Dragningsrätter

Dragningsrätter is a Swedish term used primarily in financial and contractual contexts to denote rights to demand and obtain a withdrawal of money or other assets from another party under an agreed arrangement. The singular form, dragningsrätt, refers to such a right itself.

In banking and payments, the most common usage is through direct debit arrangements, where a creditor may draw funds from a debtor’s bank account with prior consent. A dragningsrätt can also apply to credit facilities, where a borrower is authorized to draw funds up to an approved limit as needed. Beyond banking, the concept may appear in investment funds, project budgeting, or supplier credit, where a party is granted a predefined right to withdraw capital or resources from a designated source.

The exercise of a dragningsrätt is governed by contract terms and applicable regulations. Key elements typically include the scope of withdrawals, limits and timing, notice requirements, and procedures for revocation or modification. Protection mechanisms and compliance requirements aim to prevent unauthorized withdrawals and fraud, while ensuring that both creditor and debtor obligations are clearly defined.

Etymology and usage: the term combines draga, to draw, with rätt, right. While most commonly encountered in financial contracts and payment arrangements, dragningsrätter can also arise in other contexts where a contractual right to draw on funds or resources is established.

See also: direct debit, line of credit, pre-authorized payments.