R-message MD07: Deceased debtor

Published on 2026-01-04 · Updated on 2026-05-17

MD07: Deceased debtor

SEPA return code MD07 — belongs to the MD group (mandato).

Meaning: Deceased debtor.
Category: Mandato.
Common cause: the bank confirms the account holder is deceased.
How to fix it: close the mandate and stop issuing direct debits for that debtor.
Bank fee? Typically yes (depends on your bank contract).

The bank confirms the account holder is deceased.

Close the mandate and stop issuing direct debits for that debtor.

This code lives inside the <RsnInf> block of the return message (pain.002 or camt.054):

<Rtr>
  <RsnInf>
    <Rsn>
      <Cd>MD07</Cd>
    </Rsn>
    <AddtlInf>Return because of deceased debtor</AddtlInf>
  </RsnInf>
</Rtr>

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.

MD07 is a mandato type return. Follow the steps above to fix and re-issue.

Does `MD07` carry a bank fee?: Almost always. Your bank charges a return fee per your contract.
Can I retry the collection?: It depends on the cause. Fix the reason above before retrying.
How do I prevent it?: Validate the batch before sending it and keep IBAN, mandates and CID up to date. Our [SEPA XML Validator](/sepa-direct-debit-xml-validator) catches most of these errors pre-submission.