Transfer Adherence Agreement and, if relevant, it has adhered to the One-Leg Out Instant Credit Transfer (OCT Inst) scheme by signing the One-Leg Out Instant Credit Transfer Adherence Agreement;;

la articolul 5 alineatul 1, litera (g) se înlocuiește cu următorul text:

if it is an applicant for a TIPS AS technical account, it has provided evidence that the disclosure letter showing their intent to be an SCT Inst compliant Clearing and Settlement Mechanism (CSM) and, if relevant, to be an OCT Inst compliant CSM, has been provided to the European Payments Council (EPC);;

la articolul 5 alineatul 2, litera (c) se înlocuiește cu următorul text:

if it is an applicant for a TIPS DCA, evidence of their adherence to the SCT Inst scheme by signing the SEPA Instant Credit Transfer Adherence Agreement and, if relevant, that it has adhered to the OCT Inst scheme by signing the One-Leg Out Instant Credit Transfer Adherence Agreement;;

la articolul 5 alineatul 2, litera (d) se înlocuiește cu următorul text:

if the applicant is applying to use the TIPS AS settlement procedure, evidence that it has provided the EPC with the disclosure letter showing their intent to be an SCT Inst compliant CSM and, if relevant, an OCT Inst compliant CSM;;

la articolul 17 alineatul 1, litera (b) se înlocuiește cu următorul text:

instant payment orders shall be deemed entered into TARGET-ECB and irrevocable at the moment that the relevant funds on the TIPS DCA of the participant or on its TIPS AS technical account are reserved;.

if it is an applicant for a TIPS DCA, it has adhered to the SCT Inst scheme by signing the SEPA Instant Credit Transfer Adherence Agreement and, if relevant, it has adhered to the One-Leg Out Instant Credit Transfer (OCT Inst) scheme by signing the One-Leg Out Instant Credit Transfer Adherence Agreement;;

if it is an applicant for a TIPS AS technical account, it has provided evidence that the disclosure letter showing their intent to be an SCT Inst compliant Clearing and Settlement Mechanism (CSM) and, if relevant, to be an OCT Inst compliant CSM, has been provided to the European Payments Council (EPC);;

if it is an applicant for a TIPS DCA, evidence of their adherence to the SCT Inst scheme by signing the SEPA Instant Credit Transfer Adherence Agreement and, if relevant, that it has adhered to the OCT Inst scheme by signing the One-Leg Out Instant Credit Transfer Adherence Agreement;;

if the applicant is applying to use the TIPS AS settlement procedure, evidence that it has provided the EPC with the disclosure letter showing their intent to be an SCT Inst compliant CSM and, if relevant, an OCT Inst compliant CSM;;

instant payment orders shall be deemed entered into TARGET-ECB and irrevocable at the moment that the relevant funds on the TIPS DCA of the participant or on its TIPS AS technical account are reserved;.

la articolul 1, alineatul 3 se înlocuiește cu textul următor:

la articolul 3, alineatele 1, 2 și 3 se înlocuiesc cu următorul text:

la articolul 4 alineatul 1, litera (aa) se elimină;

la articolul 6, alineatul 3 se înlocuiește cu textul următor:

if sufficient funds are not available, the instant payment order shall be rejected;

if sufficient funds are available, the corresponding amount shall be reserved while awaiting the payee’s response. In the event of acceptance by the payee of an instant payment order, the order shall be settled and the reservation shall be simultaneously lifted. In the event of rejection by the payee of an instant payment order, or the absence of a timely response, within the meaning of the SCT Inst scheme or the OCT Inst scheme, the instant payment order shall be rejected and the reservation shall be simultaneously lifted.

la articolul 6, alineatul 5 se înlocuiește cu textul următor:

la articolul 8, alineatul 1 se înlocuiește cu textul următor:

TIPS DCA holders;

reachable parties.

la articolul 10, alineatul 4 se înlocuiește cu textul următor:

if sufficient funds are not available, the instant payment order shall be rejected;

if sufficient funds are available, the corresponding amount shall be reserved while awaiting the payee’s response. In the event of acceptance by the payee of an instant payment order, the order shall be settled and the reservation shall be simultaneously lifted. In the event of rejection by the payee of an instant payment order, or the absence of a timely response, within the meaning of the SCT Inst scheme or the OCT Inst scheme, the instant payment order shall be rejected and the reservation shall be simultaneously lifted.

