[0/0 00:00] 00 000 000 000: Let me put everything in a clear, unambiguous structure, so that you know exactly what comes next, who takes each step and how long it takes until you have the money in your account via SEPA Direct Debit B0B.
Everything is adapted to your situation:
- the account is (or will be) opened at Commerzbank
- you have the financing contract signed
- you have the SEPA B0B mandate signed by the investor

0. Activating SEPA Direct Debit B0B at Commerzbank
Even if you have an open account, the B0B scheme is not automatically active.
What you need to do
- send the signed mandate to Commerzbank
- request activation of the SEPA Direct Debit B0B service – creditor
- confirm company data and creditor identifier (CID)
What the bank does
- activates the B0B scheme on the account
- confirms your CID
- activates your access to online banking for managing mandates
Duration
0–0 business days
[0/0 00:00] 00 000 000 000: 0. Confirmation of the mandate by the investor's bank
In SEPA B0B, the mandate must be confirmed by the debtor's (investor's) bank.
What the investor needs to do
- takes the mandate to his bank
- the bank verifies the identity and signature
- the bank registers the mandate in the SEPA B0B system
- the bank confirms the mandate to Commerzbank
Duration
0–0 business days, depending on the investor's bank.
[0/0 00:00] 00 000 000 000: 0. (Optional, but recommended)eur 0 test
For large amounts, banks recommend a technical test.
What happens
- you initiate a debit of EUR 0
- the investor's bank approves it
- the system is validated
Duration
0 day
[0/0 00:00] 00 000 000 000: 0. Initiation of the first real debit (investment tranche)
After confirming the mandate, you can initiate the debit.
What you do
- you log in to Commerzbank online banking
- create a SEPA B0B debit request
- enter the amount (e.g. EUR 00,000,000)
- enter the debit date
- authorize the transaction
What the investor's bank does
- checks the mandate
- checks the funds
- approves the debit
- transfers the money to Commerzbank
Duration
0 banking day
[0/0 00:00] 00 000 000 000: 0. The money arrives in your account at Commerzbank
After the debit is approved, the funds are transferred.
Duration
- on the same day, if the debit is initiated in the morning
- the next day, if it is initiated after the cut-off time
[0/0 00:00] 00 000 000 000:What can delay the process
- the investor's bank delays confirming the mandate
- the investor's bank requests additional documents
- the amount is very large and requires internal approvals
- additional AML checks
- the funds are not available in the investor's account