What you agree to in a debit order mandate
A debit order mandate is your authorisation for a company to collect from your account. Under DebiCheck you authenticate it once, and it specifies limits — which is the protection people most often do not realise they have.
The mandate sets a maximum amount and a collection date. A collection outside those parameters should not succeed, and where one does you have grounds to dispute it with your bank.
Because you authenticate it, a mandate cannot be loaded without your approval. This is the protection DebiCheck was introduced to provide, and it is why the approval step exists between your loan approval and your payout.
Read what you are approving. The amount shown is the maximum the company may collect, not necessarily the instalment — a maximum well above your instalment is worth querying before you approve it.
To cancel, cancel the underlying contract with the provider in writing. Stopping the debit order at your bank alone leaves the obligation intact and puts you into arrears.
Related
Sources and last checked
This page explains how ZarCash works rather than citing external material.
Page last checked 10 August 2026. Statutory caps and lender terms change — confirm anything you intend to rely on with the provider or the National Credit Regulator. Found something wrong? Tell us and we will correct it.