{
  "id": "iso20022-return-reason",
  "name": "ExternalReturnReason",
  "fullName": "Return reason of a payment (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": 104,
  "codes": [
    {
      "code": "AC01",
      "name": "Format of the account number specified is not correct",
      "group": "code"
    },
    {
      "code": "AC03",
      "name": "Wrong IBAN in SCT",
      "group": "code"
    },
    {
      "code": "AC04",
      "name": "Account number specified has been closed on the bank of account's books",
      "group": "code"
    },
    {
      "code": "AC06",
      "name": "Account specified is blocked, prohibiting posting of transactions against it",
      "group": "code"
    },
    {
      "code": "AC13",
      "name": "Debtor account type is missing or invalid",
      "group": "code"
    },
    {
      "code": "AC14",
      "name": "An agent in the payment chain is invalid",
      "group": "code"
    },
    {
      "code": "AC15",
      "name": "Account details have changed",
      "group": "code"
    },
    {
      "code": "AC16",
      "name": "Account is in sequestration",
      "group": "code"
    },
    {
      "code": "AC17",
      "name": "Account is in liquidation",
      "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": "AM01",
      "name": "Specified message amount is equal to zero",
      "group": "code"
    },
    {
      "code": "AM02",
      "name": "Specific transaction/message amount is greater than allowed maximum",
      "group": "code"
    },
    {
      "code": "AM03",
      "name": "Specified message amount is an non processable currency outside of existing agreement",
      "group": "code"
    },
    {
      "code": "AM04",
      "name": "Amount of funds available to cover specified message amount is insufficient",
      "group": "code"
    },
    {
      "code": "AM05",
      "name": "Duplication",
      "group": "code"
    },
    {
      "code": "AM06",
      "name": "Specified transaction amount is less than agreed minimum",
      "group": "code"
    },
    {
      "code": "AM07",
      "name": "Amount specified in message has been blocked by regulatory authorities",
      "group": "code"
    },
    {
      "code": "AM09",
      "name": "Amount received is not the amount agreed or expected",
      "group": "code"
    },
    {
      "code": "AM10",
      "name": "Sum of instructed amounts does not equal the control sum",
      "group": "code"
    },
    {
      "code": "ARDT",
      "name": "Already returned original SCT",
      "group": "code"
    },
    {
      "code": "BE01",
      "name": "Identification of end customer is not consistent with associated account number, organisation ID or private ID",
      "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": "BE08",
      "name": "Returned as a result of a bank error",
      "group": "code"
    },
    {
      "code": "CN01",
      "name": "Authorisation is cancelled",
      "group": "code"
    },
    {
      "code": "CNOR",
      "name": "Creditor bank is not registered under this BIC in the CSM",
      "group": "code"
    },
    {
      "code": "CNPC",
      "name": "Cash not picked up by Creditor or cash could not be delivered to Creditor",
      "group": "code"
    },
    {
      "code": "CURR",
      "name": "Currency of the payment is incorrect",
      "group": "code"
    },
    {
      "code": "CUST",
      "name": "Cancellation requested by the Debtor",
      "group": "code"
    },
    {
      "code": "DNOR",
      "name": "Debtor bank is not registered under this BIC in the CSM",
      "group": "code"
    },
    {
      "code": "DS28",
      "name": "Return following technical problems resulting in erroneous transaction",
      "group": "code"
    },
    {
      "code": "DT01",
      "name": "Invalid date (eg, wrong settlement date)",
      "group": "code"
    },
    {
      "code": "DT02",
      "name": "Cheque has been issued but not deposited and is considered expired",
      "group": "code"
    },
    {
      "code": "ED01",
      "name": "Correspondent bank not possible",
      "group": "code"
    },
    {
      "code": "ED03",
      "name": "Balance of payments complementary info is requested",
      "group": "code"
    },
    {
      "code": "ED05",
      "name": "Settlement of the transaction has failed",
      "group": "code"
    },
    {
      "code": "EMVL",
      "name": "The card payment is fraudulent and was not processed with EMV technology for an EMV card",
      "group": "code"
    },
    {
      "code": "ERIN",
      "name": "The Extended Remittance Information (ERI) option is not supported",
      "group": "code"
    },
    {
      "code": "FF05",
      "name": "Local Instrument code is missing or invalid",
      "group": "code"
    },
    {
      "code": "FOCR",
      "name": "Return following a cancellation request",
      "group": "code"
    },
    {
      "code": "FR01",
      "name": "Returned as a result of fraud",
      "group": "code"
    },
    {
      "code": "FRTR",
      "name": "Final response/tracking is recalled as mandate is cancelled",
      "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": "MD06",
      "name": "Return of funds requested by end customer",
      "group": "code"
    },
    {
      "code": "MD07",
      "name": "End customer is deceased",
      "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": "NOAS",
      "name": "No response from Beneficiary",
      "group": "code"
    },
    {
      "code": "NOCM",
      "name": "Customer 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",
      "group": "code"
    },
    {
      "code": "NOOR",
      "name": "Original SCT never received",
      "group": "code"
    },
