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> your land lord reaches into your account using your bank account number and debits it, without you having to approve.

This is how many people pay for rent in Germany (and I strongly suspect elsewhere) as well.

If they take too much, you can get it back with a single click in your bank account.



Quite interesting. In Poland a lot of places have their bank number just on their website if you want to donate something, I don't think you can place a debit like that.


Bank accounts like that often have outgoing direct debits blocked to prevent fraud, as far as I know.

(I don't think there is a registry – this would simply be a bank-side setting to auto-decline all requested direct debits.)


My bank account number is also sometimes freely shared, so I think this is applied at national level (at least in case of Poland)




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