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What is a SEPA Direct Debit (SDD)?

The SEPA Direct Debit (SDD) is the pre-authorised collection generally used for recurring payments such as utilities (telephone, electricity and gas bills or the instalments of a personal loan) but it can also be used as a one-off to pay commercial invoices.
The SEPA Direct Debit is an agreement between the companies providing payment services and the person making the payment. By signing the option, s/he authorises debits to be made directly from the current account.

How does it work?

By signing the SEPA Direct Debit (SDD) mandate and advising the banking details, you authorise DoveVivo to debit the current account indicated with the predefined amount that will be due. In this way, you won’t have to worry about remembering the due date and finding the time to make a bank credit transfer or pay with a credit card or cash. The only thing you have to ensure is that there is enough money in the account you’ve advised to us.

Which countries are in the SEPA Area?

The countries in the SEPA area are the 28 countries of the European Union, 17 of which use the Euro as a single currency (Germany, France, Italy, Portugal, Austria, Greece, Ireland, Finland, The Netherlands, Belgium, Luxembourg, Slovenia, Cyprus, Estonia, Slovakia, Malta and Spain), and 11 use another currency (Sweden, United Kingdom, Lithuania, Latvia, Poland, Denmark, Czech Republic, Bulgaria, Rumania, Croatia and Hungary).
In addition, there are 5 countries which are not in the European Union, have a different currency but use the Euro to make payments (Principality of Monaco, Norway, Iceland, Switzerland and Liechtenstein).
Non-SEPA countries are all those not listed above as they are not part of the economic agreements between the various countries in the European continent.

I don’t have an Italian IBAN; what can I do?

If you have an IBAN linked to a current account in the SEPA area, you can use it without difficulty even if it isn’t an Italian account. Otherwise, you’ll have to use alternative services such as the bank credit transfer, credit card or cash.
If you open an Italian current account during your stay, you can move to a SEPA Direct Debit at any time.

Can I use an IBAN with a different account holder than me?

When you sign the SEPA Direct Debit (SDD) mandate, you have to indicate the bank details of the account where the direct debit will be activated and the name of the account holder. If the bank details are different from the person signing the sub-letting contract, this should be indicated when you sign the SDD form.

When will the amount be debited?

You don’t have to worry any more. The debit will be made automatically on the day the invoice is due. You can check the amount debited directly on your bank’s website. The invoice will always be sent before the current account is debited.

How can I check the debits?

If you don’t know the amounts we are debiting to pay the invoices, you can contact us at any time for clarification and to solve any problems promptly.

What happens if there are debts?

If the bank details shown are incorrect or there isn’t enough money in the account on the day of the debit, this creates an overdue amount and so the invoice won’t be paid. In this case, don’t worry. You’ll be contacted by one of our staff to define the amount to be paid.