The direct debit mandate from A to Z

As the payee, you are required to manage your own direct debit mandates. The PC banking Pro and PC banking Business tools help you do this. The direct debit mandate is the cornerstone of the European direct debit system. The debtor completes the mandate and sends it to the creditor, rather than to its bank.


Essential information

  • Creditor's details.
  • Debtor's details.
  • Debtor's BIC (Bank Identifier Code, i.e. the code used to identify a bank within the European payments system).

  • Debtor's IBAN (International Bank Account Number, i.e. the number allocated to a current account within Europe for the purposes of international credit transfers in euros).

  • Date and signature of debtor.
  • European reference number for the mandate (completed by the creditor).

  • Type of direct debit: one-off or recurring.
  • A clear reference to the underlying contract. The reference number of the underlying contract and its description. Underlying contract means the contract agreed between the debtor and the creditor for the provision of the agreed service/product.


Bank availability

Not all banks are ready for the switch to European direct debits. It is therefore advisable to check in advance whether the payer's bank uses the system.

Here is a list of banks that are able to work with European direct debits (pdf).


Differences compared with the existing direct debit mandate

  • Addition of the European reference number.
  • Accounts identified by their IBANs.
  • Reference to the underlying contract.
  • Indication of whether the payment is a one-off or recurring transaction.


SEPA - Business-to-Business European direct debit mandate (pdf) SEPA - Core European direct debit mandate (pdf)

European direct debits demo (FR, pdf)

European direct debits demo (FR, pdf) 


The direct debit mandate


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