SEPA Reason Codes - SEPA Rückgabegründe -

Wiki SEPA Reason Codes SEPA Reason Code List SEPA Return Reason Code SEPA Reject Reason Code SEPA Rückläuferverarbeitung SEPA Rückgabecodes SEPA Rückgabegrund SEPA Rückgabegründe SEPA Rückgabe Code

Die für SEPA zugelassenen SEPA Reason Codes sind in der Anlage 3 des DFÜ Abkommen definiert.

In der nachfolgenden tabellarischen Aufstellung wird der Ansatz unternommen, die SEPA Rückgabegründe nicht nur aufzuführen sondern auch eine Zuordnung vorzunehmen, ob die SEPA Rückgabegründe für SEPA Überweisung (SCT) und/oder für SEPA Lastschrift (SDD) Rückläufer zum Einsatz kommen können.


Des Weiteren wird hierbei auch dargestellt, ob die Verwendung dieser Rückgabecodes von der Deutschen Bundesbank und/oder vom EPC vorgesehen ist. Zuletzt erfolgt – soweit es möglich und sinnvoll erscheint - eine Zuordnung zu den vorgesehen Rückgabegründen im althergebrachten DTA Verfahren.

SEPA Beratung SEPA Experte SEPA Berater Profil SEPA Freiberufler SEPA Freelancer SEPA Spezialist SEPA Unternehmensberatung SEPA Informationsquelle SEPA News SEPA Nachrichten Zahlungsverkehr SEPA Wiki

Welcher DTA Rückgabegrund genau unter den Zahlen der R-Code Spalte zu verstehen ist, ist im Kapitel SEPA Rückläuferverarbeitung beschrieben.

SEPA SCT Rückgabe Code

Zuordnungstabelle der EPC und Bundesbank Reject und Return Codes auf Basis XSD der pacs.002.001.02SCLSCT sowie XSD der pacs.004.001.02SCT der Bundesbank.

SEPA SDD Rückgabe Code

Zuordnungstabelle Reason Codes auf Basis der XSD der pacs.007.001.02 der Bundesbank.


A


ISO Code

ISO Name

Erläuterung

MT9xx

DTA
C7b

Verwendung

Reason Codes

DTA

S
C
T

S
D
D

S
C
C

Bundes
bank

Ande
re
CSM

R-
Code

AC01

Incorrect
Account
Number

Account number is invalid or missing. Format of the account number specified is not correct

Kontonummer fehlerhaft (ungültige IBAN)

SEPA Reason Code bei:

SCT PACS.004
SCT PACS.002SCL

SDD PACS.002
SDD PACS.004

SCC PACS.004

901

X

X

X

X

X

2

AC02

Invalid Debtor
Account Number

Debtor account number invalid or missing

 

 

 

 

 

 

 

AC03

Invalid Creditor
Account Number

Creditor account number invalid or missing

 

 

 

 

 

 

 

AC04

Closed
Account
Number

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

Konto aufgelöst/ erloschen

SEPA Reason Code bei:

SCT PACS.004
SCT CAMT.029

SDD PACS.002
SDD PACS.004

SCC PACS.004

902

X

X

X

X

X

1

AC05

Closed Debtor
Account Number

Debtor account number closed

 

 

 

 

 

 

 

AC06

Blocked
Account

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

Konto gesperrt

SEPA Reason Code bei:

SCT PACS.004

SDD PACS.002
SDD PACS.004

SCC PACS.004

903

X

X

X

X

X

1

AC07

Closed Creditor
Account Number

Creditor account number closed

 

 

 

 

 

 

 

AC08

Invalid Branch
Code

Branch code is invalid or missing

 

 

 

 

 

 

 

AC09

Invalid Account
Currency

Account currency is invalid or missing

 

 

 

 

 

 

 

AC10

Invalid Debtor
Account Currency

Debtor account currency is invalid or missing

 

 

 

 

 

 

 

AC11

Invalid Creditor
Account Currency

Creditor account currency is invalid or missing

 

 

 

 

 

 

 

AC12

Invalid

Account
Type

Account type missing or invalid. Generic usage if cannot specify between group and payment information levels

 

 

 

 

 

 

 

AC13

Invalid

Debtor

Account

Type

Debtor account type missing or invalid

 

Der Zahler ist ein Verbraucher

 

SEPA Reason Code bei:

B2B Only:

SDD PACS.002
SDD PACS.004

930

 

X

 

X

 

 

AC14

Invalid Creditor

Account

Type

Creditor account type missing or invalid

 

 

 

 

 

 

 

AGNT

Incorrect
Agent

Agent in the payment workflow is incorrect

Fälschlicherweise eingeschaltetes Kreditinstitut

SEPA Reason Code bei:

SDD CAMT.056

923

 

X

 

X

 

 

AG01

Transaction
Forbidden

Transaction forbidden on this type of account (formerly No Agreement)

Zahlungsart für diesen Kontotyp nicht zugelassen

SEPA Reason Code bei:

SCT PACS.004

SDD PACS.002
SDD PACS.004

904

X

X

 

X

X

 

AG02

Invalid Bank
Operation
Code

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

Transaktionscode unzulässig, oder falsches Dateiformat

SEPA Reason Code bei:

SCT PACS.004

SDD PACS.002
SDD PACS.004

SCC PACS.004

905

X

X

X

X

X

 

AG03

Transaction Not
Supported

Transaction type not supported/authorized on this account

 

 

 

 

 

 

 

AG04

Invalid Agent
Country

Agent country code is missing or invalid. Generic usage if cannot specify between group and payment information levels.

