Cancellation of a direct debit mandate (SEPA) (Spain)
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For someone with an account in Spain who wants a company or a person to stop taking payments from it. Two letters: to the bank, revoking that creditor's direct debit mandate (SEPA mandate) so that no further debits are paid; and to the creditor, telling them so and saying how payment will be made from now on, or why the charges are disputed. The revocation applies to debits due after the business day on which the bank receives it (article 52 of Spain's Royal Decree-Law 19/2018). Send them by burofax, by hand against a signed copy or by registered post. In Spanish.
- Made for use in Spain
- Last updated October 20, 2026
Published byDocMuse
When to use this document
- Your gym in Spain keeps taking the fee from your account after you stopped going.
- A company in Spain is taking money you do not recognise and you want the bank to stop paying it.
- You would rather pay your bills in Spain by transfer than have them taken automatically.
- You want letters to the bank and to the company cancelling a direct debit in Spain.
What you fill in
The details the document asks for.
- Sender
- Sender's address
- Sender's DNI or NIE (Spanish identity number)
- How the letter is sent (printed above the recipient)
- Bank
- Postal address of the bank or its branch, as the bank publishes it
- City
- Date
- IBAN
- Direct debit mandate reference
- Creditor
- SEPA creditor identifier
- What the debits are for (e.g. gym, phone, insurance)
- Creditor's postal address (street and number, postcode and town)
- Contract number
- What happens to payments from now on
- Why you dispute the debits (if you do)
Common questions
- How far ahead of a debit must a direct debit be revoked in Spain?
- The revocation must be express, in writing, dated and signed, and the bank must receive it before the end of the business day before the date set for the debit; if it arrives later, it applies to the following debits (article 52 of Royal Decree-Law 19/2018). Many banks also let you cancel a mandate in their app or online banking: keep the confirmation.
- Does revoking a direct debit in Spain end the contract or the debt?
- No. It only stops the creditor from collecting by debiting the account. The gym, phone or insurance contract stays in force until it is cancelled in the proper way, and what is owed is still owed. That is why the second letter tells the creditor how payment will be made from now on, or that the contract has been cancelled, or why the charges are disputed.
- What can be done in Spain about a payment already debited from the account?
- Ask the bank to refund it. According to the Banco de España, an authorised debit can be refunded within eight weeks of the charge when the authorisation did not fix the amount and the charge exceeds what earlier payments led you to expect; an unauthorised charge, within thirteen months. If the bank does not grant the request, complain in writing to its customer service and then to the Banco de España.
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
DocMuse sells documents, not legal advice. Acceptance always depends on the recipient's rules and your local law.
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