Mandate templates

Changes of account number or other details of the creditor have to be added to the existing mandate. For SEPA Direct Debit B2B collections these changes must also be implemented in the consent of the B2B mandate. With the initiation of the collection, details of the changes have to be provided by adding the old and new information within the XML format.

Core

B2B

Dutch (the Netherlands)

Dutch (the Netherlands)

Dutch (Belgium)

Dutch (Belgium)

English

English

French (Belgium)

French (Belgium)

French (France)

French (France)

German

German

Italian

Italian

Portuguese

Portuguese

Spanish

Spanish

Spanish - bilingual

Spanish - bilingual

Swiss - multilingual

Swiss - multilingual

 

SEPA Direct Debit mandate

See the table above for different templates that are available for mandates SEPA Direct Debit Core, Cor1 and B2B per country. You can also design your own mandate.

The European Payment Council has not determined rules on the lay-out of SEPA mandates, but it is compulsory to show the following information for the SEPA Direct Debit Core and B2B:

  • SEPA logo or word ‘’SEPA’’
  • Mandate reference, to be filled in by the creditor
  • Text in which the debtor authorises the creditor and his own bank to withdraw money from his bank account.
  • Creditor name, address and country
  • Creditor ID
  • Debtor’s account number (IBAN)
  • Debtor’s BIC
  • Debtor’s name, address and country
  • Place and date of signing
  • Debtor’s signature
  • For a recurrent mandate:
    • State that it is a continuous mandate
    • Refund period & explanation
  • For a one-off mandate:
    • State that it is a one-off mandate
    • Refund period & explanation
  • On the website you will find some examples of mandate lay-outs for different countries.

Both debtor and creditor are responsible for implementing changes to mandates. Mandates must be changed for any of the reasons stated below. These changes must also be communicated to the debtor, making it clear who the payee is to avoid potential disputes when collecting payments:

  1. The creditor changes the unique characteristics of the mandate because of internal organisational changes or restructuring.
  2. The creditor has begun using a new creditor ID. The changes may occur following a merger, take over, separation or a major restructuring.
  3. The creditor has changed names.

The following reasons apply to changes in a mandate, in these instances the debtor initiates the changes and needs to inform the creditor.

  1. The debtor changes bank account at the same bank.
  2. The debtor changes banks and therefore the account number also changes.

The creditor must always put all changes in writing, record them and provide them when the next payment is due. Details of the changes are to be provided by adding the old and new information to the mandate within the XML message.

There are various services available in het market for mandate management services. These companies offer to maintain and supply the mandates for the SEPA Direct Debit.

The mandate reference is a distinguishing number that is generated by the merchant and which must be added to the SEPA mandate.

There are no rules that determine the creation of the mandate reference, which can be developed by the creditor themselves. However, it must comply with the following two criteria:

  • The mandate reference, in combination with the Creditor ID, must form a unique combination. This makes every mandate unique and easily traceable.
  • It can contain no more than 35 characters.

If the debtor withdraws the mandate, then the creditor no longer has the right to collect the payment. For SEPA Direct Debit Core, it is not compulsory for the debtor to register the mandate with the bank. This obligation only applies to SEPA Direct Debit B2B. The scheme has no rules requiring a creditor to be informed by the bank when a debtor withdraws their mandate. The withdrawal of a mandate is normally the result of a contract between creditor and debtor coming to an end.

For SEPA Direct Debit B2B the following rule applies:
If the mandate is no longer registered and the bank receives a request for a SEPA Direct Debit B2B, then the debtor’s bank will not accept the request and no money will be transferred to the creditor.

It is also possible for the debtor to freeze his account number for a specific creditor or for all collections on a specific account number. To disable collections on your account number or for a specific creditor, contact your local ING office.

Mandate related information (MRI) is information that the creditor must transmit to the creditor bank along with each collection. This is the information from the mandate that is digitalised by the creditor. The following details are compulsory MRI:

  • Creditor ID
  • Mandate reference
  • Debtor’s IBAN and BIC
  • Debtor’s name and address
  • Date of signing
  • Type of mandate (recurrent or one off)

The SEPA Direct Debit consists of the following sequence types:

  • One Off
  • Recurrent (optional usage of sequence type First)
  • Last