Learn about SEPA reason codes
SEPA rulebooks mandate the reasons and corresponding reason codes that must be used to reject or return payments.
Custom reason codesIn addition to the reason codes listed on this page, banks may define and use their own custom reason codes. Contact your bank to get the list of custom reason codes they use.
SEPA credit transfer reason codes
| Code | Description | Definition | Applicable operations |
|---|---|---|---|
AC01 | Incorrect account number | Account identifier invalid or incorrect (i.e., invalid IBAN or account number does not exist) | - Reject - Return |
AC03 | Invalid creditor account number | Wrong unique identifier of the beneficiary account | RFRO |
AC04 | Closed account number | Account closed | - Return - Negative answer to recall / RFRO |
AC06 | Blocked account | Account blocked | Return |
ACNR | Accepted claim non-receipt | Inter-PSP positive response to claim non-receipt | Positive answer to claim non-receipt |
ACVA | Accepted value date adjustment | Inter-PSP positive response to claim for value date correction | Positive answer to claim for value date correction |
AG01 | Transaction forbidden | Credit transfer forbidden on this account (e.g., savings account) | Return |
AG02 | Invalid bank operation code | Operation code / transaction code incorrect or invalid file format | - Reject - Return |
AM04 | Insufficient funds | Insufficient funds on the account | Negative answer to recall / RFRO |
AM05 | Duplication | Duplicate payment | - Reject - Return |
AM09 | Wrong amount | Wrong amount | RFRO |
ARDT | Transaction already returned | Already returned transaction | - Negative answer to recall / RFRO - Negative answer to claim non receipt |
ARJT | Already rejected transaction | Already rejected transaction | Negative answer to claim non receipt |
BE04 | Missing creditor address | Account address invalid | Return |
CERI | Check ERI | The credit transfer is not tagged as an extended remittance information (ERI) transaction but contains ERI | Reject |
CNOR | Creditor bank is not registered | Beneficiary PSP is not registered under this BIC in the CSM | - Reject - Return |
CUST | Requested by customer | By request of the originator without any reason specified or refusal by the beneficiary | - RFRO - Negative answer to recall / RFRO |
CVAA | Correct value date already applied | Inter-PSP negative response to claim for value date correction | Negative answer to claim for value date correction |
DNOR | Debtor bank is not registered | Originator PSP is not registered | Reject |
DUPL | Duplicate payment | Duplicate payment | Recall |
ED05 | Settlement failed | Settlement failed | Reject |
ERIN | ERI option not supported | Extended remittance information (ERI) option is not supported | - Reject - Return |
FF01 | Invalid file format | Operation / transaction code incorrect or invalid file format | Reject |
FOCR | Following cancellation request | Positive answer to the recall | Positive answer to recall / RFRO |
FRAD | Fraudulent origin | Fraudulent originated credit transfer | Recall |
LEGL | Legal decision | Legal reasons | Negative answer to recall / RFRO |
MD07 | End customer deceased | Beneficiary deceased | Return |
MODI | Modified as per request | Inter-PSP confirmed positive response to claim for value date correction | Positive answer to claim for value date correction |
MS02 | Not specified reason customer generated | By order of the beneficiary | Return |
MS03 | Not specified reason agent generated | Reason not specified | - Reject - Return |
NERI | No ERI | Payment tagged as an extended remittance information (ERI) transaction does not contain ERI | Reject |
NOAS | No answer from customer | No response from beneficiary | Negative answer to recall / RFRO |
NOOR | No original transaction received | Original payment not received | - Negative answer to recall / RFRO - Negative answer to claim non receipt |
RC01 | Bank identifier incorrect | PSP identifier incorrect (i.e., invalid BIC) | - Reject - Return |
RJNR | Rejected claim non-receipt | Inter-PSP negative response to claim non-receipt | Negative answer to claim non receipt |
RJVA | Rejected value date adjustment | Inter-PSP negative response to claim for value date correction | Negative answer to claim for value date correction |
RNPR | Original transaction received but not processable | Original transaction received but not Processable | Negative answer to SCT inquiry |
