SEPA Direct Debit

Table of content
General information to the SEPA direct debit
Successful executed SEPA direct debit (overview of companies)
I would like to use the SEPA direct debit with Holvi. What do I need to do?
What do I need to do if the SEPA direct debit is not accepted on the homepage of the merchant?
What shall I do if a company says that they do not accept Finnish IBANs? 
What happens if a direct debit is successful but there is low balance on my account?
How long does my German IBAN remain? (Account opening before the 1st February 2017)
I am a new customer and I have opened a Holvi account after the 1st February. Do I receive a Finnish or German IBAN?
I am an existing customer, when do I receive the Finnish IBAN?
I use the Finnish IBAN for the SEPA Direct Debit only. Do I need to switch fully to the Finnish IBAN?
Which BIC do I use with my IBAN?
 

General information to the SEPA direct debit
Holvi has become part of the SEPA agreement in September 2016 which means that we can offer our own IBAN and BIC numbers. This change helps us to develop our services and SEPA direct debits are also technically possible with Holvi issued Finnish IBANs.

On March 1, 2017 all current customers will receive a new Finnish IBAN in addition to your German one. This new IBAN will be visible in your account. You will have three months time to inform your customers about your new IBAN number.

Your current German IBAN will remain active until June 1, 2017 and all payments addressed to this IBAN will arrive as usual. If you would like to send payments out in your own name and use SEPA direct debit as a payment method before March 1 you may switch fully to the new Finnish IBAN by contacting our support team at support@holvi.com.
The Finnish IBAN is applicable anywhere according to the European law. Unfortunately not all companies adhere to the European law and it is possible that SDD is not viable with all businesses. We can already confirm that the Finnish IBAN is accepted by e.g. the German finance office as well as other providers (please see article “List of the companies that are accepting the Finnish IBAN”). At the moment there are operating SDDs for the Austrian finance office. We will inform you immediately as soon as we know more about important acceptance locations.

 

Successful executed SEPA direct debit (overview of companies)
Here is an overview of the companies that accept the Finnish IBAN. This list will be updated regularly.

