Overview
If you fail to meet your financial obligations, a creditor or authority may initiate a third-party seizure. In this case, funds are taken from your account via our banking partner to recover outstanding debts.
A “Saisie Avis à Tiers Détenteur” (SATD) is a legally enforced seizure request issued to a third party (such as a bank).
‼️Important: This process is legally binding and not controlled by Accountable or our banking partner.
Will I be notified in advance?
In most cases, you will receive a notification before the seizure, for example:
By letter
By email
This notification is sent directly by the relevant authority or creditor.
Our banking partner can only provide the contact details and reference number of the authority, not the reason or documentation behind the seizure.
Possible reasons for a seizure:
A seizure request can be issued for various reasons, including:
Unpaid taxes or tax penalties
Loan repayments (e.g. car, personal, or student loans)
Mortgage payments
Child support obligations
Medical bills
Legal fees or fines
Court-ordered restitution
Other outstanding financial obligations
How can I recognize a seizure in my account?
A Seizure will appear in your account history and bank statements.
Typical indicators include:
An unfamiliar debit with a reference number
Transaction type labeled as an internal transfer
The receiving account labeled as “end-customer seizure” or similar
If you’re unsure, first verify whether it’s a legitimate seizure before assuming fraudulent activity.
How can I identify the responsible authority?
To identify the authority behind the seizure:
Check the transaction label (reference number, amount)
Compare it with any notifications (letters/emails) you’ve received
If you need help, you can always contact support.
What fees apply?
A seizure charge consists of two parts:
The seized amount
A handling fee
The handling fee is:
20% of the requested amount
Capped at €100
This fee is charged regardless of your account balance.
After deducting the fee, the remaining balance is transferred to the requesting authority.
‼️Important:
If your account balance is insufficient, only a partial amount will be transferred. You remain responsible for any remaining outstanding balance.
What should I do if I believe the seizure is incorrect?
If you believe the seizure was made in error, you must contact the authority that initiated the request.
Neither Accountable nor Swan can independently review or reverse the seizure.
Need help?
If you need assistance understanding a transaction or finding the relevant contact details, feel free to reach out to our support team; we’re here to help.🚀