BE04: Wrong debtor address
SEPA return code BE04 — belongs to the BE group (dirección).
TL;DR
- Meaning: Wrong debtor address.
- Category: Dirección.
- Common cause: the debtor’s postal address doesn’t match the bank’s record (rare, mostly b2b).
- How to fix it: update the mandate with the correct address and re-issue.
- Bank fee? Typically yes (depends on your bank contract).
When it appears
The debtor’s postal address doesn’t match the bank’s record (rare, mostly B2B).
How to fix it
Update the mandate with the correct address and re-issue.
XML example
This code lives inside the <RsnInf> block of the return message (pain.002 or camt.054):
<Rtr>
<RsnInf>
<Rsn>
<Cd>BE04</Cd>
</Rsn>
<AddtlInf>Return because of wrong debtor address</AddtlInf>
</RsnInf>
</Rtr>
Prevention
Before sending the batch to your bank, validate it with our SEPA XML Validator. Catch the errors your ERP misses and reduce BE-type returns.
Conclusion
BE04 is a dirección type return. Follow the steps above to fix and re-issue.
