R-message TM01: Cut-off times not met

TM01: Cut-off times not met

SEPA return code TM01 — belongs to the TM group (tiempos).

TL;DR

Meaning: Cut-off times not met.
Category: Tiempos.
Common cause: you sent the batch outside d-5 (frst) / d-2 (rcur) deadlines.
How to fix it: re-issue respecting the new due dates. doesn’t apply to sct inst.
Bank fee? Typically yes (depends on your bank contract).

When it appears

You sent the batch outside D-5 (FRST) / D-2 (RCUR) deadlines.

How to fix it

Re-issue respecting the new due dates. Doesn’t apply to SCT Inst.

XML example

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

<Rtr>
  <RsnInf>
    <Rsn>
      <Cd>TM01</Cd>
    </Rsn>
    <AddtlInf>Return because of cut-off times not met</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 TM-type returns.

Conclusion

TM01 is a tiempos type return. Follow the steps above to fix and re-issue.

Frequently Asked Questions

Does `TM01` 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.