Generate unique references for your SEPA mandates following EPC rules: maximum 35 characters, SEPA-allowed charset.
The UMR (Unique Mandate Reference) is a unique identifier assigned by the creditor to each SEPA mandate. It allows the bank and creditor to uniquely identify each debit authorization.
Maximum 35 characters. Only letters (a-z, A-Z), digits (0-9) and special characters: / - ? : ( ) . , ' + space. A UMR cannot be reused once assigned.
Use an identifying prefix for your organization, add a sequential number and avoid special characters. Example: CLUB-OLEIROS-00001. Easy to identify and search.
No. Once a UMR is assigned to a mandate, that reference cannot be reused, even if the mandate has been revoked or expired.
Generating UMRs manually? Custodita assigns unique references automatically.
Try free — up to 10 mandates