{"type":"document","data":{"id":"80d95910-9d33-46bb-a2fe-25b96a5337dd","localeString":"en-GB","publishDate":"2026-02-09T11:23:15.064+01:00","contentType":"onecms:productPage","hasMacro":false,"flexPageMetadata":{"afmBanner":false,"robotInstruction":{"noIndex":false,"noFollow":false},"description":"Set up a direct debit in euro (SEPA) to pay your bills in Belgium and across Europe. Never worry about missing a payment again"},"mainHeaderZone":{"componentType":"productHeader","cta":{"componentType":"cta","textLink":{"url":"https://ebanking.ing.be/banking/mobile/orders/direct-debits","text":"Manage your direct debits in euro (SEPA)"}},"coreHeader":{"body":"Want to pay your bills from regular suppliers, such as your energy provider, automatically? Simply set up a direct debit in euro (SEPA) ! By authorizing a creditor, e.g. your energy supplier, to debit the amount from your current account, directly, you avoid the risk of late or missed payments.","headerImage":{"transformBaseUrl":"https://assets.ing.com/transform/f3ff596a-919c-4819-b54b-5b7090811f2b/direct-debit-1920","type":"image","width":1920,"original":"https://assets.ing.com/m/6f5f3c711bd911a0/original/direct-debit-1920.jpg","extension":"jpg"},"title":"Direct debit in euro (SEPA)","subtitle":"The simple, automatic solution for paying your bills"},"backLink":{"textLink":{"url":"/en/individuals/daily-banking","text":"Daily Banking"}}},"flexZone":{"flexComponents":[{"componentType":"sectionTitle","title":"Direct debits in a nutshell"},{"componentType":"productFeatures","image":{"transformBaseUrl":"https://assets.ing.com/transform/ab8045a6-3ac5-40dc-b821-c3e4fdd00507/Debitcard","type":"image","width":162,"altTextNL":"Card","original":"https://assets.ing.com/m/4bfcbc460f40ca99/original/Debitcard.svg","extension":"svg"},"highlighted":false,"items":[{"body":"Your payments are executed automatically, without even thinking about it. Even when the amount varies.","title":"Save time"},{"body":"Your bills are always paid on time, avoiding late payment charges.","title":"Never pay late again"},{"body":"Manage your direct debits in euro (SEPA) yourself in Home'Bank.","title":"Easy to manage"},{"body":"There is no charge for this service.","title":"Free"}]},{"componentType":"accordion","accordionList":[{"title":"The automatic payment method","richBody":{"value":"<p>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.</p>"}},{"title":"Direct debit for bills payable in euros","richBody":{"value":"<p>Practical and Europe-wide: you can request a direct debit to be set up to pay <strong>bills in euros</strong> 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 <a href=\"https://assets.ing.com/m/f5af95c4e260e52/original/List-of-SEPA-countries-EN.pdf\">here</a><a href=\"https://www.ing.be/Assets/nuid/documents/List_SEPA_Countries_EN.PDF\"> </a>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.</p>"}},{"title":"How can I set up or manage a direct debit in euro (SEPA) ?","richBody":{"value":"<p>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 <a href=\"https://ebanking.ing.be/banking/orders/direct-debits\">block the payment or request a refund via Home&apos;Bank</a>.</p>"}},{"title":"How do I block a direct debit in euro (SEPA) in the ING Banking app?","richBody":{"value":"<ol><li><span><span><span><span>From Transaction history, tap &quot;Manage&quot; on the right corner of your screen. Then check under &quot;Useful links&quot; and select “Direct debits”. Select the creditor to block.</span></span></span></span></li><li><span><span><span><span>Tap ‘Block creditor’ at the top right of your screen.</span></span></span></span></li></ol><ol><li><span lang=\"EN-US\" dir=\"ltr\"><span><span>Confirm the blocking by signing it</span></span></span></li></ol><p> </p>"}},{"title":"How do I request the reimbursement of a direct debit in euro (SEPA) in the ING Banking app?","richBody":{"value":"<ol><li><span><span><span><span>From Transaction history, tap &quot;<strong>Manage</strong>&quot; on the right corner of your screen. Then check under &quot;<strong>Useful links</strong>&quot; and select “<strong>Direct debits</strong>”. You have 8 weeks to make your request online.</span></span></span></span></li><li><span><span><span><span>Select the creditor.</span></span></span></span></li><li><span><span><span><span>Choose the mandate by tapping the ‘More’ option.</span></span></span></span></li><li><span><span><span><span>Under ‘<strong>Payment history</strong>’, select the payment concerned. </span></span></span></span></li><li><span lang=\"EN-US\" dir=\"ltr\"><span><span>Tap ‘<strong>Have this refunded</strong>’ to request the reimbursement of the direct debit.</span></span></span></li></ol>"}},{"title":"How do I unblock a direct debit?","richBody":{"value":"<p>You can unblock a direct debit from your Home&apos;Bank. Click on &quot;Direct debits&quot; under the &quot;Transfers&quot; tab and choose the direct debit to be unblocked from the &quot;Direct Debit Authorisation&quot; menu. Then click on &quot;Unblock mandate&quot;.