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SEPA Direct Debits - Banco Sabadell
Manage your direct debits
Find out how it worksFind out how it works
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What are SEPA Direct Debits?
A secure payment and collection system for the SEPA area
It is a common system for sending and receiving payments in euro, shared by all the member states of the Single Euro Payments Area, which includes the 27 states of the European Union (EU) plus Iceland, Liechtenstein, Norway, Andorra, Monaco, San Marino, Switzerland, the United Kingdom and the Vatican.Really get to know SEPA
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Types you can choose from
Basic scheme (CORE) SEPA Direct Debits Manage transactions between self-employed people, companies and/or individuals
The payment will be made within three working date.
There are different return deadlines:
Up to 5 days for any reason.
Up to 8 weeks by order of the customer.
13 months for unauthorised payments (by order of the customer).
It is possible to reject an application for a return within this period by providing a copy of the current mandate.
You need a direct debit mandate from the debtor in order to direct debit payments.
The file format is ISO 20022 XML Notebook 19.14.
The IBAN code becomes the standardised code of the debtor’s account.
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SEPA Direct Debits corporate scheme (B2B) Manage transactions between companies and/or self-employed people
The payment will be made within three working date.
It reduces the return time to 3 working days.
It's compulsory to formalise new direct debit mandates in which the debtor waives the rights to return.
The file format is ISO 20022 XML Notebook 19.44.
The IBAN code is used as the standardised identifier of the debtor's account instead of the CCC.
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Tools at your disposal: SEPA-CORE and SEPA-B2B
You have at your disposal a range of applications and online tools of Banco Sabadell for these payment instruments:
Manage new direct debit mandates, which is an essential requirement to operate with this type, through the service of obtaining these mandates offered by the partner firm Logalty.