Integration of the banking services markets in the EU is accompanied by adjustments in the regulation system. This is particularly visible in the growing importance of the international institutions cooperating in this field. The key EU institution dealing with system security is the European Central Bank's Committee on Banking Supervision. Nevertheless, banks in the EU, particularly on an everyday basis, are still being supervised mainly by competent domestic authorities. Although the primary tasks of supervisory authorities in various countries are generally the same, there are certain differences in the ways these tasks are approached and handled. In the majority of the EU member states, supervisory measures are taken by their central banks. Yet, in the last few years, in a growing number of countries the supervision of the banking system has been exercised by institutions established to control and monitor the entire finance market. Such an integrated model of supervision seems to be better suited to the real changes which are taking place, and specifically the emergence of financial conglomerates or development of financial innovations. Consequences of the limited influence on market structure of the freedom connected with uniform bank charter pose a considerable challenge to the EU. This problem could be partly solved by the introduction of unified safety standards.