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. The direct debit will be credited to your account within 2 banking days.

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 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 Refund

*For Non-Euro countries only: If you are setting up a direct debit with a merchant in your home currency, it's the receiving bank who dictates the currency exchange and the ultimate amount that is collected from us. This applies to the following countries: Bulgaria, Croatia, Czech Republic, Denmark, Hungary, Iceland, Liechtenstein, Norway, Poland, Romania, Sweden, Switzerland