TIPS DCA holders;

reachable parties.

La articolul 1, alineatul 1 se înlocuiește cu textul următor:

la articolul 1, alineatele 5 și 6 se înlocuiesc cu următorul text:

la articolul 4, alineatul 3 se înlocuiește cu textul următor:

if sufficient funds are not available, the instant payment order shall be rejected;

if sufficient funds are available, the corresponding amount shall be reserved while awaiting the payee’s response. In the event of acceptance by the payee of an instant payment order, the order shall be settled and the reservation shall be simultaneously lifted. In the event of rejection by the payee of an instant payment order, or the absence of a timely response, within the meaning of the SCT Inst scheme or the OCT Inst scheme, the instant payment order shall be rejected and the reservation shall be simultaneously lifted.

la articolul 4, alineatul 5 se înlocuiește cu textul următor:

la articolul 5, alineatul 2 se înlocuiește cu textul următor:

la articolul 7, alineatul 1 se înlocuiește cu textul următor:

la articolul 7, alineatul 2 se înlocuiește cu textul următor:

la articolul 7 se introduce următorul alineat 3a:

la articolul 8 alineatul 1, litera (d) se elimină;

la articolul 9, alineatul 1 se înlocuiește cu textul următor:

TIPS DCA holders;

reachable parties.

la articolul 11, alineatul 4 se înlocuiește cu textul următor:

if sufficient funds are not available, the instant payment order shall be rejected;

if sufficient funds are available, the corresponding amount shall be reserved while awaiting the payee’s response. In the event of acceptance by the payee of an instant payment order, the order shall be settled and the reservation shall be simultaneously lifted. In the event of rejection by the payee of an instant payment order, or the absence of a timely response, within the meaning of the SCT Inst scheme or the OCT Inst scheme, the instant payment order shall be rejected and the reservation shall be simultaneously lifted.

TIPS DCA holders;

reachable parties.

în secțiunea 4 litera (d), tabelul se înlocuiește cu următorul:

în secțiunea 4, litera (e) se înlocuiește cu următorul text:

The following additional message subtypes are used for instant payment orders according to the OCT Inst scheme:

în secțiunea 6, ultimul paragraf nenumerotat se înlocuiește cu următorul text:

The following additional message subtypes are used for instant payment orders according to the OCT Inst scheme:

în secțiunea 6, litera (c) se înlocuiește cu următorul text:

For each instant payment order or positive recall answer accepted by the ECB as set out in Part I, Article 16, a fee of EUR 0,001 shall be charged to both the holder of the TIPS DCA to be debited and to the holder of the TIPS DCA or TIPS AS technical account to be credited, whether or not the instant payment order or positive recall answer settles;;

în secțiunea 7, punctul 2 litera (c) se înlocuiește cu următorul text:

For each instant payment order or positive recall answer accepted by the ECB as set out in Part I, Article 16, a fee of EUR 0,001 shall be charged to both the holder of the TIPS AS technical account to be debited and to the holder of the TIPS AS technical account or TIPS DCA to be credited, whether or not the instant payment order or positive recall answer settles;.

For each instant payment order or positive recall answer accepted by the ECB as set out in Part I, Article 16, a fee of EUR 0,001 shall be charged to both the holder of the TIPS DCA to be debited and to the holder of the TIPS DCA or TIPS AS technical account to be credited, whether or not the instant payment order or positive recall answer settles;;

For each instant payment order or positive recall answer accepted by the ECB as set out in Part I, Article 16, a fee of EUR 0,001 shall be charged to both the holder of the TIPS AS technical account to be debited and to the holder of the TIPS AS technical account or TIPS DCA to be credited, whether or not the instant payment order or positive recall answer settles;.

