Revocation of a SEPA direct debit, formerly RID (Italy)
Published byDocMuse
This document is in Italian
The PDF you download is in Italian — that is the language it has to be filed in, so it is not translated. Everything on this page is here to tell you what it says.
Many banks let you revoke a direct debit free of charge in online banking or at the branch. This document, in Italian under Italian law, is for doing it in writing, with proof: it holds two letters to send on the same day, one to the creditor revoking the SEPA mandate and one to your bank asking it to stop executing that creditor's debits (legislative decree no. 11/2010). Revocation does not cancel sums owed: the letter asks how to pay them another way.
- Made for use in Italy
- Last updated October 14, 2026
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When to use this document
- You want to stop bills being paid by direct debit from your account in Italy and pay another way.
- A gym or a finance company keeps taking money from your account and you want to cancel the direct debit.
- You switched supplier but the old one still sends debits to your account.
- You need a letter revoking a SEPA mandate, for the creditor and for your bank.
What you fill in
The details the document asks for.
- Sender
- Sender's address
- Sender's codice fiscale (Italian tax code)
- How the letter is sent (printed above the recipient)
- Payee
- Payee's postal address
- City
- Date
- IBAN of the current account
- Direct debit mandate reference
- SEPA creditor identifier
- Customer number with the payee
- Bank
- Address of the bank that holds the account
Common questions
- Does revoking a RID or SEPA direct debit in Italy also end the contract?
- No. The RID was replaced by the SEPA direct debit, and revoking the mandate only takes away the creditor's permission to debit the account (article 5 of legislative decree no. 11/2010): the electricity, phone, gym or loan contract stays in force, and its instalments or bills remain due. To end the contract you need the notice or withdrawal the contract provides; to pay, use another method such as a bank transfer or a payment slip.
- By when must a direct debit be revoked in Italy to stop the next collection?
- A single debit can be revoked until the end of the business day before the day agreed for the debit (article 17 of legislative decree no. 11/2010). That is why both letters should go out on the same day and well before the next due date: the letter to the bank can be handed in at the branch against a dated copy, or replaced by the revocation function of online banking if the bank offers one.
- Can money taken by a direct debit in Italy be recovered?
- For an authorised debit, a refund is requested from your own bank within eight weeks of the debit date (articles 13 and 14 of legislative decree no. 11/2010), in the cases the law and the contract provide. For an unauthorised debit, for example one made after revocation, the request is made without delay and at the latest within thirteen months. The refund does not cancel the debt to the creditor if the sum was owed.
How you can sign this document
- Print it and sign by hand. The signature lines in the document are left blank on purpose — sign on them in ink.
- Sign it yourself with a qualified electronic signature. If you already hold a QES — Evrotrust, B-Trust, StampIT, ZealiD or any qualified provider on the EU Trusted List, on a card, a USB token, in a mobile app or in the cloud — our signing guide explains step by step how to sign this exact file without invalidating it. Step-by-step help, and a way to check it worked
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