← ISO 20022 Reason Codes
ISO 20022 reason code · pacs.002 · pacs.004

BE04Missing creditor address

What does reason code BE04 mean?

Missing creditor address. Specification of creditor's address, which is required for payment, is missing/not correct (formerly IncorrectCreditorAddress).

Code
BE04
Group
Party & address
Used in
pacs.002 (reject or status report), pacs.004 (return of funds)

What to do when you receive BE04

  • Send the creditor's address, structured (street, town, post code, country) or at least town and country.
  • Fully unstructured addresses are being retired on Swift CBPR+ and in SEPA; the end-dates moved in August and September 2026.

Definition by message

MessageISO 20022 definition
pacs.002Specification of creditor's address, which is required for payment, is missing/not correct (formerly IncorrectCreditorAddress).TxInfAndSts/StsRsnInf/Rsn/Cd
pacs.004Specification of creditor's address, which is required for payment, is missing/not correct (formerly IncorrectCreditorAddress).TxInf/RtrRsnInf/Rsn/Cd

Decode any value

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Open the ISO 20022 Reason Codes

Related codes

RR03Missing creditor name or addressRR02Missing debtor name or addressBE01Inconsistent with end customer

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