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SEPA direct debit payments

SEPA direct debit payments

  • Secure money transfers to countries that have joined the SEPA direct debit scheme
  • Money is transferred automatically, if the payment is initiated by the payee
  • You can specify the limit for a single payment, as well as the total number of payments

What is a SEPA direct debit?

The SEPA direct debit is an international payment service for debiting funds from the account, if the payment is initiated by the payee based on the payer’s mandate. The transfer from the account of SEB bank customer is executed under SEPA Core Direct Debit Scheme.

Main features of the service

  • Money are transferred automatically, if the payment is initiated by the payee.
  • Account numbers of the payer and the payee must be in the IBAN format.
  • SEPA direct debit is only available in euros.
  • Money are debited only from the account specified in the agreement.
  • SEPA direct debit payment will be rejected on its receipt date, if the balance of funds in the specified account is insufficient.


How to apply for the SEPA direct debit service?

The SEPA direct debit service will be offered to any customer of SEB bank having a euro-denominated account at SEB and requesting to debit funds from the account automatically against the SEPA direct debit order issued by the payee.

Only the payer may apply for the SEPA direct debit service. The service will not be available to the payments collector.

  1. Give a mandate to the payee for initiating payments from your bank account. The payee will initiate the payment from your bank account.
  2. Fill out the application for the SEPA direct debit service via the SEB internet bank or by visiting any unit SEB bank.

Digitally

  1. Download to your smart device and fill out the application for the SEPA direct debit service
  2. Log in to internet bank, select “Other/Settings“ → Digital documents“
  3. Sign the application with Smart-ID, code calculator or mobile signature

At a branch

  1. Visit any unit of SEB
  2. You will be requested to submit your personal identity document

We would like to note that only one payee may be specified in the application for the SEPA direct debit service. If you gave the mandate to more than one payee, you will be required to fill out separate applications.

You need to specify the payee identifier in the application. You can find it in the mandate signed with the payee.

After receiving your application, SEB will automatically execute the SEPA direct debit payments from your selected euro account, if the payment request is received from the payees indicated by you.

  In force from In force to
Application for the SEPA direct debit service
2020.07.09
In force
Request of a payer using SEPA direct debit service
2020.07.09
In force
Request to cancel the SEPA direct debit service
2020.07.09
In force

 

How to apply online?

  1. Log in to internet bank.
  2. Select "Other/Settings“ from the menu bar.
  3. Click on "Digital documents“ from the list.
  4. Select "Upload document“
  5. Upload the filled out application (it is not necessary to print it out and manually sign it, you need to provide correct data and sign electronically).
  6. Select topic "SEPA direct debit payments“.
  7. Select one of possible document types:
    • application for conclusion / termination of the agreement, if you filled out an application to provide the SEPA direct debit service or application to cancel the SEPA direct debit service.
    • request for payment order copy, refund, suspend the payment, etc., if you filled out the request of a payer using SEPA direct debit service.
  8. Click on the Next button and sign the document.

Read more about the e-document signing portal here.

How do I verify whether an invoice has been paid or not?

All executed payments will be listed in your account statement (in EUR).

How do I submit applications?

If you are using the internet bank, all your applications related to the SEPA direct debit service may be submitted online. If you are not using the internet bank, you may visit the selected bank unit. You will be required to submit your personal identity document.

How do I order a confirmation of the executed SEPA direct debit payment?

A confirmation of the executed SEPA direct debit payment may be ordered online by filling out an application form template or by visiting the selected bank unit. The form template named “Request of a payer using SEPA direct debit service” is available in section “Documents“.

Tick the “Request to provide confirmation of execution of a SEPA direct debit order“ box and fill out the payer and the payee data.

Can I recover money debited under the SEPA direct debit order?

You are entitled to recover money debited under the SEPA direct debit order, if within 8 weeks from the date of funds debiting you provide us with an application for recovery of money. Tick the “Request for a refund of the amount debited in accordance with a SEPA direct debit order, if the SEPA direct debit order was executed not earlier than 8 weeks ago“ box.

If you noticed that funds were debited without your consent, you have to submit an application regarding illegal debit orders not later than within 13 months from the date of debiting.

The form template “Request of a payer using SEPA direct debit service” is available in section “Documents“ should be submitted online or by visiting the selected bank unit.

What actions should I take, if SEPA direct debit has been executed without my consent?

To recover illegally debited money, you need to fill out an application online or by visiting the selected bank unit. The form template “Request of a payer using SEPA direct debit service” is available in section “Documents“.

Tick the “Request for a refund of the amount debited under an unauthorized SEPA direct debit order, if a relevant unauthorized transaction was executed not earlier than 13 months ago“ box and specify the reason of refund.

What actions should I take to cancel SEPA direct debit service?

  1. Contact the payee and revoke the mandate.
  2. Submit the request to cancel the SEPA direct debit service via internet bank or fill it out by visiting the selected bank unit.

Does the bank execute all SEPA direct debit orders received from the payees?

The bank will automatically transfer funds only to the payee specified in the request. If you fail to specify the payee, the bank will execute all SEPA direct debit orders.

What should I do when I am not willing that funds are transferred to the specific payee?

If you are not willing that the bank automatically transfers funds to the specific payees, you need to submit an request of the payer using SEPA direct debit service, tick the "Request to block the execution of SEPA direct debit orders from a specific account” box and fill out the payer and the payee data.

In this case, the bank will execute all received SEPA direct debit orders, except for the payee you specified. This choice of yours takes effect no later than on the following business day when the bank receives a relevant notification submitted no later than 2.00 PM.

Can I cancel my request for rejecting SEPA direct debit orders received from specific payees?

If you are willing to revoke the automated payment blocking to specific payees, submit a new request of a payer using the SEPA direct debit service,tick the "Request to unblock SEPA direct debit orders in a specific account“ box and fill out the payee data.

Can I suspend one SEPA direct debit order?

You are entitled to instruct your bank to suspend the SEPA direct debit orders by notifying the bank and the payee. Such instruction must be given to the bank in written form, which comes into effect no later than on the following business day when the bank receives a relevant notification submitted no later than 2.00 PM.

To suspend one automatic transfer order, in the request of a payer using SEPA direct debit service tick the "Request for a one-off suspension of the execution of a SEPA direct debit order from a specific account“ box and fill out your data and the payee data.

 

 

Services Charges
Funds debiting to the account according to SEPA direct debit payment order (for each payment order)1 EUR 3.00

1 SEPA direct debit service is provided to a customer – payer, willing that funds are debited to his account according to SEPA direct debit payment order.

Contact

  • Private customers
    +370 5 268 2800
    (I–V 8.00–20.00 
    VI 9.00–18.00 
    VII 9.00–16.00)
  • Business customers

    +370 5 268 2822
    (I–V 8.00–17.00)
  • "Skype"
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