Question 1

The automatic payment method

Accepted Answer

With a direct debit in euro (SEPA), you give a creditor (e.g. your energy or gas supplier) permission to automatically deduct the amount of an invoice in euros from your account. That amount can always be different and is only collected after the invoice has been sent. You do not have to do anything if the amount of the recurring invoices is not always the same.

Question 2

Direct debit for bills payable in euros

Accepted Answer

Practical and Europe-wide: you can request a direct debit to be set up to pay bills in euros to a creditor in Belgium or elsewhere in Europe. This is because the direct debit system covers the SEPA zone (Single European Payment Area). Click here to find the list of SEPA countries. So you can even pay invoices issued by non-Belgian creditors – such as your subscription to a German news website – automatically and easily.

Question 3

How can I set up or manage a direct debit in euro (SEPA) ?

Accepted Answer

To set up or cancel a direct debit in euro (SEPA), you need to contact your supplier directly. In the event of a dispute relating to a bill, you can also block the payment or request a refund via Home'Bank.

Question 4

How do I block a direct debit in euro (SEPA) in the ING Banking app?

Accepted Answer

Go to the ‘Payments’ tab, tap ‘Direct debits’ under ‘Pending payments’.
Select the creditor to block.
Tap ‘Block creditor’ at the top right of your screen.
Confirm the blocking by signing it

Question 5

How do I request the reimbursement of a direct debit in euro (SEPA) in the ING Banking app?

Accepted Answer

Go to the ‘Payments’ tab, tap ‘Direct debits’ under ‘Pending payments’. You have 8 weeks to make your request online.
Select the creditor.
Choose the mandate by tapping the ‘More’ option.
Under ‘Payment history’, select the payment concerned.
Tap ‘Have this refunded’ to request the reimbursement of the direct debit.

Question 6

How do I unblock a direct debit?

Accepted Answer

You can unblock a direct debit from your Home'Bank. Click on "Direct debits" under the "Transfers" tab and choose the direct debit to be unblocked from the "Direct Debit Authorisation" menu. Then click on "Unblock mandate".

Question 7

How do I change the account number linked to a direct debit?

Accepted Answer

Contact the beneficiary directly to change the account number linked to the direct debit mandate.

Question 8

What is the processing time for a direct debit refund request?

Accepted Answer

You will be instantly reimbursed as soon as you have filed your request.

Question 9

How can I change the execution date of a direct debit?

Accepted Answer

Contact your supplier directly to change the execution date the future direct debits.