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Direct Debits from Non-Irish Accounts

Yggr of Asgard

Breaking this off the Number 26 tread because maybe it's time we list the known acceptance/non acceptance.

Refusing to accept non-irish accounts

Sky see http://www.boards.ie/ttfthread/2057539002
GloHealth
Greenstar
Magnet Broadband (thanks to ceroc81)

Accepting non-irish accounts online

UPC
IDMobile

Accepting non-irish accounts via paper mandate

Energia (new)
Three
Zurich Insurance
AIG Insurance
Avantcard
Irish water (required verbal confirmation, thanks to ceroc81)

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Bob24

Also a couple other differences I can thing of:

- With credit cards you will have to think of providing the new card details any time you get a new one.
- While you can easily cancel a direct debit mandate on your end and prevent them from getting anymore money from you, you can not easily force them to erase your payment card details or prevent them from charging your card.
- Payment card details can be stolen be a hacker or an employee and be used by a third party, whereas a DD mandate can't be used by anyone except Vodafone.

Having said that, assuming the poster trusts Vodafone, the payment card as a OK alternative.

ahbell

lehe8707 wrote: »

Adding PTSB

Refusing to accept non-irish accounts
Magnet Broadband (thanks to ceroc81)
Meteor see http://www.boards.ie/ttfthread/2057540834
Sky see http://www.boards.ie/ttfthread/2057539002
Leap Card
Eflow (M50 Toll Operator)

Accepting non-irish accounts online
Greenstar
IDMobile
Revenue Commissioners
Virgin Media (Broadband, TV, Home Phone)
Liberty Insurance (Over the Phone)

Accepting non-irish accounts via paper mandate
AIB credit card payments
AIG Insurance
Avantcard
Bord Gais Energy as per http://www.boards.ie/vbulletin/showp...2&postcount=23
Energia (new)
Electric Ireland as per http://www.boards.ie/ttfthread/20574...1#post95420759
Irish water (required verbal confirmation, thanks to ceroc81)
Laya Health Insurance (thanks to McGaggs) http://www.boards.ie/vbulletin/showp...1&postcount=66
Three
TV License (AnPost)
Ulster Bank Mortgages
Virgin Media Mobile
Zurich Insurance
First Citizen Finance
Permanent TSB Credit Card (Followup phone-call required)

Accepting non-irish accounts via customer service complaint
GloHealth

Just looking at this list, I tried to sign up to iD Mobile with their half price sale on Bill Pay last night and it refused my German N26 IBAN. Wonder if they have changed something?

Yggr of Asgard

Yggr of Asgard wrote: »

No it's not.

Direct Debit allows you certain rights (dispute, ease of refusal) that a debit card does not.

Vodafone will allow you SEPA direct debits if you request them in writing. You can get a form in a Vodafone store.

So I need to correct this, it looks like Vodafone does no longer allow non-irish accounts.

http://www.boards.ie/ttfthread/2057767493

Once I have a final answer, I will complain to ComReg and CCPC (even if they won't do anything), it's amazing that years after SEPA came into effect companies still refuse to do the right things.

Yggr of Asgard

Wow, I wish I would live in Austria, their highest court just shut down an appeal of 2 company directors who were convicted of a crime of not allowing non Austrian accounts for several month and fined them 4000€ each (or 18 hours in jail).

I wish our Government would get the stones to write laws like that instead of our weak CCPC.

Yggr of Asgard

Some updates due to changes in some companies policies (marked red)

Refusing to accept non-irish accounts
Sky see http://www.boards.ie/ttfthread/2057539002
Leap Card (1)
Eflow (M50 Toll Operator)

Accepting non-irish accounts online
Greenstar
Revenue Commissioners
Liberty Insurance (Over the Phone)

Accepting non-irish accounts via paper mandate
AIB credit card payments
AIG Insurance
Avantcard
Bord Gais Energy
Energia (new)
Electric Ireland
First Citizen Finance
IDMobile
Flogas
Irish water (required verbal confirmation, thanks to ceroc81)
GloHealth (existing policies, does not do new business)
Laya Health Insurance (thanks to McGaggs)
Meteor see http://www.boards.ie/ttfthread/2057540834
Three
TV License (AnPost) (3)
Ulster Bank Mortgages
Virgin Media Mobile
Virgin Media (2) (Broadband, TV, Home Phone)
Zurich Insurance

Currently Unclear
Vodafone per http://www.boards.ie/ttfthread/2057767493

Remarks
(1) NTA/Leapcard has been found to be in structural breach of EU citizens rights with the EU commission currently investigating the issue.
(2) While account can be entered online, credit control will call and request a written authorization which can be found on each bill.
(3) AnPost no longer requires a copy of a bank account statement after the CCPC told them to stop doing so, mandate is now all that is needed.

