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Bundesgerichtshof entscheidet über eine Preisklausel für sogenannte smsTAN

Pressestelle des Bundesgerichtshofes vom 25.07.2017 Urteil vom 25. Juli 2017 – XI ZR 260/15

Der u. a. für das Bankrecht zuständige XI. Zivilsenat des Bundesgerichtshofs hat entschieden, dass die vorformulierte Klausel „Jede smsTAN kostet 0,10 € (unabhängig vom Kontomodell)“ in Bezug auf Verträge über Zahlungsdienste zwischen einem Kreditinstitut und Verbrauchern unwirksam ist.

Sachverhalt:

Der Kläger, ein Verbraucherschutzverband, wendet sich mit der Unterlassungsklage nach § 1 UKlaG gegen eine von der beklagten Sparkasse verwendete Preisklausel für smsTAN. Der Kläger behauptet, die Beklagte verwende in ihrem Preisverzeichnis eine Klausel mit folgendem Wortlaut: „Jede smsTAN kostet 0,10 € (unabhängig vom Kontomodell)“. Er ist der Ansicht, diese Klausel verstoße gegen § 307 BGB*, und nimmt die Beklagte darauf in Anspruch, deren Verwendung gegenüber Privatkunden zu unterlassen. Die Beklagte stellt nicht in Abrede, eine Preisklausel für smsTAN zu verwenden, bestreitet aber, dass diese den vom Kläger behaupteten Wortlaut hat.

Prozessverlauf:

Die Klage ist in beiden Vorinstanzen erfolglos geblieben. Das Oberlandesgericht hat eine Preisklausel mit dem vom Kläger behaupteten Wortlaut als nicht der AGB-Kontrolle unterliegende sogenannte Preishauptabrede eingeordnet und deshalb  Feststellungen dazu, ob die Beklagte die beanstandete Klausel mit dem behaupteten Wortlaut in ihrem Preisverzeichnis tatsächlich verwendet, für entbehrlich erachtet. Der Bundesgerichtshof hat aufgrund der zugelassenen Revision des Klägers das Urteil des Oberlandesgerichts aufgehoben und die Sache zur neuen Verhandlung und Entscheidung an das Berufungsgericht zurückverwiesen.

Entscheidung des Bundesgerichtshofs:

Der Bundesgerichtshof hat die Unterlassungsklage für zulässig erachtet. Bei Klagen nach § 1 UKlaG muss der Klageantrag die beanstandeten Bestimmungen der Allgemeinen Geschäftsbedingungen im Wortlaut enthalten, anderenfalls ist die Klage unzulässig. Ist streitig, ob eine vom Kläger beanstandete Klausel in dieser Fassung vom Beklagten tatsächlich verwendet wird, reicht es für die Zulässigkeit der Klage aus, wenn unter Angabe des zugrundeliegenden Lebenssachverhalts die Verwendung der bestimmten Klausel behauptet und deren konkreter Wortlaut im Klageantrag wörtlich wiedergegeben wird; ob die beanstandete Klausel in dieser Fassung tatsächlich Verwendung findet, ist demgegenüber eine Frage der Begründetheit der Klage. Den hiernach bestehenden Zulässigkeitsvoraussetzungen genügt vorliegend das Klagevorbringen.

Entgegen der Auffassung des Berufungsgerichts unterliegt die beanstandete Klausel – deren Verwendung mit dem vom Kläger behaupteten Wortlaut durch die Beklagte mangels entgegen stehender Feststellungen im Revisionsverfahren zu unterstellen war – gemäß § 307 Abs. 3 BGB* der Inhaltskontrolle nach § 307 Abs. 1 und Abs. 2 BGB*, weil sie eine von Rechtsvorschriften abweichende Regelung enthält.

Die Klausel ist aufgrund ihres einschränkungslosen Wortlauts („Jede smsTAN…“) so auszulegen, dass sie ein Entgelt in Höhe von 0,10 € für jede TAN vorsieht, die per SMS an den Kunden versendet wird, ohne dass es darauf ankommt, ob diese im Zusammenhang mit der Erteilung eines Zahlungsauftrages eingesetzt wird. Die Beklagte beansprucht danach etwa für jede TAN ein Entgelt, die zwar per SMS an den Kunden übersendet, von ihm aber z. B. auf Grund eines begründeten „Phishing“-Verdachts oder wegen der Überschreitung ihrer zeitlichen Geltungsdauer nicht verwendet wird. Ferner fällt nach der Klausel ein Entgelt auch dann an, wenn die TAN zwar zur Erteilung eines Zahlungsauftrags eingesetzt werden soll, dieser aber der Beklagten wegen einer technischen Fehlfunktion gar nicht zugeht.

