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SEPAReason CodesThe SEPA reason codes in thisdocument are sourced from thefollowing European PaymentsCouncil Implementation Guidelinedocumentation which detail thecustomer-to-bank and inter-bankformats for SEPA ISO XML:Direct Debit Customerto Bank scouncil.eu/knowledge bank detail.cfm?documents id 594Direct Debit anpaymentscouncil.eu/knowledge bank detail.cfm?documents id 596Credit Transfer Customerto Bank scouncil.eu/knowledge bank detail.cfm?documents id 587Credit Transfer anpaymentscouncil.eu/knowledge bank detail.cfm?documents id 588Note: These reason codes are valid for Rulebook version 7.0 but may change as new rulebooks are introducedThis document is published by Bank of Ireland, and both it, and its’ contents, are the property of Bank ofIreland. This document may not be reproduced or further distributed, in whole or in part, without the expresswritten permission of Bank of Ireland.Page 1 of 7Code
1) SEPA Direct Debit Reason CodesNote: Any of the reason codes listed for the PACS messages can appear in a PAIN.002 (which is the payment status reportboth SEPA Direct Debit and SEPA Credit Transfer payments)pacs.004 – Bulk Message for Returns/RefundsReturn CodesISO CodeSEPA Reason (as specified in the Rulebook)AC01Account identifier incorrect (i.e. invalid IBAN)AC04Account closedAC06Account blockedAccount blocked for direct debit by the DebtorAG01Direct debit forbidden on this account for regulatory reasonsAG02Operation/transaction code incorrect, invalid file formatUsage Rule: To be used to indicate an incorrect ‘operation/transaction’ codeAM04Insufficient fundsAM05Duplicate collectionBE05Identifier of the Creditor incorrectFF05Direct Debit type incorrectMD01No valid MandateMD07Debtor deceasedMS02Refusal by the DebtorMS03Reason not specifiedRC01Bank identifier incorrect (i.e. invalid BIC)RR01Regulatory ReasonRR02Regulatory ReasonRR03Regulatory ReasonRR04Regulatory ReasonSL01Specific Service offered by the Debtor BankRefund CodesISO CodeSEPA Reason (as specified in the Rulebook)MD01Unauthorised transactionMD06Disputed authorised transactionNote: MD01 appears in the pacs.004 for both a return and a refund. In order to determine whether the transaction is areturn or a refund, the originator value in the Return Reason Information field will be populated with a BIC if it is a return or aname if a debtor has requested a refund.Page 2 of 7Code
pacs.002 – Bulk Message for Rejects/RefusalsISO CodeSEPA Reason (as specified in the Rulebook)AC01Account identifier incorrect (i.e. invalid IBAN)AC04Account closedAC06Account blockedAccount blocked for direct debit by the DebtorAG01Direct debit forbidden on this account for regulatory reasonsAG02Operation/transaction code incorrect, invalid file formatUsage Rule: To be used to indicate an incorrect ‘operation/transaction’ code.AM04Insufficient fundsAM05Duplicate collectionBE05Identifier of the Creditor IncorrectFF01Operation/transaction code incorrect, invalid file formatUsage Rule: To be used to indicate an invalid file formatFF05Direct Debit type incorrectMD01No valid MandateMD02Mandate data missing or incorrectMD07Debtor deceasedMS02Refusal by the DebtorMS03Reason not specifiedRC01Bank identifier incorrect (i.e. invalid BIC)RR01Regulatory ReasonRR02Regulatory ReasonRR03Regulatory ReasonRR04Regulatory ReasonSL01Specific Service offered by the Debtor BankPage 3 of 7Code
