ISO20022 FedWire Code Appendix

CACC

Current

Account used to post debits and credits when no specific account has been nominated.

CARD

CardAccount

Account used for credit card payments.

CASH

CashPayment

Account used for the payment of cash.

CHAR

Charges

Account used for charges if different from the account for
payment.

CISH

CashIncome

Account used for payment of income if different from the current cash account

COMM

Commission

Account used for commission if different from the account
for payment.

CPAC

ClearingParticipantSettlementAccount

Account used to post settlement debit and credit entries on behalf of a designated Clearing Participant.

LLSV

LimitedLiquiditySavingsAccount

Account used for savings with special interest and withdrawal terms.

LOAN

Loan

Account used for loans.

MGLD

MarginalLending

Account used for a marginal lending facility.

MOMA

MoneyMarket

Account used for money markets if different from the cash
account.

NFCA

NonResidentForeignCurrencyAccount

Non-Resident Individual / Entity Foreign Current held domestically.

NREX

NonResidentExternal

Account used for non-resident external.

ODFT

Overdraft

Account is used for overdrafts.

ONDP

OverNightDeposit

Account used for overnight deposits.

OTHR

OtherAccount

Account not otherwise specified.

SACC

Settlement

Account used to post debit and credit entries, as a result of transactions cleared and settled through a specific clearing and settlement system.

SLRY

Salary

Accounts used for salary payments.

SVGS

Savings

Account used for savings.

TAXE

Tax

Account used for taxes if different from the account for
payment.

TRAN

TransactingAccount

A transacting account is the most basic type of bank account that you can get. The main difference between transaction and cheque accounts is that you usually do not get a cheque book with your transacting account and neither are you offered an overdraft facility.

TRAS

CashTrading

Account used for trading if different from the current cash
account.

VACC

VirtualAccount

Account created virtually to facilitate collection and reconciliation.

AB01

AbortedClearingTimeout

Clearing process aborted due to timeout.

AB02

AbortedClearingFatalError

Clearing process aborted due to a fatal error.

AB03

AbortedSettlementTimeout

Settlement aborted due to timeout.

AB04

AbortedSettlementFatalError

Settlement process aborted due to a fatal error.

AB05

TimeoutCreditorAgent

Transaction stopped due to timeout at the Creditor Agent.

AB06

TimeoutInstructedAgent

Transaction stopped due to timeout at the Instructed Agent.

AB07

OfflineAgent

Agent of message is not online.
Generic usage if it cannot be determined who exactly is not online.

AB08

OfflineCreditorAgent

Creditor Agent is not online.

AB09

ErrorCreditorAgent

Transaction stopped due to error at the Creditor Agent.

AB10

ErrorInstructedAgent

Transaction stopped due to error at the Instructed Agent.

AB11

TimeoutDebtorAgent

Transaction stopped due to timeout at the Debtor Agent.

AB12

InvalidConcurrentBatch

Duplicate Concurrent Batch Sequence number– for Settlement Instructions.

AB13

InvalidRoutingCodeUtilised

Wrong Message Routing Type for Return-of-Funds.

AB15

InvalidAccountNumberForSettlementType

Instruction may not be placed on the Continuous Processing Line settlement processor.

AB21

InvalidSettlementAgreementNumberSpecified

Agreement number not valid (beneficiary).

AB26

InvalidBatchSettlementInstruction

Settlement Instruction does not exist.

AC01

IncorrectAccountNumber

Account number is invalid or missing.

AC02

InvalidDebtorAccountNumber

Debtor account number invalid or missing

AC03

InvalidCreditorAccountNumber

Creditor account number invalid or missing

AC04

ClosedAccountNumber

Account number specified has been closed on the bank of account's books.

AC05

ClosedDebtorAccountNumber

Debtor account number closed

AC06

BlockedAccount

Account specified is blocked, prohibiting posting of transactions against it.

AC07

ClosedCreditorAccountNumber

Creditor account number closed

AC08

InvalidBranchCode

Branch code is invalid or missing

AC09

InvalidAccountCurrency

Account currency is invalid or missing

AC10

InvalidDebtorAccountCurrency

Debtor account currency is invalid or missing

AC11

InvalidCreditorAccountCurrency

Creditor account currency is invalid or missing

AC12

InvalidAccountType

Account type missing or invalid.
Generic usage if cannot specify between group and payment information levels

AC13

InvalidDebtorAccountType

Debtor account type missing or invalid

AC14

InvalidCreditorAccountType

Creditor account type missing or invalid

AC15

AccountDetailsChanged

The account details for the counterparty have changed.

AC16

CardNumberInvalid

Credit or debit card number is invalid.

AEXR

AlreadyExpiredRTP

Request-to-pay Expiry Date and Time has already passed.

