Opinion of Advocate General Szpunar delivered on 2 May 2019.#Verein für Konsumenteninformation v Deutsche Bahn AG.#Request for a preliminary ruling from the Oberster Gerichtshof.#Reference for a preliminary ruling — Technical and business requirements for credit transfers and direct debits in euro — Regulation (EU) No 260/2012 — Single euro payments area (SEPA) — Payment by direct debit — Article 9(2) — Accessibility of payments — Residence condition.#Case C-28/18.