| AC01 |
Account Identifier incorrect (i.e. invalid IBAN of the Debtor) |
Specified account number is either incorrect or invalid. |
| AC02 |
Invalid Debtor Account Number |
Debtor account number is either invalid or missing. |
| AC03 |
Invalid Creditor Account Number |
Creditor account number is either invalid or missing. |
| AC04 |
Account closed |
Specified account is closed. |
| AC05 |
Closed Debtor Account Number |
Debtor account is closed. |
| AC06 |
Account blocked |
Specified account is blocked, posting of transactions is prohibited. |
| AC07 |
Closed Creditor Account Number |
Creditor account is closed. |
| AC08 |
Invalid Branch Code |
Branch code is either invalid or missing. |
| AC09 |
Invalid Account Currency |
Account currency is either invalid or missing. |
| AC10 |
Invalid Debtor Account Currency |
Debtor account currency is either invalid or missing. |
| AC11 |
Invalid Creditor Account Currency |
Creditor account currency is either invalid or missing. |
| AC12 |
Invalid Account Type |
Account type is either invalid or missing. |
| AC13 |
Debtor account is a consumer account |
Debtor account type is invalid. Used for SDD B2B collections only. |
| AC14 |
Invalid Creditor Account Type |
Creditor account type is either invalid or missing. |
| AG01 |
Direct Debit forbidden on this account for regulatory reasons |
Submitted transaction is forbidden for this type of account for regulatory reasons. |
| AG02 |
Operation code/transaction code/sequence type incorrect, invalid file format |
1) Bank operation code specified in the message is invalid;
2) Sequence type is incorrect;
3) SDD schemes: specified identification code of the scheme is incorrect. |
| AG03 |
Transaction Not Supported |
Specified transaction type is not supported or is not authorized on this account. |
| AG04 |
Invalid Agent Country |
Agent country code is either invalid or missing. |
| AG05 |
Invalid Debtor Agent Country |
Debtor agent country code is either invalid or missing. |
| AG06 |
Invalid Creditor Agent Country |
Creditor agent country code is either invalid or missing. |
| AG07 |
Unsuccessful Direct Debit |
Debtor account cannot be debited for a generic reason. Reason code 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 has failed due to invalid or missing user or access rights. |
| AGNT |
Incorrect Agent |
Agent in the payment workflow is incorrect. |
| AM01 |
Zero Amount |
Transaction amount is equal to zero. |
| AM02 |
Not Allowed Amount |
Transaction amount is greater than allowed maximum. |
| AM03 |
Not Allowed Currency |
Specified currency code cannot be processed. |
| AM04 |
Insufficient Funds |
Available balance is not sufficient to cover the amount of the debit entry. |
| AM05 |
Duplicate collection |
Same SDD collection had been processed in the near past. |
| AM06 |
Too Low Amount |
Transaction amount is less than agreed minimum. |
| AM07 |
Blocked Amount |
Amount of funds available to cover specified transaction amount is insufficient. |
| AM09 |
Wrong Amount |
Received amount has not been agreed or expected. |
| AM10 |
Invalid Control Sum |
Sum of instructed amounts does not equal the control sum. |
| AM11 |
Invalid Transaction Currency |
Transaction currency is either invalid or missing. |
| AM12 |
Invalid Amount |
Transaction amount is either invalid or missing. |
| AM13 |
Amount Exceeds Clearing System Limit |
Transaction amount exceeds the limit set by a clearing system. |
| AM14 |
Amount Exceeds Agreed Limit |
Transaction amount exceeds limit agreed between bank and client. |
| AM15 |
Amount Below Clearing System Minimum |
Transaction amount is below minimum value of a 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 either invalid or missing. |
| AM19 |
Invalid Group Number of Transactions |
Number of transactions at the Group level is either 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 |
Specified transaction has already been returned. |
| BE01 |
Inconsistent With End Customer |
Identification of end customer is not consistent with associated account number. |
| BE04 |
Missing Creditor Address |
Specification of creditor's address, which is required for payment, is either missing or incorrect. |
| BE05 |
Identifier of the Creditor Incorrect |
Creditor identifier is not correct or has been changed without an amendment had been reported. |
| BE06 |
Unknown End Customer |
Specified end customer is not known at associated Sort/National Bank Code or does no longer exist. |
| BE07 |
Missing Debtor Address |
