Free SEPA Mandate Generator — Create Valid Mandate PDFs

What is a SEPA mandate?

A SEPA mandate is the signed authorisation from the debtor that allows a creditor to collect from their bank account via direct debit. Without a valid mandate, the debtor's bank will reject the collection order. It is the legal document that underpins every direct debit in the SEPA zone.

The mandate must include specific data: the unique mandate reference, the creditor identifier (creditor ID), the debtor's details including their IBAN, the date of signature and the scheme type (CORE or B2B). Our generator ensures no mandatory field is left blank.

Difference between CORE and B2B mandates

The CORE scheme is the universal standard. It can be used with any debtor (individuals or businesses) and gives the debtor the right to a refund for 8 weeks (or 13 months if no mandate existed). It is the most common scheme for subscriptions, fees and recurring bills.

The B2B scheme is exclusively for business-to-business transactions. The debtor waives the right to an automatic refund upon signing, which gives the creditor greater payment certainty. In return, the debtor's bank must verify the mandate exists before executing each collection.

What information must a valid SEPA mandate include?

A SEPA mandate compliant with regulations must contain at minimum:

• Unique mandate reference (assigned by the creditor)
• Name and SEPA identifier of the creditor (creditor ID)
• Name and address of the debtor
• IBAN of the debtor's account
• Date and place of signature
• Scheme type (CORE or B2B)
• Payment type (recurring or one-off)

How does our mandate generator work?

Enter the creditor and debtor details in the form, select the SEPA scheme and payment type, and the system generates a standard-format PDF ready for signing. You can print it, email it, or integrate it with digital signature software.

The generator is included free with all SEPA Generator plans. You just need to create a free account to start generating mandates.

What is a SEPA mandate?

It is the signed authorisation from a debtor that allows a creditor to collect from their bank account via SEPA direct debit. Without a valid signed mandate, the debtor\u2019s bank will reject the collection order. It is mandatory for all direct debits in the SEPA zone.

What is the difference between a CORE and a B2B mandate?

The CORE mandate is the universal standard, valid for any debtor (individual or business), and allows the debtor to request a refund for up to 8 weeks. The B2B mandate is exclusively for business-to-business operations: the debtor waives the right to an automatic refund, which gives the creditor greater payment certainty.

What data is mandatory in a SEPA mandate?

At minimum it must include: the unique mandate reference, the creditor’s name and SEPA identifier (creditor ID), the debtor’s name and address, the IBAN of the debtor’s account, the date and place of signature, the scheme type (CORE or B2B) and the payment type (recurring or one-off).

Is the mandate generator free?

Yes, the SEPA mandate generator is included free with all SEPA Generator plans, including the trial plan. You just need to create a free account to start generating mandates in PDF format.

Related articles

• The definitive guide to the SEPA mandate for businesses
• Your guide to the SEPA Core direct debit mandate
• Your guide to the SEPA B2B direct debit mandate
• What is the SEPA creditor identifier and how to use it

Other SEPA utilities

• IBAN validator — Verify the format and MOD-97 check digits of any IBAN.
• IBAN generator — Convert a Spanish CCC to IBAN with the official algorithm.
• SEPA Creditor ID — Generate and validate the SEPA Creditor Identifier with the EPC formula.
• pain.008 XML validator — Check the direct debit file against the official schema before sending it.