SEPA reason codes

SEPA rulebooks mandate the reasons and corresponding reason codes that must be used to reject payments or send returns.

SEPA credit transfer reason codes

Code	Applicable operation	Name	Definition
`AC01`	Reject, Return	Incorrect Account Number	Account identifier invalid or incorrect (i.e. invalid IBAN or account number does not exist).
`AC03`	RFRO	Invalid Creditor Account Number	Wrong unique identifier of the Beneficiary account.
`AC04`	Return, Negative answer to Recall/RFRO	Closed Account Number	Account closed.
`AC06`	Return	Blocked Account	Account blocked.
`ACNR`	Positive answer to Claim non receipt	Accepted Claim NonReceipt	Inter-PSP positive response to Claim Non-Receipt.
`ACVA`	Positive answer to Claim for value date correction	Accepted Value Date Adjustment	Inter-PSP positive response to Claim for Value Date Correction.
`AG01`	Return	Transaction Forbidden	Credit transfer forbidden on this account (e.g., savings account).
`AG02`	Reject, Return	Invalid Bank Operation Code	Operation code/ transaction code incorrect, invalid file format.
`AM04`	Negative answer to Recall/RFRO	Insufficient Funds	Insufficient funds on the account.
`AM05`	Reject, Return	Duplication	Duplicate payment.
`AM09`	RFRO	Wrong Amount	Wrong amount.
`ARDT`	Negative answer to Recall/RFRO, Negative answer to Claim non receipt	The Transaction Has Already Been Returned	Already returned transaction.
`ARJT`	Negative answer to Claim non receipt	Already Rejected Transaction	Already rejected transaction.
`BE04`	Return	Missing Creditor Address	Account address invalid.
`CERI`	Reject	Check ERI	The credit transfer is not tagged as an Extended Remittance Information (ERI) transaction but contains ERI.
`CNOR`	Reject, Return	Creditor Bank Is Not Registered	Beneficiary PSP is not registered under this BIC in the CSM.
`CUST`	RFRO, Negative answer to Recall/RFRO	Requested By Customer	By request of the Originator without any reason specified. Or Refusal by the Beneficiary.
`CVAA`	Negative answer to Claim for value date correction	Correct Value Date Already Applied	Inter-PSP negative response to Claim for Value Date Correction.
`DNOR`	Reject	Debtor Bank Is Not Registered	Originator PSP is not registered
`DUPL`	Recall	Duplicate Payment	Duplicate Sending.
`ED05`	Reject	Settlement Failed	Settlement of the SEPA Credit Transfer failed.
`ERIN`	Reject, Return	ERI Option Not Supported	The Extended Remittance Information (ERI) option is not supported.
`FF01`	Reject	Invalid File Format	Operation/ transaction code incorrect, invalid file format.
`FOCR`	Positive answer to Recall/RFRO	Following Cancellation Request	Positive answer to the Recall.
`FRAD`	Recall	Fraudulent Origin	Fraudulent originated credit transfer.
`LEGL`	Negative answer to Recall/RFRO	Legal Decision	Legal reasons.
`MD07`	Return	End Customer Deceased	Beneficiary deceased.
`MODI`	Positive answer to Claim for value date correction	Modified As Per Request	Inter-PSP confirmed positive response to Claim for Value Date Correction.
`MS02`	Return	Not Specified Reason Customer Generated	By order of the Beneficiary.
`MS03`	Reject, Return	Not Specified Reason Agent Generated	Reason not specified.
`NERI`	Reject	No ERI	The SEPA Credit Transfer is tagged as an Extended Remittance Information (ERI) transaction but does not contain ERI.
`NOAS`	Negative answer to Recall/RFRO	No Answer From Customer	No response from Beneficiary.
`NOOR`	Negative answer to Recall/RFRO,Negative answer to Claim non receipt	No Original Transaction Received	Original Credit Transfer never received.
`RC01`	Reject, Return	Bank Identifier Incorrect	PSP identifier incorrect (i.e. invalid BIC).
`RJNR`	Negative answer to Claim non receipt	Rejected Claim NonReceipt	Inter-PSP negative response to Claim Non-Receipt.
`RJVA`	Negative answer to Claim for value date correction	Rejected Value Date Adjustment	Inter-PSP negative response to Claim for Value Date Correction.
`RNPR`	Negative answer to SCT Inquiry	Original Transaction Received but Not Processable	Original Transaction Received but Not Processable.
`RR01`	Reject, Return	Missing Debtor Account Or Identification	Regulatory Reason.
`RR02`	Reject, Return	Missing Debtor’s Name Or Address	Regulatory Reason.
`RR03`	Reject, Return	Missing Creditor’s Name Or Address	Regulatory Reason.
`RR04`	Reject, Return	Regulatory Reason	Regulatory Reason.
`TECH`	Recall	Technical Problem	Technical problems resulting in erroneous SCTs.
`TM01`	Reject	Cut Off Time	File received after Cut-off Time.

