RR04: Unclassified regulatory reason
SEPA return code RR04 — belongs to the RR group (regulatorio).
TL;DR
- Meaning: Unclassified regulatory reason.
- Category: Regulatorio.
- Common cause: return mandated by regulation that doesn’t fit rr01-rr03.
- How to fix it: talk to your bank to learn the specific regulation.
- Bank fee? Typically yes (depends on your bank contract).
When it appears
Return mandated by regulation that doesn’t fit RR01-RR03.
How to fix it
Talk to your bank to learn the specific regulation.
XML example
This code lives inside the <RsnInf> block of the return message (pain.002 or camt.054):
<Rtr>
<RsnInf>
<Rsn>
<Cd>RR04</Cd>
</Rsn>
<AddtlInf>Return because of unclassified regulatory reason</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
RR04 is a regulatorio type return. Follow the steps above to fix and re-issue.
