Not always. If a firm wants to avoid that, it's not too hard to do so - it's got to make sure that the transfer was customer initiated, because those aren't necessarily reversible. There are other exceptions too, some of which are probably regional, non-EU-wide. SEPA isn't implemented identically across the EU, incidentally, so not just are the rules locally interpreted, the tech is too; so none of this is quite as simple as it seems it should be.
And then of course there's the fact that reversing charges doesn't change legal liabilities, so this isn't a protection you can rely on if the receiver feels they're in the right and are willing to take (sometimes fairly simple) legal steps.
It's definitely still a nice protection to have, since at least it places some burden of proof on the recipient.
And then of course there's the fact that reversing charges doesn't change legal liabilities, so this isn't a protection you can rely on if the receiver feels they're in the right and are willing to take (sometimes fairly simple) legal steps.
It's definitely still a nice protection to have, since at least it places some burden of proof on the recipient.