AG01

TransactionForbidden

Transaction forbidden on this type of account (formerly NoAgreement)

AG02

InvalidBankOperationCode

Bank Operation code specified in the message is not valid for receiver

AG03

TransactionNotSupported

Transaction type not supported/authorized on this account

AG04

InvalidAgentCountry

Agent country code is missing or invalid.
Generic usage if cannot specify between group and payment information levels.

AG05

InvalidDebtorAgentCountry

Debtor agent country code is missing or invalid

AG06

InvalidCreditorAgentCountry

Creditor agent country code is missing or invalid

AG07

UnsuccesfulDirectDebit

Debtor account cannot be debited for a generic reason.
Code value may be used in general purposes and as a replacement for AM04 if debtor bank does not reveal its customer's insufficient funds for privacy reasons

AG08

InvalidAccessRights

Transaction failed due to invalid or missing user or access right

AG09

PaymentNotReceived

Original payment never received.

AG10

AgentSuspended

Agent of message is suspended from the Real Time Payment system.
Generic usage if it cannot be determined who exactly is suspended.

AG11

CreditorAgentSuspended

Creditor Agent of message is suspended from the Real Time Payment system.

AG12

NotAllowedBookTransfer

Payment orders made by transferring funds from one account to another at the same financial institution (bank or payment institution) are not allowed.

AG13

ForbiddenReturnPayment

Returned payments derived from previously returned transactions are not allowed.

AGNT

IncorrectAgent

Agent in the payment workflow is incorrect

ALAC

AlreadyAcceptedRTP

Request-to-pay has already been accepted by the Debtor.

AM01

ZeroAmount

Specified message amount is equal to zero

AM02

NotAllowedAmount

Specific transaction/message amount is greater than allowed maximum

AM03

NotAllowedCurrency

Specified message amount is an non processable currency outside of existing agreement

AM04

InsufficientFunds

Amount of funds available to cover specified message amount is insufficient.

AM05

Duplication

Duplication

AM06

TooLowAmount

Specified transaction amount is less than agreed minimum.

AM07

BlockedAmount

Amount specified in message has been blocked by regulatory authorities.

AM09

WrongAmount

Amount received is not the amount agreed or expected

AM10

InvalidControlSum

Sum of instructed amounts does not equal the control sum.

AM11

InvalidTransactionCurrency

Transaction currency is invalid or missing

AM12

InvalidAmount

Amount is invalid or missing

AM13

AmountExceedsClearingSystemLimit

Transaction amount exceeds limits set by clearing system

AM14

AmountExceedsAgreedLimit

Transaction amount exceeds limits agreed between bank and client

AM15

AmountBelowClearingSystemMinimum

Transaction amount below minimum set by clearing system

AM16

InvalidGroupControlSum

Control Sum at the Group level is invalid

AM17

InvalidPaymentInfoControlSum

Control Sum at the Payment Information level is invalid

AM18

InvalidNumberOfTransactions

Number of transactions is invalid or missing.
Generic usage if cannot specify between group and payment information levels.

AM19

InvalidGroupNumberOfTransactions

Number of transactions at the Group level is invalid or missing

AM20

InvalidPaymentInfoNumberOfTransactions

Number of transactions at the Payment Information level is invalid

AM21

LimitExceeded

Transaction amount exceeds limits agreed between bank and client.

AM22

ZeroAmountNotApplied

Unable to apply zero amount to designated account. For example, where the rules of a service allow the use of zero amount payments, however the back-office system is unable to apply the funds to the account. If the rules of a service prohibit the use of zero amount payments, then code AM01 is used to report the error condition.

AM23

AmountExceedsSettlementLimit

Transaction amount exceeds settlement limit.

APAR

AlreadyPaidRTP

Request To Pay has already been paid by the Debtor.

ARFR

AlreadyRefusedRTP

Request-to-pay has already been refused by the Debtor.

ARJR

AlreadyRejectedRTP

Request-to-pay has already been rejected.

ATNS

AttachementsNotSupported

Attachments to the request-to-pay are not supported.

BDAY

NotBusinessDay

Settlement Cycle Day and Calendar day should be the same.

BE01

InconsistenWithEndCustomer

Identification of end customer is not consistent with associated account number. (formerly CreditorConsistency).

BE04

MissingCreditorAddress

Specification of creditor's address, which is required for payment, is missing/not correct (formerly IncorrectCreditorAddress).

BE05

UnrecognisedInitiatingParty

Party who initiated the message is not recognised by the end customer

BE06

UnknownEndCustomer

End customer specified is not known at associated Sort/National Bank Code or does no longer exist in the books

BE07

MissingDebtorAddress

Specification of debtor's address, which is required for payment, is missing/not correct.

