SEPA reason codes

Learn about SEPA reason codes

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

SEPA credit transfer reason codes

CodeDescriptionDefinitionApplicable operations
AC01Incorrect account numberAccount identifier invalid or incorrect (i.e., invalid IBAN or account number does not exist)- Reject
- Return
AC03Invalid creditor account numberWrong unique identifier of the beneficiary accountRFRO
AC04Closed account numberAccount closed- Return
- Negative answer to recall / RFRO
AC06Blocked accountAccount blockedReturn
ACNRAccepted claim non-receiptInter-PSP positive response to claim non-receiptPositive answer to claim non-receipt
ACVAAccepted value date adjustmentInter-PSP positive response to claim for value date correctionPositive answer to claim for value date correction
AG01Transaction forbiddenCredit transfer forbidden on this account (e.g., savings account)Return
AG02Invalid bank operation codeOperation code / transaction code incorrect or invalid file format- Reject
- Return
AM04Insufficient fundsInsufficient funds on the accountNegative answer to recall / RFRO
AM05DuplicationDuplicate payment- Reject
- Return
AM09Wrong amountWrong amountRFRO
ARDTTransaction already returnedAlready returned transaction- Negative answer to recall / RFRO
- Negative answer to claim non receipt
ARJTAlready rejected transactionAlready rejected transactionNegative answer to claim non receipt
BE04Missing creditor addressAccount address invalidReturn
CERICheck ERIThe credit transfer is not tagged as an extended remittance information (ERI) transaction but contains ERIReject
CNORCreditor bank is not registeredBeneficiary PSP is not registered under this BIC in the CSM- Reject
- Return
CUSTRequested by customerBy request of the originator without any reason specified or refusal by the beneficiary- RFRO
- Negative answer to recall / RFRO
CVAACorrect value date already appliedInter-PSP negative response to claim for value date correctionNegative answer to claim for value date correction
DNORDebtor bank is not registeredOriginator PSP is not registeredReject
DUPLDuplicate paymentDuplicate paymentRecall
ED05Settlement failedSettlement failedReject
ERINERI option not supportedExtended remittance information (ERI) option is not supported- Reject
- Return
FF01Invalid file formatOperation / transaction code incorrect or invalid file formatReject
FOCRFollowing cancellation requestPositive answer to the recallPositive answer to recall / RFRO
FRADFraudulent originFraudulent originated credit transferRecall
LEGLLegal decisionLegal reasonsNegative answer to recall / RFRO
MD07End customer deceasedBeneficiary deceasedReturn
MODIModified as per requestInter-PSP confirmed positive response to claim for value date correctionPositive answer to claim for value date correction
MS02Not specified reason customer generatedBy order of the beneficiaryReturn
MS03Not specified reason agent generatedReason not specified- Reject
- Return
NERINo ERIPayment tagged as an extended remittance information (ERI) transaction does not contain ERIReject
NOASNo answer from customerNo response from beneficiaryNegative answer to recall / RFRO
NOORNo original transaction receivedOriginal payment not received- Negative answer to recall / RFRO
- Negative answer to claim non receipt
RC01Bank identifier incorrectPSP identifier incorrect (i.e., invalid BIC)- Reject
- Return
RJNRRejected claim non-receiptInter-PSP negative response to claim non-receiptNegative answer to claim non receipt
RJVARejected value date adjustmentInter-PSP negative response to claim for value date correctionNegative answer to claim for value date correction
RNPROriginal transaction received but not processableOriginal transaction received but not ProcessableNegative answer to SCT inquiry
RR01Missing debtor account or identificationRegulatory reason- Reject
- Return
RR02Missing debtor name or addressRegulatory reason- Reject
- Return
RR03Missing creditor name or addressRegulatory reason- Reject
- Return
RR04Regulatory reasonRegulatory reason- Reject
- Return
TECHTechnical problemTechnical problems resulting in erroneous paymentsRecall
TM01Invalid cut-off timeFile received after cut-off timeReject

