[lxgr]

> Jokes aside, you're probably wrong.

What GP says is accurate.

> Do you mean that if I know a German bank account number I can just withdraw money for me?

You most likely can't, because if you have to ask this you don't have an agreement with a SEPA Direct Debit originating bank that lets you :)

And even if you decide to open one now: Given the risks involved for the originating bank, they will heavily scrutinize your business case and demand considerable collateral and/or payout time limits.