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
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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.
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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.
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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.
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Should I use a direct debit or standing order for regular payments?
If you're looking to make a regular payment from your bank account, read the Which? guide on the differences between a standing orders and direct debits.
Step by step guides
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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.
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How to cancel your direct debit or standing order
You can cancel a standing order or direct debit at any time. However, there is certain protocol you should follow before you do. Find out more in our guide.
Letters
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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.

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