R-message RR01: Regulated creditor identity / not permitted

RR01: Regulated creditor identity / not permitted

SEPA return code RR01 — belongs to the RR group (acreedor).

TL;DR

Meaning: Regulated creditor identity / not permitted.
Category: Acreedor.
Common cause: the creditor name is blocked by regulation (sanctions, embargoes).
How to fix it: consult your bank. likely needs a legal process before issuing again.
Bank fee? Typically yes (depends on your bank contract).

When it appears

The creditor name is blocked by regulation (sanctions, embargoes).

How to fix it

Consult your bank. Likely needs a legal process before issuing again.

XML example

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

<Rtr>
  <RsnInf>
    <Rsn>
      <Cd>RR01</Cd>
    </Rsn>
    <AddtlInf>Return because of regulated creditor identity / not permitted</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 RR-type returns.

Conclusion

RR01 is a acreedor type return. Follow the steps above to fix and re-issue.

Frequently Asked Questions

Does `RR01` 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.