R82 - Invalid Foreign Receiving DFI Identification
The identification of the foreign receiving financial institution in the IAT entry is invalid - the foreign bank identifier could not be resolved.
R82 - Invalid Foreign Receiving DFI Identification
The identification of the foreign receiving financial institution in the IAT entry is invalid - the foreign bank identifier could not be resolved. This rejection is recoverable: correct the cause and the same payment can be resubmitted.
What this code means
The identification of the foreign receiving financial institution in the IAT entry is invalid - the foreign bank identifier could not be resolved.
Typical causes
- Foreign bank identifier (e.g. BIC/SWIFT or national clearing code) wrong or expired
- Wrong identification-number qualifier used for the destination country
- Foreign institution identifier not recognised by the gateway
What to do
Correct the foreign RDFI identification (and its identification-number qualifier) and re-send.
What it looks like in an ACH return
The return arrives as an Addenda Record (type 99), 94 characters wide. The return reason code sits in positions 4-6.
799R82091000010000001 09100001 091000019000001Tools for this code
Decode a real status report, or check a payment file before you send it — all in your browser, nothing uploaded.
Related codes
Source: Nacha ISO 20022 mapping guide + Federal Reserve ACH Return Reason Report + US Treasury Green Book · Last verified: 2026-07-13
Checked against: nacha.org · frbservices.org