ExternalReturnReason — Return reason of a payment (ISO 20022)

Name: ExternalReturnReason — Return reason of a payment (ISO 20022)
Creator: ISO 20022 Registration Authority
License: https://creativecommons.org/licenses/by/4.0/

ExternalReturnReason1Code zegt waarom een reeds uitgevoerde betaling terugkwam: gesloten rekening (AC04), onvoldoende saldo (AM04), geen mandaat (MD01). Hij staat in de RtrInf/Rsn/Cd van een camt.052/053/054-afschrift en van een pacs.004-retour.

ExternalReturnReason (Return reason of a payment (ISO 20022))

ISO 20022 104 codes ISO 20022 Registration Authority

Overzicht

Wanneer gebruikt

Dit is de code die u leest wanneer geld weggaat en dagen later weer op het afschrift verschijnt. Hij deelt zijn codes met de payment status reasons, maar niet hun betekenis: een statusreden verklaart een betaling die nooit is doorgegaan, een retourreden één die doorging en werd teruggestuurd.

Officiële bron: ISO 20022 External Code Sets — publication 1Q2026 Laatst geverifieerd: 2026-08-20Licentie: CC-BY-4.0

JSON downloaden

Retourredencodes (104)

Code	Betekenis
AC01	Format of the account number specified is not correct
AC03	Wrong IBAN in SCT
AC04	Account number specified has been closed on the bank of account's books
AC06	Account specified is blocked, prohibiting posting of transactions against it
AC13	Debtor account type is missing or invalid
AC14	An agent in the payment chain is invalid
AC15	Account details have changed
AC16	Account is in sequestration
AC17	Account is in liquidation
AG01	Transaction forbidden on this type of account (formerly NoAgreement)
AG02	Bank Operation code specified in the message is not valid for receiver
AM01	Specified message amount is equal to zero
AM02	Specific transaction/message amount is greater than allowed maximum
AM03	Specified message amount is an non processable currency outside of existing agreement
AM04	Amount of funds available to cover specified message amount is insufficient
AM05	Duplication
AM06	Specified transaction amount is less than agreed minimum
AM07	Amount specified in message has been blocked by regulatory authorities
AM09	Amount received is not the amount agreed or expected
AM10	Sum of instructed amounts does not equal the control sum
ARDT	Already returned original SCT
BE01	Identification of end customer is not consistent with associated account number, organisation ID or private ID
BE04	Specification of creditor's address, which is required for payment, is missing/not correct (formerly IncorrectCreditorAddress)
BE05	Party who initiated the message is not recognised by the end customer
BE06	End customer specified is not known at associated Sort/National Bank Code or does no longer exist in the books
BE07	Specification of debtor's address, which is required for payment, is missing/not correct
BE08	Returned as a result of a bank error
CN01	Authorisation is cancelled
CNOR	Creditor bank is not registered under this BIC in the CSM
CNPC	Cash not picked up by Creditor or cash could not be delivered to Creditor
CURR	Currency of the payment is incorrect
CUST	Cancellation requested by the Debtor
DNOR	Debtor bank is not registered under this BIC in the CSM
DS28	Return following technical problems resulting in erroneous transaction
DT01	Invalid date (eg, wrong settlement date)
DT02	Cheque has been issued but not deposited and is considered expired
ED01	Correspondent bank not possible
ED03	Balance of payments complementary info is requested
ED05	Settlement of the transaction has failed
EMVL	The card payment is fraudulent and was not processed with EMV technology for an EMV card
ERIN	The Extended Remittance Information (ERI) option is not supported
FF05	Local Instrument code is missing or invalid
FOCR	Return following a cancellation request
FR01	Returned as a result of fraud
FRTR	Final response/tracking is recalled as mandate is cancelled
MD01	No Mandate
MD02	Mandate related information data required by the scheme is missing
MD06	Return of funds requested by end customer
MD07	End customer is deceased
MS02	Reason has not been specified by end customer
MS03	Reason has not been specified by agent
NARR	Reason is provided as narrative information in the additional reason information
NOAS	No response from Beneficiary
NOCM	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
NOOR	Original SCT never received
PINL	The card payment is fraudulent (lost and stolen fraud) and was processed as EMV transaction without PIN verification
RC01	Bank Identifier code specified in the message has an incorrect format (formerly IncorrectFormatForRoutingCode)
RC07	Incorrrect BIC of the beneficiary Bank in the SCTR
RF01	Transaction reference is not unique within the message
RR01	Specification of the debtor’s account or unique identification needed for reasons of regulatory requirements is insufficient or missing
RR02	Specification of the debtor’s name and/or address needed for regulatory requirements is insufficient or missing
RR03	Specification of the creditor’s name and/or address needed for regulatory requirements is insufficient or missing
RR04	Regulatory Reason
RUTA	Return following investigation request and no remediation possible
SL01	Due to specific service offered by the Debtor Agent
SL02	Due to specific service offered by the Creditor Agent
SL11	Whitelisting service offered by the Debtor Agent; Debtor has not included the Creditor on its “Whitelist” (yet)In the Whitelist the Debtor may list all allowed Creditors to debit Debtor bank account.
SL12	Blacklisting service offered by the Debtor Agent; Debtor included the Creditor on his “Blacklist”In the Blacklist the Debtor may list all Creditors not allowed to debit Debtor bank account.
SL13	Due to Maximum allowed Direct Debit Transactions per period service offered by the Debtor Agent
SL14	Due to Maximum allowed Direct Debit Transaction amount service offered by the Debtor Agent
SP01	Payment is stopped by account holder
SP02	Previously stopped by means of a stop payment advise
SVNR	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.gin an e-commerce situation.
TM01	Associated message was received after agreed processing cut-off time
TRAC	Return following direct debit being removed from tracking process
UPAY	Payment is not justified
AGNT	Agent in the payment workflow is incorrect
FF06	Category Purpose code is missing or invalid
RC08	ClearingSystemMemberidentifier is invalid or missingGeneric usage if cannot specify between debit or credit account.
BE11	Creditor country code is missing or invalid
BE17	Creditor or Ultimate Creditor identification code missing or invalid
AC02	Debtor account number invalid or missing
RR11	Invalid or missing identification of a bank proprietary service
BE10	Debtor country code is missing or invalid
BE16	Debtor or Ultimate Debtor identification code missing or invalid
RC11	Intermediary Agent is invalid or missing
RR12	Invalid or missing identification required within a particular country or payment type
FF03	Payment Type Information is missing or invalidGeneric usage if cannot specify Service Level or Local Instrument code.
FF07	Purpose is missing or invalid
FF04	Service Level code is missing or invalid
RR09	Structured creditor reference invalid or missing
RR05	Regulatory or Central Bank Reporting information missing, incomplete or invalid
RR07	Remittance information structure does not comply with rules for payment type
RR08	Remittance information truncated to comply with rules for payment type
RR06	Tax information missing, incomplete or invalid
AG07	Debtor account cannot be debited for a generic reasonUsage: 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.
G004	In a FIToFI Customer Credit Transfer: Credit to the creditor’s account is pending, status Originator is waiting for funds provided via a coverUpdate will follow from the Status Originator.
MD05	Creditor or creditor's agent should not have collected the direct debit
AC07	Creditor account number closed
DC04	Return of Covering Settlement due to the underlying Credit Transfer details not being received
RC04	Creditor bank identifier is invalid or missing
DT04	Future date not supported
DUPL	Payment is a duplicate of another payment
RC03	Debtor bank identifier is invalid or missing

Alle codelijsten