Actually, in the first case, its not instantly take, instead it is marked as a "abgesicherte laschrift", which is equivalent to enter card+PIN, meaning you can'

Actually, in the first case, its not instantly take, instead it is marked as a "abgesicherte laschrift", which is equivalent to enter card+PIN, meaning you can't revoke those. Though, sure you can, but it will end up with nice discussions with your bank :)