BE08

MissingDebtorName

Debtor name is missing

BE09

InvalidCountry

Country code is missing or Invalid.
Generic usage if cannot specifically identify debtor or creditor

BE10

InvalidDebtorCountry

Debtor country code is missing or invalid

BE11

InvalidCreditorCountry

Creditor country code is missing or invalid

BE12

InvalidCountryOfResidence

Country code of residence is missing or Invalid.
Generic usage if cannot specifically identify debtor or creditor

BE13

InvalidDebtorCountryOfResidence

Country code of debtor's residence is missing or Invalid

BE14

InvalidCreditorCountryOfResidence

Country code of creditor's residence is missing or Invalid

BE15

InvalidIdentificationCode

Identification code missing or invalid.
Generic usage if cannot specifically identify debtor or creditor.

BE16

InvalidDebtorIdentificationCode

Debtor or Ultimate Debtor identification code missing or invalid

BE17

InvalidCreditorIdentificationCode

Creditor or Ultimate Creditor identification code missing or invalid

BE18

InvalidContactDetails

Contact details missing or invalid

BE19

InvalidChargeBearerCode

Charge bearer code for transaction type is invalid

BE20

InvalidNameLength

Name length exceeds local rules for payment type.

BE21

MissingName

Name missing or invalid. Generic usage if cannot specifically identify debtor or creditor.

BE22

MissingCreditorName

Creditor name is missing

BE23

AccountProxyInvalid

Phone number or email address, or any other proxy, used as the account proxy is unknown or invalid.

CERI

CheckERI

Credit transfer is not tagged as an Extended Remittance Information (ERI) transaction but contains ERI.

CH03

RequestedExecutionDateOrRequestedCollectionDateTooFarInFuture

Value in Requested Execution Date or Requested Collection Date is too far in the future

CH04

RequestedExecutionDateOrRequestedCollectionDateTooFarInPast

Value in Requested Execution Date or Requested Collection Date is too far in the past

CH07

ElementIsNotToBeUsedAtB-andC-Level

Element is not to be used at B- and C-Level

CH09

MandateChangesNotAllowed

Mandate changes are not allowed

CH10

InformationOnMandateChangesMissing

Information on mandate changes are missing

CH11

CreditorIdentifierIncorrect

Value in Creditor Identifier is incorrect

CH12

CreditorIdentifierNotUnambiguouslyAtTransaction-Level

Creditor Identifier is ambiguous at Transaction Level

CH13

OriginalDebtorAccountIsNotToBeUsed

Original Debtor Account is not to be used

CH14

OriginalDebtorAgentIsNotToBeUsed

Original Debtor Agent is not to be used

CH15

ElementContentIncludesMoreThan140Characters

Content Remittance Information/Structured includes more than 140 characters

CH16

ElementContentFormallyIncorrect

Content is incorrect

CH17

ElementNotAdmitted

Element is not allowed

CH19

ValuesWillBeSetToNextTARGETday

Values in Interbank Settlement Date or Requested Collection Date will be set to the next TARGET day

CH20

DecimalPointsNotCompatibleWithCurrency

Number of decimal points not compatible with the currency

CH21

RequiredCompulsoryElementMissing

Mandatory element is missing

CH22

COREandB2BwithinOnemessage

SDD CORE and B2B not permitted within one message

CHQC

ChequeSettledOnCreditorAccount

Cheque has been presented in cheque clearing and settled on the creditor’s account.

CN01

AuthorisationCancelled

Authorisation is cancelled.

CNOR

CreditorBankIsNotRegistered

Creditor bank is not registered under this BIC in the CSM

CURR

IncorrectCurrency

Currency of the payment is incorrect

CUST

RequestedByCustomer

Cancellation requested by the Debtor

DC02

SettlementNotReceived

Rejection of a payment due to covering FI settlement not being received.

DNOR

DebtorBankIsNotRegistered

Debtor bank is not registered under this BIC in the CSM

DS01

ElectronicSignaturesCorrect

The electronic signature(s) is/are correct

DS02

OrderCancelled

An authorized user has cancelled the order

DS03

OrderNotCancelled

The user’s attempt to cancel the order was not successful

DS04

OrderRejected

The order was rejected by the bank side (for reasons concerning content)

DS05

OrderForwardedForPostprocessing

The order was correct and could be forwarded for postprocessing

DS06

TransferOrder

The order was transferred to VEU

DS07

ProcessingOK

All actions concerning the order could be done by the EBICS bank server

DS08

DecompressionError

The decompression of the file was not successful

DS09

DecryptionError

The decryption of the file was not successful

DS0A

DataSignRequested

Data signature is required.

DS0B

UnknownDataSignFormat

Data signature for the format is not available or invalid.

DS0C

SignerCertificateRevoked

The signer certificate is revoked.

DS0D

SignerCertificateNotValid

The signer certificate is not valid (revoked or not active).

