{"type":"document","data":{"id":"f621cd64-dbda-4469-b293-873d65f9f440","localeString":"en-GB","publishDate":"2026-01-30T16:52:41.747+01:00","contentType":"onecms:productPage","hasMacro":false,"flexPageMetadata":{"afmBanner":false,"robotInstruction":{"noIndex":false,"noFollow":false},"description":"Possible causes of a failed direct debit and what you can do to fix it."},"mainHeaderZone":{"componentType":"productHeader","cta":{"componentType":"cta","textLink":{"url":"https://mijn.ing.nl/banking/messages","text":"To messages"}},"coreHeader":{"body":"Has a direct debit failed? First, always check your messages in My ING or in the ING App. If we know the cause, we’ll notify you automatically. Below, you can read what you can do to resolve it.","headerImage":{"transformBaseUrl":"https://assets.ing.com/transform/401b37d0-df0e-4849-b66e-824c5d3e9516/check-up-Pro-1920","type":"image","width":1920,"original":"https://assets.ing.com/m/2754c6fb5c9ae4ff/original/check-up-Pro-1920.jpg","extension":"jpg"},"title":"Failed Direct Debit","subtitle":"What causes it and what can you do about it?"},"backLink":{"textLink":{"url":"/en/personal/payments","text":"All about payments"}}},"flexZone":{"flexComponents":[{"componentType":"paragraph","title":"1. You have insufficient funds","richBody":{"value":"<p>It can happen! Many creditors try again a few days later. Or they may ask you to transfer the amount manually. Wait for their instructions, or contact them yourself to avoid paying twice.</p>"}},{"componentType":"paragraph","title":"2. Your creditor or mandate is blocked","richBody":{"value":"<p>Your direct debit may fail because a block is active.</p><p>There are two types:</p><ul><li>A blocked direct debit mandate.</li><li>A blocked creditor.</li></ul><p>In My ING you can find an overview of all your direct debits and creditors. At the bottom of the page, you’ll find the Direct Debit Mandates. Select a creditor to block the creditor or to block that creditor’s mandate.<br />If one is blocked, you’ll see this immediately in the same overview.</p><p>Want to remove the block? </p>"},"textLinks":[{"url":"https://mijn.ing.nl/banking/content/personal/payments-and-creditcards/unblocking-a-direct-debit","text":"Unblock creditor or mandate"}]},{"componentType":"paragraph","title":"3. You’ve set a maximum amount for the direct debit mandate","richBody":{"value":"<p>It can be useful, but if you’ve set the maximum amount too low, all direct debits above that amount will fail.</p>"},"textLinks":[{"url":"https://mijn.ing.nl/banking/services/190864","text":"Set or change the maximum amount"}]},{"componentType":"paragraph","title":"4. You’re doing everything right, but something is going wrong on the creditor’s side","richBody":{"value":"<p>You’ll also receive a message from us in that case. For example, if the direct debit wasn’t submitted to us correctly. You don’t need to do anything! We’ll sort it out with the creditor, or the creditor will contact you directly.</p>"}},{"componentType":"paragraph","title":"When we don’t send you a message","richBody":{"value":"<p>If you have enough funds, nothing is blocked, the maximum amount isn’t set too low, and everything also went well on the creditor’s side, then the remaining possibilities are:</p><ul><li>The account number is incorrect.<p>You won’t hear this from us, but from the creditor. Agree with them how you can still pay the missed direct debit.</p></li><li>You accidentally refused or reversed the direct debit once.<p>This is different from permanently blocking a mandate or a creditor. Contact the creditor to pay the amount. The next direct debit will go through as normal.<br /> </p></li></ul>"}},{"componentType":"cta","textLink":{"url":"https://mijn.ing.nl/banking/messages","text":"To messages"}},{"componentType":"linkList","iconTitle":{"title":"More about"},"textLinks":[{"url":"/en/personal/payments/direct-debit/automatic-debit","text":"Direct Debit"},{"url":"/en/personal/digital-banking/app","text":"Download the ING app"},{"url":"/en/personal/digital-banking/apply","text":"Request My ING (digital banking)"}]},{"componentType":"linkList","iconTitle":{"title":"Payments"},"textLinks":[{"url":"/en/personal/payments/bank-accounts","text":"Bank accounts"},{"url":"/en/personal/payments/pay-with-your-phone","text":"Mobile payments"},{"url":"/en/personal/payments/money-transfers","text":"Transfer money"},{"url":"/en/personal/payments/creditcards","text":"Credit cards"},{"url":"/en/personal/payments/debit-cards","text":"Debit cards"},{"url":"/en/personal/payments/cash","text":"Cash"},{"url":"/en/personal/payments/payments-abroad","text":"Payments abroad"},{"url":"/en/personal/payments/switch-to-ing","text":"Switch from your current bank to ING"},{"url":"/en/personal/payments/rates","text":"Payment product rates overview"},{"url":"/particulier/betalen/bankrekeningen/pakketvergelijken","text":"Compare packages"}]},{"componentType":"paragraph","richBody":{"value":"<p><small class=\"footnote\">🛈 We offer the English information on ING.nl as an additional service. This information was translated from Dutch, and in case of any inconsistency, the original Dutch text shall prevail.</small></p>"}}]}}}