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 |
TECH | Technical problem | Technical problems resulting in erroneous payments | Recall |
TM01 | Invalid cut-off time | File received after cut-off time | Reject |
SEPA instant credit transfer reason codes
| Code | Name | Definition | Applicable operations |
|---|---|---|---|
AB05 | Timeout creditor agent | Transaction stopped due to timeout at the creditor agent | Reject |
AB06 | Timeout instructed agent | Transaction stopped due to timeout at the instructed agent | Reject |
AB07 | Offline agent | Agent of message is not online. Generic usage if it cannot be determined which agent is not online | Reject |
AB08 | Offline creditor agent | Creditor agent is not online | Reject |
AB09 | Error creditor agent | Transaction stopped due to error at the creditor agent | Reject |
AB10 | Error instructed agent | Transaction stopped due to error at the instructed agent | Reject |
AC01 | Incorrect account number | Account identifier invalid or incorrect (i.e., invalid IBAN or account number does not exist) | - Reject - Return |
AC03 | Invalid creditor account number | Wrong unique identifier of the beneficiary account | RFRO |
AC04 | Closed account number | Account closed | - Reject - Negative answer to recall / RFRO |
AC06 | Blocked account | Account blocked | Reject |
AG01 | Transaction forbidden | Credit transfer forbidden on this account (e.g., savings account) | Reject |
AG02 | Invalid bank operation code | Operation code / transaction code incorrect or invalid file format | Reject |
AG09 | Payment not received | Original payment not received | Reject |
AG10 | Agent suspended | Agent of message is suspended from the real-time payment system | Reject |
AG11 | Creditor agent suspended | Creditor agent of message is suspended from the real-time payment system | Reject |
AM02 | Not allowed amount | Amount exceeds the maximum authorized amount for SEPA instant credit transfers | Reject |
AM04 | Insufficient funds | Insufficient funds on the account | Negative answer to recall / RFRO |
AM05 | Duplication | Duplicate payment | Reject |
AM09 | Wrong amount | Wrong amount | RFRO |
AM23 | Amount exceeds settlement limit | Transaction amount exceeds settlement limit | Reject |
ARDT | Transaction has already been returned | Already returned transaction | Negative answer to recall / RFRO |
BE04 | Missing creditor address | Account address invalid | Reject |
CNOR | Creditor bank is not registered | Beneficiary PSP is not registered under this BIC in the CSM | Reject |
CUST | Requested by customer | By request of the originator without any reason specified or refusal by the beneficiary | - RFRO - Negative answer to recall / RFRO |
DNOR | Debtor bank is not registered | Originator PSP is not registered | Reject |
DUPL | Duplicate payment | Duplicate sending | Recall |
FF01 | Invalid file format | Operation / transaction code incorrect or invalid file format | Reject |
FOCR | Following cancellation request | Positive answer to the recall | Positive answer to recall / RFRO |
FRAD | Fraudulent origin | Fraudulent originated credit transfer | Recall |
LEGL | Legal decision | Legal reasons | Negative answer to recall / RFRO |
MD07 | End customer deceased | Beneficiary deceased | Reject |
MS02 | Not specified reason customer generated | By order of the beneficiary | Reject |
MS03 | Not specified reason agent generated | Reason not specified | Reject |
NOAS | No answer from customer | No response from beneficiary | Negative answer to recall / RFRO |
NOOR | No original transaction received | Original credit transfer not received | Negative answer to recall / RFRO |
RC01 | Bank identifier incorrect | PSP identifier incorrect (i.e., invalid BIC) | Reject |
RR01 | Missing debtor account or identification | Regulatory reason | Reject |
RR02 | Missing debtor name or address | Regulatory reason | Reject |
RR03 | Missing creditor name or address | Regulatory reason | Reject |
RR04 | Regulatory reason | Regulatory reason | Reject |
TECH | Technical problem | Technical problems resulting in erroneous SEPA instant credit transfer transactions | Recall |
TM01 | Invalid cut-off time | File received after cut-off time | Reject |
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 |
| - 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 |