 

 

 

 

 

 

 

AG05

Invalid Debtor

Agent Country

Debtor agent country code is missing or invalid

 

 

 

 

 

 

 

AG06

Invalid Creditor
Agent Country

Creditor agent country code is missing or invalid

 

 

 

 

 

 

 

AG07

Unsuccessful Direct
Debit

Debtor account cannot be debited for a generic reason. 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

 

 

 

 

 

 

 

AG08

Invalid Access
Rights

Transaction failed due to invalid or missing user or access right

 

 

 

 

 

 

 

AM01

Zero Amount

Specified message amount is equal to zero

Betrag ist Null

 

 

 

 

 

 

 

AM02

Not Allowed
Amount

Specific transaction/message amount is greater than allowed maximum

Betrag ist unzulässig

 

X

 

 

X

X

 

AM03

Not Allowed
Currency

Specified message amount is a nonprocess able currency outside of existing agreement

 

 

 

 

 

 

 

AM04

Insufficient
Funds

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

Sonstiger Rückgabegrund/ Fehlende Deckung

SEPA Reason Code bei:

SCT PACS.002SCL
SCT CAMT.029

SDD PACS.002
SDD PACS.004

SCC PACS.004

906

X

X

X

X

X

 

AM05

Duplication

Duplication

Doppeleinreichung

SEPA Reason Code bei:

SCT PACS.004
SCT PACS.002SCL

SDD PACS.002
SDD PACS.002.SCL
SDD PACS.004
SDD PACS.007

SCC PACS.004
SCC.PACS.007

907

X

X

X

X

X

 

AM06

Too Low Amount

Specified transaction amount is less than agreed minimum.

 

 

 

 

 

 

 

AM07

Blocked Amount

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

 

Betrag gesperrt

 

 

 

 

 

 

 

AM09

Wrong Amount

Amount received is not the amount agreed or expected

 

Betrag nicht korrekt

 

SEPA Reason Code bei:

SCC PACS.004

 

 

 

X

X

 

 

AM10

Invalid Control
Sum

 

Sum of instructed amounts does not equal the control sum.

 

Summe Einzelbeträge ungleich Prüfsumme

 

 

 

 

 

 

 

AM11

Invalid Transaction
Currency

Transaction currency is invalid or missing

 

 

 

 

 

 

 

AM12

Invalid Amount

Amount is invalid or missing

 

 

 

 

 

 

 

AM13

Amount Exceeds
Clearing System
Limit

Transaction amount exceeds limits set by clearing system

 

 

 

 

 

 

 

AM14

Amount Exceeds
Agreed Limit

Transaction amount exceeds limits agreed between bank and client

 

 

 

 

 

 

 

AM15

Amount Below
Clearing System
Minimum

Transaction amount below minimum set by clearing system

 

 

 

 

 

 

 

AM16

Invalid Group
Control Sum

Control Sum at the Group level is invalid

 

 

 

 

 

 

 

AM17

Invalid Payment
Info Control Sum

Control Sum at the Payment Information level is invalid

 

 

 

 

 

 

 

AM18

Invalid Number
Of Transactions

Number of transactions is invalid or missing.
Generic usage if cannot specify between group and payment information levels.

 

 

 

 

 

 

 

AM19

Invalid Group
Number of
Transactions

Number of transactions at the Group level is invalid or missing

 

 

 

 

 

 

 

AM20

Invalid Payment Info Number Of Transactions

Number of transactions at the Payment Information level is invalid

 

 

 

 

 

 

 

AM21

Limit Exceeded

Transaction amount exceeds limits agreed between bank and client.

 

 

 

 

 

 

 

ARDT

 

Transaction has already been returned

Rückgabe der Überweisung bereits erfolgt

SEPA Reason Code bei:

SCT CAMT.029

 

X

 

 

X

 

 

B


ISO Code

ISO Name

Erläuterung

MT
9xx

DTA
C7b

Verwendung

Reason Codes

DTA

S
C
T

S
D
D

S
C
C

Bundes
bank

Ande
re
CSM

R-
Code

BE01

Inconsisten
With End
Customer

Identification of end customer is not consistent with associated account number (formerly Creditor Consistency).

Die Kennung des Endkunden passt nicht zu der entsprechenden Kontonummer

 

 

 

 

 

 

 

BE04

Missing Creditor

Address

Specification of creditor's address, which is required for payment, is missing/not correct (formerly Incorrect Creditor Address)

Adresse des Zahlungsempfängers fehlt oder ist unvollständig

SEPA Reason Code bei:

SCT PACS.004

908

X

 

 

X

X

 

BE05

Unrecognised

Initiating

Party

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

Identifier of the
Creditor incorrect

Gläubiger ID ungültig/ falsch

SEPA Reason Code bei:

SDD PACS.002
SDD PACS.004

928

 

X

 

X

 

 

BE06

Unknown End

Customer

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

Auftraggeber / Zahlungsempfänger unbekannt

SEPA Reason Code bei:

SCC PACS.004

 

 

 

X

X

 

 

BE07

Missing Debtor

Address

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

Adresse des Zahlers (Zahlungspflichtigen) fehlt oder unvollständig

 

 

 

 

 

 

 

BE08

Missing Debtor
Name

Debtor name is missing

 

 

 

 

 

 

 

BE09

Invalid Country

Country code is missing or Invalid. Generic usage if cannot specifically identify debtor or creditor

 

 

 

 

 

 

 

BE10

Invalid Debtor
Country

Debtor country code is missing or invalid

 

 

 

 

 

 

 

BE11

Invalid Creditor
Country

Creditor country code is missing or invalid

 

 

 

 

 

 

 

BE12

Invalid Country

Of Residence

Country code of residence is missing or Invalid.
Generic usage if cannot specifically identify debtor or creditor

 

 

 

 

 

 

 

BE13

Invalid Debtor
Country Of
Residence

Country code of debtor's residence is missing or Invalid

 

 

 

 

 

 

 

BE14

Invalid Creditor
Country Of
Residence

Country code of creditor's residence is missing or Invalid

 

 

 

 

 

 

 

BE15

Invalid
Identification
Code

Identification code missing or invalid. Generic usage if cannot specifically identify debtor or creditor.

