What DebiCheck does
DebiCheck is a debit-order arrangement in which you confirm a mandate through your bank. Your bank keeps the approved collection information and checks DebiCheck collections against it. The mandate concerns payment collection; it is separate from deciding whether a loan is suitable or affordable.
Not every provider uses DebiCheck. Ask which payment method applies to your actual agreement. This guide does not confirm that RandHaven has an active DebiCheck integration.
Check the mandate fields
Keep your agreement beside the request. The wording varies by bank; check the actual values, not just a familiar logo.
- Company
- Does the collector match the provider named in the agreement? Query an unfamiliar description.
- Amount
- Does it match what you agreed, including any permitted variation?
- Date and frequency
- When will collection happen, and is it once or recurring?
- Reference
- Keep the mandate reference with the agreement it relates to.
If something differs, ask: “My agreement shows [detail]. This request shows [different detail]. Please explain the difference before I approve it.” Do not send credentials with the question.
Use your bank’s approval process
Use your bank’s established approval process and its instructions for your account. Do not give an agent your PIN, banking password or OTP so that they can approve a mandate for you. If you cannot tell whether a message is authentic, open the bank’s app yourself or contact the bank through a number you already trust.
Keep a record of the mandate reference and the agreement it relates to. You do not need to share those details on this website.
The official DebiCheck guidance explains that collections may move around weekends or public holidays, and that insufficient funds can lead to later collection attempts under the applicable arrangement. Ask how those rules affect your specific mandate.
Plan around the agreed payment schedule, then check your bank statement after the expected collection. Read repayment guidance if you need help organising the dates. Do not assume that a missed attempt means the repayment has disappeared.
Query problems promptly
If a collection is unfamiliar or differs from what you agreed, contact your bank and the provider promptly with the date, amount and reference. Ask what options are available and keep the response. A collection that matches an approved mandate is not automatically reversible simply because you request it.
Changing or suspending a payment instruction should not be treated as cancelling the underlying debt. If affordability is the problem, use payment difficulties guidance and discuss the agreement itself. For suspicious requests, start with security guidance.