| AC01 |
IBAN incorrect. |
Recover IBAN or ask debtor for the right IBAN. |
D+1 |
Reject, Return |
| AC04 |
Account holder has closed the account. |
Ask debtor for the right IBAN |
D+1 |
Reject, Return |
| AC06 |
1-Bank of debtor has blocked account for direct debit. If an eMandate was issued, this indicates that the debtor no longer wishes to continue with the authorisation under this eMandate. -2-Account holder has blocked account for direct debit-3-Account holder is a minor. |
Contact the debtor. Note: If an eMandate was issued, discuss with the debtor why the direct debit was blocked. |
D+1 |
Reject, Return |
| AC13 (B2B) |
Business account holder has specified a private debit account. |
Account cannot be used for business direct debits. Contact the debtor. |
D+1 |
Reject, Return |
| AG01 |
Debit account is no checking account but a savings account. |
Account cannot be used for business direct debits. Contact the debtor. |
D+1 |
Reject, Return |
| AG02 |
-1-First, the type “FRST” was used, after the type “RCUR” had already been entered.-2-First, the type “RCUR” was used without using a “FRST” before. -3-The direct debit mandate ID that was used, had already been used for a one-off direct debit. |
Incorrect transaction type used: use “OOFF”, “FRST’’ or “RCUR”. Payee ID incorrect: select different ID. |
D+1 |
Reject, |
| Return |
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| AM04 |
Balance is insufficient (sometimes a MS03). |
Balance is insufficient: contact the debtor. * If desired, a revised direct debit can be executed with this feedback. * The action undertaken by the banks when the balance is insufficient is explained at Resubmitted direct debit banks |
Van D+1 tot D+5 |
Reject, Return |
| AM05 |
Submitted twice. |
Check whether it was indeed submitted twice. |
D+1 |
Reject, Return, Reversal |
| BE05 |
Payee ID modified without amendment indication. |
Payee ID incorrect: submit with the right ID. |
D+1 |
Reject, Return |
| MD01 (core) |
-1- Transaction contains “RCUR”, but “FRST” has not been received yet. -2- No authorisation issued. -3- Authorisation not valid. |
Check your administration, determine the cause and the follow-up action: -1- Submit transaction again as “FRST” -2- Make a direct debit attempt with this authorisation again. Contact the debtor in both cases. |
D+1 |
Reject, Return, Refund |
| MD01 (B2B) |
-1- Transaction contains “RCUR”, but “FRST” has not been received yet. -2-Authorisation has not been registered at the debtor’s bank yet. -3- The direct debit is not within the specified limits. |
Check whether the transaction was submitted with the right sequence type. If so, contact the debtor for the right registration at the debit bank. |
D+1 |
Reject, Return, Refund |
| MD02 |
Authorisation or part of the data of the authorisation is incorrect (B2B). |
Contact the debtor in order to have the complete and correct authorisation, (specified limits included) registered at the debtor bank. |
D+1 |
Reject |
| MD06 |
Debtor exercises his right of reversal of payment (8 weeks). |
Contact the debtor. |
From D+1 to D+56 days and D+13 months. |
Refund |
| MD07 |
Debtor deceased (sometimes MS03). |
Do not make direct debit attempt anymore. |
D+1 |
Reject, Return |
| MS02 |
Debtor refuses direct debit transaction. |
Contact the debtor. |
From D+1 to D+56 days and D+13 months. |
Reject, Return, Reversal, Refusal |
| MS03 |
Insufficient balance (or other reason, for example in the event of death). |
Insufficient balance: contact the debtor. * If desired, a revised direct debit can be executed with this feedback. * The action undertaken by the banks when the balance is insufficient balance is explained at Resubmitted direct debit banks. |
From D+1 to D+5. |
Reject, Return, Reversal |
| RR01 |
Debtor data unknown or identification not in order. |
Contact your bank. |
D+1 |
Reject, Return |
| RR02 |
According to national laws, name and/or address are required, and this information is missing. |
Contact your bank. |
D+1 |
Reject, Return |
| RR03 |
According to national laws, name and/or address are required, and this information is missing. |
Contact your bank. |
D+1 |
Reject, Return |
| RR04 |
Transaction does not meet statutory requirements. |
Contact your bank. |
D+1 |
Reject, Return |
| SL01 |
-1- Limiting values have been exceeded. -2- Account holder has blocked account for direct debit. If an eMandate was issued, this indicates that the debtor no longer wishes to continue with the authorisation under this eMandate. |
Contact your debtor. Note: If an eMandate was issued, discuss the reason for the direct debit blockage with the payer. |
D+1 |
Reject, Return |
| PY01 |
Authority does not recognize account number. |
Ask the consumer whether the account number is correct. Also check whether this account supports SEPA Direct debits/euro payments. |
D+1 |
Reject, Return |