 

 

 

 

 

 

 

BE16

Invalid Debtor
Identification
Code

Debtor or Ultimate Debtor identification code missing or invalid

 

 

 

 

 

 

 

BE17

Invalid Creditor

Identification
Code

Creditor or Ultimate Creditor identification code missing or invalid

 

 

 

 

 

 

 

BE18

Invalid Contact
Details

Contact details missing or invalid

 

 

 

 

 

 

 

BE19

Invalid Charge
Bearer Code

Charge bearer code for transaction type is invalid

 

 

 

 

 

 

 

BE20

Invalid Name
Length

Name length exceeds local rules for payment type.

 

 

 

 

 

 

 

BE21

Missing Name

Name missing or invalid.  Generic usage if cannot specifically identify debtor or creditor.

 

 

 

 

 

 

 

BE22

Missing Creditor
Name

Creditor name is missing

 

 

 

 

 

 

 

C


ISO Code

ISO Name

Erläuterung

MT
9xx

DTA
C7b

Verwendung

Reason Codes

DTA

S
C
T

S
D
D

S
C
C

Bundes
bank

Ande
re
CSM

R-Code

CNOR

Creditor bank is not registered

Creditor bank is not registered under this BIC in the CSM

 

 

 

 

 

 

 

CURR

Incorrect

Currency

Currency of the payment is incorrect

Falsche Währung

SEPA Reason Code bei:

SDD CAMT.056

SCC PACS.004

924

 

X

X

X

 

 

CUST

Requested
By Customer

Cancellation requested by the Debtor

Ablehnung durch den Zahlungs-empfänger, Rückruf durch den Kunden

SEPA Reason Code bei:

SCT CAMT.029

SDD CAMT.056

925

X

X

 

X

 

 

CUTA

Cancel Upon
Unable

To Apply

Rückruf wegen Ermittlungsersuchen

SEPA Reason Code bei:

SDD CAMT.056

926

 

X

 

X

 

 

D


ISO Code

ISO Name

Erläuterung

MT
9xx

DTA
C7b

Verwendung

Reason Codes

DTA

S
C
T

S
D
D

S
C
C

Bundes
bank

Ande
re
CSM

R-
Code

DS01

Electronic
Signatures Correct

The electronic signature(s) is/are correct

 

 

 

 

 

 

 

DS02

Order Cancelled

An authorized user has cancelled the order

 

 

 

 

 

 

 

DS03

Order Not
Cancelled

The user’s attempt to cancel the order was not successful

 

 

 

 

 

 

 

DS04

Order Rejected

The order was rejected by the bank side (for reasons concerning content)

 

 

 

 

 

 

 

DS05

Order Forwarded
For Post processing

The order was correct and could be forwarded for post processing

 

 

 

 

 

 

 

DS06

Transfer Order

The order was transferred to VEU

 

 

 

 

 

 

 

DS07

Processing OK

All actions concerning the order could be done by the EBICS bank server

 

 

 

 

 

 

 

DS08

Decompression Error

The decompression of the file was not successful

 

 

 

 

 

 

 

DS09

Decryption
Error

The decryption of the file was not successful

 

 

 

 

 

 

 

DS0A

Data Sign

Requested

Data Signature is required.

 

 

 

 

 

 

 

DS0B

Unknown Data
Sign Format

Data signature for the format is not available or invalid.

 

 

 

 

 

 

 

DS0C

Signer Certificate
Revoked

The signer certificate is revoked.

 

 

 

 

 

 

 

DS0D

Signer Certificate
Not Valid

The signer certificate is not valid (revoked or not active).

 

 

 

 

 

 

 

DS0E

Incorrect Signer
Certificate

The signer certificate is not present.

 

 

 

 

 

 

 

DS0F

Signer Certification Authority Signer
Not Valid

The authority of the signer certification sending the certificate is unknown.

 

 

 

 

 

 

 

DS0G

Not Allowed
Payment

Signer is not allowed to sign this operation type.

 

 

 

 

 

 

 

DS0H

Not Allowed
Account

Signer is not allowed to sign for this account.

 

 

 

 

 

 

 

 

DS0K

Not Allowed
Number Of
Transaction

The number of transaction is over the number allowed for this signer.

 

 

 

 

 

 

 

DS10

Signer 1 Certificate Revoked

The certificate is revoked for the first signer.

 

 

 

 

 

 

 

DS11

Signer 1 Certificate Not Valid

The certificate is not valid (revoked or not active) for the first signer.

 

 

 

 

 

 

 

DS12

Incorrect Signer 1 Certificate

The certificate is not present for the first signer.

 

 

 

 

 

 

 

DS13

Signer Certification Authority Signer
1 Not Valid

The authority of signer certification sending the certificate is unknown for the first signer.

 

 

 

 

 

 

 

DS14

User Does
Not Exist

The user is unknown on the server

 

 

 

 

 

 

 

DS15

Identical
Signature Found

The same signature has already been sent to the bank

 

 

 

 

 

 

 

DS16

Public Key
Version Incorrect

The public key version is not correct. This code is returned when a customer sends signature files to the financial institution after conversion from an older program version (old ES format) to a new program version (new ES format) without having carried out reinitialisation with regard to a public key change.

 

 

 

 

 

 

 

DS17

Different Order
Data In Signatures

Order data and signatures don’t match

 

 

 

 

 

 

 

DS18

Repeat Order

File cannot be tested; the complete order has to be repeated. This code is returned in the event of a malfunction during the signature check, e.g. not enough storage space.

