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What is SEPA Direct Debit (SDD)?

SEPA Direct Debit

The SEPA direct debit (SDD) is used for debit transactions carried out in euro within the SEPA zone.

It has the following features:

  • An authorisation known as a "mandate" is given by the debtor to the creditor
  • Identification of the debtor thanks to the IBAN (combined with the BIC for non-EU countries)
  • Issue of an advance notification (or notice of direct debit) before the first collection
  • 140 characters of descriptive text
  • Issue of the debit order between 5 and 2 days prior to the payment due date

The SEPA direct debit includes the following information:

  • The unique mandate reference (UMR): a code which enables each direct debit to be identified
  • The payment status (transaction type):
    • OneOff - for a direct debit made once only
    • First - for the first direct debit of a series
    • Recurrent - for the recurring transactions in a series
    • Final - for the final direct debit in a series