Mit dieser ausnahmslosen Bepreisung von „smsTAN“ weicht die Klausel von § 675f Abs. 4 Satz 1 BGB** ab. Danach kann ein Zahlungsdienstleister zwar für die Erbringung eines Zahlungsdienstes das vereinbarte Zahlungsentgelt verlangen. Zu den Zahlungsdiensten, für die ein Entgelt erhoben werden kann, gehört auch die Ausgabe von Zahlungsauthentifizierungsmitteln, wie es das Online-Banking mittels PIN und TAN darstellt. In diesem Rahmen kann die Ausgabe einer per SMS übersendeten TAN aber nur dann als Bestandteil der Hauptleistung mit einem Entgelt nach § 675f Abs. 4 Satz 1 BGB bepreist werden, wenn sie auch tatsächlich der Erteilung eines Zahlungsauftrages dient und damit als Teil des Zahlungsauthentifizierungsinstruments „Online-Banking mittels PIN und TAN“ fungiert, weil von der Beklagten nur in diesem Fall ein entgeltpflichtiger Zahlungsdienst erbracht wird.

Der danach eröffneten Inhaltskontrolle hält die Klausel nicht stand. Sie weicht entgegen dem Gebot des § 675e Abs. 1 BGB*** zum Nachteil des Zahlungsdienstnutzers von den Vorgaben des § 675f Abs. 4 Satz 1 BGB ab.

Das Berufungsgericht wird nunmehr die bislang unterbliebenen Feststellungen dazu nachzuholen haben, ob die Beklagte die vom Kläger beanstandete Klausel „Jede smsTAN kostet 0,10 € (unabhängig vom Kontomodell)“ tatsächlich verwendet.

 

Vorinstanzen:

LG Frankfurt am Main – Urteil vom 17. Januar 2013 – 5 O 168/12

OLG Frankfurt am Main – Urteil vom 29. Mai 2015 – 10 U 35/13

 

*§ 307 BGB Inhaltskontrolle

(1) Bestimmungen in Allgemeinen Geschäftsbedingungen sind unwirksam, wenn sie den Vertragspartner des Verwenders entgegen den Geboten von Treu und Glauben unangemessen benachteiligen. Eine unangemessene Benachteiligung kann sich auch daraus ergeben, dass die Bestimmung nicht klar und verständlich ist.

(2) Eine unangemessene Benachteiligung ist im Zweifel anzunehmen, wenn eine Bestimmung

 

  1. mit wesentlichen Grundgedanken der gesetzlichen Regelung, von der abgewichen wird, nicht zu vereinbaren ist oder

 

  1. wesentliche Rechte oder Pflichten, die sich aus der Natur des Vertrags ergeben, so einschränkt, dass die Erreichung des Vertragszwecks gefährdet ist.

(3) Die Absätze 1 und 2 sowie die §§ 308 und 309 gelten nur für Bestimmungen in Allgemeinen Geschäftsbedingungen, durch die von Rechtsvorschriften abweichende oder diese ergänzende Regelungen vereinbart werden. Andere Bestimmungen kön-nen nach Absatz 1 Satz 2 in Verbindung mit Absatz 1 Satz 1 unwirksam sein.

 

**§ 675f BGB Zahlungsdienstevertrag

(4) Der Zahlungsdienstnutzer ist verpflichtet, dem Zahlungsdienstleister das für die Erbringung eines Zahlungsdienstes vereinbarte Entgelt zu entrichten. Für die Erfüllung von Nebenpflichten nach diesem Untertitel hat der Zahlungsdienstleister nur dann einen Anspruch auf ein Entgelt, sofern dies zugelassen und zwischen dem Zahlungsdienstnutzer und dem Zahlungsdienstleister vereinbart worden ist; dieses Entgelt muss angemessen und an den tatsächlichen Kosten des Zahlungsdienstleisters ausgerichtet sein.

 

 

***§ 675e Abweichende Vereinbarungen

 

(1) Soweit nichts anderes bestimmt ist, darf von den Vorschriften dieses Untertitels nicht zum Nachteil des Zahlungsdienstnutzers abgewichen werden.

 

 

Karlsruhe, den 25. Juli 2017

 

Pressestelle des Bundesgerichtshofs

76125 Karlsruhe

Telefon (0721) 159-5013

Telefax (0721) 159-5501

 

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