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.
Welcher DTA Rückgabegrund genau unter den Zahlen der R-Code Spalte zu verstehen ist, ist im Kapitel SEPA Rückläuferverarbeitung beschrieben.
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.
Zuordnungstabelle Reason Codes auf Basis der XSD der pacs.007.001.02 der Bundesbank.
ISO Code |
ISO Name |
Erläuterung |
MT9xx
DTA |
Verwendung |
Reason Codes |
DTA |
|||
S |
S |
S |
Bundes |
Ande |
R- |
||||
AC01 |
Incorrect |
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
SDD PACS.002 SCC PACS.004 |
901 |
X |
X |
X |
X |
X |
2 |
AC02 |
Invalid
Debtor |
Debtor account number invalid or missing |
|
|
|
|
|
|
|
AC03 |
Invalid
Creditor |
Creditor account number invalid or missing |
|
|
|
|
|
|
|
AC04 |
Closed |
Account number specified has been closed on the bank of account's books Konto aufgelöst/ erloschen
SEPA Reason Code bei:
SCT
PACS.004
SDD
PACS.002 SCC PACS.004 |
902 |
X |
X |
X |
X |
X |
1 |
AC05 |
Closed
Debtor |
Debtor
account number closed |
|
|
|
|
|
|
|
AC06 |
Blocked |
Account specified is blocked, prohibiting posting of transactions against it. Konto gesperrt
SEPA Reason Code bei: SCT PACS.004
SDD
PACS.002 SCC PACS.004 |
903 |
X |
X |
X |
X |
X |
1 |
AC07 |
Closed
Creditor |
Creditor
account number closed |
|
|
|
|
|
|
|
AC08 |
Invalid
Branch |
Branch code is invalid or missing |
|
|
|
|
|
|
|
AC09 |
Invalid
Account |
Account currency is invalid or missing |
|
|
|
|
|
|
|
AC10 |
Invalid
Debtor |
Debtor account currency is invalid or missing |
|
|
|
|
|
|
|
AC11 |
Invalid
Creditor |
Creditor account currency is invalid or missing |
|
|
|
|
|
|
|
AC12 |
Invalid
Account |
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 |
930 |
|
X |
|
X |
|
|
AC14 |
Invalid Creditor Account Type |
Creditor account type missing or invalid |
|
|
|
|
|
|
|
AGNT |
Incorrect |
Agent in the payment workflow is incorrect Fälschlicherweise eingeschaltetes Kreditinstitut
SEPA Reason Code bei: SDD CAMT.056 |
923 |
|
X |
|
X |
|
|
AG01 |
Transaction |
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 |
904 |
X |
X |
|
X |
X |
|
AG02 |
Invalid Bank |
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 SCC PACS.004 |
905 |
X |
X |
X |
X |
X |
|
AG03 |
Transaction Not |
Transaction type not supported/authorized on this account |
|
|
|
|
|
|
|
AG04 |
Invalid
Agent |
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 |
Creditor agent country code is missing or invalid |
|
|
|
|
|
|
|
AG07 |
Unsuccessful Direct |
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 |
Transaction failed due to invalid or missing user or access right |
|
|
|
|
|
|
|
AM01 |
Zero Amount |
Specified message amount is equal to zero |
|
|
|
|
|
|
|
AM02 |
Not Allowed |
Specific transaction/message amount is greater than allowed maximum |
|
X |
|
|
X |
X |
|
AM03 |
Not
Allowed |
Specified message amount is a nonprocess able currency outside of existing agreement |
|
|
|
|
|
|
|
AM04 |
Insufficient |
Amount of funds available to cover specified message amount is insufficient. Sonstiger Rückgabegrund/ Fehlende Deckung
SEPA Reason Code bei:
SCT
PACS.002SCL
SDD
PACS.002 SCC PACS.004 |
906 |
X |
X |
X |
X |
X |
|
AM05 |
Duplication |
Duplication Doppeleinreichung
SEPA Reason Code bei:
SCT PACS.004
SDD PACS.002
SCC
PACS.004 |
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 of instructed amounts does not equal the control sum.
