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A HANDBOOK ON FORMING SELF-HELP GROUPS (SHGs): National Bank for Agriculture and Rural Development

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In Germany, credit transfers have traditionally been the predominant form of payment transaction. However, their share of the total volume of payment transactions has decreased in recent years because more suitable payment instruments, especially direct debits, are being used for certain purposes (eg for the collection of identical payments due on a regular basis). For payments recurring on a regular basis (eg rent payments) the bank customer also has the possibility of giving his bank instructions to set up a standing order; this bank is then responsible for monitoring the timely execution of transfers (eg on the last day of.