SEPA instant credit transfer reason codes

Code	Applicable operation	Name	Definition
`AB05`	Reject	Timeout Creditor Agent	Transaction stopped due to timeout at the Creditor Agent.
`AB06`	Reject	Timeout Instructed Agent	Transaction stopped due to timeout at the Instructed Agent.
`AB07`	Reject	Offline Agent	Agent of message is not online. Generic usage if it cannot be determined who exactly is not online.
`AB08`	Reject	Offline Creditor Agent	Creditor Agent is not online.
`AB09`	Reject	Error Creditor Agent	Transaction stopped due to error at the Creditor Agent.
`AB10`	Reject	Error Instructed Agent	Transaction stopped due to error at the Instructed Agent.
`AC01`	Reject, Return	Incorrect Account Number	Account identifier invalid or incorrect (i.e. invalid IBAN or account number does not exist).
`AC03`	RFRO	Invalid Creditor Account Number	Wrong unique identifier of the Beneficiary account.
`AC04`	Negative answer to Recall/RFRO	Closed Account Number	Account closed.
`AC06`	Reject	Blocked Account	Account blocked.
`AG01`	Reject	Transaction Forbidden	Credit transfer forbidden on this account (e.g., savings account).
`AG02`	Reject	Invalid Bank Operation Code	Operation code/ transaction code incorrect, invalid file format.
`AG09`	Reject	Payment Not Received	Original payment never received
`AG10`	Reject	Agent Suspended	Agent of message is suspended from the Real Time Payment system
`AG11`	Reject	Creditor Agent Suspended	Creditor Agent of message is suspended from the Real Time Payment system.
`AM02`	Reject	Not Allowed Amount	Amount exceeds the maximum authorized amount for SCT Inst.
`AM04`	Negative answer to Recall/RFRO	Insufficient Funds	Insufficient funds on the account.
`AM05`	Reject	Duplication	Duplicate payment.
`AM09`	RFRO	Wrong Amount	Wrong amount.
`AM23`	Reject	Amount Exceeds Settlement Limit	Transaction amount exceeds settlement limit.
`ARDT`	Negative answer to Recall/RFRO	The Transaction Has Already Been Returned	Already returned transaction.
`BE04`	Reject	Missing Creditor Address	Account address invalid.
`CNOR`	Reject	Creditor Bank Is Not Registered	Beneficiary PSP is not registered under this BIC in the CSM.
`CUST`	RFRO, Negative answer to Recall/RFRO	Requested By Customer	By request of the Originator without any reason specified. Or Refusal by the Beneficiary.
`DNOR`	Reject	Debtor Bank Is Not Registered	Originator PSP is not registered
`DUPL`	Recall	Duplicate Payment	Duplicate Sending.
`FF01`	Reject	Invalid File Format	Operation/ transaction code incorrect, invalid file format.
`FOCR`	Positive answer to Recall/RFRO	Following Cancellation Request	Positive answer to the Recall.
`FRAD`	Recall	Fraudulent Origin	Fraudulent originated credit transfer.
`LEGL`	Negative answer to Recall/RFRO	Legal Decision	Legal reasons.
`MD07`	Reject	End Customer Deceased	Beneficiary deceased.
`MS02`	Reject	Not Specified Reason Customer Generated	By order of the Beneficiary.
`MS03`	Reject	Not Specified Reason Agent Generated	Reason not specified.
`NOAS`	Negative answer to Recall/RFRO	No Answer From Customer	No response from Beneficiary.
`NOOR`	Negative answer to Recall/RFRO	No Original Transaction Received	Original Credit Transfer never received.
`RC01`	Reject	Bank Identifier Incorrect	PSP identifier incorrect (i.e. invalid BIC).
`RR01`	Reject	Missing Debtor Account Or Identification	Regulatory Reason.
`RR02`	Reject	Missing Debtor’s Name Or Address	Regulatory Reason.
`RR03`	Reject	Missing Creditor’s Name Or Address	Regulatory Reason.
`RR04`	Reject	Regulatory Reason	Regulatory Reason.
`TECH`	Recall	Technical Problem	Technical problems resulting in erroneous SCT Inst transactions.
`TM01`	Reject	Cut Off Time	Time-out – maximum execution time has been exceeded