Tabelul 1

Tabelul 2

ANEXA IV

Anexa III la Decizia (UE) 2022/911 (BCE/2022/22) se modifică după cum urmează:

Se introduce următorul punct (28a):

European Payments Council’s SEPA One-Leg Out Instant Credit Transfer (OCT Inst) scheme or OCT Inst scheme means an open standards scheme providing a set of interbank rules, standards and practices to be complied with by OCT Inst scheme participants, allowing payment services providers in the Single Euro Payments Area (SEPA) to achieve interoperability for the provision and operation of the Euro leg of an international instant credit transfer;.

Punctul (33) se înlocuiește cu următorul text:

instant payment order means, in line with the European Payments Council’s SEPA Instant Credit Transfer (SCT Inst) scheme or One-Leg Out Instant Credit Transfer (OCT Inst) scheme, a cash transfer order which can be executed 24 hours a day any calendar day of the year, with immediate or close to immediate settlement and notification to the payer, and which includes: (i) TIPS DCA to TIPS DCA instant payment orders; (ii) TIPS DCA to TIPS AS technical account instant payment orders; (iii) TIPS AS technical account to TIPS DCA instant payment orders; and (iv) TIPS AS technical account to TIPS AS technical account instant payment orders;.

Punctul 42 se înlocuiește cu următorul text:

near instant payment means a transfer of cash order which complies with the NL Standard for instant processing of SEPA credit transfers, or with the European Payment Council’s SEPA One-Leg Out Instant Credit Transfer (OCT Inst) Scheme;.

Se introduce următorul punct (28a):

European Payments Council’s SEPA One-Leg Out Instant Credit Transfer (OCT Inst) scheme or OCT Inst scheme means an open standards scheme providing a set of interbank rules, standards and practices to be complied with by OCT Inst scheme participants, allowing payment services providers in the Single Euro Payments Area (SEPA) to achieve interoperability for the provision and operation of the Euro leg of an international instant credit transfer;.

Punctul (33) se înlocuiește cu următorul text:

instant payment order means, in line with the European Payments Council’s SEPA Instant Credit Transfer (SCT Inst) scheme or One-Leg Out Instant Credit Transfer (OCT Inst) scheme, a cash transfer order which can be executed 24 hours a day any calendar day of the year, with immediate or close to immediate settlement and notification to the payer, and which includes: (i) TIPS DCA to TIPS DCA instant payment orders; (ii) TIPS DCA to TIPS AS technical account instant payment orders; (iii) TIPS AS technical account to TIPS DCA instant payment orders; and (iv) TIPS AS technical account to TIPS AS technical account instant payment orders;.

Punctul 42 se înlocuiește cu următorul text:

near instant payment means a transfer of cash order which complies with the NL Standard for instant processing of SEPA credit transfers, or with the European Payment Council’s SEPA One-Leg Out Instant Credit Transfer (OCT Inst) Scheme;.

European Payments Council’s SEPA One-Leg Out Instant Credit Transfer (OCT Inst) scheme or OCT Inst scheme means an open standards scheme providing a set of interbank rules, standards and practices to be complied with by OCT Inst scheme participants, allowing payment services providers in the Single Euro Payments Area (SEPA) to achieve interoperability for the provision and operation of the Euro leg of an international instant credit transfer;.

instant payment order means, in line with the European Payments Council’s SEPA Instant Credit Transfer (SCT Inst) scheme or One-Leg Out Instant Credit Transfer (OCT Inst) scheme, a cash transfer order which can be executed 24 hours a day any calendar day of the year, with immediate or close to immediate settlement and notification to the payer, and which includes: (i) TIPS DCA to TIPS DCA instant payment orders; (ii) TIPS DCA to TIPS AS technical account instant payment orders; (iii) TIPS AS technical account to TIPS DCA instant payment orders; and (iv) TIPS AS technical account to TIPS AS technical account instant payment orders;.

near instant payment means a transfer of cash order which complies with the NL Standard for instant processing of SEPA credit transfers, or with the European Payment Council’s SEPA One-Leg Out Instant Credit Transfer (OCT Inst) Scheme;.