Transfer of Direct Debits and Standing Orders service

What is the Transfer of Direct Debits and Standing Orders service?

The Transfer of Direct Debits and Standing Orders service (ToDDaSO) is part of the account switching service. It is the process by which any Direct Debits and/or Standing Orders on a customer's old account are transferred to their new account.

How does it work?

Below is a summary of the various steps involved in the ToDDaSO process. For full details of the procedures involved see section 12 of The Paying Banks Guide and Rules to the Direct Debit Scheme. Access to the Rules online is only available to registered users, to gain access use the login button at the top right of this page. If you haven't yet registered for your password consider doing so now.

The new bank:

• New bank - requests a list of all the Direct Debits and Standing Orders paid from the customers old bank account
• Old bank - provides all details of all active Direct Debits and Standing Orders on the customer account upon request
• New bank - obtains the customer agreement to the list of the Direct Debits and Standing Orders which will be transferred
• New bank - advises the organisations collecting the Direct Debit payments, via ADDACS, of the new account details and sets up any agreed Standing Orders on the new account in time for the transfer date
• New bank - advises the customer's old bank to cancel the Direct Debits and Standing Orders at the appropriate time
• Old bank - ensures all payment instructions are cancelled on the request of the new paying bank or from the customer directly and generates an electronic ADDACS cancellation/closure advice for each Direct Debit transferred

Banks looking for information about account switching when they are operating as a service user should refer to the account switching information on the business channel of this website.