SEPA pre-notification

Published on 2026-01-04 · Updated on 2026-05-17

SEPA pre-notification

Notice from the creditor to the debtor before a direct debit, stating date and amount.

At least 14 calendar days before the debit, unless a different term is contracted. Mandatory in SEPA.

See also

SEPA Mandate

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Full SEPA glossary (alphabetical index)

Full SEPA glossary (alphabetical index)

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Mandatory SEPA service since October 2025 that checks the beneficiary name matches the IBAN.

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Unique reference identifying a SEPA mandate within the creditor's organisation.

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Synonym of BIC; identifier standardised on the SWIFT network (ISO 9362).