DS0E

IncorrectSignerCertificate

The signer certificate is not present.

DS0F

SignerCertificationAuthoritySignerNotValid

The authority of the signer certification sending the certificate is unknown.

DS0G

NotAllowedPayment

Signer is not allowed to sign this operation type.

DS0H

NotAllowedAccount

Signer is not allowed to sign for this account.

DS0K

NotAllowedNumberOfTransaction

The number of transaction is over the number allowed for this signer.

DS10

Signer1CertificateRevoked

The certificate is revoked for the first signer.

DS11

Signer1CertificateNotValid

The certificate is not valid (revoked or not active) for the first signer.

DS12

IncorrectSigner1Certificate

The certificate is not present for the first signer.

DS13

SignerCertificationAuthoritySigner1NotValid

The authority of signer certification sending the certificate is unknown for the first signer.

DS14

UserDoesNotExist

The user is unknown on the server

DS15

IdenticalSignatureFound

The same signature has already been sent to the bank

DS16

PublicKeyVersionIncorrect

The public key version is not correct. This code is returned when a customer sends signature files to the financial institution after conversion from an older program version (old ES format) to a new program version (new ES format) without having carried out re-initialisation with regard to a public key change.

DS17

DifferentOrderDataInSignatures

Order data and signatures don’t match

DS18

RepeatOrder

File cannot be tested, the complete order has to be repeated. This code is returned in the event of a malfunction during the signature check, e.g. not enough storage space.

DS19

ElectronicSignatureRightsInsufficient

The user’s rights (concerning his signature) are insufficient to execute the order

DS20

Signer2CertificateRevoked

The certificate is revoked for the second signer.

DS21

Signer2CertificateNotValid

The certificate is not valid (revoked or not active) for the second signer.

DS22

IncorrectSigner2Certificate

The certificate is not present for the second signer.

DS23

SignerCertificationAuthoritySigner2NotValid

The authority of signer certification sending the certificate is unknown for the second signer.

DS24

WaitingTimeExpired

Waiting time expired due to incomplete order

DS25

OrderFileDeleted

The order file was deleted by the bank server
(for multiple reasons)

DS26

UserSignedMultipleTimes

The same user has signed multiple times

DS27

UserNotYetActivated

The user is not yet activated (technically)

DS28

ReturnForTechnicalReason

Message routed to the wrong environment.

DT01

InvalidDate

Invalid date (eg, wrong or missing settlement date)

DT02

InvalidCreationDate

Invalid creation date and time in Group Header (eg, historic date)

DT03

InvalidNonProcessingDate

Invalid non bank processing date (eg, weekend or local public holiday)

DT04

FutureDateNotSupported

Future date not supported

DT05

InvalidCutOffDate

Associated message, payment information block or transaction was received after agreed processing cut-off date, i.e., date in the past.

DT06

ExecutionDateChanged

Execution Date has been modified in order for transaction to be processed

DU01

DuplicateMessageID

Message Identification is not unique.

DU02

DuplicatePaymentInformationID

Payment Information Block is not unique.

DU03

DuplicateTransaction

Transaction is not unique.

DU04

DuplicateEndToEndID

End To End ID is not unique.

DU05

DuplicateInstructionID

Instruction ID is not unique.

DUPL

DuplicatePayment

Payment is a duplicate of another payment

ED01

CorrespondentBankNotPossible

Correspondent bank not possible.

ED03

BalanceInfoRequest

Balance of payments complementary info is requested

ED05

SettlementFailed

Settlement of the transaction has failed.

ED06

SettlementSystemNotAvailable

Interbank settlement system not available.

EDTL

ExpiryDateTooLong

Expiry date time of the request-to-pay is too far in the future.

EDTR

ExpiryDateTimeReached

Expiry date time of the request-to-pay is already reached.

ERIN

ERIOptionNotSupported

Extended Remittance Information (ERI) option is not supported.

FF01

InvalidFileFormat

File Format incomplete or invalid

FF02

SyntaxError

Syntax error reason is provided as narrative information in the additional reason information.

FF03

InvalidPaymentTypeInformation

Payment Type Information is missing or invalid.
Generic usage if cannot specify Service Level or Local Instrument code

FF04

InvalidServiceLevelCode

Service Level code is missing or invalid

FF05

InvalidLocalInstrumentCode

Local Instrument code is missing or invalid

FF06

InvalidCategoryPurposeCode

Category Purpose code is missing or invalid

FF07

InvalidPurpose

Purpose is missing or invalid

FF08

InvalidEndToEndId

End to End Id missing or invalid

FF09

InvalidChequeNumber

Cheque number missing or invalid

FF10

BankSystemProcessingError

File or transaction cannot be processed due to technical issues at the bank side

FF11

ClearingRequestAborted

Clearing request rejected due it being subject to an abort operation.