Specification of debtor's address, which is required for payment, is either missing or incorrect. |
| BE08 |
Missing Debtor Name |
Debtor name is missing. |
| BE09 |
Invalid Country |
Country code is either invalid or missing. |
| BE10 |
Invalid Debtor Country |
Debtor country code is either invalid or missing. |
| BE11 |
Invalid Creditor Country |
Creditor country code is is either invalid or missing. |
| BE12 |
Invalid Country Of Residence |
Country code of residence is either invalid or missing. |
| BE13 |
Invalid Debtor Country Of Residence |
Country code of debtor's residence is either invalid or missing. |
| BE14 |
Invalid Creditor Country Of Residence |
Country code of creditor's residence is either invalid or missing. |
| BE15 |
Invalid Identification Code |
Identification code is either invalid or missing. |
| BE16 |
Invalid Debtor Identification Code |
Debtor or Ultimate Debtor identification code is either invalid or missing. |
| BE17 |
Invalid Creditor Identification Code |
Creditor or Ultimate Creditor identification code is either invalid or missing. |
| BE18 |
Invalid Contact Details |
Contact details are either invalid or missing. |
| BE19 |
Invalid Charge Bearer Code |
Charge bearer code for transaction type is invalid. |
| BE20 |
Invalid Name Length |
Name length exceeds local rules for specified payment type. |
| BE21 |
Missing Name |
Name is either invalid or missing. |
| BE22 |
Missing Creditor Name |
Creditor name is missing. |
| CNOR |
Creditor Bank is not registered under this BIC in the CSM |
Creditor bank is not registered under this BIC at the CSM. Contact the creditor bank. |
| CURR |
Incorrect Currency |
Currency of the payment is incorrect. |
| CUST |
Requested by Customer |
Cancellation is requested by the debtor. |
| CUTA |
Cancel Upon Unable to Apply |
Cancellation requested because an investigation request has been received and no remediation is possible. |
| DNOR |
Debtor Bank is not registered under this BIC in the CSM |
Debtor Bank is not registered under this BIC in the CSM. Contact debtor to agree on another means of payment. |
| DS01 |
Electronic Signatures Correct |
Electronic signature is correct. |
| DS02 |
Order Cancelled |
An authorized user has cancelled the order. |
| DS03 |
Order Not Cancelled |
User’s attempt to cancel the order was not successful. |
| DS04 |
Order Rejected |
Order has been rejected by the bank side (for reasons concerning content). |
| DS05 |
Order Forwarded For Post processing |
Order is correct and can be forwarded for post processing. |
| DS06 |
Transfer Order |
Order was transferred to VEU. |
| DS07 |
Processing OK |
All actions concerning the order could be done by the EBICS bank server. |
| DS08 |
Decompression Error |
Decompression of the file was not successful. |
| DS09 |
Decryption Error |
Decryption of the file was not successful. |
| DS0A |
Data Sign Requested |
Data signature is required. |
| DS0B |
Unknown Data Sign Format |
Data signature for the format is invalid or not available. |
| DS0C |
Signer Certificate Revoked |
Signer certificate is revoked. |
| DS0D |
Signer Certificate Not Valid |
Signer certificate is not valid (is either revoked or not active). |
| DS0E |
Incorrect Signer Certificate |
Signer certificate is not present. |
| DS0F |
Signer Certification Authority Signer Not Valid |
Authority of the signer certification sending the certificate is unknown. |
| DS0G |
Not Allowed Payment |
Signer is not allowed to sign an operation of the specified type. |
| DS0H |
Not Allowed Account |
Signer is not allowed to sign for the specified account. |
| DS0K |
Not Allowed Number Of Transaction |
Transaction number is over the number allowed for this signer. |
| DS10 |
Signer 1 Certificate Revoked |
Certificate is revoked for the first signer. |
| DS11 |
Signer 1 Certificate Not Valid |
Certificate is not valid (is either revoked or not active) for the first signer. |
| DS12 |
Incorrect Signer 1 Certificate |
Certificate is not present for the first signer. |
| DS13 |
Signer Certification Authority Signer 1 Not Valid |
Authority of signer certification sending the certificate is unknown for the first signer. |
| DS14 |
User Does Not Exist |
User does not exist within the system. |
| DS15 |
Identical Signature Found |
Same signature has already been sent to the bank. |
| DS16 |
Public Key Version Incorrect |
Public key version is not correct. This code is returned when a customer sends signature files to the financial institution after conversion from an older program version (old ES format) to a new program version (new ES format) without having carried out reinitialisation with regard to a public key change. |
