You will need a business current account to request a direct debit contract. We will consult with you on which direct debit type suits your business and what amounts you can debit. To request a direct debit contract, fill in the request form or get in touch with us.
Before you can debit amounts from your clients, your clients must first issue a mandate to you. You can have them do this using a paper mandate form or an eMandate.
Timescales have been agreed for direct debits, such as when you need to let the client know that you are going to debit, or the last day on which your client can have the direct debit refunded.
There are various ways of submitting a direct debit. If you already know when you want to debit from the client, see below for when you need to submit the instruction to us. Submit SEPA direct debit batches in the pain.008 (xml) file format.
SEPA direct debits can be refused, revoked or refunded. This can be initiated by your client or by you.
You can make direct debits from clients in all SEPA countries. These are all countries in the European Union, plus some others.
Please note that you must accept direct debits from all IBANs. You can’t refuse a mandate or a direct debit because the IBAN is from another country. Your systems must be able to process direct debits from IBANs from all SEPA countries.
SEPA direct debits are always in euros. Some SEPA countries have a currency other than the euro. Banks in those countries may only be able to process SEPA direct debits from a euro account and not from an account in the local currency. This may vary from one bank to another.
You can start successfully using SEPA direct debits in just six steps.