Savman

Yggr of Asgard wrote: »

Refusing to accept non-irish accounts
Magnet Broadband (thanks to ceroc81)

It's worth noting that Magnet don't offer DD anymore (at least not to new customers).

Payment Terms for Residential accounts from 1st May 2013 are 15 Days by Credit or Debit Card only.

Yggr of Asgard

Vodafone has just send me written confirmation that they now are using my non-irish bank account.

Was extremely hard to set up (several complaints, threads to go to Comreg etc.) but it now is set up.

[Deleted User]

Bank of Ireland do not allow Standing Orders to non ROI accounts. While the website it allows BICs and IBANs it would appear their back-end systems are still Sort Code and Account Number only.

Bob24

Tow wrote: »

Bank of Ireland do not allow Standing Orders to non ROI accounts. While the website it allows BICs and IBANs it would appear their back-end systems are still Sort Code and Account Number only.

I complained about this in the past, but there is not much you can do from a legal perspective as standing orders are not covered by SEPA regulations (once-off electronic fund transfers are covered, but the CBI and the ECB both told me there is no requirement to allow recurring transfers).

Bhangraman

I see here Idmobile is listed as accepting non irish DD online, this is not the case. Also got told on the phone they don't accept non-Irish DD at all. UPDATE: i was given wrong info as they do accept paper mandate, as stated in most recent posts.... In this day and age the confusion is alive and well!

Bhangraman

Bhangraman wrote: »

I see here Idmobile is listed as accepting non irish DD online, this is not the case. Also got told on the phone they don't accept non-Irish DD at all. UPDATE: i was given wrong info as they do accept paper mandate, as stated in most recent posts.... In this day and age the confusion is alive and well!

OK called today to change IBAN from Irish accounts t to German N26 account but the rep and her manager both firmly maintained that they only support Irish accounts. Anybody out there who managed to set this up?

Yggr of Asgard

Log a complaint and request a complaint number telling them that you require this as you will log a complaint with COMREG due to them violating their legal responsibilities.

I was with IDMobile for a while and paid my direct debit from a non-irish account so it's clearly possible.

Bhangraman

Bhangraman wrote: »

Any luck with waste companies? Getting started with Panda and first time they hear about SEPA it seems.

Panda just confirmed that they don't support transfer to Non-Irish accounts at present and that you have to pay your bill by card online in the meantime.
They said they just started the process of upgrading their IT systems and the work should be complete in 2-3 months. I have flagged a reminder to follow-up with them after that timeframe.

Any luck with Panda lately reasoning with them so they accept non Irish accounts? Just switched to Panda Power and just like Panda waste, their online registration form does not accept non Irish IBAN...

lehe8707

UPDATING - Addition in BOLD

Refusing to accept non-irish accounts
Leap Card (1)
Eflow (M50 Toll Operator)

Accepting non-irish accounts online
Greenstar
Revenue Commissioners
Liberty Insurance (Over the Phone)

Accepting non-irish accounts via paper mandate
AIB credit card payments
AIG Insurance
Avantcard
Bord Gais Energy
Energia (new)
Electric Ireland
First Citizen Finance
IDMobile
Flogas
Irish water (required verbal confirmation, thanks to ceroc81)
GloHealth (existing policies, does not do new business)
Laya Health Insurance (thanks to McGaggs)
Meteor see http://www.boards.ie/ttfthread/2057540834
Three
TV License (AnPost) (3)
Ulster Bank Mortgages
Virgin Media Mobile
Virgin Media (2) (Broadband, TV, Home Phone)
Zurich Insurance
Sky TV / Broadband (4)

Currently Unclear
Vodafone per http://www.boards.ie/ttfthread/2057767493

Remarks
(1) NTA/Leapcard has been found to be in structural breach of EU citizens rights with the EU commission currently investigating the issue.
(2) While account can be entered online, credit control will call and request a written authorization which can be found on each bill.
(3) AnPost no longer requires a copy of a bank account statement after the CCPC told them to stop doing so, mandate is now all that is needed.
(4) After making a request on thread https://www.boards.ie/ttfthread/2057539002

Bhangraman

UPDATING - Addition in BOLD

Refusing to accept non-irish accounts
Leap Card (1)
Eflow (M50 Toll Operator)

Accepting non-irish accounts online
Greenstar
Revenue Commissioners
Liberty Insurance (Over the Phone)
Panda Waste and Panda Power (Over the Phone)

