How to request a refund for a direct debit?

Refunding a direct debit does not cancel the contract you have with the merchant.

You have the ability to request a SEPA direct debit refund in the app yourself up to 8 weeks after it has been debited. When you complete the refund request, the funds will be available on your account immediately.

Requesting a direct debit refund in my main account

  1. Login to the N26 mobile app
  2. Open your transaction list and select the direct debit in question
  3. Choose Initiate a refund

Requesting direct debit refund in my IBAN Space (subaccount)

You can also request a direct debit refund in your IBAN-assigned Spaces:

  1. Login to the N26 mobile app
  2. Tap on Spaces
  3. Go to the Space you wish to refund a direct debit
  4. Select the direct debit transaction in question
  5. Choose Initiate a refund

Note that If you suspect that a direct debit has been unauthorised (for example, no mandate has been signed), you have the right to request a refund within 13 months from the debit date. Please contacting us via chat for further information.

Was this article helpful?