Full index of SEPA R-messages
R-messages are the codes banks use to return, reject or refund SEPA operations. Below are the 25 most common codes grouped by family.
TL;DR
- AC*: debtor account errors.
- AG*: service or operation not allowed.
- AM*: funds or duplicates.
- BE*: debtor data.
- FF*: file format.
- MD*: mandate.
- MS*: debtor instruction refusal.
- RC*: BIC.
- RR*: regulatory.
- TM*: timing.
Full list
AC01— Incorrect account number (cuenta del deudor)AC04— Closed account (cuenta del deudor)AC06— Blocked account (cuenta del deudor)AC13— Account type invalid for B2B (cuenta del deudor)AG01— Direct debit service not contracted (servicio no contratado)AG02— Operation not allowed on the account (operación no permitida)AM04— Insufficient funds (fondos)AM05— Duplicate collection (duplicado)BE04— Wrong debtor address (dirección)BE05— Creditor unknown to the debtor (acreedor desconocido)BE08— Missing or incorrect debtor name (datos incompletos)FF01— Invalid operation or wrong format (formato)MD01— No mandate (mandato)MD02— Mandate information missing or incorrect (mandato)MD06— Refund requested by the debtor (mandato)MD07— Deceased debtor (mandato)MD08— Wrong creditor data (mandato)MS02— Operation refused by the debtor (explicit order) (devuelto por deudor)MS03— Reason not specified (motivo no especificado)RC01— Debtor bank BIC invalid (bic)RR01— Regulated creditor identity / not permitted (acreedor)RR02— Regulated debtor identity (deudor)RR03— Creditor Identifier incorrect (cid)RR04— Unclassified regulatory reason (regulatorio)TM01— Cut-off times not met (tiempos)
Conclusion
When you receive an R-message, look it up here, apply the fix and validate your batch with the SEPA XML Validator before retrying.