 

 

 

 

 

 

 

DS19

Electronic
Signature Rights
Insufficient

The user’s rights (concerning his signature) are insufficient to execute the order

 

 

 

 

 

 

 

DS20

Signer 2 Certificate Revoked

The certificate is revoked for the second signer

 

 

 

 

 

 

 

DS21

Signer 2 Certificate Not Valid

The certificate is not valid (revoked or not active) for the second signer

 

 

 

 

 

 

 

DS22

Incorrect Signer
2 Certificate

The certificate is not present for the second signer

 

 

 

 

 

 

 

DS23

Signer Certification Authority Signer 2 Not Valid

The authority of signer certification sending the certificate is unknown for the second signer

 

 

 

 

 

 

 

DS24

Waiting Time Expired

Waiting time expired due to incomplete order

 

 

 

 

 

 

 

DS25

Order File
Deleted

The order file was deleted by the bank server
(for multiple reasons)

 

 

 

 

 

 

 

DS26

User Signed
Multiple Times

The same user has signed multiple times

 

 

 

 

 

 

 

DS27

User Not Yet Activated

The user is not yet activated (technically)

 

 

 

 

 

 

 

DNOR

Debtor bank is not registered

Debtor bank is not registered under this BIC in the CSM

 

 

 

 

 

 

 

DT01

Invalid
Date

Invalid date (eg, wrong settlement date)

ungültiges Datum (z. B. falsches Abrechnungsdatum)

Hinweis:

Das Datum liegt nicht innerhalb des von der EBA vorgesehenen Zeitrahmens (cross-reference) bzw. nicht im Zeitkorridor des SEPA Clearers.

Dieses wird vom SEPA Clearer auch vergeben, wenn Transaktionen, die zur Weiterleitung an die EBA bestimmt sind, im ersten Verarbeitungsfenster des SEPA-Clearer eingereicht werden

Invalid Date wird auch von der EBA verwendet

SEPA Reason Code bei:

SCT PACS.004

SDD PACS.004

SCC PACS.004
SCC PACS.007

 

X

X

X

X

 

 

DT02

Invalid Creation
Date

Invalid creation date and time in Group Header (eg, historic date)

 

 

 

 

 

 

 

DT03

Invalid Non
Processing Date

Invalid nonbank processing date (eg, weekend or local public holiday)

 

 

 

 

 

 

 

DT04

Future Date Not
Supported

Future date not supported

 

 

 

 

 

 

 

DT05

Invalid Cut Off
Date

Associated message, payment information block or transaction was received after agreed processing cutoff date, i.e., date in the past.

 

 

 

 

 

 

 

DT06

Execution
Date Changed

Execution Date has been modified in order for transaction to be processed

 

 

 

 

 

 

 

DU01

Duplicate Message ID

Message Identification is not unique.

 

 

 

 

 

 

 

DU02

Duplicate Payment Information ID

Payment Information Block is not unique.

 

 

 

 

 

 

 

DU03

Duplicate
Transaction

Transaction is not unique.

 

 

 

 

 

 

 

DU04

Duplicate

End To End ID

End To End ID is not unique.

 

 

 

 

 

 

 

DU05

Duplicate
Instruction ID

Instruction ID is not unique.

 

 

 

 

 

 

 

DUPL

Duplicate
Payment

 

Payment is a duplicate of another payment

Doppelzahlung

SEPA Reason Code bei:

SCT CAMT.056

SDD CAMT.056

920

X

X

 

X

 

 

DT01

Invalid Date
Range

Das Datum liegt nicht innerhalb des von anderen CSM vorgesehenen Zeitrahmens bzw. nicht im Zeitkorridor des SEPA Clearers.

 

SEPA Reason Code bei:

SCT PACS.002SCL

 

SDD PACS.002SCL

 

X

X

 

X

 

 

E


ISO Code

ISO Name

Erläuterung

MT
9xx

DTA
C7b

Verwendung

Reason Codes

DTA

S
C
T

S
D
D

S
C
C

Bundes
bank

Ande
re
CSM

R-
Code

ED01

Correspondent Bank Not Possible

Correspondent bank not possible.

 

 

 

 

 

 

 

ED03

Balance Info
Request

Balance of payments complementary info is requested

 

 

 

 

 

 

 

ED05

Settlement
Failed

Settlement of the transaction has failed.

Settlement bei der EBA EURO1 fehlgeschlagen, Wird auch von der EBA verwendet

Hinweis:

Die Begleichung der Transaktion ist fehlgeschlagen/ Settlement STEP2 SCT Service fehlgeschlagen

SEPA Reason Code bei:

SCT PACS.002SCL

SDD PACS.002SCL

SCC PACS.004
SCC PACS.007

 

X

X

X

X

X

 

EMVL

EMV Liability Shift

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

 

SEPA Reason Code bei:

SCC PACS.004

 

 

 

X

X

 

 

F


ISO Code

ISO Name

Erläuterung

MT
9xx

DTA
C7b

Verwendung

Reason Codes

DTA

S
C
T

S
D
D

S
C
C

Bundes
bank

Ande
re
CSM

R-
Code

FOCR

Following
Cancellation
Request

Return following a cancellation request

Rückgabe aufgrund eines Recall (Rückruf)

SEPA Reason Code bei:

SCT PACS.004

SDD PACS.004

SCC PACS.004

919

X

X

X

X

X

4

FF01

Invalid File Format

 

File Format incomplete or invalid

Transaction Code
incorrect (SDD)

Ungültiges Dateiformat

SEPA Reason Code bei:

SCT PACS.004

SDD PACS.004

SCC PACS.004

911

X

X

X

X

 

 

FF02

Syntax Error

Syntax error reason is provided as narrative information in the additional reason information.

