Since the entering into force of the VZKG in 2016, offering so called payment accounts to consumers comes with different obligations – which become more and more burdensome every year. The ECJ has recently ruled that certain saving accounts cannot be classified as payment accounts. The decisive criterion was that the savings accounts in question required an intermediary account. A payment account according to the Payment Services Directive must enable payment transactions to and from third parties. (ECJ C-191/17).