Cancelling Direct Debits with N26

I wanted to cancel a Direct Debit from my N26 account, and couldn’t find any reference to it in the app, so I contacted customer care.

Here’s the process they explained to me to cancel a Direct Debit:

  1. Download the form https://docs.n26.com/cs/N26DirectDebitBlockEN.pdf form their site, and fill in the details the Creditor ID or Merchant Reference
  2. Ensure the form has your physical handwritten signature on it
  3. Scan the form, and email to support(Replace this with the @ sign)n26.com
  4. N26 will then cancel the Direct Debit for you

There’s no help within the app or website that tells you the Creditor ID or Merchant Reference for an existing Direct Debit. Neither of these values are listed against a transaction, so you need to find them elsewhere.

I checked the website of the company that I was paying my Direct Debit to, and their Creditor ID was listed – so I was able to the get the value fairly easily.

The Creditor ID is a unique reference that identifies an organisation collecting payments through a  SEPA Direct Debit, and is usually issued by the organisation’s bank. It reads a bit like an IBAN, but may be shorter, with a mixture of letters and numbers. The Direct Debit Mandate form – whether electronic or paper – should show the Creditor ID on it.

Here’s an extract from the Bank of Ireland SEPA Direct Debit Creditor’s Guide that explains the Creditor ID format:

I’m not sure how you find out the Merchant Reference! If you find out, let me know!

Reversing Direct Debits already paid

If you want to initiate a refund on a Direct Debit that has already been paid, you can do this from within the mobile app:

  1. Tap on the Direct Debit transaction to view the details
  2. Scroll to the bottom and select the option “Initiate refund”
  3. Send the request

N26 state that the money will be returned to your account within 2 banking days.

Screenshot of N26 app, with “Initiate refund” option highlighted

Non-Irish banks and eir

I was on the phone earlier to the telecoms operator eir to change something related to do with my mobile phone contract, and for some reason they requested that I give them my payment details again.

I gave them my details – both the 16 digit number from my debit card and the IBAN for my account – but their system wouldn’t accept either. The problem? They’re for an account run by the German-based mobile bank N26.

eir don’t seem able to accept payment instructions over the phone from non-Irish banks. Instead their direct debit instructions indicate that you have fill in a paper-based mandate form and either post it or fax it (but not email – they don’t accept email) to their office in Clonakilty in Co. Cork.

The Single European Payment Area (SEPA) regulations that came in around 10 years ago are meant to allow customers to make cashless payment in Euros to anyone located in any of the Eurozone counties. So, you should be able to receive your salary into any Eurozone bank account, and may payments to any company around Europe using your IBAN.

It’s entirely possible for business to accept verbal instructions for SEPA direct debits over the telephone and electronically, but for some reason eir doesn’t support this.

To resolve the matter today my customer care agent suggested that I get a friend to volunteer the use of their Irish bank card to set up payment on my account, and then arrange to switch over to my German bank over the next few days.

I asked whether he could guarantee that my friend would not be inadvertently charged for my mobile service, and he said yes. I then asked, if that was the case, whether the agent himself would be willing to use his own personal bank card to set me up. Unsurprisingly, he wasn’t keen!

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