SEPA instant credit transfer reason codes

CodeNameDefinitionApplicable operations
AB05Timeout creditor agentTransaction stopped due to timeout at the creditor agentReject
AB06Timeout instructed agentTransaction stopped due to timeout at the instructed agentReject
AB07Offline agentAgent of message is not online. Generic usage if it cannot be determined which agent is not onlineReject
AB08Offline creditor agentCreditor agent is not onlineReject
AB09Error creditor agentTransaction stopped due to error at the creditor agentReject
AB10Error instructed agentTransaction stopped due to error at the instructed agentReject
AC01Incorrect account numberAccount identifier invalid or incorrect (i.e., invalid IBAN or account number does not exist)- Reject
- Return
AC03Invalid creditor account numberWrong unique identifier of the beneficiary accountRFRO
AC04Closed account numberAccount closed- Reject
- Negative answer to recall / RFRO
AC06Blocked accountAccount blockedReject
AG01Transaction forbiddenCredit transfer forbidden on this account (e.g., savings account)Reject
AG02Invalid bank operation codeOperation code / transaction code incorrect or invalid file formatReject
AG09Payment not receivedOriginal payment not receivedReject
AG10Agent suspendedAgent of message is suspended from the real-time payment systemReject
AG11Creditor agent suspendedCreditor agent of message is suspended from the real-time payment systemReject
AM02Not allowed amountAmount exceeds the maximum authorized amount for SEPA instant credit transfersReject
AM04Insufficient fundsInsufficient funds on the accountNegative answer to recall / RFRO
AM05DuplicationDuplicate paymentReject
AM09Wrong amountWrong amountRFRO
AM23Amount exceeds settlement limitTransaction amount exceeds settlement limitReject
ARDTTransaction has already been returnedAlready returned transactionNegative answer to recall / RFRO
BE04Missing creditor addressAccount address invalidReject
CNORCreditor bank is not registeredBeneficiary PSP is not registered under this BIC in the CSMReject
CUSTRequested by customerBy request of the originator without any reason specified or refusal by the beneficiary- RFRO
- Negative answer to recall / RFRO
DNORDebtor bank is not registeredOriginator PSP is not registeredReject
DUPLDuplicate paymentDuplicate sendingRecall
FF01Invalid file formatOperation / transaction code incorrect or invalid file formatReject
FOCRFollowing cancellation requestPositive answer to the recallPositive answer to recall / RFRO
FRADFraudulent originFraudulent originated credit transferRecall
LEGLLegal decisionLegal reasonsNegative answer to recall / RFRO
MD07End customer deceasedBeneficiary deceasedReject
MS02Not specified reason customer generatedBy order of the beneficiaryReject
MS03Not specified reason agent generatedReason not specifiedReject
NOASNo answer from customerNo response from beneficiaryNegative answer to recall / RFRO
NOORNo original transaction receivedOriginal credit transfer not receivedNegative answer to recall / RFRO
RC01Bank identifier incorrectPSP identifier incorrect (i.e., invalid BIC)Reject
RR01Missing debtor account or identificationRegulatory reasonReject
RR02Missing debtor name or addressRegulatory reasonReject
RR03Missing creditor name or addressRegulatory reasonReject
RR04Regulatory reasonRegulatory reasonReject
TECHTechnical problemTechnical problems resulting in erroneous SEPA instant credit transfer transactionsRecall
TM01Invalid cut-off timeFile received after cut-off timeReject

SEPA direct debit reason codes

Code

Name

Definition

Applicable operations

AC01

Incorrect account number

Account identifier incorrect (i.e., invalid IBAN of the debtor)

  • Reject
    - Return

AC04

Closed account number

Account closed

  • Reject
    - Return

AC06

Blocked account

Account blocked

  • Reject
    - Return

AC13

Invalid debtor account type

Debtor account is a consumer account, for SDD B2B collections only

  • Reject
    - Return

AG01

Transaction forbidden

Direct debit forbidden on this account for regulatory reasons

Return

AG02

Invalid bank operation code

Operation code / transaction code / sequence type incorrect or invalid file format

  • Reject
    - Return

AM04

Insufficient funds

Insufficient funds on the account

  • Reject
    - Return

AM05

Duplication

Duplicate collection

  • Reject
    - Return
    - Reversal

BE05

Unrecognised initiating party

Identifier of the creditor Incorrect

  • Reject
    - Return

CNOR

Creditor bank is not registered

Creditor PSP is not registered under this BIC in the CSM

Reject

DNOR

Debtor bank is not registered

Debtor PSP is not registered

Reject

ED05

Settlement failed

Settlement of the collection failed

Reject

FF01

Invalid file format

Invalid file format

Reject

MD01

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
  • Reject
    - Return
    - Refund

MD02

Missing mandatory mandate information

Mandate data missing or incorrect.

Reject

MD06

Refund request by end customer

Disputed authorized transaction, for SDD core collections only

Refund

MD07

End customer deceased

Debtor deceased

  • Reject
    - Return

MS02

Not specified reason customer generated

Refusal by the debtor

  • Reject
    - Return
    - Refund
    - Reversal

MS03

Not specified reason agent generated

Reason not specified

  • Reject
    - Return
    - Reversal

RC01

Bank identifier incorrect

PSP identifier incorrect (i.e., invalid BIC)

  • Reject
    - Return

RR01

Missing debtor account or identification

Regulatory reason

  • Reject
    - Return

RR02

Missing debtor name or address

Regulatory reason

  • Reject
    - Return

RR03

Missing creditor name or address

Regulatory reason

  • Reject
    - Return

RR04

Regulatory reason

Regulatory reason

  • Reject
    - Return

SL01

Specific service offered by debtor agent

Due to specific service offered by the debtor PSP

  • Reject
    - Return