German direct debits (Lastschrift) are sort of amazing and magical (and scary) when they work.
But I just got remembered they can be expensive when they do not work.
I recently had a direct debit of ~100 EUR declined due to missing funds.
My bank charged me 0.68 EUR processing fee, the recipient (Deutscher Alpenverein) charged me 5.13 bank fee (Bankgebühr) and 2.50 processing fee (Bearbeitungsgebühr).
#Banks #Lastschrift #DeutscherAlpenverein