Direct debit continues after you close a bank account
Check whether the debit is an account-based direct debit, a recurring card payment or a third-party mandate.
What to do next
- Check whether the debit is an account-based direct debit, a recurring card payment or a third-party mandate.
- Cancel the authority with the merchant as well as instructing the bank, and request an investigation of post-cancellation charges.
- Closing an account does not necessarily cancel contractual payment obligations.
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AFCA banking help
Start with the responsible provider or public information service. It can address the specific account, booking, consumer-rights or technical issue rather than recommending an unrelated purchase.
Open AFCA banking help — official websiteWhat to check before deciding
Cancel the authority with the merchant as well as instructing the bank, and request an investigation of post-cancellation charges. Closing an account does not necessarily cancel contractual payment obligations.
Frequently asked questions
Which checks matter most for direct debit continues after you close a bank account?
Check whether the debit is an account-based direct debit, a recurring card payment or a third-party mandate.
What is a sensible follow-up for direct debit continues after you close a bank account?
Cancel the authority with the merchant as well as instructing the bank, and request an investigation of post-cancellation charges.
What is a sensible follow-up for direct debit continues after you close a bank account (part 3)?
Closing an account does not necessarily cancel contractual payment obligations.
What practical considerations apply to direct debit continues after you close a bank account?
An unauthorised continuing debit after account closure needs transaction trace, debit authority cancellation and bank dispute.