Redemption under this section shall be made, at the option of the electronic money holder, in legal tender coins and banknotes or by a payment transaction ordered by the issuer for the benefit of the electronic money holder.
For redemption in coins and banknotes, the electronic money issuer may agree with the holder on redemption by transmission of funds. Notwithstanding any clause to the contrary, the electronic money issuer shall bear the costs relating to this transaction.