SEPA reference
Reject reasons ISO 20022
37 codes listed: SCT, SCT Inst, SDD, Recall, RFRO. The full resolution is available in the EDI Insight app.
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AC01
Error
Invalid or unusable IBAN
The beneficiary's bank details are not recognised, or cannot be…
SCT Reject/Return
CFONB 12
AC03
Error
Beneficiary account does not exist
The beneficiary account given does not exist, or is not…
SCT Reject/Return
CFONB 13
AC04
Error
Beneficiary account closed
The beneficiary's account is no longer active or usable.
SCT Reject/Return
CFONB 14
AC06
Error
Account blocked or under a stop order
The beneficiary's account cannot receive the transaction because it is…
SCT Reject/Return
CFONB 34
AC13
Error
Debtor account closed
The originating account used to issue the transaction is no…
SCT Reject/ReturnSDD Core/B2B
CFONB 15
AG01
Error
Transaction forbidden
The transaction is not allowed in the current processing context.
SCT Reject/Return
CFONB 62
AG02
Error
Transaction not authorised
The transaction does not carry the authorisation needed to be…
SCT Reject/Return
CFONB 63
AG09
Error
Technical error
The transaction failed for a generic technical reason.
SCT Reject/Return
CFONB 64
AG10
Error
Technical error
The rejection relates to an unspecified technical incident.
SCT Reject/Return
CFONB 65
AG11
Error
Technical error
The system rejected the transaction for a generic technical reason.
SCT Reject/Return
CFONB 66
AM02
Error
Invalid amount
The amount submitted is not acceptable in the context of…
SCT Reject/Return
CFONB 67
AM04
Error
Insufficient funds
The account to be debited does not hold enough funds…
SCT Reject/ReturnSCT Inst (negatives)Recall (request)RFRO (request)
CFONB 20
AM05
Error
Duplicate detected
The bank considers that the transaction has already been sent…
SCT Reject/Return
CFONB 21
AM09
Error
Invalid amount
The transaction amount does not pass the expected checks.
SCT Reject/Return
CFONB 68
BE01
Warning
Account holder mismatch
The account holder's name or identity does not match the…
SCT Reject/Return
CFONB 22
ED05
Error
Interbank settlement failed
Interbank settlement of the transaction could not be completed.
SCT Reject/Return
CFONB 29
MD07
Error
Account holder deceased
The bank reports that the beneficiary account holder has died.
SCT Reject/Return
CFONB 35
MS03
Warning
No reason given
The bank rejected or returned the transaction without giving a…
SCT Reject/Return
CFONB 59
RC01
Error
Incorrect bank code or BIC
The bank code or BIC of the receiving bank cannot…
SCT Reject/Return
CFONB 60
RR01
Error
Regulatory block
The transaction was blocked on compliance or regulatory grounds.
SCT Reject/Return
CFONB 23
RR02
Error
Regulatory rejection
The transaction was rejected on unspecified regulatory grounds.
SCT Reject/Return
CFONB 24
RR03
Error
Regulatory restriction
The transaction could not be executed because of a regulatory…
SCT Reject/Return
CFONB 25
TM01
Warning
Cut-off time missed
The file or transaction arrived after the processing cut-off time.
SCT Reject/Return
CFONB 61
AB05
Error
Timed out at the beneficiary's bank
The beneficiary's bank did not respond within the maximum time…
SCT Inst (negatives)
CFONB 61
AB06
Error
Timed out at the instructed agent
The agent the message was sent to (clearing system or…
SCT Inst (negatives)
CFONB 61
AB07
Error
Agent offline
One of the parties in the payment chain could not…
SCT Inst (negatives)
CFONB 21
AB08
Error
Beneficiary's bank offline
The beneficiary's bank could not be reached at the time…
SCT Inst (negatives)
CFONB 22
AB09
Error
Error at the beneficiary's bank
The beneficiary's bank hit an error while processing the transaction,…
SCT Inst (negatives)
CFONB 23
AB10
Error
Error at the instructed agent
The agent the message was sent to (clearing system or…
SCT Inst (negatives)
CFONB 24
MD01
Error
Mandate missing or invalid
The debtor disputes the transaction for want of a valid…
SDD Core/B2B
CFONB 31
MD02
Error
Incorrect mandate data
One or more pieces of mandate information — reference, signature…
SDD Core/B2B
CFONB 66
MD06
Warning
Debtor dispute
The debtor disputes an authorised transaction within eight weeks of…
SDD Core/B2B
CFONB 80
MS02
Warning
Debtor refusal
The debtor explicitly asked their bank to refuse, reject, return…
SDD Core/B2B
CFONB 58
FF01
Error
Invalid file format
The collection file or message submitted does not meet the…
SDD Core/B2B
CFONB 57
SL01
Warning
Debtor-specific service
The rejection or return stems from a specific service set…
SDD Core/B2B
CFONB 63
BE05
Error
Invalid Creditor Identifier
The SEPA Creditor Identifier submitted is missing, or does not…
SDD Core/B2B
CFONB 18
RR04
Error
Regulatory constraint
The transaction was blocked on specific regulatory grounds, typically an…
SDD Core/B2B
CFONB 62