FF12

OriginalTransactionNotEligibleForRequestedReturn

Original payment is not eligible to be returned given its current status.

FF13

RequestForCancellationNotFound

No record of request for cancellation found.

FOCR

FollowingCancellationRequest

Return following a cancellation request.

FR01

Fraud

Returned as a result of fraud.

FRAD

FraudulentOrigin

Cancellation requested following a transaction that was originated fraudulently. The use of the FraudulentOrigin code should be governed by jurisdictions.

G000

PaymentTransferredAndTracked

In an FI To FI Customer Credit Transfer: The Status Originator transferred the payment to the next Agent or to a Market Infrastructure. The payment transfer is tracked. No further updates will follow from the Status Originator.

In a Financial Institution Credit Transfer with cover: The Status Originator performed the account booking and transferred the cover transaction to the next Reimbursement Agent or to a Market Infrastructure. The payment transfer is tracked. No further updates will follow from the Status Originator.

G001

PaymentTransferredAndNotTracked

In an FI To FI Customer Credit Transfer: The Status Originator transferred the payment to the next Agent or to a Market Infrastructure. The payment transfer is not tracked. No further updates will follow from the Status Originator.

In a Financial Institution Credit Transfer with cover: The Status Originator performed the account booking and transferred the cover transaction to the next Reimbursement Agent or to a Market Infrastructure. The payment transfer is not tracked. No further updates will follow from the Status Originator.

G002

CreditDebitNotConfirmed

In a FIToFI Customer Credit Transfer: Credit to the creditor’s account may not be confirmed same day. Update will follow from the Status Originator.
In a Financial Institution Credit Transfer with cover: Debit/credit to nostro account may not be confirmed same day or Financial Institution Credit Transfer may not be transferred same day. Update will follow from the Status Originator.

G003

CreditPendingDocuments

In a FIToFI Customer Credit Transfer: Credit to creditor’s account is pending receipt of required documents. The Status Originator has requested creditor to provide additional documentation. Update will follow from the Status Originator.
In a Financial Institution Credit Transfer with cover: Status Originator has requested a previous Agent to provide additional information/correct information. Update will follow from the Status Originator.

G004

CreditPendingFunds

In a FIToFI Customer Credit Transfer: Credit to the creditor’s account is pending, status Originator is waiting for funds provided via a cover. Update will follow from the Status Originator.

G005

DeliveredWithServiceLevel

Payment has been delivered to creditor agent with service level.

G006

DeliveredWIthoutServiceLevel

Payment has been delivered to creditor agent without service level.

ID01

CorrespondingOriginalFileStillNotSent

Signature file was sent to the bank but the corresponding original file has not been sent yet.

IEDT

IncorrectExpiryDateTime

Expiry date time of the request-to-pay is incorrect.

INDT

InvalidDetails

Details not valid for this field.

IRNR

InitialRTPNeverReceived

No initial request-to-pay has been received.

ISWS

InvalidSettlementWindow

Cannot schedule instruction for Night Window.

MD01

NoMandate

No Mandate

MD02

MissingMandatoryInformationInMandate

Mandate related information data required by the scheme is missing.

MD05

CollectionNotDue

Creditor or creditor's agent should not have collected the direct debit

MD06

RefundRequestByEndCustomer

Return of funds requested by end customer

MD07

EndCustomerDeceased

End customer is deceased.

MINF

MissingInformation

Information missing for the field or cannot be empty.

MS02

NotSpecifiedReasonCustomerGenerated

Reason has not been specified by end customer

MS03

NotSpecifiedReasonAgentGenerated

Reason has not been specified by agent.

NARR

Narrative

Reason is provided as narrative information in the additional reason information.

NERI

NoERI

Credit transfer is tagged as an Extended Remittance Information (ERI) transaction but does not contain ERI.

NOAR

NonAgreedRTP

No existing agreement for receiving request-to-pay messages.

NOAS

NoAnswerFromCustomer

No response from Beneficiary.

NOCM

NotCompliantGeneric

Customer account is not compliant with regulatory requirements, for example FICA (in South Africa) or any other regulatory requirements which render an account inactive for certain processing.

NOFR

OutstandingFundingForSettlement

Continuous Processing Line on Hold Instruction.

NOPG

NoPaymentGuarantee

Requested payment guarantee (by Creditor) related to a request-to-pay cannot be provided.

NRCH

PayerOrPayerRTPSPNotReachable

Recipient side of the request-to-pay (payer or its request-to-pay service provider) is not reachable.

PINS

TypeOfPaymentInstrumentNotSupported

Type of payment requested in the request-to-pay is not supported by the payer.

RC01

BankIdentifierIncorrect

Bank identifier code specified in the message has an incorrect format (formerly IncorrectFormatForRoutingCode).

