SEDA (Sepa compliant Electronic Database Alignment) is an additional service to the SEPA Direct Debit scheme and its implementation by banking institutions is optional. The service allows the exchange of information on mandates after they have been issued and before the first debit is made.

There are two forms of SEDA:

• Basic SEDA
  Allows the creditor to send the debtor's bank a request for the settlement, modification or cancellation of a mandate. If you detect ‘’NO SEDA MANDATE‘’ errors from Internet Banking following reject transactions, simply connect to your Internet Banking and send the SEDA mandate. Only after a successful transaction will it be possible to send SEPA (SDD) mandates again.
• Advanced SEDA
  The participating institution may allow the debtor customer to request the clearance, modification or cancellation of a mandate. In this case, any errors caused by the lack of a SEDA mandate are handled directly by the end customer with the creditor company.