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ISO 20022 Reason Codes
Look up the reason codes on ISO 20022 rejects, returns and recalls — pacs.002, pacs.004, camt.056 and camt.029 — with the official definition, what to do next and how SEPA uses each code. Open any code for its own page.
Follows ISO 20022 External Code SetsExternalStatusReason1Code · ExternalReturnReason1Code · ExternalCancellationReason1Code · ExternalPaymentCancellationRejection1Code·verified Oct 2026· double-checked Oct 2026— definitions and code-set membership checked against the November 2025 (v2) release; SEPA notes follow the EPC SCT, SCT Inst and SDD rulebooks
51 of 51 codes
| Code | Name | Used in | ISO definition |
|---|---|---|---|
| AB05 | Timeout at the creditor agent Format & timing | pacs.002 | Transaction stopped due to timeout at the Creditor Agent. |
| AB06 | Timeout at the instructed agent Format & timing | pacs.002 | Transaction stopped due to timeout at the Instructed Agent. |
| AB08 | Creditor agent is not online Format & timing | pacs.002 | Creditor Agent is not online. |
| AC01 | Incorrect account number Account | pacs.002 · pacs.004 | Account number is invalid or missing. |
| AC02 | Invalid debtor account number Account | pacs.002 · pacs.004 · camt.056 | Debtor account number invalid or missing |
| AC03 | Invalid creditor account number Account | pacs.002 · pacs.004 · camt.056 | Creditor account number invalid or missing |
| AC04 | Closed account number Account | pacs.002 · pacs.004 · camt.029 | Account number specified has been closed on the bank of account's books. |
| AC06 | Blocked account Account | pacs.002 · pacs.004 | Account specified is blocked, prohibiting posting of transactions against it. |
| AC13 | Invalid debtor account type Account | pacs.002 · pacs.004 | Debtor account type missing or invalid |
| AG01 | Transaction forbidden Account | pacs.002 · pacs.004 | Transaction forbidden on this type of account (formerly NoAgreement) |
| AG02 | Invalid bank operation code Format & timing | pacs.002 · pacs.004 | Bank Operation code specified in the message is not valid for receiver |
| AGNT | Incorrect agent Agent & routing | pacs.002 · pacs.004 · camt.056 · camt.029 | Agent in the payment workflow is incorrect |
| AM02 | Amount not allowed Amount & duplicates | pacs.002 · pacs.004 | Specific transaction/message amount is greater than allowed maximum |
| AM04 | Insufficient funds Amount & duplicates | pacs.002 · pacs.004 · camt.029 | Amount of funds available to cover specified message amount is insufficient. |
| AM05 | Duplication Amount & duplicates | pacs.002 · pacs.004 | Duplication |
| AM09 | Wrong amount Amount & duplicates | pacs.002 · pacs.004 · camt.056 | Amount received is not the amount agreed or expected |
| ARDT | Already returned Recall & investigation | pacs.004 · camt.029 | Already returned original SCT |
| BE01 | Inconsistent with end customer Party & address | pacs.002 · pacs.004 | Identification of end customer is not consistent with associated account number. (formerly CreditorConsistency). |
| BE04 | Missing creditor address Party & address | pacs.002 · pacs.004 | Specification of creditor's address, which is required for payment, is missing/not correct (formerly IncorrectCreditorAddress). |
| BE05 | Unrecognised initiating party Party & address | pacs.002 · pacs.004 | Party who initiated the message is not recognised by the end customer |
| CNOR | Creditor bank not registered Agent & routing | pacs.002 · pacs.004 | Creditor bank is not registered under this BIC in the CSM |
| CURR | Incorrect currency Amount & duplicates | pacs.002 · pacs.004 · camt.056 | Currency of the payment is incorrect |
| CUST | Requested by customer Generic | pacs.002 · pacs.004 · camt.056 · camt.029 | Cancellation requested by the Debtor |
| DNOR | Debtor bank not registered Agent & routing | pacs.002 · pacs.004 | Debtor bank is not registered under this BIC in the CSM |
| DS24 | Waiting time expired Format & timing | pacs.002 · camt.056 | Waiting time expired due to incomplete order |
| DUPL | Duplicate payment Amount & duplicates | pacs.002 · pacs.004 · camt.056 | Payment or charge is a duplicate of another payment or charge. |
| ED05 | Settlement failed Agent & routing | pacs.002 · pacs.004 | Settlement of the transaction has failed. |
