If you’re having problems using SEPA credit transfers or SEPA direct debits, the information on this page should help you to resolve the most common issues.
You submit SEPA credit transfer batches or SEPA direct debit batches in a SEPA file. The tips in Chapter 4 of the following ABN AMRO Addenda will show you how to complete and submit SEPA files correctly.
The deadline for SEPA credit transfer batches is 2.30 pm. The deadline for SEPA direct debit batches is before 12.30 pm on the working day before execution. If you submit your direct debit batches using Access Direct OpenLink, the deadline is before 8.30 am one working day before execution.
If you use customised accounting software, you will occasionally need to make certain technical adjustments. Technical documents and sample files will enable your functional manager to decide which updates are necessary.
Sometimes, a direct debit is refused, revoked or refunded. We call this an R transaction. The Dutch banks have published a list of explanations for this. It provides an overview of the relevant rejection reasons (‘reason codes’). You can also read about what you should do next.
If your client has insufficient funds on the day that the direct debit is due, the debit will be rejected. This can happen straight away or it might take a few days. If the balance in the client’s account becomes sufficient in those few days, the direct debit will be taken out of their account. The actual method varies per bank, which is why the Dutch banks have compiled an overview with explanations about rejection due to insufficient funds.