| DS17 |
Different Order Data In Signatures |
Order data in signatures don’t match. |
| DS18 |
Repeat Order |
File cannot be tested; the complete order has to be repeated. This code is returned in the event of a malfunction during the signature check, e.g. not enough storage space. |
| DS19 |
Electronic Signature Rights Insufficient |
User’s rights (concerning his signature) are insufficient to execute the order. |
| DS20 |
Signer 2 Certificate Revoked |
Certificate is revoked for the second signer. |
| DS21 |
Signer 2 Certificate Not Valid |
Certificate is not valid (is either revoked or not active) for the second signer. |
| DS22 |
Incorrect Signer 2 Certificate |
Certificate is not present for the second signer. |
| DS23 |
Signer Certification Authority Signer 2 Not Valid |
Authority of signer certification sending the certificate is unknown for the second signer. |
| DS24 |
Waiting Time Expired |
Waiting time expired due to incomplete order. |
| DS25 |
Order File Deleted |
Order file has been deleted by the bank server (for multiple reasons). |
| DS26 |
User Signed Multiple Times |
Same user has signed multiple times. |
| DS27 |
User Not Yet Activated |
User is not yet activated (technically). |
| DT01 |
Invalid Date |
Invalid date (e.g. wrong settlement date). |
| DT02 |
Invalid Creation Date |
Invalid creation date and time in Group Header. |
| DT03 |
Invalid Non Processing Date |
Invalid non-processing date (e.g. weekend or local public holiday). |
| DT04 |
Future Date Not Supported |
Future date is not supported. |
| DT05 |
Invalid Cut Off Date |
Associated message, payment information block or transaction was received after agreed processing cutoff date, i.e., date in the past. |
| DT06 |
Execution Date Changed |
Execution date has been modified in order for transaction to be processed. |
| DU01 |
Duplicate Message ID |
Message ID is not unique. |
| DU02 |
Duplicate Payment Information ID |
Payment Information Block is not unique. |
| DU03 |
Duplicate Transaction |
Transaction is not unique. |
| DU04 |
Duplicate End To End ID |
End To End ID is not unique. |
| DU05 |
Duplicate Instruction ID |
Instruction ID is not unique. |
| DUPL |
Duplicate Payment |
Submitted payment is a duplicate of another payment. |
| ED01 |
Correspondent Bank Not Possible |
Correspondent bank is not possible. |
| ED03 |
Balance Info Request |
Сomplementary balance information is requested. |
| ED05 |
Settlement Failed |
Settlement of the transaction has failed. |
| EMVL |
EMV Liability Shift |
Card payment is fraudulent and was not processed with EMV technology for an EMV card. |
| FF01 |
File Format incomplete or invalid |
1) XML file was not filled out completely or is inorrect;
2) There is a syntax error in the file;
3) Creditor bank or its intermediary bank did not complete a XSD check before submitting the file into the scheme. |
| FF02 |
Syntax Error |
Syntax error reason is provided as narrative information in the additional reason information. |
| FF03 |
Invalid Payment Type Information |
Payment Type Information is either invalid or missing. |
| FF04 |
Invalid Service Level Code |
Service Level code is either invalid or missing. |
| FF05 |
Operation code/transaction code type incorrect (Direct Debit Type (CORE, COR1) incorrect) |
SDD Core: specified identification code of the scheme (i.e. local instrument) is incorrect. |
| FF06 |
Invalid Category Purpose Code |
Category Purpose code is either invalid or missing. |
| FF07 |
Invalid Purpose |
Purpose is either invalid or missing. |
| FF08 |
Invalid End To End Id |
End to End ID is either invalid or missing. |
| FF09 |
Invalid Cheque Number |
Cheque number is either invalid or missing. |
| FF10 |
Bank System Processing Error |
File or transaction cannot be processed due to technical issues at the bank side. |
| FOCR |
Following Cancellation Request |
Designation for a return on the basis of a recall request. |
| FRAD |
Payment effected fraudulently |
Payment is fraudulent originated. |
| ID01 |
Corresponding Original File Still Not Sent |
Signature file was sent to the bank but the corresponding original file has not been sent yet. |
| LEGL |
Legal Decision |
Rejection on legal grounds. |
| MD01 |
No mandate |
1) Mandate does not exist;
2) B2B mandate have not been confirmed by the debtor;
3) Refund transaction is unauthorised (For SDD Core collections only);
4) Mandate has been cancelled. |
| MD02 |
Mandate data missing or incorrect |
