No, they don't take 13 months to clear. The idea is to protect the payer (the one losing money) from either their human error, or an unlawful debit. See https:

No, they don't take 13 months to clear. The idea is to protect the payer (the one losing money) from either their human error, or an unlawful debit. See https://www.europeanpaymentscouncil.eu/what-we-do/sepa-direct-debit https://www.europeanpaymentscouncil.eu/what-we-do/sepa-direc... .