Mandatory mandate contents

This article explains the mandatory wording in SEPA Direct Debit mandates.


This article explains the mandatory wording in SEPA Direct Debit mandates.

SEPA Direct Debit mandates must include certain mandatory wording:

1. The standard heading: ‘SEPA Direct Debit mandate’.

2. The heading of the mandate must contain the following mandatory legal text:

Core scheme

“By signing this mandate form, you authorise (A) {NAME OF MERCHANT} to send instructions to your bank to debit your account and (B) your bank to debit your account in accordance with the instructions from {NAME OF MERCHANT}. As part of your rights, you are entitled to a refund from your bank under the terms and conditions of your agreement with your bank. A refund must be claimed within 8 weeks starting from the date on which your account was debited. Please complete all the fields marked.”

B2B scheme

“By signing this mandate form, you authorise (A) {NAME OF MERCHANT} to send instructions to your bank to debit your account and (B) your bank to debit your account in accordance with the instructions from {NAME OF MERCHANT}. This mandate is only intended for business-to-business transactions. You are not entitled to a refund from your bank after your account has been debited, but you are entitled to request your bank not to debit your account up until the day on which the payment is due. Please complete all the fields marked. *”

3. The mandate must also contain the following legal wording:

“Your rights are explained in a statement that you can obtain from your bank.”

SEPA Direct Debit mandates must also include certain mandatory information

  • Whether it is core/B2B
  • Unique mandate reference
  • Name of the payer
  • IBAN of the payer
  • BIC code of the payer’s bank
  • Merchant company name
  • Merchant’s Creditor Identifier
  • Merchant’s full address (including postal code and country)
  • Type of payment
  • Signature place and time
  • Signature(s)*

* * The SEPA e-mandate scheme does so through the payer's online banking, but this is currently unsupported by the banks. GoCardless maintains comprehensive logs of the 'electronic signature' the customer creates.*

GoCardless can help design a compliant SEPA mandate. We also have created an easy to complete form which populates a SEPA compliant mandate (here) via our API. This mandate includes all of the above information.

To find out more about collecting SEPA Direct Debits or to register your interest with GoCardless, check out our GoCardless Europe page.

‹ View table of contents Next page ›

Latest features

Small business guide to building the balance sheet

What is a balance sheet is & what does it tell you about your financial health?

Your top cash flow questions answered

We took a look around the internet to find the most-asked questions about cash flow. Here are the answers.

5 steps for a successful transition from invoicing to subscription billing

If you bill your regular customers on a recurring basis, take advantage of subscription billing and bring more predictable revenue to your business. In this guide, we walk through 5 steps to moving to a subscription model.

View all


Reference guides

View all