</p>"}},{"title":"How do I change the account number linked to a direct debit?","richBody":{"value":"<p>Contact the beneficiary directly to change the account number linked to the direct debit mandate.</p>"}},{"title":"What is the processing time for a direct debit refund request?","richBody":{"value":"<p>You will be instantly reimbursed as soon as you have filed your request.</p>"}},{"title":"How can I change the execution date of a direct debit?","richBody":{"value":"<p>Contact your supplier directly to change the execution date the future direct debits.</p>"}}]},{"componentType":"sectionTitle","title":"How to manage your direct debits using the ING Banking app?"},{"componentType":"paragraph","title":"Watch the below video.","richBody":{"value":"<p></p>"},"video":{"type":"video","originalUrl":"https://assets.ing.com/m/7095c16f27f5f4d2/original/How-to-manage-your-direct-debits.mp4","videoPreviewURLs":["https://assets.ing.com/m/7095c16f27f5f4d2/1080p-How-to-manage-your-direct-debits.mp4","https://assets.ing.com/m/7095c16f27f5f4d2/mp4-How-to-manage-your-direct-debits.mp4","https://assets.ing.com/m/7095c16f27f5f4d2/480p-How-to-manage-your-direct-debits.mp4","https://assets.ing.com/m/7095c16f27f5f4d2/720p-How-to-manage-your-direct-debits.mp4"],"thumbnails":{"mini":"https://assets.ing.com/m/7095c16f27f5f4d2/mini-How-to-manage-your-direct-debits.jpg","webimage":"https://assets.ing.com/m/7095c16f27f5f4d2/webimage-How-to-manage-your-direct-debits.jpg","thul":"https://assets.ing.com/m/7095c16f27f5f4d2/thul-How-to-manage-your-direct-debits.jpg"},"extension":["mp4"]}},{"componentType":"sectionTitle","title":"How to set up a direct debit"},{"componentType":"applicationProcess","steps":{"stepList":[{"title":"Contact your supplier","body":"and request to pay your bills via direct debit."},{"title":"Activate your direct debit","body":"by authorizing your supplier to debit your account."},{"title":"Track and manage the payments","body":"linked to your direct debit via Home'Bank."}]}},{"componentType":"cta","textLink":{"url":"https://ebanking.ing.be/login","text":"Go to Home'Bank"}},{"componentType":"sectionTitle","title":"Services and contacts"},{"componentType":"cards","cards":[{"componentType":"serviceCard","cardType":"service","cardSize":"small","title":"Transfer your standing orders and direct debits?","intro":"Simply fill in this form and we'll do the rest","image":{"transformBaseUrl":"https://assets.ing.com/transform/eb3d520a-f5ff-41a7-8cef-dfac9e47ec8e/Savings_goals-Tools_Outline","type":"image","width":32,"altTextNL":"\"\"","original":"https://assets.ing.com/m/6c368d3243c21e12/original/Savings_goals-Tools_Outline.svg","extension":"svg"},"link":{"url":"https://ebanking.ing.be/banking/switch-banks?EW=true"}},{"componentType":"serviceCard","cardType":"service","cardSize":"small","title":"Want your salary paid into your ING account?","intro":"Download this form and send it to your employer","image":{"transformBaseUrl":"https://assets.ing.com/transform/eb3d520a-f5ff-41a7-8cef-dfac9e47ec8e/Savings_goals-Tools_Outline","type":"image","width":32,"altTextNL":"\"\"","original":"https://assets.ing.com/m/6c368d3243c21e12/original/Savings_goals-Tools_Outline.svg","extension":"svg"},"link":{"url":"/banking/accounts/salary-domiciliation?EW=true"}},{"componentType":"serviceCard","cardType":"service","cardSize":"small","title":"Need to make a recurring payment?","intro":"Set up a standing order in euro (SEPA) via Home'Bank now","image":{"transformBaseUrl":"https://assets.ing.com/transform/eb3d520a-f5ff-41a7-8cef-dfac9e47ec8e/Savings_goals-Tools_Outline","type":"image","width":32,"altTextNL":"\"\"","original":"https://assets.ing.com/m/6c368d3243c21e12/original/Savings_goals-Tools_Outline.svg","extension":"svg"},"link":{"url":"https://ebanking.ing.be/login/?Target=https://ebanking.ing.be%2Fbanking%2Fmove-money%3Fnavigation-data%3Dep0r8f%26flow-step%3Dstep-payment"}}]},{"componentType":"paragraph","richBody":{"value":"<p></p>"},"textLinks":[{"url":"/en/individuals/services","text":"More services and how to contact us"}]}]},"complementaryZone":{"flexComponents":[{"componentType":"sectionTitle","title":"Also interesting!"},{"componentType":"cards","cards":[{"componentType":"productCard","cardType":"product","cardSize":"small","title":"Standing orders in euro (SEPA)","intro":"Set up a standing order for automatic 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Europe!","image":{"transformBaseUrl":"https://assets.ing.com/transform/facee1e3-9ef2-431a-bf9d-9c615f934f07/instant-payments-1920","type":"image","width":1920,"original":"https://assets.ing.com/m/38293a10f73b21f6/original/instant-payments-1920.jpg","extension":"jpg"},"link":{"url":"/en/individuals/daily-banking/instant-credit-transfer-in-euro-sepa"}}]}]}}}