# PSD3 Article 37 — Services where cash is provided in retail stores without a purchase

Textual state: amended_substantial. 131 words changed; 2 paragraphs added

- Current text: Council final compromise text (Council document 8222/26) — not yet law.
- Compared against: COM(2023) 366 final — superseded.
- Classification is mechanical; method: https://paymentslaw.eu/method/
- Editorial review state: not_assessed. Markers are curated and selective, not a complete assessment.

Word-level diff, proposal → compromise: `{+text+}` was inserted, `[-text-]` was deleted.

## Paragraph 1

1. {+Without prejudice to paragraph 1b, +}Member States shall exempt from the application of this Directive natural or legal persons providing cash in retail stores independently of any purchase provided the following conditions are met: (a) the service is offered at its premises by a natural or legal person selling goods or services as a regular occupation; (b) the amount of cash provided {+per withdrawal +}does not exceed EUR [-50 per withdrawal. -]{+150, or the equivalent in national currency; (ba) the client’s withdrawal is subject to strong customer authentication. Member States may adopt lower limit than the one specified in point (b) of this paragraph, but not lower than EUR 100, or the equivalent in national currency.+}

## New paragraph 1a

{+1a. Member States may provide for a daily withdrawal limit per payment account for the services as exempted under paragraph 1. The limit shall be set at an adequate level to ensure the protection against money laundering and countering terrorist financing risks and shall not be lower than EUR 200.+}

## New paragraph 1b

{+1b. The payment service user shall be provided with information on any charges for the service provided in accordance with paragraph 1 before the requested cash is provided.+}

## Paragraph 2

2. This Article shall be without prejudice to Directive (EU) 2015/849 or any other relevant Union or national anti-money-laundering/terrorist financing laws.