Direct debits & standing orders
Most of us aren’t 100% clear about the differences between standing orders and direct debits. Read our guides to find out the differences as well as how to cancel and what to do if money is taken from your account after you’ve cancelled.
Answers to your problems
I've been charged because my bank made a mistake on a direct debit
If your bank has made a mistake on your account resulting in bank charges, it's up to them to sort it out. Read the Which? guide to how to get your money back.
I've been defrauded from a standing order or direct debit
If you've been defrauded from a false direct debit or a standing order that's gone astray you should get a refund. Read the Which? guide on how to do so.
Money has been taken from a cancelled direct debit, what can I do?
Sometimes recurring payments can be taken from your bank account even if you think you've cancelled a direct debit or standing order. Read what you should do.
Step by step guides
How do I get money back that I’ve sent to the wrong bank account?
The code of best practice on ‘misdirected payments’ outlines how your bank should act if you’ve transferred money to the wrong bank account.
Letter to your bank to cancel a direct debit
If you wish to cancel your direct debit, make sure to inform your bank with this handy Which? template letter.