Germany: EuGH: Bezahlung per Lastschrift darf nicht von Wohnsitz im Inland abhängig gemacht werden

Last Updated: 13 September 2019
Article by Jens Borchardt
Most Popular Article in Germany, September 2019

Im Online-Handel werden den Kunden üblicherweise mehrere alternative Zahlungsmethoden (Rechnungskauf, Lastschrift, Kreditkarte, PayPal usw.) zur Verfügung gestellt. Allerdings bieten Händler die Nutzung bestimmter Zahlungsmethoden häufig nur ausgewählten Kundengruppen an bzw. stellen für die Nutzung besondere Anforderungen auf. So ist ein Rechnungskauf vielfach nur für solche Kunden möglich, die bereits zuvor bei dem jeweiligen Händler gekauft haben. Mit einer anderen Fallkonstellation musste sich der Europäische Gerichtshof in einer aktuellen Entscheidung (EuGH, Urt. v. 05.09.2019, Rechtssache C-28/18 – Verein für Konsumenteninformation / Deutsche Bahn AG) befassen:

In dem konkreten Fall hatte der österreichische Verein für Konsumenteninformation vor den österreichischen Gerichten eine Klausel in den Beförderungsbedingungen der Deutschen Bahn beanstandet, wonach eine über die Webseite der Deutschen Bahn getätigte Buchung nur dann per Lastschrift bezahlt werden kann, wenn der Kunde seinen Wohnsitz in Deutschland hat. Da die Beantwortung der Frage, ob eine solche Klausel zulässig ist, maßgeblich von der Auslegung europäischer Vorschriften abhängt, hatte der mit der Rechtssache befasste österreichische Oberste Gerichtshof diese Frage dem EuGH zur Vorabentscheidung vorgelegt.

Nach Auffassung des EuGH verstößt die Klausel in den Beförderungsbedingungen der Deutschen Bahn tatsächlich gegen europäisches Recht, nämlich die Verordnung (EU) Nr. 260/2012 zur Festlegung der technischen Vorschriften und der Geschäftsanforderungen für Überweisungen und Lastschriften in Euro: Denn nach dieser Verordnung solle es Verbrauchern ermöglicht werden, für jegliche Zahlung innerhalb der Europäischen Union per Lastschrift nur ein einziges Zahlungskonto zu nutzen, um damit Kosten, die mit der Führung mehrerer Zahlungskonten verbunden sind, zu vermeiden. Mit der streitgegenständlichen Klausel werde jedoch gerade indirekt der EU-Mitgliedsstaat bestimmt, in dem das Zahlungskonto geführt werden muss.

Die Unzulässigkeit der Klausel besteht nach Auffassung des EuGH abhängig davon, ob der Händler alternative Zahlungsmethoden anbieten würde. Zwar könne der Händler frei entscheiden, ob er die Zahlungsmethode Lastschrift" anbiete. Bietet er sie an, dürfe er dem Kunden jedoch nicht indirekt vorschreiben, in welchem EU-Mitgliedstaat das Zahlungskonto zu führen sei. Das Missbrauchs- oder Zahlungsausfallrisiko könne der Händler zudem dadurch verringern, dass er die Fahrkarten erst dann liefert bzw. deren Ausdruck ermöglicht, nachdem der erfolgreiche Einzug der Zahlung bestätigt wurde.


Händler, die die Zahlungsmethode Lastschrift" anbieten, sollten – unabhängig davon, ob weitere Zahlungsmethoden gewählt werden können – die Auswahl dieser Zahlungsmethode nicht länger von einem Wohnsitz des Kunden im Inland abhängen machen. Dies betrifft sowohl technische Beschränkungen als auch Beschränkungen in Allgemeinen Geschäftsbedingungen.

The content of this article is intended to provide a general guide to the subject matter. Specialist advice should be sought about your specific circumstances.

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