    {
      "code": "PINL",
      "name": "The card payment is fraudulent (lost and stolen fraud) and was processed as EMV transaction without PIN verification",
      "group": "code"
    },
    {
      "code": "RC01",
      "name": "Bank Identifier code specified in the message has an incorrect format (formerly IncorrectFormatForRoutingCode)",
      "group": "code"
    },
    {
      "code": "RC07",
      "name": "Incorrrect BIC of the beneficiary Bank in the SCTR",
      "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": "RUTA",
      "name": "Return following investigation request and no remediation possible",
      "group": "code"
    },
    {
      "code": "SL01",
      "name": "Due to specific service offered by the Debtor Agent",
      "group": "code"
    },
    {
      "code": "SL02",
      "name": "Due to specific service offered by the Creditor 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"
    },
    {
      "code": "SP01",
      "name": "Payment is stopped by account holder",
      "group": "code"
    },
    {
      "code": "SP02",
      "name": "Previously stopped by means of a stop payment advise",
      "group": "code"
    },
    {
      "code": "SVNR",
      "name": "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",
      "note": "in an e-commerce situation.",
      "group": "code"
    },
    {
      "code": "TM01",
      "name": "Associated message was received after agreed processing cut-off time",
      "group": "code"
    },
    {
      "code": "TRAC",
      "name": "Return following direct debit being removed from tracking process",
      "group": "code"
    },
    {
      "code": "UPAY",
      "name": "Payment is not justified",
      "group": "code"
    },
    {
      "code": "AGNT",
      "name": "Agent in the payment workflow is incorrect",
      "group": "code"
    },
    {
      "code": "FF06",
      "name": "Category Purpose code is missing or invalid",
      "group": "code"
    },
    {
      "code": "RC08",
      "name": "ClearingSystemMemberidentifier is invalid or missing",
      "note": "Generic usage if cannot specify between debit or credit account.",
      "group": "code"
    },
    {
      "code": "BE11",
      "name": "Creditor country code is missing or invalid",
      "group": "code"
    },
    {
      "code": "BE17",
      "name": "Creditor or Ultimate Creditor identification code missing or invalid",
      "group": "code"
    },
    {
      "code": "AC02",
      "name": "Debtor account number invalid or missing",
      "group": "code"
    },
    {
      "code": "RR11",
      "name": "Invalid or missing identification of a bank proprietary service",
      "group": "code"
    },
    {
      "code": "BE10",
      "name": "Debtor country code is missing or invalid",
      "group": "code"
    },
    {
      "code": "BE16",
      "name": "Debtor or Ultimate Debtor identification code missing or invalid",
      "group": "code"
    },
    {
      "code": "RC11",
      "name": "Intermediary Agent is invalid or missing",
      "group": "code"
    },
    {
      "code": "RR12",
      "name": "Invalid or missing identification required within a particular country or payment type",
      "group": "code"
    },
    {
      "code": "FF03",
      "name": "Payment Type Information is missing or invalid",
      "note": "Generic usage if cannot specify Service Level or Local Instrument code.",
      "group": "code"
    },
    {
      "code": "FF07",
      "name": "Purpose is missing or invalid",
      "group": "code"
    },
    {
      "code": "FF04",
      "name": "Service Level code is missing or invalid",
      "group": "code"
    },
    {
      "code": "RR09",
      "name": "Structured creditor reference invalid or missing",
      "group": "code"
    },
    {
      "code": "RR05",
      "name": "Regulatory or Central Bank Reporting information missing, incomplete or invalid",
      "group": "code"
    },
    {
      "code": "RR07",
      "name": "Remittance information structure does not comply with rules for payment type",
      "group": "code"
    },
    {
      "code": "RR08",
      "name": "Remittance information truncated to comply with rules for payment type",
      "group": "code"
    },
    {
      "code": "RR06",
      "name": "Tax information missing, incomplete or invalid",
      "group": "code"
    },
    {
      "code": "AG07",
      "name": "Debtor account cannot be debited for a generic reason",
      "note": "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.",
      "group": "code"
    },
    {
      "code": "G004",
      "name": "In a FIToFI Customer Credit Transfer: Credit to the creditor’s account is pending, status Originator is waiting for funds provided via a cover",
      "note": "Update will follow from the Status Originator.",
      "group": "code"
    },
    {
      "code": "MD05",
      "name": "Creditor or creditor's agent should not have collected the direct debit",
      "group": "code"
    },
    {
      "code": "AC07",
      "name": "Creditor account number closed",
      "group": "code"
    },
    {
      "code": "DC04",
      "name": "Return of Covering Settlement due to the underlying Credit Transfer details not being received",
      "group": "code"
    },
    {
      "code": "RC04",
      "name": "Creditor bank identifier is invalid or missing",
      "group": "code"
    },
    {
      "code": "DT04",
      "name": "Future date not supported",
      "group": "code"
    },
    {
      "code": "DUPL",
      "name": "Payment is a duplicate of another payment",
      "group": "code"
    },
    {
      "code": "RC03",
      "name": "Debtor bank identifier is invalid or missing",
      "group": "code"
    }
  ]
}