EU FX Transparency Regulation

CBPR2 Compliance

Information Pack

EU FX Transparency Regulations

The CBPR2 regulations came into effect in the EU in 2020 and will come into force in EFTA countries from July 2025. This regulation aims to provide greater transparency on the cost of cross-currency spend on cards.

Cambrist has collated all the key information required by Issuers and BIN Sponsors to understand their obligations

Regulatory

REquirements

FX pricing Transparency

CBPR2 requires Card Issuers to present the cost of foreign currency payments as a single % cost compared to the ECB reference rate

Display Pricing before each transaction

This information must be available to customers at all times via a website for all EEA currencies before they make a transaction

send Pricing via a customer notification

This information must be sent to customers via transaction notification message (Push, SMS or email) at time of authorization

CBPR2 Information Pack

EU Legislation

Get the full text of the CBPR2 Legislation

EBA Guidelines

Implementation Guidelines from the European Banking Authority

Examples

Sample Implementations from leading Banks & Fintechs

Go-Live Checklist

Start using this CBPR2 checklist before go-live with new programs

About Cambrist

Cambrist is a global technology solutions provider helping the payments industry solve complex data challenges.

Cambrist builds and delivers innovative data processing & analytics products for payment card programme finance, operations and product teams within retail banks and fintechs.

Our tech stack is flexible and versatile to meet the varied needs of our clients as we deliver a full set of products to reduce risk and increase card programme efficiency & profitability.

Cambrist

cbpr 2 compliance solution

Simplify compliance with the EU Crossborder Payment Regulation (CBPR2).

Our NOTIFY solution suite minimizes Bank effort and cost in providing complete and accurate FX rate disclosures and notifications.

Learn More

data

feed

From

€300

key features

Cambrist API includes all required rates and mark-up calculations for compliance

managed

service

From

€1,000

key features

Fully outsourced solution for a customised webpage connected by hyperlink or iFrame

customer

notifications

Request a Quote

key features

Communications module (email/sms) to present pricing to customers at the time of authorization

Customer Testimonials

“EML is committed to operating at the highest compliance standards and we strive to bring best in class services to our European card programs. Cambrist’s Notify services achieve both objectives, while providing us with the flexibility and versatility we need to support our broad customer base.”

Nikki Evans,

CEO EML Money DAC

Fabian Terner, Pliant’s Co-Founder and CPO/COO

“Cambrist is a valued partner, and we are excited to continue working together. This extended agreement will support our expansion into new currencies and ensure we meet our regulatory requirements under CBPR2”

Customer examples