Reverse a direct debit: get your money back for wrong debits

You can have a SEPA direct debit reversed through your bank if something is wrong, whether it was double, too high or wrongfully debited. With an authorized direct debit you have eight weeks, with an unauthorized one even considerably longer.

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Your chances of getting your money back

You can have an authorized SEPA core direct debit reversed within eight weeks of the debit without giving reasons (§ 675x BGB).

If it was debited without a valid mandate (unauthorized), you can object to the debit for up to 13 months and demand reimbursement. The bank then reverses it.

What you should do now

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1. Check the transaction
Check the amount, the recipient and whether you granted a mandate. Note the debit date.
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2. Initiate the reversal
Have the direct debit reversed via your online banking or your bank (no problem within eight weeks).
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3. Object if there is no mandate
For an unauthorized debit, object to the debit, this is possible for up to 13 months.
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4. Clarify the dispute
If the recipient contests the reversal, clarify the underlying claim separately. The reversal itself remains your right.

How to spot the scam

It was debited twice or with the wrong amount.
You never granted a SEPA mandate.
After the reversal, unjustified reminders arrive.

Frequently asked questions

How long can I reverse a direct debit?

An authorized SEPA core direct debit within eight weeks of the debit without justification (§ 675x BGB). An unauthorized direct debit, without a valid mandate, you can challenge for up to 13 months.

Do I need a reason for the reversal?

For the authorized core direct debit, no, within the eight weeks it works without giving reasons. The underlying claim is not automatically settled by this, that has to be clarified separately.

What if the recipient sends reminders afterwards?

Object to an unjustified claim in writing. The reversal is your good right; whether the claim is justified is a separate question. But respond to reminders so that no order for payment goes unchallenged.

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General information for self-help, not legal advice (RDG). In case of a high loss or uncertainty: contact a consumer advice center or a lawyer.