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A comment on Ask HN: Lost $10k as my email was hacked. Any ways to recover it?. Parent comment

Re:Ask HN: Lost $10k as my email was hacked. Any ways to rec... by runako on Friday October 26, 2018 @12:56PM (#18310990)
> Banking standards here in the EU impose a 13 months period during which the sender (order sender) can ask for a full refund

Is this really true? Do EU bank transactions really take 13 months to fully clear?

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Re:Ask HN: Lost $10k as my email was hacked. Any ways to rec... by moviuro on Friday October 26, 2018 @01:52PM (#18311431)
No, they don't take 13 months to clear. The idea is to protect the payer (the one losing money) from either their human error, or an unlawful debit.

See https://www.europeanpaymentscouncil.eu/what-we-do/sepa-direc... .

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Re:Ask HN: Lost $10k as my email was hacked. Any ways to rec... by dkersten on Friday October 26, 2018 @05:21PM (#18312797)
Is that for “direct debit” only or all transactions?
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