{
  "id": "iso20022-mandate-reason",
  "name": "ExternalMandateReason",
  "fullName": "Mandate processing reason (ISO 20022)",
  "standard": "ISO 20022",
  "agency": "ISO 20022 Registration Authority",
  "source": {
    "name": "ISO 20022 External Code Sets — publication 1Q2026",
    "url": "https://www.iso20022.org/catalogue-messages/additional-content-messages/external-code-sets",
    "version": "External Code Sets 1Q2026"
  },
  "license": "CC-BY-4.0",
  "lastVerified": "2026-08-20",
  "count": 48,
  "codes": [
    {
      "code": "AC01",
      "name": "Format of the account number specified is not correct",
      "group": "code"
    },
    {
      "code": "AC04",
      "name": "Account number specified has been closed on the Receiver's books",
      "group": "code"
    },
    {
      "code": "AC06",
      "name": "Account specified is blocked, prohibiting posting of transactions against it",
      "group": "code"
    },
    {
      "code": "AG01",
      "name": "Transaction forbidden on this type of account (formerly NoAgreement)",
      "group": "code"
    },
    {
      "code": "AG02",
      "name": "Bank Operation code specified in the message is not valid for receiver",
      "group": "code"
    },
    {
      "code": "AM02",
      "name": "Specific transaction/message amount is greater than allowed maximum",
      "group": "code"
    },
    {
      "code": "AM03",
      "name": "Specified message amount is a non processable currency outside of existing agreement",
      "group": "code"
    },
    {
      "code": "AM05",
      "name": "Duplication",
      "group": "code"
    },
    {
      "code": "BE01",
      "name": "Identification of end customer is not consistent with associated account number",
      "note": "(formerly CreditorConsistency).",
      "group": "code"
    },
    {
      "code": "BE04",
      "name": "Specification of creditor's address, which is required for payment, is missing/not correct (formerly IncorrectCreditorAddress)",
      "group": "code"
    },
    {
      "code": "BE05",
      "name": "Party who initiated the message is not recognised by the end customer",
      "group": "code"
    },
    {
      "code": "BE06",
      "name": "End customer specified is not known at associated Sort/National Bank Code or does no longer exist in the books",
      "group": "code"
    },
    {
      "code": "BE07",
      "name": "Specification of debtor's address, which is required for payment, is missing/not correct",
      "group": "code"
    },
    {
      "code": "DT01",
      "name": "Invalid date (eg, wrong settlement date)",
      "group": "code"
    },
    {
      "code": "FF01",
      "name": "File format incomplete or invalid",
      "group": "code"
    },
    {
      "code": "MD01",
      "name": "No Mandate",
      "group": "code"
    },
    {
      "code": "MD02",
      "name": "Mandate related information data required by the scheme is missing",
      "group": "code"
    },
    {
      "code": "MD07",
      "name": "End customer is deceased",
      "group": "code"
    },
    {
      "code": "MD08",
      "name": "Receiving agent does not offer specified Mandate services",
      "group": "code"
    },
    {
      "code": "MD09",
      "name": "Account is not open to specified Mandates services",
      "group": "code"
    },
    {
      "code": "MD10",
      "name": "Account is not open to specified Mandates services for this particular creditor",
      "group": "code"
    },
    {
      "code": "MD11",
      "name": "Agent to whom the message needs to be forwarded cannot be located",
      "group": "code"
    },
    {
      "code": "MD12",
      "name": "Mandate identification is not unique to the creditor",
      "group": "code"
    },
    {
      "code": "MD13",
      "name": "There is a problem with the customer authentication",
      "group": "code"
    },
    {
      "code": "MD14",
      "name": "Agent in the payment workflow is incorrect",
      "group": "code"
    },
    {
      "code": "MD15",
      "name": "Currency of the transaction is incorrect",
      "group": "code"
    },
    {
      "code": "MD16",
      "name": "Cancellation/amendment requested by the debtor",
      "group": "code"
    },
    {
      "code": "MD17",
      "name": "Cancellation/amendment requested by the creditor",
      "group": "code"
    },
    {
      "code": "MD18",
      "name": "Cancellation/amendment requested by the creditor and the debtor",
      "group": "code"
    },
    {
      "code": "MD19",
      "name": "Mandate cancellation following early reimbursement of the debit by the debtor",
      "group": "code"
    },
    {
      "code": "MD20",
      "name": "Mandate cancellation following validity expiration",
      "group": "code"
    },
    {
      "code": "MD21",
      "name": "Mandate cancellation due to suspected fraud",
      "group": "code"
    },
    {
      "code": "MD22",
      "name": "Mandate cancellation following mandate initiation cancellation",
      "group": "code"
    },
    {
      "code": "MD23",
      "name": "Mandate cancellation following mandate amendment cancellation",
      "group": "code"
    },
    {
      "code": "MS02",
      "name": "Reason has not been specified by end customer",
      "group": "code"
    },
    {
      "code": "MS03",
      "name": "Reason has not been specified by agent",
      "group": "code"
    },
    {
      "code": "NARR",
      "name": "Reason is provided as narrative information in the additional reason information",
      "group": "code"
    },
    {
      "code": "RC01",
      "name": "Bank Identifier code specified in the message has an incorrect format (formerly IncorrectFormatForRoutingCode)",
      "group": "code"
    },
    {
      "code": "RF01",
      "name": "Transaction reference is not unique within the message",
      "group": "code"
    },
    {
      "code": "RR01",
      "name": "Specification of the debtor’s account or unique identification needed for reasons of regulatory requirements is insufficient or missing",
      "group": "code"
    },
    {
      "code": "RR02",
      "name": "Specification of the debtor’s name and/or address needed for regulatory requirements is insufficient or missing",
      "group": "code"
    },
    {
      "code": "RR03",
      "name": "Specification of the creditor’s name and/or address needed for regulatory requirements is insufficient or missing",
      "group": "code"
    },
    {
      "code": "RR04",
      "name": "Regulatory Reason",
      "group": "code"
    },
    {
      "code": "SL01",
      "name": "Due to specific service offered by the Debtor Agent",
      "group": "code"
    },
    {
      "code": "SL11",
      "name": "Whitelisting service offered by the Debtor Agent; Debtor has not included the Creditor on its “Whitelist” (yet)",
      "note": "In the Whitelist the Debtor may list all allowed Creditors to debit Debtor bank account.",
      "group": "code"
    },
    {
      "code": "SL12",
      "name": "Blacklisting service offered by the Debtor Agent; Debtor included the Creditor on his “Blacklist”",
      "note": "In the Blacklist the Debtor may list all Creditors not allowed to debit Debtor bank account.",
      "group": "code"
    },
    {
      "code": "SL13",
      "name": "Due to Maximum allowed Direct Debit Transactions per period service offered by the Debtor Agent",
      "group": "code"
    },
    {
      "code": "SL14",
      "name": "Due to Maximum allowed Direct Debit Transaction amount service offered by the Debtor Agent",
      "group": "code"
    }
  ]
}