Revoking a SEPA direct-debit mandate and blocking debits (France)
Published byDocMuse
This document is in French
The PDF you download is in French — 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.
For stopping a creditor's direct debits from your account in France: a subscription, a supplier, a lender. The document, in French under French law, holds two letters to send the same day: the revocation of the SEPA mandate, to the creditor, and the opposition, to your bank, which then refuses every debit from that creditor (article L. 133-7 of the French Monetary and Financial Code). A debit presented afterwards is no longer authorised and is refunded. Revoking the mandate does not end the contract.
- Made for use in France
- Last updated October 13, 2026
When to use this document
- You ended a subscription in France but the company keeps taking direct debits from your account.
- You want to stop a supplier or lender from debiting your bank account.
- You want your bank to refuse every direct debit from one particular creditor.
- You want to revoke a SEPA direct-debit mandate and tell your bank the same day.
What you fill in
The details the document asks for.
- Customer
- Customer's address
- 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
Preview
This document is produced for you. Your answers are typed into it and the finished PDF is yours to keep.
Common questions
- What is the difference between revoking a SEPA mandate and an opposition in France?
- Revocation withdraws your consent from the creditor: the mandate ends and can no longer support a debit (article L. 133-7 of the French Monetary and Financial Code). Opposition is your instruction to your bank to refuse that creditor's debits. Do both on the same day, no later than the working day before the next debit (article L. 133-8). Neither ends the contract or wipes out a sum genuinely owed: pay it another way or terminate the contract separately.
- Can a direct debit already taken in France be refunded?
- Yes. For an authorised SEPA debit you may ask your bank for a refund within eight weeks of the debit, without giving a reason; the bank refunds within ten working days (articles L. 133-25 and L. 133-25-1 of the French Monetary and Financial Code). A debit without a mandate, or presented after revocation, is unauthorised: report it within thirteen months (article L. 133-24), and the bank refunds by the end of the next working day (article L. 133-18). The refund does not settle the dispute with the creditor.
- How are the French revocation and opposition letters sent?
- On the same day. The letter to the creditor goes by registered post with proof of receipt, or through its customer area if it allows the mandate to be revoked; as the creditor is a business, a qualified electronic registered letter also counts. The letter to the bank can be handed in at the branch or posted in your online banking messages, where an opposition often takes a few clicks. Note the mandate reference (RUM) and the creditor identifier (ICS), shown on your statements.
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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