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How do SEPA Direct Debits work?

The SEPA Direct Debit is a European payment system. It allows companies to settle and receive payments in European currencies from bank accounts domiciled within the 34 states of the SEPA zone and related areas.

There are two types of Direct debits :

SEPA Core Direct Debits

SEPA Core Direct Debits are the most common. All you need to do is to provide your Qonto bank details to your creditor. You can access them from the Accounts section by clicking on the icon, at the bottom left, and download them in the language of your choice. The creditor will be allowed to debit your account. You have nothing else to do!

☝️ Good to know: You can dispute a SEPA Core Direct Debit if the amount that appears in your account history seems to be wrong.

Note: If you have multiple current accounts, the process remains is quite similar. All you have to do is choose on which account you want to set up the SDD.

SEPA Direct Debits B2B

SEPA Direct Debits B2B are mainly used by public institutions (DGFIP, URSSAF, SIE ...).

To authorize the debit from your account you must:

  • Sign the SEPA Direct Debit B2B mandate provided by the creditor
  • Log into your Qonto account and upload it into the Direct debits section
  • Complete the mandate information: the Unique Mandate Reference (RUM), your Creditor SEPA Identifier (ICS) and Direct Debit type (one-time or recurring)
  • If you have multiple accounts, select the account to debit
  • Confirm your operation by entering your confirmation code

✌️ Good to know: You can suspend or reactivate a Direct Debit at any time. But keep in mind that a SEPA Direct Debit B2B cannot be disputed once executed.

"Direct debits" section is only available on the web application.

Do you still have questions?

If you can't find the answer to your question in our FAQ, you can always contact us. We will answer you shortly!