RC02

InvalidBankIdentifier

Bank identifier is invalid or missing.
Generic usage if cannot specify between debit or credit account

RC03

InvalidDebtorBankIdentifier

Debtor bank identifier is invalid or missing

RC04

InvalidCreditorBankIdentifier

Creditor bank identifier is invalid or missing

RC05

InvalidBICIdentifier

BIC identifier is invalid or missing.
Generic usage if cannot specify between debit or credit account.

RC06

InvalidDebtorBICIdentifier

Debtor BIC identifier is invalid or missing

RC07

InvalidCreditorBICIdentifier

Creditor BIC identifier is invalid or missing

RC08

InvalidClearingSystemMemberIdentifier

ClearingSystemMemberidentifier is invalid or missing.
Generic usage if cannot specify between debit or credit account

RC09

InvalidDebtorClearingSystemMemberIdentifier

Debtor ClearingSystemMember identifier is invalid or missing

RC10

InvalidCreditorClearingSystemMemberIdentifier

Creditor ClearingSystemMember identifier is invalid or missing

RC11

InvalidIntermediaryAgent

Intermediary Agent is invalid or missing

RC12

MissingCreditorSchemeId

Creditor Scheme Id is invalid or missing

RC13

ParticipantNotAnActiveMemberofRTGS

Originator not active any more.

RC15

ParticipantNotActiveMemberSettlementType

Settlement agreement required.

RC16

ParticipantNotActiveMemberofSADCRTGS

Participant blocked from SADC-RTGS.

RCON

RMessageConflict

Conflict with R-Message

RECI

ReceiverCustomerInformation

Further information regarding the intended recipient.

REPR

RTPReceivedCanBeProcessed

Request-to-pay has been received and can be processed further.

RF01

NotUniqueTransactionReference

Transaction reference is not unique within the message.

RR01

MissingDebtorAccountOrIdentification

Specification of the debtor’s account or unique identification needed for reasons of regulatory requirements is insufficient or missing

RR02

MissingDebtorNameOrAddress

Specification of the debtor’s name and/or address needed for regulatory requirements is insufficient or missing.

RR03

MissingCreditorNameOrAddress

Specification of the creditor’s name and/or address needed for regulatory requirements is insufficient or missing.

RR04

RegulatoryReason

Regulatory Reason

RR05

RegulatoryInformationInvalid

Regulatory or Central Bank Reporting information missing, incomplete or invalid.

RR06

TaxInformationInvalid

Tax information missing, incomplete or invalid.

RR07

RemittanceInformationInvalid

Remittance information structure does not comply with rules for payment type.

RR08

RemittanceInformationTruncated

Remittance information truncated to comply with rules for payment type.

RR09

InvalidStructuredCreditorReference

Structured creditor reference invalid or missing.

RR10

InvalidCharacterSet

Character set supplied not valid for the country and payment type.

RR11

InvalidDebtorAgentServiceID

Invalid or missing identification of a bank proprietary service.

RR12

InvalidPartyID

Invalid or missing identification required within a particular country or payment type.

RTNS

RTPNotSupportedForDebtor

Debtor does not support request-to-pay transactions.

RUTA

ReturnUponUnableToApply

Return following investigation request and no remediation possible.

S000

ValidRequestForCancellationAcknowledged

Request for Cancellation is acknowledged following validation.

S001

UETRFlaggedForCancellation

Unique End-to-end Transaction Reference (UETR) relating to a payment has been identified as being associated with a Request for Cancellation.

S002

NetworkStopOfUETR

Unique End-to-end Transaction Reference (UETR) relating to a payment has been prevent from traveling across a messaging network.

S003

RequestForCancellationForwarded

Request for Cancellation has been forwarded to the payment processing/last payment processing agent.

S004

RequestForCancellationDeliveryAcknowledgement

Request for Cancellation has been acknowledged as delivered to payment processing/last payment processing agent.

SBRN

SettlementBatchRemovalNotification

Remove Concurrent Batch Processing Line on hold instruction.

SL01

SpecificServiceOfferedByDebtorAgent

Due to specific service offered by the Debtor Agent.

SL02

SpecificServiceOfferedByCreditorAgent

Due to specific service offered by the Creditor Agent.

SL03

ServiceofClearingSystem

Due to a specific service offered by the clearing system.

SL11

CreditorNotOnWhitelistOfDebtor

Whitelisting service offered by the Debtor Agent; Debtor has not included the Creditor on its “Whitelist” (yet). In the Whitelist the Debtor may list all allowed Creditors to debit Debtor bank account.

SL12

CreditorOnBlacklistOfDebtor

Blacklisting service offered by the Debtor Agent; Debtor included the Creditor on his “Blacklist”. In the Blacklist the Debtor may list all Creditors not allowed to debit Debtor bank account.

