Report of Complaints Managed in 2025

TRANSPARENCY OF BANKING AND FINANCIAL OPERATIONS AND SERVICES FAIRNESS OF RELATIONSHIPS BETWEEN INTERMEDIARIES AND CUSTOMERS

(Provision of the Bank of Italy of 19 March 2019)

Pursuant to the Supervisory Provisions of the Bank of Italy of 19 July 2019 on “Transparency of banking and financial operations and services – Fairness of relations between intermediaries and customers” , and subsequent additions, a report is drawn up and made public on the management of complaints and any appeals submitted to the Banking and Financial Arbitrator (ABF) relating to the banking and financial operations and services sector, with reference to the Ria service provided through the network of agents operating in Italy on behalf of Ria Payment Institution EP SAU .

During 2025, Ria Payment Institution EP SAU  registered and handled two consumer complaints in Italy, through its Central Contact Point in Italy, Ria Italia Srl , regarding the execution of money transfers in Italy. The complaints received in 2025 were all rejected.

It should also be noted that the transactions subject to complaint represent an infinitesimal percentage of the total number of transactions carried out through the network that distributes the service in Italy on behalf of Ria Payment Institution EP SAU .