ISO 20022 · External code set

Return reason codes

Specifies the return reason, as published in an external return reason code list. External code sets can be downloaded from www.iso20022.org.

104 registered codesSource release: August 2026 (v3)Source details

Code setExternalReturnReason1Code

All 104 codes

Registered codes in ExternalReturnReason1Code. Select a code for its full definition and source details.
CodePublished name and definition
AC01Incorrect Account Number
Definition

Format of the account number specified is not correct

AC02Invalid Debtor Account Number
Definition

Debtor account number invalid or missing.

AC03Invalid Creditor Account Number
Definition

Wrong IBAN in SCT

AC04Closed Account Number
Definition

Account number specified has been closed on the bank of account's books

AC06Blocked Account
Definition

Account specified is blocked, prohibiting posting of transactions against it.

AC07Closed Creditor Account Number
Definition

Creditor account number closed.

AC13Invalid Debtor Account Type
Definition

Debtor account type is missing or invalid

AC14Invalid Agent
Definition

An agent in the payment chain is invalid.

AC15Account Details Changed
Definition

Account details have changed.

AC16Account In Sequestration
Definition

Account is in sequestration.

AC17Account In Liquidation
Definition

Account is in liquidation.

AG01Transaction Forbidden
Definition

Transaction forbidden on this type of account (formerly NoAgreement)

AG02Invalid Bank Operation Code
Definition

Bank Operation code specified in the message is not valid for receiver

AG07Unsuccesful Direct Debit
Definition

Debtor account cannot be debited for a generic reason. Usage: Code value may be used in general purposes and as a replacement for AM04 if debtor bank does not reveal its customer's insufficient funds for privacy reasons.

AGNTIncorrect Agent
Definition

Agent in the payment workflow is incorrect.

AM01Zero Amount
Definition

Specified message amount is equal to zero

AM02Not Allowed Amount
Definition

Specific transaction/message amount is greater than allowed maximum

AM03Not Allowed Currency
Definition

Specified message amount is an non processable currency outside of existing agreement

AM04Insufficient Funds
Definition

Amount of funds available to cover specified message amount is insufficient.

AM05Duplication
Definition

Duplication

AM06Too Low Amount
Definition

Specified transaction amount is less than agreed minimum.

AM07Blocked Amount
Definition

Amount specified in message has been blocked by regulatory authorities.

AM09Wrong Amount
Definition

Amount received is not the amount agreed or expected

AM10Invalid Control Sum
Definition

Sum of instructed amounts does not equal the control sum.

ARDTAlready Returned Transaction
Definition

Already returned original SCT

BE01Inconsistent With End Customer
Definition

Identification of end customer is not consistent with associated account number, organisation ID or private ID.

BE04Missing Creditor Address
Definition

Specification of creditor's address, which is required for payment, is missing/not correct (formerly IncorrectCreditorAddress).

BE05Unrecognised Initiating Party
Definition

Party who initiated the message is not recognised by the end customer

BE06Unknown End Customer
Definition

End customer specified is not known at associated Sort/National Bank Code or does no longer exist in the books

BE07Missing Debtor Address
Definition

Specification of debtor's address, which is required for payment, is missing/not correct.

BE08Bank Error
Definition

Returned as a result of a bank error.

BE10Invalid Debtor Country
Definition

Debtor country code is missing or invalid.

BE11Invalid Creditor Country
Definition

Creditor country code is missing or invalid.

BE16Invalid Debtor Identification Code
Definition

Debtor or Ultimate Debtor identification code missing or invalid.

BE17Invalid Creditor Identification Code
Definition

Creditor or Ultimate Creditor identification code missing or invalid.

CN01Authorisation Cancelled
Definition

Authorisation is cancelled.

CNORCreditor Bank Is Not Registered
Definition

Creditor bank is not registered under this BIC in the CSM

CNPCCash Not Picked Up
Definition

Cash not picked up by Creditor or cash could not be delivered to Creditor

CURRIncorrect Currency
Definition

Currency of the payment is incorrect

CUSTRequested By Customer
Definition

Cancellation requested by the Debtor

DC04No Customer Credit Transfer Received
Definition

Return of Covering Settlement due to the underlying Credit Transfer details not being received.

DNORDebtor Bank Is Not Registered
Definition

Debtor bank is not registered under this BIC in the CSM

DS28Return For Technical Reason
Definition

Return following technical problems resulting in erroneous transaction.

DT01Invalid Date
Definition

Invalid date (eg, wrong settlement date)

DT02Cheque Expired
Definition

Cheque has been issued but not deposited and is considered expired.

DT04Future Date Not Supported
Definition

Future date not supported.

DUPLDuplicate Payment
Definition

Payment is a duplicate of another payment.

ED01Correspondent Bank Not Possible
Definition

Correspondent bank not possible.

ED03Balance Info Request
Definition

Balance of payments complementary info is requested

ED05Settlement Failed
Definition

Settlement of the transaction has failed.

EMVLEMV Liability Shift
Definition

The card payment is fraudulent and was not processed with EMV technology for an EMV card.

ERINERI Option Not Supported
Definition

The Extended Remittance Information (ERI) option is not supported.

FF03Invalid Payment Type Information
Definition

Payment Type Information is missing or invalid. Generic usage if cannot specify Service Level or Local Instrument code.

FF04Invalid Service Level Code
Definition

Service Level code is missing or invalid.

FF05Invalid Local Instrument Code
Definition

Local Instrument code is missing or invalid

FF06Invalid Category Purpose Code
Definition

Category Purpose code is missing or invalid.

FF07Invalid Purpose
Definition

Purpose is missing or invalid.

FOCRFollowing Cancellation Request
Definition

Return following a cancellation request

FR01Fraud
Definition

Returned as a result of fraud.

FRTRFinal Response Mandate Cancelled
Definition

Final response/tracking is recalled as mandate is cancelled.

G004Credit Pending Funds
Definition

In a FIToFI Customer Credit Transfer: Credit to the creditor’s account is pending, status Originator is waiting for funds provided via a cover. Update will follow from the Status Originator.

MD01No Mandate
Definition

No Mandate

MD02Missing Mandatory Information In Mandate
Definition

Mandate related information data required by the scheme is missing.

MD05Collection Not Due
Definition

Creditor or creditor's agent should not have collected the direct debit.

MD06Refund Request By End Customer
Definition

Return of funds requested by end customer

MD07End Customer Deceased
Definition

End customer is deceased.

MS02Not Specified Reason Customer Generated
Definition

Reason has not been specified by end customer

MS03Not Specified Reason Agent Generated
Definition

Reason has not been specified by agent.

NARRNarrative
Definition

Reason is provided as narrative information in the additional reason information.

NOASNo Answer From Customer
Definition

No response from Beneficiary

NOCMNot Compliant
Definition

Customer account is not compliant with regulatory requirements, for example FICA (in South Africa) or any other regulatory requirements which render an account inactive for certain processing.

NOORNo Original Transaction Received
Definition

Original SCT never received

PINLPIN Liability Shift
Definition

The card payment is fraudulent (lost and stolen fraud) and was processed as EMV transaction without PIN verification.

RC01Bank Identifier Incorrect
Definition

Bank Identifier code specified in the message has an incorrect format (formerly IncorrectFormatForRoutingCode).

RC03Invalid Debtor Bank Identifier
Definition

Debtor bank identifier is invalid or missing.

RC04Invalid Creditor Bank Identifier
Definition

Creditor bank identifier is invalid or missing.

RC07Invalid Creditor BIC Identifier
Definition

Incorrrect BIC of the beneficiary Bank in the SCTR

RC08Invalid Clearing System Member Identifier
Definition

ClearingSystemMemberidentifier is invalid or missing. Generic usage if cannot specify between debit or credit account.

RC11Invalid Intermediary Agent
Definition

Intermediary Agent is invalid or missing.

RF01Not Unique Transaction Reference
Definition

Transaction reference is not unique within the message.

RR01Missing Debtor Account Or Identification
Definition

Specification of the debtor’s account or unique identification needed for reasons of regulatory requirements is insufficient or missing

RR02Missing Debtor Name Or Address
Definition

Specification of the debtor’s name and/or address needed for regulatory requirements is insufficient or missing.

RR03Missing Creditor Name Or Address
Definition

Specification of the creditor’s name and/or address needed for regulatory requirements is insufficient or missing.

RR04Regulatory Reason
Definition

Regulatory Reason

RR05Regulatory Information Invalid
Definition

Regulatory or Central Bank Reporting information missing, incomplete or invalid.

RR06Tax Information Invalid
Definition

Tax information missing, incomplete or invalid.

RR07Remittance Information Invalid
Definition

Remittance information structure does not comply with rules for payment type.

RR08Remittance Information Truncated
Definition

Remittance information truncated to comply with rules for payment type.

RR09Invalid Structured Creditor Reference
Definition

Structured creditor reference invalid or missing.

RR11Invalid Debtor Agent Service Identification
Definition

Invalid or missing identification of a bank proprietary service.

RR12Invalid Party Identification
Definition

Invalid or missing identification required within a particular country or payment type.

RUTAReturn Upon Unable To Apply
Definition

Return following investigation request and no remediation possible.

SL01Specific Service Offered By Debtor Agent
Definition

Due to specific service offered by the Debtor Agent

SL02Specific Service Offered By Creditor Agent
Definition

Due to specific service offered by the Creditor Agent

SL11Creditor Not On Whitelist Of Debtor
Definition

Whitelisting service offered by the Debtor Agent; Debtor has not included the Creditor on its “Whitelist” (yet). In the Whitelist the Debtor may list all allowed Creditors to debit Debtor bank account.

SL12Creditor On Blacklist Of Debtor
Definition

Blacklisting service offered by the Debtor Agent; Debtor included the Creditor on his “Blacklist”. In the Blacklist the Debtor may list all Creditors not allowed to debit Debtor bank account.

SL13Maximum Number Of Direct Debit Transactions Exceeded
Definition

Due to Maximum allowed Direct Debit Transactions per period service offered by the Debtor Agent.

SL14Maximum Direct Debit Transaction Amount Exceeded
Definition

Due to Maximum allowed Direct Debit Transaction amount service offered by the Debtor Agent.

SP01Payment Stopped
Definition

Payment is stopped by account holder.

SP02Previously Stopped
Definition

Previously stopped by means of a stop payment advise.

SVNRService Not Rendered
Definition

The card payment is returned since a cash amount rendered was not correct or goods or a service was not rendered to the customer, e.g. in an e-commerce situation.

TM01Cut Off Time
Definition

Associated message was received after agreed processing cut-off time.

TRACRemoved From Tracking
Definition

Return following direct debit being removed from tracking process.

UPAYUndue Payment
Definition

Payment is not justified.

Message references 59

Versions listed in the source workbook, including older versions. This list does not establish which messages a bank, network or provider supports.

  • camt.054.001.13Bank To Customer Debit Credit Notification V13
  • camt.053.001.04Bank To Customer Statement V04
  • camt.054.001.03Bank To Customer Debit Credit Notification V03
  • camt.054.001.10Bank To Customer Debit Credit Notification V10
  • camt.053.001.14Bank To Customer Statement V14
  • camt.054.001.14Bank To Customer Debit Credit Notification V14
  • camt.052.001.05Bank To Customer Account Report V05
  • camt.054.001.12Bank To Customer Debit Credit Notification V12
  • pacs.004.001.02Payment Return V02
  • camt.052.001.04Bank To Customer Account Report V04
  • camt.054.001.11Bank To Customer Debit Credit Notification V11
  • camt.053.001.02Bank To Customer Statement V02
  • trck.002.001.03Payment Status Tracker Report V03
  • trck.004.001.04Payment Status Customer Tracker Report V04
  • camt.054.001.09Bank To Customer Debit Credit Notification V09
  • camt.052.001.12Bank To Customer Account Report V12
  • camt.054.001.08Bank To Customer Debit Credit Notification V08
  • trck.002.001.04Payment Status Tracker Report V04
  • camt.053.001.09Bank To Customer Statement V09
  • trck.004.001.03Payment Status Customer Tracker Report V03
  • camt.052.001.08Bank To Customer Account Report V08
  • camt.052.001.09Bank To Customer Account Report V09
  • camt.052.001.06Bank To Customer Account Report V06
  • pacs.004.001.09Payment Return V09
  • camt.054.001.06Bank To Customer Debit Credit Notification V06
  • pacs.004.001.12Payment Return V12
  • pacs.004.001.03Payment Return V03
  • camt.053.001.07Bank To Customer Statement V07
  • camt.052.001.07Bank To Customer Account Report V07
  • camt.052.001.11Bank To Customer Account Report V11
  • camt.053.001.13Bank To Customer Statement V13
  • trck.001.001.04Payment Status Tracker Update V04
  • camt.052.001.10Bank To Customer Account Report V10
  • camt.053.001.10Bank To Customer Statement V10
  • pacs.004.001.07Payment Return V07
  • pacs.004.001.11Payment Return V11
  • camt.053.001.08Bank To Customer Statement V08
  • camt.054.001.07Bank To Customer Debit Credit Notification V07
  • pacs.004.001.10Payment Return V10
  • pacs.004.001.04Payment Return V04
  • camt.052.001.14Bank To Customer Account Report V14
  • pacs.004.001.15Payment Return V15
  • camt.052.001.13Bank To Customer Account Report V13
  • camt.052.001.03Bank To Customer Account Report V03
  • camt.054.001.04Bank To Customer Debit Credit Notification V04
  • pacs.004.001.08Payment Return V08
  • pacs.004.001.05Payment Return V05
  • camt.052.001.02Bank To Customer Account Report V02
  • camt.053.001.12Bank To Customer Statement V12
  • camt.053.001.06Bank To Customer Statement V06
  • camt.054.001.02Bank To Customer Debit Credit Notification V02
  • camt.053.001.11Bank To Customer Statement V11
  • camt.053.001.03Bank To Customer Statement V03
  • pacs.004.001.14Payment Return V14
  • camt.054.001.05Bank To Customer Debit Credit Notification V05
  • trck.001.001.05Payment Status Tracker Update V05
  • camt.053.001.05Bank To Customer Statement V05
  • pacs.004.001.13Payment Return V13
  • pacs.004.001.06Payment Return V06

Source: UsageInMsgs sheet in 2Q2026_externalcodesets_v3.xlsx.