SL13

MaximumNumberOfDirectDebitTransactionsExceeded

Due to Maximum allowed Direct Debit Transactions per period service offered by the Debtor Agent.

SL14

MaximumDirectDebitTransactionAmountExceeded

Due to Maximum allowed Direct Debit Transaction amount service offered by the Debtor Agent.

SPII

RTPServiceProviderIdentifierIncorrect

Identifier of the request-to-pay service provider is incorrect.

TA01

TransmissonAborted

The transmission of the file was not successful – it had to be aborted (for technical reasons)

TD01

NoDataAvailable

There is no data available (for download)

TD02

FileNonReadable

The file cannot be read (e.g. unknown format)

TD03

IncorrectFileStructure

The file format is incomplete or invalid

TK01

TokenInvalid

Token is invalid.

TK02

SenderTokenNotFound

Token used for the sender does not exist.

TK03

ReceiverTokenNotFound

Token used for the receiver does not exist.

TK09

TokenMissing

Token required for request is missing.

TKCM

TokenCounterpartyMismatch

Token found with counterparty mismatch.

TKSG

TokenSingleUse

Single Use Token already used.

TKSP

TokenSuspended

Token found with suspended status.

TKVE

TokenValueLimitExceeded

Token found with value limit rule violation.

TKXP

TokenExpired

Token expired.

TM01

InvalidCutOffTime

Associated message, payment information block, or transaction was received after agreed processing cut-off time.

TS01

TransmissionSuccessful

The (technical) transmission of the file was successful.

TS04

TransferToSignByHand

The order was transferred to pass by accompanying note signed by hand

UCRD

UnknownCreditor

Unknown Creditor.

UPAY

UnduePayment

Payment is not justified.

ACCT

AccountRelatedInvestigation

Investigation relating to an account.

CCNR

CreditorClaimNonReceipt

Creditor claims non-receipt of payment.

CONR

CreditorAgentClaimCoverNonReceipt

Creditor agent claims non-receipt of cover or settlement.

OTHR

Other

Other request type.

PINC

PaymentInitiationNotConfirmed

Payment initiation has not been settled or confirmed.

RIMF

RequestFromIMF

Request from International Monetary Fund.

RQCH

RequestRelatedToCharges

Investigation relating to charges that have been taken or are requested.

RQDA

RequestDebitAuthorisation

Debit authorisation on an entry is requested.

RQFI

RequestForInformation

Further information is required on a payment, entry, message or instruction.

RQUF

RequestUseOfFunds

Use of funds on an entry is requested.

RQVA

RequestValueDateAdjustment

Revaluation of an entry is requested.

UTAP

UnableToApplyByCreditor

A booked entry cannot be applied by the creditor.

AMLI

AntiMoneyLaundering

Investigation relates to anti-money laundering.

FCCI

FinancialCrimeCompliance

Investigation relates to financial crimes compliance.

FRAD

Fraud

Investigation relates to fraud.

FWTR

FundsWireTransferRegulation

Investigation relates to funds/wire transfer regulation.

SANC

Sanctions

Investigation relates to sanctions.

UTEX

UnableToExecute

Investigation relates to a transaction that cannot be executed.

ACCT

AccountRelatedInvestigation

Investigation relating to an account.

AMLI

AntiMoneyLaundering

Request message relates to anti-money laundering.

AMNT

Amount

An amount element has triggered the investigation.

CAPU

CategoryPurpose

Payment type category purpose is incorrect, incomplete or missing.

CCNR

CreditorClaimNonReceipt

Creditor claims non-receipt of payment.

CHBE

ChargeBearer

Further information pertaining to the charge bearer is requested.

CHCO

RequestChequeCopy

Copy of cheque is requested.

CHIN

ChargesInformation

Further information pertaining to the charges information is requested.

CHNP

ChequeNotYetPaid

Cheque not yet paid despite being sent to agent.

CONR

CreditorAgentClaimCoverNonReceipt

Creditor agent claims non-receipt of cover or settlement.

CTAG

CreditorAgent

Further information pertaining to the creditor agent is requested.

CTOR

Creditor

Further information pertaining to the creditor is requested.

DRCO

RequestDraftCopy

Copy of draft is requested.

DTAG

DebtorAgent

Further information pertaining to the debtor agent is requested.

DTOR

Debtor

Further information pertaining to the debtor is requested.

FCCI

FinancialCrimeCompliance

Investigation relates to financial crimes compliance.

FRAD

FraudulentInstrument

Instrument is confirmed as fraudulent.

FWTR

FundsTransferRegulationOrWireTransferRegulation

Investigation relates to funds transfer regulation or wire transfer regulation.

IDRA

InstructedReimbursementAgent

Further information pertaining to the instructed reimbursement agent is requested.

