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SEPA

SEPA Direct Debit is a non-cash transfer in EUR currency which is instigated by the Creditor. Execution of SEPA Direct Debit follows after signing of an agreement between the debtor and the creditor on such payment method, the so-called SEPA Direct Debit Mandate.

SEPA Direct Debit can be performed only to the debit or the credit of accounts belonging to the clients of the banks that agreed to execute the SEPA direct debits (list of these banks is available on the Bank’s website). The Bank carries out all the types of the SEPA direct debits (schemes B2B, CORE and COR1).

Execution of SEPA Direct Debits on the Debtor´s accounts

Direct debit schemes CORE and COR1 can be executed on the debtor´s accounts within two regimes – Individual Direct Debit Approval or within the regime of General Direct Debit Approval. Client will select one of the options which will be subsequently valid for all SEPA direct debits that will be executed on the account. Client can administer the selection of regime through electronic banking services (Business 24) or by raising request at any point of sale within the time limits specified in the INFORMATION OF ČESKÁ SPOŘITELNA, a.s. ON PAYMENT SERVICES Private clients.

If the regime of Individual Direct Debit Approval is selected the clients have to set up the Approval for every direct debit on their account (similar to direct debits in Czech crowns).

If the regime of General Direct Debit Approval is selected the Bank will execute the direct debit whereas the client does not need to set up in the Bank individual approval for the companies. In such case the client can also create the list of restricted companies whom the client will not allow to perform SEPA direct debits whatsoever from the client´s account. When executing a direct debit the Bank will take this list into consideration and will not perform it for the benefit of a company stated on this list. Client will identify such companies by stating their Creditor identifier (CID). The client can administer the list of companies through electronic banking services (Business 24) or by raising request at any point of sale within the time limits specified in the INFORMATION OF ČESKÁ SPOŘITELNA, a.s. ON PAYMENT SERVICES Business and Corporate Clients.

SEPA Direct Debit Approval can be set up, changed or cancelled at a point of sale or through electronic banking services (BUSINESS 24) within the time limits specified in the INFORMATION OF ČESKÁ SPOŘITELNA, a.s. ON PAYMENT SERVICES Private clients.

Client – debtor can reject any direct debit (regardless of the direct debit scheme or selected regime for direct debit execution) before its due date, and that is at any point of sale or through electronic banking services (BUSINESS 24) within the time limits specified in the INFORMATION OF ČESKÁ SPOŘITELNA, a.s. ON PAYMENT SERVICES Private clients. If such command is delivered to the Bank within the time limit stipulated by these conditions direct debit will not be executed on the account of the client - debtor.

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