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