1) Mandate data in the mandate related information is not identical to those in the mandate (amendments had not been communicated);
2) Mandate data is not consistent with version that has been already received for the UMR;
3) In case of mandate amendment: the original IBAN and the IBAN in the collection are the same. |
| MD03 |
Invalid File Format For Other Reason Than Grouping Indicator |
File format is either incomplete or invalid. |
| MD05 |
Collection Not Due |
Creditor or creditor's agent should not have collected the direct debit. |
| MD06 |
Disputed authorized transaction |
Unconditional refund of a transaction. Used for SDD Core collections only. |
| MD07 |
Debtor Deceased |
Debtor has deceased. Used for SDD Core collections only. |
| MD08 |
No Mandate Service By Agent |
Receiving agent does not offer specified mandate service. |
| MD09 |
No Mandate Service On Customer |
Account is not open to specified mandate service. |
| MD10 |
No Mandate Service For Specified |
Account is not open to specified mandate service for this particular creditor. |
| MD11 |
Unrecognised Agent |
Agent to whom the message needs to be forwarded cannot be located. |
| MD12 |
Not Unique Mandate Reference |
Mandate identification is not unique to the creditor. |
| MD13 |
Incorrect Customer Authentication |
There is a problem with the customer authentication. |
| MD14 |
Incorrect Agent |
Agent in the payment workflow is incorrect. |
| MD15 |
Incorrect Currency |
Specified currency is incorrect. |
| MD16 |
Requested By Customer |
Cancellation/amendment is requested by the debtor. |
| MD17 |
Requested By Initiating Party |
Cancellation/amendment is requested by the creditor. |
| MS02 |
Refusal by the Debtor |
Reason has not been specified by end customer. |
| MS03 |
Reason not specified |
Reason has not been specified by agent. |
| NARR |
Narrative |
Reason is provided as narrative information in the additional reason information. |
| NOAS |
No Answer From Customer |
There is no response from payee. |
| NOOR |
No Original Transaction Received |
Original credit transfer has never been received. |
| PART |
Partial Rejection Of Bulks |
Bulks are partially rejected. |
| PINL |
PIN Liability Shift |
Card payment is fraudulent and was processed as EMV transaction without PIN verification. |
| PY01 |
The Beneficiary Or The Ordering Bank Is Not Participant In The EBA |
Transaction cannot be processed because the beneficiary and/or the ordering bank is not reported as a direct or indirect participant in the EBA. |
| RC01 |
Bank Identifier (BIC) Incorrect |
Specified bank identifier code is mal-formatted or incorrect. |
| RC02 |
Invalid Bank Identifier |
Bank identifier is either invalid or missing. |
| RC03 |
Invalid Debtor Bank Identifier |
Debtor bank identifier is either invalid or missing. |
| RC04 |
Invalid Creditor Bank Identifier |
Creditor bank identifier is either invalid or missing. |
| RC05 |
Invalid BIC Identifier |
BIC identifier is either invalid or missing. |
| RC06 |
Invalid Debtor BIC Identifier |
Debtor BIC identifier is either invalid or missing. |
| RC07 |
Invalid Creditor BIC Identifier |
Creditor BIC identifier is either invalid or missing. |
| RC08 |
Invalid Clearing System Member Identifier |
Clearing System Member identifier is either invalid or missing. |
| RC09 |
Invalid Debtor Clearing System Member Identifier |
Debtor Clearing System Member identifier is either invalid or missing. |
| RC10 |
Invalid Creditor Clearing System Member Identifier |
Creditor Clearing System Member identifier is either invalid or missing. |
| RC11 |
Invalid Intermediary Agent |
Intermediary Agent is either invalid or missing. |
| RC12 |
Missing Creditor Scheme Id |
Creditor Scheme ID is either invalid or missing. |
| RF01 |
Not Unique Transaction Reference |
Transaction reference is not unique within the message. |
| RJCT |
Complete Rejection Of Bulks |
Bulks are rejected completely. |
| RR01 |
Regulatory Reason |
Specification of the debtor’s account or unique identification needed for reasons of regulatory requirements is insufficient or missing. |
| RR02 |
Regulatory Reason |
Specification of the debtor’s name and/or address needed for regulatory requirements is insufficient or missing. |
| RR03 |
Regulatory Reason |
Specification of the creditor’s name and/or address needed for regulatory requirements is insufficient or missing. |
| RR04 |
Regulatory Reason |
Only to be used for Regulatory Reason other than RR01, RR02 or RR03. |
| RR05 |
Regulatory Information Invalid |
