What happens if a client paying by direct debit changes their bank in Tempolia?

When a client paying by direct debit changes their bank, update their IBAN and BIC in their client record. There is no need to modify the direct debits already scheduled, as these will automatically be debited from the new account, and no further action is required.

Indeed, the existing mandate remains valid without requiring a new signature, as confirmed by the Banque de France, which stated that the mandate remains valid. The RUM remains unchanged, and an amendment is automatically generated and included in the SEPA XML direct debit file to link the new mandate to the initial record. This automated process ensures compliance with SEPA regulations and prevents errors in future direct debits.