[RandomLensman]

Banks don't need a SEPA mandate to allow a direct debit?

[germanier]

The SEPA mandate is between the parties in the transaction. While banks require their existence, it is usually not shared with the banks involved.

[RandomLensman]

So only a creditor ID is needed if someone has a set of IBANs and then things will be processed?

[germanier]

A creditor ID and a direct debit agreement with some bank, yes. After you have those, (usually) the banks won't verify individual transactions.