A SEPA mandate expires if no debit is submitted within 36 months from the last collection (or from signing if never used). Calculate your mandate status here.
A SEPA mandate expires after 36 consecutive months without any debit submission. The period starts from the last collection, or from the signing date if never used.
It's the EPC (European Payments Council) rule establishing that a mandate loses its validity after 36 months without use. It applies to both CORE and B2B schemes.
Both schemes apply the same 36-month expiry rule. The main difference is in submission deadlines and refund options.
A new signed authorization from the debtor is needed before submitting new debits. The bank will reject debits against expired mandates.
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