  • 1u1 Internet SE
  • 1u1 Telecom GmbH
  • AACHENMUENCHENER KOELN
  • Adler Palder Steuerberatungsgesellschaft mbH
  • Adyen Client Management Foundation Stichting
  • Aioi Nissay Dowa Europe
  • Alfahosting GmbH
  • Allg.Deutscher Automobil-Club ADAC e.V.
  • Allianz Lebensvers. AG
  • Allianz Versicherungs-AG
  • AMAZON EU S.A R.L., NIEDERLASSUNG DEUTSCHLAND
  • AMAZON MEDIA EU SARL
  • AMAZON PAYMENTS EUROPE S.C.A.
  • AMAZON SERVICES EUROPE S.A.R.L.
  • Anz. u.Mark. KLZGmbHuCoKG
  • AOK Rheinland/Hamburg
  • ARAG SE
  • AS-INFODIENSTE GMBH
  • AS-Infodienste GmbH - ANC
  • AVOCADO STORE GMBH
  • BARMER
  • Bayer. Zuchtverb. f Kleinpf
  • BILLBEE GMBH
  • Billpay GmbH
  • BuchhaltungsButler GmbH
  • BUNDESKASSE IN HALLE/SAALE
  • cast C.Adolph + RST Distribution GmbH
  • chayns OPM GmbH
  • Christophers-Rathke Heidrun
  • CLOUMEO GMBH + CO. KG
  • Club Commission - Verband der
  • Collmex GmbH
  • ConCardis GmbH
  • ConceptIF Pro GmbH
  • CONTINENTALE/EUROPA VERBUND
  • COSMOS Leben
  • COSMOS Versicherung
  • CPN Cooperation Network GmbH
  • Daten- und Telekommunikations-GmbH
  • DB Vertrieb GmbH
  • Debeka Kranken-Versicherung-Verein a.G
  • DELTRA BUSINESS SOFTWARE GMBH + CO. KG
  • Deutsche Lufthansa AG DEU
  • Deutsche Post AG
  • Deutsche Telekom AG
  • Dogma-Tiernahrung GmbH
  • Domainers Registrar
  • domainfactory GmbH
  • Drillisch Online AG
  • Dropscan GmbH
  • easybell GmbH
  • easybill GmbH
  • EBAY.COM GLOBAL BILLING
  • EINBOCK GMBH
  • energycoop eG
  • enviaM
  • ERGO VERSICHERUNG AG
  • Eurowings GmbH
  • everbill GmbH
  • Expert Systems GmbH
  • FACEBOOK IRELAND LTD
  • fairytel communications gmbh 1040 Wien Trappelgasse 4
  • FELIX HANS NETZEL
  • felix1.de AG Steuerberatungsgesellschaft
  • Finanzamt Charlottenburg i.A.d. Berliner Finanzamter
  • Finanzamt Flensburg
  • Finanzamt Freiburg-Stadt
  • Finanzamt Munchen Abteilung Erhebung
  • Finanzkasse Nuernberg-Sued
  • FK Halle(Saale)
  • fnordcordia - F.Arndt, L.Martini u.a. GbR
  • fonial GmbH
  • Frankfurter Allgemeine
  • GAS NATURAL S U R SDG, S.A.
  • GC re Sage Global Services
  • GC re study clever GmbH
  • GoCardless
  • goneo Internet GmbH
  • GULP INFORMATION SERVICES
  • Guski, Arne
  • H Brunner GmbH
  • HANDELSFAXZENTRALE PETER LEIBEL E.K.
  • Hansa Funktaxi eG
  • HANSEMERKUR VERS.
  • Haufe Service Center GmbH
  • HDI Lebensversicherung AG
  • HEADQUARTER S SERVICES GMBH
  • Helvetia DfD
  • HISCOX EUROPE UNDERWRITING HISCOX
  • HIT GmbH
  • Holmes Place Wien GmbH
  • Hutchison Drei Austria GmbH
  • Hüttner Christian
  • IBERDROLA CLIENTES, S.A.U
  • IBERDROLA COMERCIALIZ. ULTIMO RECURSO, S.A.
  • Impact Hub Munich GmbH
  • Impact Hub Vienna GmbH
  • Implix Sp. zo.o.
  • Ingo Gummersbach und Jorg SchifflerGbR
  • Internex GmbH
  • IT-RECHT-KANZLEI
  • julitec GmbH
  • Jumingo GmbH
  • Knappschaft-Bahn-See
  • kommpet GmbH
  • Kooperation Billpay net-m privatbank 1891 AG
  • Kramer IT Solutions GmbH
  • Landesbank Berlin
  • Lohndata Abrech
  • Markel International Insurance Company
  • MAXENERGY Austria Ha
  • MAXENERGY Austria Handels GmbH
  • MCAFEE IRELAND LIMITED
  • Microsoft Payments
  • MWC - Mobile World Communications GmbH
  • MWC -MOBILE WORLD
  • myLoc managed IT AG
  • NABU Bundesgeschaftsstelle
  • netcup GmbH
  • NetDebit GmbH
  • NICO MICHAEL
  • Niedersachsische Landeshauptkasse
  • NOVALNET AG
  • NOVOFLEET GmbH + Co. KG
  • Ogulo GmbH
  • OLG Wien
  • P U. P PERGANDE U. POETHE
  • PayPal Europe S.a.r.l. et Cie S.C.A
  • PIN MAIL AG
  • PPRO Financial Ltd
  • PrismaLife AG
  • Procon GmbH Schoenebeck
  • providicon UG (haftungsbeschrankt)
  • Provinzial Rheinland Versicherung AG
  • proWIN Winter GmbH
  • REDGECKO GMBH
  • Reico & Partner Vertriebs GmbH
  • Revenue Commissioners
  • Sage GmbH
  • Schlund Technologies GmbH
  • Scoobu UG (haftungsbeschrankt)
  • secupay AG
  • SEK Treuhand Mieten
  • SHERPATEC GMBH
  • sipgate GmbH
  • SISTRIX GmbH
  • skyDSL Deutschland GmbH
  • smart tickets.de GmbH
  • SOFORT GmbH
  • Stadtwerke Flensburg GmbH
  • STEUERKASSE HAMBURG
  • STEUERVERWALTUNG NRW
  • STG ADYEN
  • Stiller, Marcel
  • Store Unit GmbH
  • STRATO AG
  • SWM Versorgungs GmbH
  • Techniker Krankenkasse
  • Telefonica Germany GmbH + Co. OHG
  • Telekom Deutschland GmbH
  • Tesch mediafinanz GmbH
  • TNG - Stadtnetz
  • Toyota Kreditbank GmbH
  • TRUSTAMI GMBH
  • UNITED DOMAINS AG
  • UNITYMEDIA BW GMBH
  • UNITYMEDIA NRW GMBH
  • UPC Telekabel Wien GmbH
  • VATTENFALL EUROPE SALES
  • Vereinte Dienstleistungsgewerkschaft
  • VersaCommerce Entwicklungs-u
  • Vodafone GmbH
  • webgo GmbH
  • Werner Brachvogel und Rainer Nobel
  • Wiener Gebietskrankenkasse
  • Wikimedia Deutschland e.V.
  • WLW Deutschland
  • World4You Internet Services GmbH
  • XING AG
  • YOGISTAR VERTRIEBS GMBH
  • yourfone AG
  • Zentrale Zahlstelle Justiz