 

 

 

 

 

 

 

FF03

Invalid Payment
Type Information

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

 

 

 

 

 

 

 

FF04

Invalid Service
Level Code

Service Level code is missing or invalid

 

 

 

 

 

 

 

FF05

Invalid Local

Instrument

Code

Local Instrument code is missing or invalid

 

Direct Debit Type

incorrect

 

Falsche Lastschriftart (COR1 trotz fehlender COR1 Vereinbarung verwendet)

 

SEPA Reason Code bei:

CORE Only:

SDD PACS.002
SDD PACS.004

931

 

X

 

X

 

 

FF06

Invalid Category
Purpose Code

Category Purpose code is missing or invalid

 

 

 

 

 

 

 

FF07

Invalid Purpose

Purpose is missing or invalid

 

 

 

 

 

 

 

FF08

Invalid End To End Id

End to End Id missing or invalid

 

 

 

 

 

 

 

FF09

Invalid Cheque
Number

Cheque number missing or invalid

 

 

 

 

 

 

 

FF10

Bank System
Processing Error

File or transaction cannot be processed due to technical issues at the bank side

 

 

 

 

 

 

 

FRAD

 

proprietärer Code

 

Zahlung erfolgt in betrügerischer Absicht.

 

SEPA Reason Code bei:

SCT CAMT.056

 

SDD CAMT.056

922

X

X

 

X

 

 

I


ISO Code

ISO Name

Erläuterung

MT
9xx

DTA
C7b

Verwendung

Reason Codes

DTA

S
C
T

S
D
D

S
C
C

Bundes
bank

Ande
re
CSM

R-
Code

ID01

Correspond-
ing Original
File Still
Not Sent

Signature file was sent to the bank but the corresponding original file has not been sent yet.

 

X

 

 

X

 

 

L


ISO Code

ISO Name

Erläuterung

MT
9xx

DTA
C7b

Verwendung

Reason Codes

DTA

S
C
T

S
D
D

S
C
C

Bundes
bank

Ande
re
CSM

R-
Code

LEGL

Legal
Decision

Legal reason

Ablehnung aus rechtlichen Grund

SEPA Reason Code bei:

SCT CAMT.029

 

X

 

 

X

 

 

M


ISO Code

ISO Name

Erläuterung

MT
9xx

DTA
C7b

Verwendung

Reason Codes

DTA

S
C
T

S
D
D

S
C
C

Bundes
bank

Ande
re
CSM

R-
Code

MD01

No Mandate

No Mandate

Kein gültiges Mandat

SEPA Reason Code bei:

SDD PACS.002
SDD PACS.002SCL
SDD PACS.004

SCC PACS.004

909

 

X

X

X

X

3

MD02

Missing

Mandatory
Information
In Mandate

Mandate related information data required by the scheme is missing.

Die Daten zum Mandat fehlen oder sind nicht korrekt.

SEPA Reason Code bei:

SDD PACS.002
SDD PACS.002SCL

910

 

X

 

X

 

 

MD03

Invalid File Format For Other

 

Reason Than Grouping Indicator

Dateiformat ungültig (Einreicher muss die Struktur des Formates anpassen und erneut einreichen)

 

 

 

 

 

 

 

MD05

Collection
Not Due

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

 

 

 

 

 

 

 

MD06

Refund
Requested
By

End

Customer

Return of funds requested by end customer

Lastschriftwider-
spruch durch den Zahlungspflichtigen

SEPA Reason Code bei:

SDD PACS.004

912

 

X

 

X

 

 

MD07

End Customer

Deceased

End customer is deceased.

Kontoinhaber verstorben

SEPA Reason Code bei:

SCT PACS.004

SDD PACS.002
SDD PACS.004

913

X

X

 

X

X

 

MD08

No Mandate
Servic
e By Agent

Receiving agent does not offer specified Mandate services

 

 

 

 

 

 

 

MD09

No Mandate
Service On
Customer

Account is not open to specified Mandates services

 

 

 

 

 

 

 

MD10

No Mandate
Service For
Specified

Account is not open to specified Mandates services for this particular creditor

 

 

 

 

 

 

 

MD11

Unrecognised
Agent

Agent to whom the message needs to be forwarded cannot be located

 

 

 

 

 

 

 

MD12

Not Unique
Mandate
Reference

Mandate identification is not unique to the creditor

 

 

 

 

 

 

 

MD13

Incorrect
Customer
Authentication

There is a problem with the customer authentication

 

 

 

 

 

 

 

MD14

Incorrect
Agent

Agent in the payment workflow is incorrect

 

 

 

 

 

 

 

MD15

Incorrect
Currency

Currency of the transaction is incorrect

 

 

 

 

 

 

 

MD16

Requested By
Customer

Cancellation/amendment requested by the debtor

 

 

 

 

 

 

 

MD17

Requested By
Initiating Party

Cancellation/amendment requested by the creditor

 

 

 

 

 

 

 

MS02

Not Specified
Reason,
Customer
Generated

Reason has not been specified by end customer

Sonstige Gründe,
Rückgabe durch Zahler

SEPA Reason Code bei:

SCT PACS.004

SDD PACS.002
SDD PACS.004
SDD PACS.007

SCC PACS.004
SCC PACS.007

914

X

X

X

X

X

5

MS03

Not Specified Reason, Agent Generated

Reason has not been specified by agent.

