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 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.
|