 

I would like to use the SEPA direct debit with Holvi. What do I need to do? 
All customer who opened their account before the 1st February 2017 will receive a new Finnish IBAN in addition to your German one. This new IBAN will be visible in your account. From this point on, you will have three months’ time to inform your customers about your new bank information. No worries, though - your current German IBAN will remain active until June 1, 2017 and all payments addressed to this IBAN will arrive as usual. If you would like to switch fully to the new IBAN before March 1 so you can take advantage of our new infrastructure, send payments out in your own name and use SEPA direct debit as a payment method, simply contact our support team (support@holvi.com) so we can get you started.


What do I need to do if the SEPA direct debit is not accepted on the homepage of the merchant? 
In that case you need to contact the merchant to get more information about the reason of the rejected direct debit. Some companies e.g. the German tax office accepted the Finnish IBAN even though an error was shown in the UI.

What shall I do if a company says that they do not accept Finnish IBANs?
We would like to ask you to fill in this Form (scroll to the end of the page).We’ll treat your request with high priority and inform our Compliance department.  

What happens if a direct debit is successful but there is low balance on my account?
In order to deduct a SEPA direct debit you need to have enough balance in your account. In case of low balance the direct debit will be rejected and it will shown as “too low saldo”/rejected in your account. As rejected SDD can not be repeated, you need to take care of this payment yourself.  

How long does my German IBAN remain? (Account opening before the 1st February 2017)
The German IBAN is still active until End of May 2017. No worries, all payments addressed to this IBAN will arrive as usual.On March 1, 2017 all current customers will receive a new Finnish IBAN in addition to your German one as Holvi is now part of SEPA, that’s why we offer now our own IBAN and BIC. This new IBAN will be visible in your account. Don’t forget to inform your customers and partners about the IBAN switch.  

I am a new customer and I have opened a Holvi account after the 1st February. Do I receive a Finnish or German IBAN?
All new customers that open a Holvi account after the 1st February will automatically receive the Finnish IBAN.


I am an existing customer, when do I receive the Finnish IBAN?
All customers that have opened an Holvi account before the 1st February, will receive on 1st March a new Finnish IBAN in addition to the German one. This new IBAN will be visible in your account. No worries, though - your current German IBAN will remain active until End of May, 2017 and all payments addressed to this IBAN will arrive as usual. Don’t forget to inform your customers and partners about the IBAN switch.  

I use the Finnish IBAN for the SEPA Direct Debit only. Do I need to switch fully to the Finnish IBAN? 
Yes! On March 1, 2017 all current customers will receive a new Finnish IBAN in addition to your German one as Holvi is now part of SEPA, that’s why we offer now our own IBAN and BIC. This new IBAN will be visible in your account. No worries, though - your current German IBAN will remain active until June 1, 2017 and all payments addressed to this IBAN will arrive as usual. Don’t forget to inform your customers and partners about the IBAN switch.  

Which BIC do I use with my IBAN?
The Finnish IBAN starts with FI followed by 18 digits and the BIC is: HOLVFHH
The German IBAN starts with DE followed by 22 digits and the BIC is WIREDEMM
If you use the wrong BIC the payment can not be executed. Please note that the German IBAN and BIC remains until End of May only.

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