Regulatory or Central Bank Reporting information is either missing, incomplete or invalid. |
| RR06 |
Tax Information Invalid |
Tax information is either missing, incomplete or invalid. |
| RR07 |
Remittance Information Invalid |
Remittance information structure does not comply with rules for specified payment type. |
| RR08 |
Remittance Information Truncated |
Remittance information is truncated to comply with rules for specified payment type. |
| RR09 |
Invalid Structured Creditor Reference |
Structured creditor reference is either invalid or missing. |
| RR10 |
Invalid Character Set |
Supplied character set is not valid for specified country and payment type. |
| RR11 |
Invalid Debtor Agent Service ID |
Identification of a bank proprietary service is either invalid or missing. |
| RR12 |
Invalid Party ID |
Identification required within specified country or payment type is either invalid or missing. |
| SL01 |
Specific Service offered by the Debtor Bank |
All debtor-invoked consumer-right rejects creditor blocking, collection amount limitations and collection frequency limitations. |
| SL02 |
Specific Service offered by Creditor Agent |
Due to specific service offered by the Creditor Agent. |
| SVNR |
Service Not Rendered |
Card payment is returned since rendered cash amount was not correct or goods or a service was not rendered to the customer, e.g. in an ecommerce situation. |
| TA01 |
Transmisson Aborted |
Transmission of the file was not successful and had to be aborted for technical reasons. |
| TD01 |
No Data Available |
There is no data available for downloading. |
| TD02 |
File Non Readable |
File cannot be read (e.g. unknown format). |
| TD03 |
Incorrect File Structure |
File format is either incomplete or invalid. |
| TECH |
Technical problems resulting in erroneous credit transfer |
Techinal problems resulting in erroneous SDDs. |
| TM01 |
Invalid Cut Off Time |
Associated message was received after agreed processing cutoff time. |
| TS01 |
Transmission Successful |
Technical transmission of the file was successful. |
| TS04 |
Transfer To Sign By Hand |
Order was transferred to pass by accompanying note signed by hand. |
| UPAY |
Undue Payment |
Payment is not justified. |
| VR01 |
Transaction data integrity validation error |
Transaction data has not been validated by the processor. |
| XD19 |
Incorrect IBAN |
IBAN format is invalid. Issued if the country code is a valid ISO or SEPA country code but structure of IBAN or check digits is incorrect. |
| XD75 |
Unauthorised element in the following combination |
There is an unauthorised element in the following combination. |
| XT13 |
Incorrect file structure |
Transaction contains at least one unsupported field or at least one mandatory field is missing from the transaction. |
| XT27 |
Incorrect BIC |
Transaction contains at least one element with a BIC that is not SEPA-reachable. |
| XT33 |
Incorrect XML field |
The content of at least one XML element is not in the format required. The invalid XML field is indicated by the
error code. |
| XT43 |
Incorrect type of direct debit |
Type of direct debit is incorrect. |
| XT53 |
Verification of the creditor identifier failed |
Verification of creditor indentifiers in structure/checksum has failed. |
| XT73 |
Invalid Country Code |
Two characters forming the country code do not constitute a valid ISO or SEPA country code. |
| XT74 |
Invalid underlying original transaction |
Underlying original transaction is invalid. Further check is required. |
| XT75 |
Invalid status of underlying original transaction |
Status of underlying original transaction is invalid. No further action is required. |
| XT77 |
The originally instructed amount was not found or does not match the original transaction amount |
The originally instructed amount was not found or does not match the original transaction amount. |
| XT78 |
Amount validation failed |
Transaction amount validation has failed. |
| XT79 |
Debtor Agent is not permitted to receive direct debits |
Debtor agent is not permitted to receive direct debits. |
| XT80 |
Creditor Agent is not permitted to send direct debits |
Creditor agent is not permitted to send direct debits. |
| XT85 |
No Settlement Cycle Available |
Settlement cycles are not available. |
| XT90 |
Invalid use of a Technical BIC |
Technical BIC usage is not valid. |
| XT99 |
Direct debit rejected for other reasons |
Credit transfer was rejected for other reasons. |
| XX01 |
Processing Cancelled |
Transaction processing has been cancelled by a customer. |
