SEPA Direct Debit Services
SEPA Direct Debit Services are rights/options that customers can avail of in order to manage their direct debits under the SEPA scheme. The table below provides a list of all the SEPA Direct Debit Services available and allows you to access relevant forms.
All SEPA direct debit services can be accessed online via 365 online (’SEPA Direct Debit Services’ found in the Online Service Desk area). For those services which cannot be submitted online you must download, print, sign and return the form to the address specified. These are marked in the below table.
If you do not bank online, access to SEPA Direct Debit Services can be made by downloading, printing and signing forms from the below list. These will need to be mailed to the address specified.
For more information see the SEPA Direct Debit FAQs.
Please Note: SEPA Direct Debit services are available to Republic of Ireland customers only.
- Refuse Specific Direct Debit Payment(s)
The Refuse Specific Direct Debit Payment(s) instruction requests Bank of Ireland not to process the next SEPA Direct Debit payment due, or all subsequent SEPA Direct Debit payments, to an Originator under a specific mandate reference. This will only block the next payment, or all subsequent payments, on that mandate. If you want to block ALL direct debits on your account, or cancel the mandate specified, please use the appropriate form.
- Reactivate Specific Direct Debit Payment(s)
The Reactivate Specific Direct Debit Payment(s) instruction requests Bank of Ireland to reactivate the next payment to a specific Direct Debit that had previously been placed on hold under the Refuse All request. Please note a direct debit cannot be reactivated if it has previously been permanently cancelled.
- Block Account to all Direct Debit Payment(s)
The Block Account to all Direct Debit Payment(s) instruction requests Bank of Ireland to ensure that all SEPA Direct Debit payments on your account will not be processed. This block will remain in place unless you send an instruction to “Reactivate (unblock) account to all Direct Debit Payments”.
- Reactivate/Unblock Account to All SEPA Direct Debits
This is an instruction to Bank of Ireland to reverse your previous instruction to block your account to all Direct Debit Payment(s), and it will allow Bank of Ireland to process all future SEPA Direct Debit payments on your account.
- Cancel Direct Debit Mandate
The Cancel Direct Debit Mandate instruction requests Bank of Ireland to cancel a nominated mandate, and permanently stop all SEPA Direct Debit payments for the unique mandate reference specified in your request. Once this request is processed by Bank of Ireland your mandate cannot be reactivated. If you do not wish to permanently cancel your SEPA Direct Debit, you may want to request the “Refuse Specific Direct Debit Payment(s)” or “Block Account to all Direct Debit Payment(s)” service instead.
- Refund Direct Debit Payment(s) *
The Refund Direct Debit Payment(s) instruction requests Bank of Ireland to refund a direct debit by completing and returning a refund request form. Within the form you have the option to request a refund of any SEPA Direct Debit transaction (available within 8 weeks of the payment) or any unauthorised SEPA direct debit transaction (available after 8 weeks and up to 13 months after the payment).
*You must download, print and sign and return to the address specified.
- Add or Delete Creditors to Black or White List *
The Add or Delete Creditors to a Black or White List instruction requests Bank of Ireland to set up a Black or a White List on your behalf. By setting up a Creditor Black List means that you want to specify all the Creditors from whom you will reject direct debits. If you set up a Black List it also means that direct debits from all Creditors not on the list are automatically accepted. By setting up a Creditor White List means that you want to specify all the Creditors from whom you will accept direct debits. If you set up a White List it also means that direct debits from all Creditors not on the list are automatically rejected. You may only instruct the bank to create a Black List or a White List. You cannot request both types to be maintained at the same time.
*You must download, print and sign and return to the address specified.
- Limit Mandate by Amount or Frequency*
The Limit Mandate by Amount or Frequency instruction requests bank of Ireland to limit your mandate by amount or frequency. By setting up a limit on a direct debit mandate you are agreeing that direct debit transactions drawn against the specified mandate will only be paid up to the specified limit amount and that transactions in excess of this limit will be returned unpaid in full. By setting up a frequency limit on a direct debit mandate you are agreeing that you never want to pay a direct debit for more than that frequency e.g. if you set up a monthly frequency limit it means that you only want to pay by direct debit a maximum of once a month for this mandate. Any other direct debit received during the month will be returned unpaid in full. Any direct debit transaction that exceeds the limit amount or frequency requested for a specified mandate will be rejected in full.
*You must download, print and sign and return to the address specified.