Hey, Joris! This is possibly because of an outdated system from their side. Let us contact them and try to have it solved as soon as possible. I will contact your through support chat to ask for permission to share your IBAN details with them!

Ik heb een abonnement bij Tele2 en mijn kosten worden van mijn bunq-rekening gehaald, geen enkel probleem.

Follow Marc ;) and FYI. The SEPA rules in Article 9 disallowing that a SEPA Account is not acceppet for direct debit or reciveing a SEPA Transaction. It can Cost a Lot of someone says no to the sepa Account ;)

Cheaper Do make an System Update xd

Where exactly did you get this. I moved to tele2 2 months ago and had no issues with bunq.

I now have issues with KPN. Will follow up with the details asap.

Also on tele2 and bunq. No problem

Belsimpel weigert al heel lang om bunq toe te voegen en overtreedt daarmee de regels. Tele2 zelf staat hier los van.

Zie: https://together.bunq.com/topic/belsimpel-accepteert-geen-bunq

I don't know how that work to your country but FR, a private company or a public administration can decline IBAN don't start with FR, and they can decline IBAN starting with FR for a few Fintech or claim a caution.

No sentence if a company decline IBAN (ex Bunq), the European rules force only financial institution to accept all IBAN but private company like mobile operator or administration company like health insurance can decline IBAN not starting with FR that completely legal.

When you send the European decision, the company said (and have right) this is for financial institutions like bank not for private / public company.

It's an EU rule for the whole EU

if you check, private company have no obligation to accept IBAN outside the owner country.

the EU rules it's for technical network (bank,...) but not for company.

the French fraud regulation have reply many times, the EU rules it's for technical provider with a access to STET-CORE and TARGET2, not for company like mobile operator, or administration like tax administration.

every company have the right for decline a IBAN because every person have the right to have a account inside the country who he leaves.

the EU rules have a reference about financial sanction but it's for banks and must be translated to the local country law.

the French law for that it's the "code monétaire et financier" and no sanction was translated because every bank and financial institution are SEPA compliant.

the EU rules speak about technical integration for bank with SCT and SDD but private company have the right for choose which iban she accept same for national administration.

Google sepa diskriminierung ;)

Google sepa diskriminierung ;)

If your reply it's based with the 260/2012 Rules, that's a technical Rules for payment network and provider.

Many times we see people give the article 9 but it's for technical provider who send / receive oder by STET-CORE or TARGET2.

Definitely it's not for private company or national institutions.

The 9 say your bank must accept, but it's conditional not obligation.

In real no country put sanction because every technical provider connect to the 2 most important EU payment system are SEPA compliant.

All private company have the right to not accept every IBAN.

You can find many legend to Google, but in the fact it's completely legal that a company decline IBAN, no sanction, no obligation.

The 260/2012 Rules only fix the technical rules for all technical provider, but example Tele2 it's not a technical provider, he send the order to a technical provider (like a bank) and the technical provider send the SDD order (XML) to STET-CORE or TARGET2.

All company can decline a commercial contract or request a deposit for guaranteed if she would based to the IBAN provided by the customer.

Example a credit company can reject case because you use IBAN outside your country, it's legal.

A phone operator can request a guarantee deposit (ex 200€) if you give a IBAN who the provide is in a blacklist.

Again, 260/2012 it's a technical rules, many peoples don't read it and would force private company to accept a IBAN outside the owner country...

Company can accept because SDD/SCT are same in all EU country's but it's not a obligation 😉

@DAMIEN This should also apply to merchants and organizations in france:

"All merchants, organizations and employers based in the SEPA zone have to accept IBANs from any country of the SEPA zone." [1]

French Version [2] P2(9) http://eur-lex.europa.eu/LexUriServ/LexUriServ.do?uri=OJ%3AL%3A2012%3A094%3A0022%3A0037%3Afr%3APDF

or Art (9) of: http://eur-lex.europa.eu/legal-content/FR/TXT/?uri=CELEX%3A32012R0260

You can report the IBAN discrimination in france here:

https://formulaire.defenseurdesdroits.fr/code/afficher.php?ETAPE=accueil_2016

For Germany here:

https://www.wettbewerbszentrale.de/de/beschwerdestelle/sepa-beschwerdeformular/

Hope this helps.

