SEPA Direct Debit (SDD) Scheme

The Single Euro Payments Area (SEPA) Direct Debit scheme is a pan-European direct debit system that can be used for both domestic and international collections.

SEPA Calendar

SEPA Direct Debit File Submitters

We are making a number of changes to SEPA Direct Debits which may impact the way you reconcile your accounts. Click here to find out more on all changes.

SEPA Calendar

SEPA Direct Debits

A SEPA Direct Debit (SDD) is the standard across Europe for the collection of funds between a debtor (payer) and the creditor (payee).

The SEPA Direct Debit (SDD) scheme is an interbank payment scheme defining a common set of rules and standard procedures for direct debits in Euro. The scheme ensures a common level of service within the participating countries. All participating financial institutions must provide the service in a specified timeframe and also provide SEPA-wide access, meaning that direct debits can be made from any domestic account to any receiver within the participating SEPA countries.


Find out more about the SEPA Direct Debit scheme.

SEPA Calendar

SEPA Mandates – Paper

A SEPA Direct Debit Paper Mandate is a paper authorisation from a customer for an Originator to collect direct debits from their account. This mandate must comply with SEPA’s standard mandate requirements in order to be deemed valid.

Access AIB’s sample mandates and instructions.

SEPA Calendar

SEPA Mandates - Electronic/Telephone Signup

Electronic/Telephone signup for SEPA Direct Debit Mandates are authorisations from a customer for an Originator to collect direct debits from their account, without the need for a paper mandate.

In order to avail of this function, you must adhere to a number of requirements, set out in the Banking and Payments Federation of Ireland’s (BPFI) Creditor’s Guide. You can also Contact Us for further information.


SEPA Calendar

Becoming a SEPA Direct Debit Originator.

As an iBB customer, you can apply to become a Direct Debit Originator. To do this, please complete a Payment Files Direct Debits - Application and Amendment Form, an AIB SEPA Direct Debit Creditors Agreement form and a Sample Mandate and return it to your Relationship Manager to discuss further.

How the SEPA Direct Debit Scheme works:

  • Operates on an instruction from the Debtor (person paying the funds), giving the Creditor (person collecting the funds) authority to collect payments.
  • Debits can be drawn only in accordance with the terms of this mutually agreed instruction.
  • The Creditor submits a SEPA Direct Debit File to AIB for processing.
  • We then submit this file to a central European Clearing Mechanism for processing and clearing. Transactions are then passed to the debtor’s bank.

Note: Under SEPA, the Originator is also known as the Creditor.

Business fees and charges apply


<<--------------------Start of Accordion Container with id: accordioncontainer--------------------------->>

Click on edit button to enter Accordion Header

Direct Debit Software Providers

  • <<--------------------Start of Accordion with id: accordionentry--------------------------->>

    AnchorID :comp_accordionentry_29111990_accordioncontainer

    Information on Direct Debit Software Providers

    If you are planning to change software provider, or work with one for the first time, AIB strongly recommends that you look at all available options to find the best fit for your business, as services vary across providers. The list below outlines a number of available software providers but is not an exhaustive list of all providers. 

    Software Provider:



    Product Name



    Ardbrook Ltd

     Fintan Reddy


     Ph (01) 838 2921        

    Annual License Fee from €500 - includes full technical support


    Direct Debit

    Lir Software

     T : +353-1-8648748



    This price is an annual license fee and includes unlimited support and free upgrades.

    EazyEFT SEPA Edition  


    Direct Debits & Credit Transfers

    Business Software Solutions

    €299 *

    (50% discount if <50 transactions per month)


    SEPA Direct Debits

    Direct Debits & Credit Transfers

    Envisage Cloud Solutions Ltd Subscription Monthly Starting at €50.00* easydd & easydd for Sage SDD
    Mercury Software Ltd

    Mark Nolan


    €295 Annual Licence Fee, includes support and updates

    Unlimited transactions


    Free install and training available (currently provided remotely)


    Direct Debits &
    Credit Transfers

    *price excludes VAT

    *price excludes VAT

    Important: AIB has provided the above for information purposes only and we do not endorse or recommend any of the featured software providers. Additionally, we shall not be responsible for any such software providers’ acts or omissions or the accuracy of information displayed or the performance of their product outside of it providing a XML file that AIB can process. Not all the products offered by these suppliers may be suitable for your particular circumstances; therefore it is strongly recommended that if you have not already done so, you should consult your payments software provider. 

    <<--------------------End of Accordion with id: accordionentry--------------------------->>

<<--------------------End of Accordion Container with id: accordioncontainer--------------------------->>

Useful Business Guides / Forms

View our SEPA Scheme, Direct Debit and Credit Transfer business guides and forms.

--------------------Start of Accordion Container---------------------------

Click on edit button to enter Accordion Header

-------------------End of Accordion Container---------------------------