Sonstige Gründe, Rückgabe durch Bank ohne Grund

SEPA Reason Code bei:

SCT PACS.004

SDD PACS.002
SDD PACS.004
SDD PACS.007

SCC PACS.007

914

X

X

X

X

X

5

N


ISO Code

ISO Name

Erläuterung

MT
9xx

DTA
C7b

Verwendung

Reason Codes

DTA

S
C
T

S
D
D

S
C
C

Bundes
bank

Ande
re
CSM

R-
Code

NARR

Narrative

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

 

 

 

 

 

 

 

NOAS

No Answer
From
Customer

No response from beneficiary

Keine Antwort des Zahlungsempfängers

SEPA Reason Code bei:

SCT CAMT.029

 

X

 

 

X

 

 

NOOR

No Original
Transaction
Received

Original credit
transfer never
treceived

Originalnachricht
nicht erhalten

SEPA Reason Code bei:

SCT PACS.002SCL
SCT CAMT.029

 

X

 

 

X

 

 

P


ISO Code

ISO Name

Erläuterung

MT
9xx

DTA
C7b

Verwendung

Reason Codes

DTA

S
C
T

S
D
D

S
C
C

Bundes
bank

Ande
re
CSM

R-
Code

PART

 

Teilrückweisung eines Bulks

SEPA Reason Code bei:

SCT PACS.002SCL

SDD PACS.002SCL

SCC PACS.002SCL

 

X

X

X

X

 

 

PINL

PIN Liability Shift

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

SEPA Reason Code bei:

SCC PACS.004

 

 

 

X

X

 

 

PY01

 

Die Transaktion kann nicht verarbeitet werden, da die begünstigte und/ oder die auftraggebende Bank nicht als direkter oder indirekter Teilnehmer bei der EBA gemeldet ist. (Initiator SEPA Clearer).

SEPA Reason Code bei:

SDD PACS.002SCL

SCC PACS.002SCL

 

 

 

X

X

 

 

R


ISO Code

ISO Name

Erläuterung

MT
9xx

DTA
C7b

Verwendung

Reason Codes

DTA

S
C
T

S
D
D

S
C
C

Bundes
bank

Ande
re
CSM

R-
Code

RC01

Bank Identifier
Incorrect

Bank Identifier code specified in the message has an incorrect format (formerly Incorrect Format For Routing Code)

BIC ungültig

SEPA Reason Code bei:

SCT PACS.004

SDD PACS.002
SDD PACS.004

SCC PACS.004

915

X

X

X

X

X

0

Oder

6

RC02

Invalid Bank
Identifier

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

 

 

 

 

 

 

 

RC03

Invalid Debtor
Bank Identifier

Debtor bank identifier is invalid or missing

 

 

 

 

 

 

 

RC04

Invalid Creditor
Bank Identifier

Creditor bank identifier is invalid or missing

 

 

 

 

 

 

 

RC05

Invalid BIC
Identifier

BIC identifier is invalid or missing. Generic usage if cannot specify between debit and credit account.

 

 

 

 

 

 

 

RC06

Invalid Debtor
BIC Identifier

Debtor BIC identifier is invalid or missing

 

 

 

 

 

 

 

RC07

Invalid Creditor
BIC Identifier

Creditor BIC identifier is invalid or missing

 

 

 

 

 

 

 

RC08

Invalid Clearing
System Member
Identifier

Clearing System Memberidentifier is invalid or missing.
Generic usage if cannot specify between debit or credit account

 

 

 

 

 

 

 

RC09

Invalid Debtor
Clearing System
Member Identifier

Debtor Clearing System Member identifier is invalid or missing

 

 

 

 

 

 

 

RC10

Invalid Creditor
Clearing System
Member Identifier

Creditor Clearing System Member identifier is invalid or missing

 

 

 

 

 

 

 

RC11

Invalid
Intermediary

Agent

Intermediary Agent is invalid or missing

 

 

 

 

 

 

 

RC12

Missing Creditor
Scheme Id

Creditor Scheme Id is invalid or  missing

 

 

 

 

 

 

 

RF01

Not Unique
Transaction

Reference

Transaction reference is not unique within the message.

 

 

 

 

 

 

 

RJCT

 

Komplettrück-
weisung eines Bulks


SEPA Reason Code bei:

SCT PACS.002SCL

SDD PACS.002SCL

SCC PACS.002SCL

 

X

X

X

X

 

 

RR01

Missing
Debtor
Account
Or
Identification

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

 

Ablehnung aufgrund von aufsichtsrechtlichen Gründen

 

Fehlendes Konto / fehlende ID des Zahlers

 

SEPA Reason Code bei:

SCT PACS.004

 

SDD PACS.002
SDD PACS.004

917

X

X

 

X

X

 

RR02

Missing
Debtor
Name
Or
Address

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

 

Fehlender Name/ fehlende Adresse des Zahlers

 

SEPA Reason Code bei:

SCT PACS.004

 

SDD PACS.002
SDD PACS.004

917

X

X

 

X

X

 

RR03

Missing
Creditor
Name
Or
Address

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

Fehlender Name/ fehlende Adresse des Zahlungsempfängers

 

SEPA Reason Code bei:

SCT PACS.004

 

SDD PACS.002
SDD PACS.004

917

X

X

 

X

X

 

RR04

Regulatory
Reason

Regulatory Reason

Aufsichtsrechtliche Gründe

SEPA Reason Code bei:

SCT PACS.004

SDD PACS.002
SDD PACS.004

917

X

X

 

X

X

 

RR05

Regulatory
Information
Invalid

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

 

 

 

 

 

 

 

RR06

Tax Information
Invalid

Tax information missing, incomplete or invalid.

 

 

 

 

 

 

 

RR07

Remittance
Information
Invalid

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

 

 

 

 

 

 

 

RR08

Remittance
Information
Truncated

Remittance information truncated to comply with rules for payment type.

