An “ADIS” label appears on your bank statement, without any further explanation. The amount is deducted, the account is debited, and the only indication available is this four-letter acronym. To understand what is happening behind this line, you need to examine three elements: the identity of the creditor, the type of contract attached, and the technical references of the SEPA mandate that authorizes the debit.
RUM and ICS: the two codes that identify an ADIS debit on a statement
Most articles on the subject advise to “contact ADIS” or “check your contracts.” This advice remains vague until you know where to look. Two technical identifiers allow you to quickly determine the legitimacy of a SEPA debit.
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| Identifier | Full Name | Where to Find It | What It Is Used For |
|---|---|---|---|
| ICS | SEPA Creditor Identifier | Transaction details in the bank’s online space | Confirms that the creditor is indeed ADIS (AXA/AGIPI subsidiary) |
| RUM | Unique Mandate Reference | SEPA mandate signed when subscribing to the contract | Links the debit to a specific contract (life insurance, provident plan, retirement savings) |
By cross-referencing the ICS displayed on the statement with the RUM kept in your contractual documents, you can determine in a few minutes whether the debit corresponds to a mandate you signed. If the ICS does not match any known creditor or if the RUM is untraceable, the debit can be disputed with your bank.
You will find detailed explanations about the ADIS bank debit to trace each verification step.
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ADIS in the payment chain: a management subsidiary, not just a label
ADIS is not a generic name. It is a management entity linked to the AXA group and the AGIPI association. Its role is to manage the financial flows related to several categories of contracts: life insurance, retirement savings plans, provident insurance, and borrower insurance.
The label “ADIS” on a bank statement means that the debit is processed by this manager, even if the contract was subscribed through an AXA advisor, a broker, or directly with AGIPI. This distinction is the source of confusion: the client thinks they are dealing with AXA, but the displayed SEPA creditor is ADIS.
Life insurance and retirement savings contracts
The most frequent debits correspond to periodic contributions on a life insurance contract or a retirement savings plan. The amount and frequency (monthly, quarterly, annually) depend on the conditions set at subscription. A regular ADIS debit, always of the same amount, usually points to this type of contract.
Borrower insurance and provident insurance
An ADIS debit can also be linked to borrower insurance subscribed during a mortgage, or to a provident contract covering work incapacity and death. These contracts generate recurring debits that persist as long as the loan is active or the coverage is in effect.
Disputed ADIS debit: SEPA deadlines and the impact of the Lemoine law
SEPA regulations set precise deadlines for disputing a debit. Two scenarios arise:
- Authorized but disputed debit: the account holder has eight weeks from the debit to request a refund from their bank, without having to justify their request.
- Unauthorized debit (no signed SEPA mandate): the dispute period extends to thirteen months after the debit. The bank must refund within one business day after receiving the request.
- In both cases, the request is made to the bank’s customer service, in writing or via the online space. The ADIS creditor is notified at a later stage.
These deadlines are those of the European SEPA framework. They apply regardless of the type of contract that originated the debit.
Lemoine law and borrower insurance
For ADIS debits related to borrower insurance, the Lemoine law has changed the game. Termination and substitution of borrower insurance are possible at any time, without waiting for the contract anniversary date. A recurring ADIS debit linked to a mortgage can therefore be an opportunity to compare offers and, if necessary, change contracts to reduce the premium.
Check an ADIS debit in the AXA or AGIPI customer area
The online customer area of AXA or the AGIPI portal allows you to find all active contracts and the associated debit schedules. The concrete process involves three checks:
- Log in to the customer area and check the “my contracts” section to list the ongoing products (life insurance, provident insurance, retirement savings, borrower).
- Compare the amount and date of the debit displayed on the bank statement with the schedule indicated in the customer area.
- If no active contract matches, contact the ADIS customer service by providing the ICS and RUM of the debit to obtain the exact origin of the debit.
If a satisfactory response is not received, recourse goes through the insurance mediator or by opposing the SEPA mandate directly with the bank.
An identified ADIS debit linked to a known contract presents no anomalies. The useful reflex remains to cross-check the ICS from the statement with the RUM from the signed mandate before any dispute action. For borrower insurance contracts, the possibility of permanent termination offered by the Lemoine law transforms a simple statement check into a lever for savings on the total cost of credit.