PAIN.002 – Payment Status ReportISO CodeSEPA Reason (as specified in the Rulebook)AC01Account identifier incorrect (i.e. invalid IBAN)AC04Account closedAC06Account blockedAccount blocked for Direct Debit by the DebtorAG01Direct debit forbidden on this account for regulatory reasonsAG02Operation/transaction code incorrect, invalid file formatUsage Rule: To be used to indicate an incorrect operation/transaction codeAM04Insufficient fundsAM05Duplicate collectionBE01Debtor’s name does not match with the account holder's nameFF01Operation/transaction code incorrect, invalid file formatUsage Rule: To be used to indicate an invalid file formatMD01No MandateMD02Mandate data missing or incorrectMD07Debtor deceasedMS02Refusal by the DebtorMS03Reason not specifiedRC01Bank identifier incorrect (i.e. invalid BIC)RR01Regulatory ReasonRR02Regulatory ReasonRR03Regulatory ReasonRR04Regulatory ReasonSL01Specific Service offered by the Debtor BankDNORDebtor bank is not registered under this BIC in the CSMCNORCreditor bank is not registered under this BIC in the CSMPage 4 of 7Code
2) SEPA Credit Transfer Reason CodesPacs.004 Bulk Message for ReturnsISO CodeSEPA Reason (as specified in the Rulebook)AC01Account identifier invalid (i.e. invalid IBAN or account number does not exist)AC04Account closedAC06Account blocked, reason not specifiedAG01Credit transfer forbidden on this type of account (e.g. savings account)AG02Operation/transaction code incorrect, invalid file formatUsage Rule: To be used for incorrect ‘operation/transaction’ code or invalid file format.AM05Duplicate paymentBE04Account address invalidFOCRPositive answer to the RecallMD07Beneficiary deceasedMS02By order of the BeneficiaryMS03Reason not specifiedRC01Bank identifier incorrect, e.g., invalid BICRR01Regulatory ReasonRR02Regulatory ReasonRR03Regulatory ReasonRR04Regulatory ReasonPage 5 of 7Code
Pacs.002 Bulk Message for RejectionsISO CodeSEPA Reason (as specified in the Rulebook)AC01Account identifier incorrect (i.e. invalid IBAN)AG02Operation/transaction code incorrect, invalid file formatUsage Rule: To be used for incorrect ‘operation/transaction’ code.FF01Operation/transaction code incorrect, invalid file formatUsage Rule: To be used for invalid file format.AM05Duplicate paymentMS03Reason not specifiedRC01Bank identifier incorrect (i.e. invalid BIC)RR01Regulatory ReasonRR02Regulatory ReasonRR03Regulatory ReasonRR04Regulatory ReasonTM01File received after Cut-off TimeCamt.029 – Bulk Message for Response to a RecallISO CodeSEPA Reason (as specified in the Rulebook)CUSTBeneficiary’s RefusalLEGLLegal reason, in relation with index 4.94ARDTThe transaction has already been returnedAC04Account closedAM04Insufficient funds on the accountNOASNo response from beneficiaryNOOROriginal Credit Transfer never receivedPage 6 of 7Code
PAIN.002 – Payment Status ReportISO CodeSEPA Reason (as specified in the Rulebook)AC01Account identifier incorrect (i.e. invalid IBAN)AG02Operation/transaction code incorrect, invalid file formatUsage Rule: To be used for incorrect operation/transaction codeAM05Duplicate paymentFF01Operation/transaction code incorrect, invalid file formatUsage Rule: To be used for invalid file formatMS03Reason not specifiedRC01Bank identifier incorrect (i.e. invalid BIC)TM01File received after Cut-off TimeRR01Regulatory ReasonRR02Regulatory ReasonRR03Regulatory ReasonRR04Regulatory ReasonDNORDebtor Bank is not registered under this BIC in the CSMCNORCreditor Bank is not registered under this BIC in the CSMThis document is for information purposes only and no guarantee or warranty is given in respect of theaccuracy or completeness of this document, or its’ content, which are subject to change. Bank of Irelandaccepts no liability for any losses howsoever arising in reliance on this document or its content.Page 7 of 7Code
Page 5 of 7 Code 2) SEPA Credit Transfer Reason Codes Pacs.004 Bulk Message for Returns ISO Code SEPA Reason (as specified in the Rulebook) AC01 Account identifier invalid (i.e. invalid IBAN or account number does not exist) AC04 Account closed AC06 Account blocked, reason not specified AG01 Credit transfer forbidden on this type of account (e.g. savings account)
