You are a Belgian, French or German cross-border worker employed in Luxembourg.
You (the debtor) pay the bills to your Luxembourg telecom operator (the creditor) by direct debit from your ING Luxembourg account. You also have a bank account in your country of residence, using this to pay – for example – the bills to your energy supplier.
Thanks to the European direct debit, you will also be able to pay bills to your energy supplier from your ING Luxembourg account. As a result, you will only need one single account to manage your direct debits in SEPA.