BE08: Missing or incorrect debtor name
SEPA return code BE08 — belongs to the BE group (datos incompletos).
TL;DR
- Meaning: Missing or incorrect debtor name.
- Category: Datos incompletos.
- Common cause: debtor identity block is empty or mismatches the account record.
- How to fix it: check the mandate and the exact name on the debtor’s account.
- Bank fee? Typically yes (depends on your bank contract).
When it appears
Debtor identity block is empty or mismatches the account record.
How to fix it
Check the mandate and the exact name on the debtor’s account.
XML example
This code lives inside the <RsnInf> block of the return message (pain.002 or camt.054):
<Rtr>
<RsnInf>
<Rsn>
<Cd>BE08</Cd>
</Rsn>
<AddtlInf>Return because of missing or incorrect debtor name</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
BE08 is a datos incompletos type return. Follow the steps above to fix and re-issue.