For German IBAN discrimination discussion see this:

https://together.bunq.com/topic/german-probleme-bei-sepa-iban-akzeptanz-sammelthema

[1] https://support.sogexia.com/hc/en-gb/articles/208393349-My-IBAN-has-been-refused-what-can-I-do-

[2|EN] English Version http://eur-lex.europa.eu/LexUriServ/LexUriServ.do?uri=OJ%3AL%3A2012%3A094%3A0022%3A0037%3Aen%3APDF

[2|DE] German Version http://eur-lex.europa.eu/LexUriServ/LexUriServ.do?uri=OJ%3AL%3A2012%3A094%3A0022%3A0037%3Ade%3APDF

Same here, kpn en zelfs robin mobile geen probleem

Hi Simon,

1) Sogexia it's a prepaid card company, she put in the FAQ what she would, sure if she wrote, due to the EU rules, company can reject your UK IBAN... user can evtl. not order this prepaid card 🙂

2) défenseursdesdroits it's not a official FR agency, the official it's the DDPP (DGCCRF) and a lot of users (N26 customers in January this year) have open case to this official French Customers Agency and the reply was clear.

The EU rules it's applicable to technical payment service providers like Bank or Fintech connect to STET-CORE or TARGET2 for place SDD or SCT.

EU or EU rules (like the point 9) it's not for commercial company or gouvernement agency.

Many FAQ or support reply with wrong information and the customer think it's a obligation but not.

The French law have translate the EU without integrate the financial sentence because all bank was already SEPA compliant.

That was really a big discussion when N26 have receive his own Bank License and officially launch in FR.

But the authority have reply, the EU rules it's for payment service provider not for company, if a company wouldn't accept a IBAN outside FR she have the right, if she request a deposit of guarantee, she have again the right.

In FR every people have the right to obtain a account in FR bank, if 2 banks decline to open a account (example big financial troubles,...) the "Banque de France" contact one bank and force this bank to open a account and deliver debit card,...

In Germany I know that American Express or Diners Club decline to opening a account if you give a IBAN outside Germany.

French association (like Défenseursdesdroits) it's here for informing customers, but she can't force a company like Orange, SFR, Bouygues Télécom (mobile provider) to accept a IBAN not in FR.

Only the DDPP (DGCCRF) can take a action (financial sanction, close a company,...) if the customer right are not respected.

Example French Social prestation reject every IBAN not located in FR,...

People have open case to the DDPP, reply was, no obligation to accept N26 IBAN because that is not a technical payment provider.

French EU deputy was contacted for obtain a obligation again company / government agency to accept IBAN like N26, reply was... we need discuss about that to Brussels but for the moment it's not a emergency request.

So 2 cases,

French represents (and people) don't understand the EU rules and it's a obligation, in this case why Bunq, N26,... doesn't make a typical letter to send to the company for force it to accept Bunq IBAN.

French represents (and people's) understand that is a technical text and that the reason why company with Bank license doesn't make example letter to private company for force it to accept Bunq IBAN.

That not so easy I think, the EU text it's not so clear.

I would that all company must accept all EU IBAN, that would be really great, for the moment a lot accept IBAN in other country, but the most important and government agency decline IBAN in other country.

Technically that is the same if she made a SDD to a FR IBAN or a EU IBAN (8 weeks for reject SDD if a authorization is provided, 13 months if no authorization is provided, FIRST sequence was now optional the RCUR can now be directly used and the delay is now J+1...).

But for the moment no official text (EU or FR) wrote "private company have the obligation to accept IBAN not located in another country that the customer address".

And the article 9 doesn't not say that...

That would be really great if we can force all company and all agency to use IBAN not located in FR with a customer FR address.

We found FAQ who is written a deduction from the article 9...

The best it's that a Fintech (with a bank license) make a example letter for customers, the customer print it and send to the company (like mobile phone) and if after 2 months the IBAN it's not accepted, the Fintech open a complain to Brussels.

But for that, the law must be clear and force all company to accept IBAN like NL with a service based on FR and with a customer address in FR.

Hi Damien,

I wrote my "google-findings" above, in-between you where writing your #comment-17422, that article 9 does not work for france, so I didn't read this before. Sogexia and N26 where my findings about IBAN discrimination in france. But I see, in france, it is more complicated to go against IBAN discrimination. In Germany some companies also won't accept bunq's IBAN, but you can call the private Organization "Zentrale zur Bekämpfung unlauteren Wettbewerbs" (Wettbewerbszentrale in the Enforcement System against Unfair Commercial Practices in Germany) https://www.wettbewerbszentrale.de/de/home/

And they forced Amazon, Air Berlin, buecher.de and others to accept foreign IBAN.

Maybe "Competition law" could solve this problem for france too? I'm not a lawyer.

In my case they forced zooplus, which is a pet shop who sells across Europe, also in the netherlands and france, to accept the bunq-IBAN for direct debit in germany. Companies go across Europe, using European rights, but won't accept customers doing the same.

Same for blendle.com (NL Company) uses Adyen adyen.com for payments (NL Company) but won't accept bunq-IBAN for direct debit in Germany: