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.
Code setExternalReturnReason1Code
All 104 codes
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| Code | Published name and definition |
|---|---|
AC01 | Incorrect Account NumberDefinitionFormat of the account number specified is not correct |
AC02 | Invalid Debtor Account NumberDefinitionDebtor account number invalid or missing. |
AC03 | Invalid Creditor Account NumberDefinitionWrong IBAN in SCT |
AC04 | Closed Account NumberDefinitionAccount number specified has been closed on the bank of account's books |
AC06 | Blocked AccountDefinitionAccount specified is blocked, prohibiting posting of transactions against it. |
AC07 | Closed Creditor Account NumberDefinitionCreditor account number closed. |
AC13 | Invalid Debtor Account TypeDefinitionDebtor account type is missing or invalid |
AC14 | Invalid AgentDefinitionAn agent in the payment chain is invalid. |
AC15 | Account Details ChangedDefinitionAccount details have changed. |
AC16 | Account In SequestrationDefinitionAccount is in sequestration. |
AC17 | Account In LiquidationDefinitionAccount is in liquidation. |
AG01 | Transaction ForbiddenDefinitionTransaction forbidden on this type of account (formerly NoAgreement) |
AG02 | Invalid Bank Operation CodeDefinitionBank Operation code specified in the message is not valid for receiver |
AG07 | Unsuccesful Direct DebitDefinitionDebtor 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. |
AGNT | Incorrect AgentDefinitionAgent in the payment workflow is incorrect. |
AM01 | Zero AmountDefinitionSpecified message amount is equal to zero |
AM02 | Not Allowed AmountDefinitionSpecific transaction/message amount is greater than allowed maximum |
AM03 | Not Allowed CurrencyDefinitionSpecified message amount is an non processable currency outside of existing agreement |
AM04 | Insufficient FundsDefinitionAmount of funds available to cover specified message amount is insufficient. |
AM05 | DuplicationDefinitionDuplication |
AM06 | Too Low AmountDefinitionSpecified transaction amount is less than agreed minimum. |
AM07 | Blocked AmountDefinitionAmount specified in message has been blocked by regulatory authorities. |
AM09 | Wrong AmountDefinitionAmount received is not the amount agreed or expected |
AM10 | Invalid Control SumDefinitionSum of instructed amounts does not equal the control sum. |
ARDT | Already Returned TransactionDefinitionAlready returned original SCT |
BE01 | Inconsistent With End CustomerDefinitionIdentification of end customer is not consistent with associated account number, organisation ID or private ID. |
BE04 | Missing Creditor AddressDefinitionSpecification of creditor's address, which is required for payment, is missing/not correct (formerly IncorrectCreditorAddress). |
BE05 | Unrecognised Initiating PartyDefinitionParty who initiated the message is not recognised by the end customer |
BE06 | Unknown End CustomerDefinitionEnd customer specified is not known at associated Sort/National Bank Code or does no longer exist in the books |
BE07 | Missing Debtor AddressDefinitionSpecification of debtor's address, which is required for payment, is missing/not correct. |
BE08 | Bank ErrorDefinitionReturned as a result of a bank error. |
BE10 | Invalid Debtor CountryDefinitionDebtor country code is missing or invalid. |
BE11 | Invalid Creditor CountryDefinitionCreditor country code is missing or invalid. |
BE16 | Invalid Debtor Identification CodeDefinitionDebtor or Ultimate Debtor identification code missing or invalid. |
BE17 | Invalid Creditor Identification CodeDefinitionCreditor or Ultimate Creditor identification code missing or invalid. |
CN01 | Authorisation CancelledDefinitionAuthorisation is cancelled. |
CNOR | Creditor Bank Is Not RegisteredDefinitionCreditor bank is not registered under this BIC in the CSM |
CNPC | Cash Not Picked UpDefinitionCash not picked up by Creditor or cash could not be delivered to Creditor |
CURR | Incorrect CurrencyDefinitionCurrency of the payment is incorrect |
CUST | Requested By CustomerDefinitionCancellation requested by the Debtor |
DC04 | No Customer Credit Transfer ReceivedDefinitionReturn of Covering Settlement due to the underlying Credit Transfer details not being received. |
DNOR | Debtor Bank Is Not RegisteredDefinitionDebtor bank is not registered under this BIC in the CSM |
DS28 | Return For Technical ReasonDefinitionReturn following technical problems resulting in erroneous transaction. |
DT01 | Invalid DateDefinitionInvalid date (eg, wrong settlement date) |
DT02 | Cheque ExpiredDefinitionCheque has been issued but not deposited and is considered expired. |
DT04 | Future Date Not SupportedDefinitionFuture date not supported. |
DUPL | Duplicate PaymentDefinitionPayment is a duplicate of another payment. |
ED01 | Correspondent Bank Not PossibleDefinitionCorrespondent bank not possible. |
ED03 | Balance Info RequestDefinitionBalance of payments complementary info is requested |
ED05 | Settlement FailedDefinitionSettlement of the transaction has failed. |
EMVL | EMV Liability ShiftDefinitionThe card payment is fraudulent and was not processed with EMV technology for an EMV card. |
ERIN | ERI Option Not SupportedDefinitionThe Extended Remittance Information (ERI) option is not supported. |
FF03 | Invalid Payment Type InformationDefinitionPayment Type Information is missing or invalid. Generic usage if cannot specify Service Level or Local Instrument code. |
FF04 | Invalid Service Level CodeDefinitionService Level code is missing or invalid. |
FF05 | Invalid Local Instrument CodeDefinitionLocal Instrument code is missing or invalid |
FF06 | Invalid Category Purpose CodeDefinitionCategory Purpose code is missing or invalid. |
FF07 | Invalid PurposeDefinitionPurpose is missing or invalid. |
FOCR | Following Cancellation RequestDefinitionReturn following a cancellation request |
FR01 | FraudDefinitionReturned as a result of fraud. |
FRTR | Final Response Mandate CancelledDefinitionFinal response/tracking is recalled as mandate is cancelled. |
G004 | Credit Pending FundsDefinitionIn 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. |
MD01 | No MandateDefinitionNo Mandate |
MD02 | Missing Mandatory Information In MandateDefinitionMandate related information data required by the scheme is missing. |
MD05 | Collection Not DueDefinitionCreditor or creditor's agent should not have collected the direct debit. |
MD06 | Refund Request By End CustomerDefinitionReturn of funds requested by end customer |
MD07 | End Customer DeceasedDefinitionEnd customer is deceased. |
MS02 | Not Specified Reason Customer GeneratedDefinitionReason has not been specified by end customer |
MS03 | Not Specified Reason Agent GeneratedDefinitionReason has not been specified by agent. |
NARR | NarrativeDefinitionReason is provided as narrative information in the additional reason information. |
NOAS | No Answer From CustomerDefinitionNo response from Beneficiary |
NOCM | Not CompliantDefinitionCustomer 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. |
NOOR | No Original Transaction ReceivedDefinitionOriginal SCT never received |
PINL | PIN Liability ShiftDefinitionThe card payment is fraudulent (lost and stolen fraud) and was processed as EMV transaction without PIN verification. |
RC01 | Bank Identifier IncorrectDefinitionBank Identifier code specified in the message has an incorrect format (formerly IncorrectFormatForRoutingCode). |
RC03 | Invalid Debtor Bank IdentifierDefinitionDebtor bank identifier is invalid or missing. |
RC04 | Invalid Creditor Bank IdentifierDefinitionCreditor bank identifier is invalid or missing. |
RC07 | Invalid Creditor BIC IdentifierDefinitionIncorrrect BIC of the beneficiary Bank in the SCTR |
RC08 | Invalid Clearing System Member IdentifierDefinitionClearingSystemMemberidentifier is invalid or missing. Generic usage if cannot specify between debit or credit account. |
RC11 | Invalid Intermediary AgentDefinitionIntermediary Agent is invalid or missing. |
RF01 | Not Unique Transaction ReferenceDefinitionTransaction reference is not unique within the message. |
RR01 | Missing Debtor Account Or IdentificationDefinitionSpecification of the debtor’s account or unique identification needed for reasons of regulatory requirements is insufficient or missing |
RR02 | Missing Debtor Name Or AddressDefinitionSpecification of the debtor’s name and/or address needed for regulatory requirements is insufficient or missing. |
RR03 | Missing Creditor Name Or AddressDefinitionSpecification of the creditor’s name and/or address needed for regulatory requirements is insufficient or missing. |
RR04 | Regulatory ReasonDefinitionRegulatory Reason |
RR05 | Regulatory Information InvalidDefinitionRegulatory or Central Bank Reporting information missing, incomplete or invalid. |
RR06 | Tax Information InvalidDefinitionTax information missing, incomplete or invalid. |
RR07 | Remittance Information InvalidDefinitionRemittance information structure does not comply with rules for payment type. |
RR08 | Remittance Information TruncatedDefinitionRemittance information truncated to comply with rules for payment type. |
RR09 | Invalid Structured Creditor ReferenceDefinitionStructured creditor reference invalid or missing. |
RR11 | Invalid Debtor Agent Service IdentificationDefinitionInvalid or missing identification of a bank proprietary service. |
RR12 | Invalid Party IdentificationDefinitionInvalid or missing identification required within a particular country or payment type. |
RUTA | Return Upon Unable To ApplyDefinitionReturn following investigation request and no remediation possible. |
SL01 | Specific Service Offered By Debtor AgentDefinitionDue to specific service offered by the Debtor Agent |
SL02 | Specific Service Offered By Creditor AgentDefinitionDue to specific service offered by the Creditor Agent |
SL11 | Creditor Not On Whitelist Of DebtorDefinitionWhitelisting 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. |
SL12 | Creditor On Blacklist Of DebtorDefinitionBlacklisting 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. |
SL13 | Maximum Number Of Direct Debit Transactions ExceededDefinitionDue to Maximum allowed Direct Debit Transactions per period service offered by the Debtor Agent. |
SL14 | Maximum Direct Debit Transaction Amount ExceededDefinitionDue to Maximum allowed Direct Debit Transaction amount service offered by the Debtor Agent. |
SP01 | Payment StoppedDefinitionPayment is stopped by account holder. |
SP02 | Previously StoppedDefinitionPreviously stopped by means of a stop payment advise. |
SVNR | Service Not RenderedDefinitionThe 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. |
TM01 | Cut Off TimeDefinitionAssociated message was received after agreed processing cut-off time. |
TRAC | Removed From TrackingDefinitionReturn following direct debit being removed from tracking process. |
UPAY | Undue PaymentDefinitionPayment 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.
Source: UsageInMsgs sheet in 2Q2026_externalcodesets_v3.xlsx.