Accepting non-irish accounts via paper mandate
AIB credit card payments
AIG Insurance
Avantcard
Bord Gais Energy
Energia (new)
Electric Ireland
First Citizen Finance
IDMobile
Flogas
Irish water (required verbal confirmation, thanks to ceroc81)
GloHealth (existing policies, does not do new business)
Laya Health Insurance (thanks to McGaggs)
Meteor see http://www.boards.ie/ttfthread/2057540834
Three
TV License (AnPost) (3)
Ulster Bank Mortgages
Virgin Media Mobile
Virgin Media (2) (Broadband, TV, Home Phone)
Zurich Insurance
Sky TV / Broadband (4)

Currently Unclear
Vodafone per http://www.boards.ie/ttfthread/2057767493

Remarks
(1) NTA/Leapcard has been found to be in structural breach of EU citizens rights with the EU commission currently investigating the issue.
(2) While account can be entered online, credit control will call and request a written authorization which can be found on each bill.
(3) AnPost no longer requires a copy of a bank account statement after the CCPC told them to stop doing so, mandate is now all that is needed.
(4) After making a request on thread https://www.boards.ie/ttfthread/2057539002

user1842

Any update on this list of providers not accenting EU IBANs for direct debits?

Seems to be still problem, as per the N26 thread.

Yggr of Asgard

Leap card is now accepting direct debits online (doing 2 small credits to your account which you have to validate online)

The J Stands for Jay

I have an eir ddm, ready to be filled in for payments from Bunq, but I don't know the UMR or Creditor reference. On to the talk to eir section on boards, and rather than give me the details, the rep is getting themselves confused with the name of the bank after suggesting I don't online instead. Bunq isn't on their list, but Anglo and Irish Nationwide are...

TheChizler

Great thread, didn't know it existed.

You can add Irish Life Health to that list. Over email I was trying to get them to add N26 as an account for claims payment, and they accidentaly added it as the direct debit account for premium payment. A debit came out so it works, but I did get them to reverse it as it's all supposed to be done through work. So while in error, it was possible.

Rock Paper Scissors

Ulster Bank Mortgages DO NOT accept non Irish IBANS.

They wouldn't accept it online, over the phone or via paper direct debit mandate form.

I currently have a complaint lodged with them that they are "investigating"

aindriu80

I got this email from Just Energy when I told them I am moving to N26:

Thank you for contacting Just Energy.

I am afraid we cannot set up any Direct Debit payments from a bank registered outside of the Republic of Ireland so because of this I am afraid to say we cannot open up a new Direct Debit with the information you have provided us with.

I replied that this is contrary to EU regulation and they have to accept it. What information do I need to provide them to accept a Direct Debit?

Bob24

aindriu80 wrote: »

I got this email from Just Energy when I told them I am moving to N26:

I replied that this is contrary to EU regulation and they have to accept it. What information do I need to provide them to accept a Direct Debit?

A signed direct debit mandate (which would include your name and IBAN number). Nothing more.

If you did and they are refusing to establish the direct debit based on the country of your bank, they are in breach of the regulation.

aindriu80

Can Just Energy legally refuse a Direct Debit from Germany?

Dardania

aindriu80 wrote: »

Can Just Energy legally refuse a Direct Debit from Germany?

No.

But they are in a competitive marketplace. Find another provider who will accept non Irish bank accounts

Bob24

aindriu80 wrote: »

Can Just Energy legally refuse a Direct Debit from Germany?

Short answer: no.

Longer answer: no, but the problem is that ireland doesn’t have any decent regulator which would force them to follow the regulation. You can talk to the CCPC which is the designated regulator but they likely won’t be very helpful.

Wheety

aindriu80 wrote: »

Can Just Energy legally refuse a Direct Debit from Germany?

No. Take it up as a complaint with them. Get a complaint reference number and ask them to state it's their final decision in writing.

aindriu80

Dardania wrote: »

No.

But they are in a competitive marketplace. Find another provider who will accept non Irish bank accounts

Just Energy are ignoring my emails, I think I can pay via Debit Card though,

[Deleted User]

aindriu80 wrote: »

What information do I need to provide them to accept a Direct Debit?

https://www.ecb.europa.eu/paym/retpaym/undpaym/legasp/html/index.en.html

coolclogher

I work for an Irish Company that is a Direct Debit Originator through an Irish Bank and we collect Direct Debits from accounts in Europe regularly, I think the issue may lie with the bank that these companies process's the DD's through

Bob24

coolclogher wrote: »

I work for an Irish Company that is a Direct Debit Originator through an Irish Bank and we collect Direct Debits from accounts in Europe regularly, I think the issue may lie with the bank that these companies process's the DD's through

The banks are SEPA compliant, it would be too risky/expensive for them not to be.

The issue probably is that either the company collecting direct debits has an old payment IT system which can only process Irish bank details, or that simply they are unaware or don’t care about the regulation and don’t want to bother.