| ERIN | ERI option not supported Format & timing | pacs.002 · pacs.004 | Extended Remittance Information (ERI) option is not supported. |
| FF01 | Invalid file format Format & timing | pacs.002 | File Format incomplete or invalid |
| FOCR | Following cancellation request Recall & investigation | pacs.002 · pacs.004 | Return following a cancellation request. |
| FRAD | Fraudulent origin Recall & investigation | pacs.002 · camt.056 | Cancellation requested following a transaction that was originated fraudulently. The use of the FraudulentOrigin code should be governed by jurisdictions. |
| LEGL | Legal decision Recall & investigation | camt.029 | Reported when the cancellation cannot be accepted because of regulatory rules. |
| MD01 | No mandate Direct debit & mandate | pacs.002 · pacs.004 | No Mandate |
| MD02 | Missing mandate information Direct debit & mandate | pacs.002 · pacs.004 | Mandate related information data required by the scheme is missing. |
| MD06 | Refund request by end customer Direct debit & mandate | pacs.002 · pacs.004 · camt.056 | Return of funds requested by end customer |
| MD07 | End customer deceased Direct debit & mandate | pacs.002 · pacs.004 | End customer is deceased. |
| MS02 | Reason not specified, customer generated Generic | pacs.002 · pacs.004 | Reason has not been specified by end customer |
| MS03 | Reason not specified, agent generated Generic | pacs.002 · pacs.004 | Reason has not been specified by agent. |
| NARR | Narrative reason Generic | pacs.002 · pacs.004 · camt.056 · camt.029 | Reason is provided as narrative information in the additional reason information. |
| NOAS | No answer from beneficiary Recall & investigation | pacs.002 · pacs.004 · camt.029 | No response from Beneficiary. |
| NOOR | No original transaction received Recall & investigation | pacs.004 · camt.029 | Original SCT never received |
| RC01 | Bank identifier incorrect Agent & routing | pacs.002 · pacs.004 | Bank identifier code specified in the message has an incorrect format (formerly IncorrectFormatForRoutingCode). |
| RR01 | Missing debtor account or identification Regulatory | pacs.002 · pacs.004 | Specification of the debtor’s account or unique identification needed for reasons of regulatory requirements is insufficient or missing |
| RR02 | Missing debtor name or address Regulatory | pacs.002 · pacs.004 | Specification of the debtor’s name and/or address needed for regulatory requirements is insufficient or missing. |
| RR03 | Missing creditor name or address Regulatory | pacs.002 · pacs.004 | Specification of the creditor’s name and/or address needed for regulatory requirements is insufficient or missing. |
| RR04 | Regulatory reason Regulatory | pacs.002 · pacs.004 · camt.029 | Regulatory Reason |
| SL01 | Specific service offered by the debtor agent Direct debit & mandate | pacs.002 · pacs.004 | Due to specific service offered by the Debtor Agent. |
| SL11 | Creditor not on the debtor's whitelist Direct debit & mandate | pacs.002 · pacs.004 | 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. |
| TECH | Technical problem Recall & investigation | camt.056 | Cancellation requested following technical problems resulting in an erroneous transaction. |
| TM01 | Received after cut-off time Format & timing | pacs.002 · pacs.004 | Associated message, payment information block, or transaction was received after agreed processing cut-off time. |
| UPAY | Undue payment Amount & duplicates | pacs.002 · pacs.004 · camt.056 | Payment is not justified. |
Where the code sits
| Message | Use | Element |
|---|---|---|
| pacs.002 | Reject or status report | TxInfAndSts/StsRsnInf/Rsn/Cd |
| pacs.004 | Return of funds | TxInf/RtrRsnInf/Rsn/Cd |
| camt.056 | Recall (cancellation request) | Undrlyg/TxInf/CxlRsnInf/Rsn/Cd |
| camt.029 | Answer to a recall | CxlDtls/TxInfAndSts/CxlStsRsnInf/Rsn/Cd |
A code can mean slightly different things in different messages: CUST is the payer's request in a camt.056 but the beneficiary's refusal in a camt.029. Each code page quotes the definition per message. Paste a whole message into the ISO 20022 Validator to have its reason codes explained in context.
Definitions are quoted from the ISO 20022 External Code Sets, checked against the November 2025 (v2) release (verified 2026-10-15).
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