 

 

 

 

 

 

 

RR09

Invalid Structured Creditor
Reference

Structured creditor reference invalid or missing.

 

 

 

 

 

 

 

RR10

Invalid Character
Set

Character set supplied not valid for the country and payment type.

 

 

 

 

 

 

 

RR11

Invalid Debtor
Agent Service ID

Invalid or missing identification of a bank proprietary service.

 

 

 

 

 

 

 

RR12

Invalid Party ID

 

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

 

 

 

 

 

 

 

RF01

Not Unique
Transaction

Reference

Transaction reference is not unique within the message.

 

 

 

 

 

 

 

S


ISO Code

ISO Name

Erläuterung

MT
9xx

DTA
C7b

Verwendung

Reason Codes

DTA

S
C
T

S
D
D

S
C
C

Bundes
bank

Ande
re
CSM

R-
Code

SL01

Due To Specific
Services
Offered By
Debtor Agent

Due to specific service offered by the Debtor Agent

Spezifische Dienstleistung der Bank des Zahlungspflichtigen

Rückgabegrund: besonderer Service der Debitor Bank, wonach alle nicht ausdrücklich vom Kunden authorisierte Lastschriften zurückgegeben werden (z.B. Blacklist).

SEPA Reason Code bei:

SDD PACS.002

SDD PACS.004

918

 

X

 

X

X

 

SL02

Specific Service offered by Creditor Agent

Due to specific service offered by the Creditor Agent

 

 

 

 

 

 

 

SVNR

Service Not
Rendered

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 ecommerce situation.

SEPA Reason Code bei:

SCC PACS.004

 

 

 

X

X

 

 

T


ISO Code

ISO Name

Erläuterung

MT
9xx

DTA
C7b

Verwendung

Reason Codes

DTA

S
C
T

S
D
D

S
C
C

Bundes
bank

Ande
re
CSM

R-
Code

TA01

Transmisson

Aborted

The transmission of the file was not successful – it had to be aborted (for technical reasons)

 

 

 

 

 

 

 

TD01

No Data Available

There is no data available (for download)

 

 

 

 

 

 

 

TD02

File Non Readable

The file cannot be read (e.g. unknown format)

 

 

 

 

 

 

 

TD03

Incorrect File
Structure

The file format is incomplete or invalid

 

 

 

 

 

 

 

TECH

 

Technical problems resulting in erroneous credit transfer

 

Proprietärer Code

 

Zahlung erfolgte irrtümlich wegen technischer Probleme

 

SEPA Reason Code bei:

SCT CAMT.056

 

SDD CAMT.056

921

X

X

 

X

 

 

TM01

Invalid
Cut Off

Time
Formerly:
Cut Off
Time

Associated message was received after agreed processing cutoff time.

Cut Off Zeit vor Dateiempfang überschritten

 

SEPA Reason Code bei:

SCT PACS.004

 

SDD PACS.004

 

SCC PACS.004

916

X

X

X

X

 

 

TS01

Transmission
Successful

The (technical) transmission of the file was successful.

 

 

 

 

 

 

 

TS04

Transfer To Sign By
Hand

The order was transferred to pass by accompanying note signed by hand

 

 

 

 

 

 

 

U


ISO Code

ISO Name

Erläuterung

MT
9xx

DTA
C7b

Verwendung

Reason Codes

DTA

S
C
T

S
D
D

S
C
C

Bundes
bank

Ande
re
CSM

R-
Code

UPAY

Undue
Payment

Zahlung ist nicht berechtigt

SEPA Reason Code bei:

SDD CAMT.056

927

 

X

 

X

 

 

X


ISO Code

ISO Name

Erläuterung

MT
9xx

DTA
C7b

Verwendung

Reason Codes

DTA

S
C
T

S
D
D

S
C
C

Bundes
bank

Ande
re
CSM

R-
Code

XD19

 

Prüfung der IBAN gem. ISO 13616 fehlgeschlagen (z.B. (DebtorAccount oder CreditorAccount sind nicht korrekt.)

Wird vergeben, wenn der Ländercode ein gültiger ISO oder SEPA Ländercode ist, der (länderspezifische) Aufbau der IBAN oder die Prüfziffer jedoch fehlerhaft sind (Initiator SEPA Clearer).

Das Feld mit der fehlerhaften IBAN ist im Feld <StsRsn> angegeben (Initiator SEPA Clearer).

SEPA Reason Code bei:

SCT PACS.002SCL

SDD PACS.002SCL

 

X

X

 

X

 

 

XD75

 

Unerlaubtes Element in folgender Kombination: Wenn das Feld <AmdmntInd> mit "TRUE" und <OrgnIDbtrAgt> mit "SMNDA" (=Same Mandate New Debtor Agent), belegt ist, um dasselbe Mandat mit einer neuen Zahlstelle zu kennzeichnen muss das Feld <SeqTp> mit "FRST" belegt sein (Initiator SEPA Clearer).

SEPA Reason Code bei:

SDD PACS.002SCL

 

 

X

 

X

 

 

XT13

 

Transaktion beinhaltet mindestens ein nicht unterstütztes Feld. Mindestens ein Pflichtfeld ist nicht in der Transaktion enthalten.

Das fehlerhafte XML Feld ist mit dem Fehlercode versehen

SEPA Reason Code bei:

SCT PACS.002SCL

SDD PACS.002SCL

SCC PACS.002SCL

 

X

X

X

X

 

 

XT27

 

Transaktion beinhaltet mindestens ein Element mit einem BIC, der nicht im SCL Directory vorhanden ist.

SEPA Reason Code bei:

SCT PACS.002SCL

SDD PACS.002SCL

SCC PACS.002SCL

 

X

X

X

X

 

 

XT33

 

Inhalt mindestens eines XML Elements hat nicht das erforderliche Format. Das fehlerhafte XML Feld ist mit dem Fehlercode versehen (Initiator SEPA Clearer).

