DebiCheck is the name for a specific type of debit order that requires your once-off electronic confirmation at the start of your contract period. This is so that you can confirm the details of the debit order with your bank before it can be processed to your account.

DebiCheck has been endorsed by the South African Reserve Bank and the Payment Association of South Africa. 

Debit order abuse is increasing. DebiCheck minimises the risk of fraudulent or unauthorised debit orders going off your account.

DebiCheck requires you to confirm the debit order information with your bank at the start of the contract period. This gives your bank a record of all DebiCheck debit orders and they will be able to verify the information before the debit order is processed to your account. Currently, banks do not have record of your debit orders and therefore cannot verify that the debit order information is correct before they process the debit order.

DebiCheck puts you in control of the debit order because you can confirm its details before it goes off your account. DebiCheck debit orders must also be processed within the agreed conditions that you have confirmed.

DebiCheck debit orders require your electronic once-off confirmation. Other debit orders are not confirmed electronically, which lead to incorrect processing or fraud.

DebiCheck will require an additional action from you - your electronic once-off confirmation of the debit order information with your bank. Mostly, your cellphone will be used for this confirmation, so please make sure that your bank has your correct cellphone number.

It means that you confirm your debit order details on an electronic device such as your cellphone, banking app, personal computer or an ATM. Your bank will let you know which of these devices you may use.

Just once, at the start of the contract. However, if the debit order information that you confirmed changes later, your bank will ask you to confirm the new information.

For existing debit orders, nothing. For new DebiCheck debit orders, you must check and confirm the new debit order information in the manner requested by your bank. This could be in person (face to face), via internet banking or your banking app, via a call centre or request sent to your cellphone.

As an individual, unfortunately not. Companies, however, can choose whether they want to use DebiCheck or not. If they choose to use DebiCheck, they will receive an electronic request to confirm the debit order information.

If not, they just need to ensure they have a signed paper or a telephonically approved (voice) recorded mandate. 

For more information on bank fees, please contact your bank directly.

The costs will depend on a few factors, such as whether you use the USSD option or your banking app to confirm the DebiCheck. It will also depend on your mobile network costs.

No, you must always keep this information safe. Remember, your bank will never send you a link or ask that you provide your card PIN, password or personal details. A request like this may be a form of phishing. If you are worried, please check with your bank.

No, but you will be able to suspend your DebiCheck debit order with your bank, which means the debit order will not be processed to your account in future. However, you should still contact your service provider to confirm that you are cancelling the debit order. Suspending the debit order with your bank does not cancel the contract that you have. This is something that would have to be done directly with the company.

If you are applying for a personal loan and you decline the DebiCheck mandate, you will not be allowed to proceed with the application.

DebiCheck is all about putting you in control and allowing you to confirm your DebiCheck debit orders directly with your bank. For this to happen, your bank must know which number to contact you on. A cellphone is one of the primary means of contacting clients for a DebiCheck confirmation.

No. You need only confirm the debit order again if any of the information you confirmed originally changes.

It allows your bank to verify the information you have confirmed at the beginning of the contract.

The DebiCheck debit order must be approved in the accountholder's name.

  • At your bank's branch.
  • At your bank’s ATM.
  • At your bank’s call centre.
  • Via your bank’s cellphone banking platform.
  • Via your bank’s internet banking platform.
  • Via your bank’s mobile app.
Contact your bank to confirm if there is a pending mandate and request assistance to accept or reject the mandate. You can also try alternative channels, such as the ATM or in-branch.

If you have a zero or a credit balance, your account shouldn't be debited any further. If this is the case, contact your service provider and check the payment period and amount on your signed contract.

It is 1,5 times higher than the amount on the debit order form, as it caters for interest rate or contract-specific increases that need to be collected. It does not mean that the higher amount will be collected monthly.

Your first instalment is only due on the date agreed with the service provider in your signed contract.

DebiCheck will track the account for 10 days to see if there is enough money. If the payment has still not been collected successfully after this tracking period, a double instalment will be collected the following month. Alternatively, you can contact your service provider and bank to make payment arrangements.

  • At your bank's branch.
  • At your bank’s ATM.
  • At your bank’s call centre.
  • Via your bank’s cellphone banking platform.
  • Via your bank’s internet banking platform.
  • Via your bank’s mobile app.
When you do a DebiCheck debit order you will sign a contract with the supplier, which means you promise to pay every month. Once you have given your DebiCheck approval and you do not pay, you are breaking the contract.

For help or more information, go to www.Nedbank.co.za or www.debicheck.co.za, call us on 0860 555 111 or visit a branch.

A: If you experience any problems with approving the mandate initiation request, you should contact the bank where the transactional account is held. This is the bank sending out the request for authentication. For help or more information, go to www.Nedbank.co.za or www.debicheck.co.za, call us on 0860 555 111 or visit a branch.

DebiCheck was designed by banks and in line with prescribed industry standards. The system is therefore secure. Your bank will communicate how you can confirm your debit orders securely and electronically. Make sure that your bank has your updated cellphone number and that all your contact details with the bank are always up to date.

No, this is not like the Financial Intelligence Centre Act (FICA), 38 of 2001. Although, if your bank does not have your correct cellphone number, it may cause some difficultly. Please make sure that your details are up to date with your bank. It is in your best interest and will ensure that it is easy to confirm a new DebiCheck debit order.

No, DebiCheck is not a separate company or third party.

DebiCheck is the name of a new type of debit order that was developed by South African banks. 

Yes, as a consumer you are always protected. Irrespective of the type of debit order, there must always be a mandate in place that you have agreed to.

RMS stands for ‘registered mandate service’, a service that is created for your bank to automatically set up your debit order, should you not respond to the initial DebiCheck mandate request.

If you experience any problems with approving the mandate initiation request, you should contact the bank where the account is held. This is the bank sending out the request for authentication. For help or more information, go to nedbank.co.za or debicheck.co.za, call us on 0860 555 111 or visit a branch.

If you experience any problems with approving the mandate initiation request, you should contact the bank where the account is held. This is the bank sending out the request for authentication. For help or more information, go to nedbank.co.za or debicheck.co.za, call us on 0860 555 111 or visit a branch.

No, it applies to individuals only (including joint applicants). Companies, however, can choose whether they want to use DebiCheck or not. If they choose to use DebiCheck, they will receive an electronic request to confirm the debit order information. If not, they just need to ensure they have a signed paper or a telephonically approved (voice) recorded mandate.

You can stop a future debit order payment for a given period by requesting a stop payment on your account at a fee. The stop payment instruction will not cancel your agreement with the service provider. 

 
You cannot reverse a DebiCheck debit order. If you did not authorise a DebiCheck debit order, you can dispute it.

If a normal debit order goes off your account and you did not authorise it, you can reverse the debit order via the Money app or Online Banking. Follow the steps here.

A debit order is a commitment between you and another party like a service provider, enabling them to withdraw an agreed amount of money from your account every month to pay for related services. For example, you can set up debit orders to pay your monthly loan instalments, insurance premiums and your cellphone account.  

Types of debit orders

  • DebiCheck debit orders minimises the risk of fraudulent or unauthorised debit orders going off your account. For a DebiCheck debit order to go through, you must first approve it electronically via the Money app, Online Banking or at a Nedbank ATM. Unless the amount or payment date changes you only have to do this once. 
     

  • Normal debit orders do not need prior approval – we will process the debit orders on the assumption that you have given the service provider permission to deduct the money from your account. 

 

DebiCheck terms and conditions apply