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

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