Will my direct debit go through if I'm low on funds?

If your balance can’t cover a direct debit* when it’s due, it’ll bounce and you’ll be charged a €3 fee. If you have a negative account balance, you'll be charged an overdraft interest of 8.9%. It’s not possible to delay a direct debit.

To avoid this fee in the future, you can instantly check whether you’re eligible for an Overdraft directly in the app (available in Germany and Austria).

*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. See the below list of countries:

• Bulgaria
• Croatia
• Czech Republic
• Denmark
• Hungary
• Iceland
• Liechtenstein
• Norway
• Poland
• Romania
• Sweden
• Switzerland