Judgment of the Court (Fifth Chamber) of 2 April 2020.#Gazdasági Versenyhivatal v Budapest Bank Nyrt. and Others.#Reference for a preliminary ruling — Competition — Agreements, decisions and concerted practices — Article 101(1) TFEU — Card payment systems — Interbank agreement fixing the level of interchange fees — Agreement restricting competition ‘by object’ and ‘by effect’ — Concept of restriction of competition ‘by object’.#Case C-228/18.