SEPA Reason Code bei:

SCT PACS.002SCL

SDD PACS.002SCL

 

X

X

 

X

 

 

XT43

 

Art der Lastschrift (CORE7B2B) weicht vin der Belegung der <Srvcld> im File Header ab (Initiator SEPA Clearer).

SEPA Reason Code bei:

SDD PACS.002SCL

 

 

X

 

X

 

 

XT53

 

Prüfung des Creditors Indentifiers <CdtrSchmeld><Id> hinsichtlich Struktur/Prüfziffer fehlgeschlagen (Initiator SEPA Clearer).


SEPA Reason Code bei:

SDD PACS.002SCL

 

 

X

 

X

 

 

XT73

 

Beide Zeichen für den Ländercode sind keine gültigen ISO- oder SEPA Ländercode (Initiator SEPA Clearer)

Hinweis:

Der Ländercode im XML-Tag „Country“ oder die ersten beiden Zeichen in der IBAN sind nicht korrekt (beim Debtor, DebtorAccount, Creditor, CreditorAccount)

SEPA Reason Code bei:

SCT PACS.002SCL

SDD PACS.002SCL

 

X

X

 

X

 

 

XT74

 

Fehlerhafte zugrundeliegende Originaltransaktion (Initiator andere CSM). Weitere Prüfung erforderlich

SEPA Reason Code bei:

SCT PACS.002SCL

SDD PACS.002SCL

 

X

X

 

X

 

 

XT75

 

Fehlerhafter Status der zugrunde liegenden Originaltransaktion aus der R-Nachricht (Initiator andere CSM). Keine weiteren Aktionen nötig.

SEPA Reason Code bei:

SCT PACS.002SCL

SDD PACS.002SCL

 

X

X

 

X

 

 

XT76

 

Ungültiger Fehlercode im Return/Refund (Initiator SEPA Clearer)

 

 

X

 

X

 

 

XT77

 

Der ursprünglich beauftragte Betrag <OrgnIIntrBkSttlmAmt> wurde vom anderen CSM nicht gefunden bzw. stimmt nicht mit Betrag der Originaltransaktion überein

SEPA Reason Code bei:

SCT PACS.002SCL

SDD PACS.002SCL

 

X

X

 

X

 

 

XT78

 

pasc.004.001.01: Die Betragsangabe in <OrgnlIntrBkSttlmAmt> + <CompstnAmt> + <ChrgsInf><Amt> muss den Betrag in <RtrdIntrBkSttlmAmt> ergeben, falls <CompstnAmt> und/oder <ChrgsInf><Amt> vorhanden (Initiator SEPA Clearer).

SEPA Reason Code bei:

SDD PACS.002SCL

 

 

X

 

X

 

 

XT79

 

Dem <DbtrAgt> ist es nicht erlaubt Lastschriften zu erhalten. Einem indirekten Teilnehmer muss es erlaubt sein, Lastschriften aus dem Clearingsystem zu erhalten (Initiator andere CSM).

SEPA Reason Code bei:

SDD PACS.002SCL

 

 

X

 

X

 

 

XT80

 

Dem <CdtrAgt> ist es nicht erlaubt Lastschriften zu senden. Einem indirekten Teilnehmer muss es erlaubt sein, Lastschriften an das Clearingsystem zu senden (Initiator andere CSM).

SEPA Reason Code bei:

SDD PACS.002SCL

 

 

X

 

X

 

 

XT81

 

SCT
XML field not permitted in CT
service

SDD

Only SEPA Core fields are allowed - A XML field present in the XML schemas but not permitted in the SDD services was used without prior agreement.

 

X

X

 

X

 

 

XT85

No
Settlement
Cycle
available

SCT

 

X

 

 

X

 

 

XT87

 

SDD
R-Msg not following same DP route/ sending DP not identical to Instructing / Instructed Agent of the original Transaction

 

 

X

 

X

 

 

XT90

Invalid use
of a
Technical
BIC

SCT

 

X

 

 

X

 

 

XT99

 

Rückweisung der Überweisung oder Lastschrift oder Karteneinzug vom SEPA Clearer aus sonstigen Gründen.

SEPA Reason Code bei:

SCT PACS.002SCL

SDD PACS.002SCL

SCC PACS.002SCL

 

X

X

X

X

 

 

SEPA Reason Codes - SEPA Rückgabegründe - SEPA Reason Code List - SEPA Rückgabecodes - SEPA Return Reason Code - SEPA Rückgabe Code - SEPA Reject Reason Code - SEPA Rückläuferverarbeitung - SEPA Rückgabegrund - SEPA Rückläufer Code - SEPA Reason Codes - SEPA Rückgabegründe - SEPA Reason Code List - SEPA Rückgabecodes - SEPA Return Reason Code - SEPA Rückgabe Code - SEPA Reject Reason Code - SEPA Rückläuferverarbeitung - SEPA Rückgabegrund - SEPA Rückläufer Code - SEPA Reason Codes - SEPA Rückgabegründe - SEPA Reason Code List - SEPA Rückgabecodes - SEPA Return Reason Code - SEPA Rückgabe Code - SEPA Reject Reason Code - SEPA Rückläuferverarbeitung - SEPA Rückgabegrund - SEPA Rückläufer Code - SEPA Reason Codes - SEPA Rückgabegründe - SEPA Reason Code List - SEPA Rückgabecodes - SEPA Return Reason Code - SEPA Rückgabe Code - SEPA Reject Reason Code - SEPA Rückläuferverarbeitung - SEPA Rückgabegrund - SEPA Rückläufer Code

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