My IBAN has been refused, what can I do?

Reasons for a potential IBAN rejection:

  1. Input Error: First, verify that you have provided the correct IBAN. A simple mistake in a digit or letter can result in a rejection.
  2. Rejection of your Luxembourgish IBAN: Sometimes, certain creditors refuse non-French IBANs, even though this is illegal within the SEPA zone, which includes Luxembourg. If you experience IBAN discrimination, here are your options:
    • French residents: You can request a French IBAN directly from your online account. 
    • Using the Luxembourgish IBAN: If you do not want or are unable to obtain a French IBAN, you can remind your creditor that the law requires the acceptance of SEPA IBANs regardless of their country of issuance. You may cite the European regulation that prohibits this discrimination: link to the European regulation.

If the issue persists, you may consider contacting the Defender of Rights.

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