SEPA direct debit reason codes

Code	Applicable operation	Name	Definition
`AC01`	Reject, Return	Incorrect Account Number	Account Identifier incorrect (i.e. invalid IBAN of the Debtor).
`AC04`	Reject, Return	Closed Account Number	Account closed.
`AC06`	Reject, Return	Blocked Account	Account blocked.
`AC13`	Reject, Return	Invalid Debtor Account Type	Debtor account is a consumer account. (For SDD B2B collections only)
`AG01`	Return	Transaction Forbidden	Direct Debit forbidden on this account for regulatory reasons.
`AG02`	Reject, Return	Invalid Bank Operation Code	Operation code/ transaction code/ sequence type incorrect, invalid file format.
`AM04`	Reject, Return	Insufficient Funds	Insufficient funds on the account.
`AM05`	Reject, Return, Reversal	Duplication	Duplicate collection.
`BE05`	Reject, Return	Unrecognised Initiating Party	Identifier of the Creditor Incorrect.
`CNOR`	Reject	Creditor Bank Is Not Registered	Creditor PSP is not registered under this BIC in the CSM.
`DNOR`	Reject	Debtor Bank Is Not Registered	Debtor PSP is not registered
`ED05`	Reject	Settlement Failed	Settlement of the collection failed.
`FF01`	Reject	Invalid File Format	Invalid file format.
`MD01`	Reject, Return, Refund	No Mandate	- No valid mandate; (For SDD Core collections only) - No mandate or unable to obtain mandate confirmation from the Debtor; (For SDD B2B collections only) - Unauthorised transaction. (For Refunds of SDD Core collections only)
`MD02`	Reject	Missing Mandatory Mandate Information in Mandate	Mandate data missing or incorrect.
`MD06`	Refund	Refund Request By End Customer	Disputed authorized transaction. (For SDD Core collections only)
`MD07`	Reject, Return	End Customer Deceased	Debtor deceased.
`MS02`	Reject, Return, Reversal, Refund	Not Specified Reason Customer Generated	Refusal by the Debtor.
`MS03`	Reject, Return, Reversal	Not Specified Reason Agent Generated	Reason not specified.
`RC01`	Reject, Return	Bank Identifier Incorrect	PSP identifier incorrect (i.e. invalid BIC).
`RR01`	Reject, Return	Missing Debtor Account Or Identification	Regulatory Reason.
`RR02`	Reject, Return	Missing Debtor’s Name Or Address	Regulatory Reason.
`RR03`	Reject, Return	Missing Creditor’s Name Or Address	Regulatory Reason.
`RR04`	Reject, Return	Regulatory Reason	Regulatory Reason.
`SL01`	Reject, Return	Specific Service Offered By Debtor Agent	Due to specific service offered by the Debtor PSP.