If you have an app, you'll notice immediately that a payment bounced, via notification. If not, you'll get a letter informing you that it bounced. Also: it tak

If you have an app, you'll notice immediately that a payment bounced, via notification. If not, you'll get a letter informing you that it bounced. Also: it takes A LOT of letters and court orders for them to cut your utilities. I'm not joking, it's more than a couple of Mahnungs, then it goes to debt collection, then it goes to court. The court will then take the money out of your account. That's all before power gets cut. It definitely won't be because of a single missed payment. Even in the situation above: if your in-laws somehow had no balance "at once on day x" because of a fake SEPA, they would be able to reverse via app, or go to the bank and reverse.