Summe Einzelbeträge ungleich Prüfsumme |
|
|
|
|
|
|
|
AM11 |
Invalid
Transaction |
Transaction currency is invalid or missing |
|
|
|
|
|
|
|
AM12 |
Invalid Amount |
Amount is invalid or missing |
|
|
|
|
|
|
|
AM13 |
Amount
Exceeds |
Transaction amount exceeds limits set by clearing system |
|
|
|
|
|
|
|
AM14 |
Amount
Exceeds |
Transaction amount exceeds limits agreed between bank and client |
|
|
|
|
|
|
|
AM15 |
Amount
Below |
Transaction amount below minimum set by clearing system |
|
|
|
|
|
|
|
AM16 |
Invalid
Group |
Control Sum at the Group level is invalid |
|
|
|
|
|
|
|
AM17 |
Invalid
Payment |
Control Sum at the Payment Information level is invalid |
|
|
|
|
|
|
|
AM18 |
Invalid
Number |
Number of
transactions is invalid or missing. |
|
|
|
|
|
|
|
AM19 |
Invalid
Group |
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 |
|
|
ISO Code |
ISO Name |
Erläuterung |
MT
DTA |
Verwendung |
Reason Codes |
DTA |
|||
S |
S |
S |
Bundes |
Ande |
R- |
||||
BE01 |
Inconsisten |
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 Gläubiger ID ungültig/ falsch
SEPA Reason Code bei:
SDD
PACS.002 |
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 |
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 |
Debtor
country code is missing or invalid |
|
|
|
|
|
|
|
BE11 |
Invalid
Creditor |
Creditor country code is missing or invalid |
|
|
|
|
|
|
|
BE12 |
Invalid Country Of Residence |
Country
code of residence is missing or Invalid. |
|
|
|
|
|
|
|
BE13 |
Invalid
Debtor |
Country code of debtor's residence is missing or Invalid |
|
|
|
|
|
|
|
BE14 |
Invalid
Creditor |
Country code of creditor's residence is missing or Invalid |
|
|
|
|
|
|
|
BE15 |
Invalid |
Identification code missing or invalid. Generic usage if cannot specifically identify debtor or creditor. |
|
|
|
|
|
|
|
BE16 |
Invalid
Debtor |
Debtor or Ultimate Debtor identification code missing or invalid |
|
|
|
|
|
|
|
BE17 |
Invalid Creditor
Identification |
Creditor or Ultimate Creditor identification code missing or invalid |
|
|
|
|
|
|
|
BE18 |
Invalid
Contact |
Contact details missing or invalid |
|
|
|
|
|
|
|
BE19 |
Invalid
Charge |
Charge bearer code for transaction type is invalid |
|
|
|
|
|
|
|
BE20 |
Invalid
Name |
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 |
Creditor name is missing |
|
|
|
|
|
|
|
ISO Code |
ISO Name |
Erläuterung |
MT
DTA |
Verwendung |
Reason Codes |
DTA |
|||
S |
S |
S |
Bundes |
Ande |
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 |
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 To Apply |
Rückruf wegen Ermittlungsersuchen
SEPA Reason Code bei: SDD CAMT.056 |
926 |
|
X |
|
X |
|
|
ISO Code |
ISO Name |
Erläuterung |
MT
DTA |
Verwendung |
Reason Codes |
DTA |
|||
S |
S |
S |
Bundes |
Ande |
R- |
||||
DS01 |
Electronic |
The electronic signature(s) is/are correct |
|
|
|
|
|
|
|
DS02 |
Order
Cancelled |
An authorized user has cancelled the order |
|
|
|
|
|
|
|
DS03 |
Order Not |
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 |
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 |
|
|