MD01: No mandate
SEPA return code MD01 — belongs to the MD group (mandato).
TL;DR
- Meaning: No mandate.
- Category: Mandato.
- Common cause: the debtor or their bank can’t find evidence of a signed mandate for your cid.
- How to fix it: check that you hold the signed mandate. if yes, ask the debtor to confirm with their bank. if not, sign a new one.
- Bank fee? Typically yes (depends on your bank contract).
When it appears
The debtor or their bank can’t find evidence of a signed mandate for your CID.
How to fix it
Check that you hold the signed mandate. If yes, ask the debtor to confirm with their bank. If not, sign a new one.
XML example
This code lives inside the <RsnInf> block of the return message (pain.002 or camt.054):
<Rtr>
<RsnInf>
<Rsn>
<Cd>MD01</Cd>
</Rsn>
<AddtlInf>Return because of no mandate</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 MD-type returns.
Conclusion
MD01 is a mandato type return. Follow the steps above to fix and re-issue.
