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</html><description>The SEPA Creditor Identifier (ICS) is a unique reference number that identifies each direct debit issuer. In France, it consists of 13 alphanumeric characters, the first two of which represent the ISO country code (FR for France). Having an ICS is a mandatory requirement for making direct debits. The creditor must apply to their bank [&hellip;]</description></oembed>
