BE05: Creditor unknown to the debtor
SEPA return code BE05 — belongs to the BE group (acreedor desconocido).
TL;DR
- Meaning: Creditor unknown to the debtor.
- Category: Acreedor desconocido.
- Common cause: the debtor does not recognise the creditor (cid not whitelisted in their banking app).
- How to fix it: verify the mandate is on file and active. if the debtor denies it, the charge is treated as unauthorised.
- Bank fee? Typically yes (depends on your bank contract).
When it appears
The debtor does not recognise the creditor (CID not whitelisted in their banking app).
How to fix it
Verify the mandate is on file and active. If the debtor denies it, the charge is treated as unauthorised.
XML example
This code lives inside the <RsnInf> block of the return message (pain.002 or camt.054):
<Rtr>
<RsnInf>
<Rsn>
<Cd>BE05</Cd>
</Rsn>
<AddtlInf>Return because of creditor unknown to the debtor</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
BE05 is a acreedor desconocido type return. Follow the steps above to fix and re-issue.