IGRA

InstructingReimbursementAgent

Further information pertaining to the instructing reimbursement agent is requested.

INAG

IntermediaryAgent

Further information pertaining to an intermediary agent is requested.

INCA

InstructionForCreditorAgent

Further information pertaining to the instruction for creditor agent is requested.

INNA

InstructionForNextAgent

Further information pertaining to the instruction for next agent is requested.

INPA

InitiatingParty

Further information pertaining to the initiating party is requested.

ISAM

InterbankSettlementAmount

Interbank settlement amount is incorrect.

ISDT

InterbankSettlementDate

Interbank settlement date is incorrect.

NARR

Narrative

See AdditionalRequestData element for additional information

PINC

PaymentInitiationNotConfirmed

Payment initiation has not been settled or confirmed.

PURP

Purpose

Further information pertaining to the purpose is requested.

PYCC

PaymentClearingChannel

Payment type clearing channel is incorrect, incomplete or missing.

PYPU

PaymentPurpose

Transaction payment purpose is incorrect, incomplete or missing.

REDT

RequestedExecutionDate

Requested execution date is incorrect or missing.

REGR

RegulatoryReporting

Regulatory reporting is incomplete or missing.

REIN

RemittanceInformation

Remittance information is incorrect, incomplete or missing.

RERE

RelatedReference

Related transaction reference is incorrect, incomplete or missing.

RIMF

RequestFromIMF

Request from International Monetary Fund.

RQCD

RequestAccountClosureDate

Account closure date is requested.

RQCH

RequestRelatedToCharges

Investigation relating to charges that have been taken or are unpaid.

RQDA

RequestDebitAuthorisation

Debit authorisation on an entry is requested.

RQDO

RequestDocumentation

Documentation relating to the transaction is requested.

RQED

RequestServicesOrGoodsExchangeDate

Clarification over when goods or services were exchanged is requested.

RQLD

RequestLocationDetails

Clarification over location details is requested.

RQPR

RequestPartyRelationship

Clarification over a party relationship is requested.

RQSG

RequestServicesOrGoodsDetails

Clarification over goods or services involved is requested.

RQUF

RequestUseOfFunds

Use of funds on an entry is requested.

RQVA

RequestValueDateAdjustment

Revaluation of an entry is requested.

RQVD

RequestVesselOrAircraftDetails

Clarification over a vessel or aircraft is requested.

SEAC

SettlementAccount

Further information pertaining to the settlement account is requested.

STET

StatementEntry

Further information pertaining to a statement entry is requested.

SVLV

PaymentServiceLevel

Payment type service level is incorrect, incomplete or missing.

TAXD

Tax

Tax data is incomplete or missing.

TDRA

ThirdReimbursementAgent

Further information pertaining to the third reimbursement agent is requested.

ULTC

UltimateCreditor

Further information pertaining to the ultimate creditor is requested.

ULTD

UltimateDebtor

Further information pertaining to the ultimate debtor is requested.

UTAP

UnableToApplyByCreditor

A booked entry cannot be applied by the creditor.

ARNU

RequestAlienRegistrationNumber

Alien Registration Number is requested.

BANK

RequestBankPartyIdentification

Bank party identification is requested. This is a unique and unambiguous assignment made by a specific bank or similar financial institution to identify a relationship as defined between the bank and its client.

BDID

RequestBusinessDomainIdentifier

Identifier of the business domain in which the organisation is active is requested.

BOID

RequestBusinessOtherIdentification

Other identification of the organisation is requested.

CBID

RequestCentralBankIdentificationNumber

Central bank identification number is requested. This is a unique identification number assigned by a central bank to identify an organisation.

CCPT

RequestPassportNumber

Passport Number is requested.

CHID

RequestClearingIdentificationNumber

Clearing identification number is requested. This is a unique identification number assigned by a clearing house to identify an organisation

CINC

RequestCertificateOfIncorporationNumber

Certificate of incorporation number is requested. This is a unique identification number assigned by a designated authority to a certificate of incorporation and used to identify an organisation.

COID

RequestCountryIdentificationCode

Country identification code is requested. This is a country authority given organisation identification (e.g., corporate registration number)

CUST

RequestCustomerNumber

Customer number is requested. This is a number assigned by an issuer to identify a customer or a number assigned by a party to identify a creditor or debtor relationship.

DRLC

RequestDriversLicenseNumber

Drivers License Number is requested.

DUNS

RequestDataUniversalNumberingSystem

Data universal number is requested. This is a unique identification number provided by Dun & Bradstreet to identify an organisation.

EMPL

RequestEmployeeIdentificationNumber

Employee Identification Number is requested.

GS1G

RequestGS1GLNIdentifier

GS1GLN (Global location number) identifier is requested. This is a non-significant reference number used to identify legal entities, functional entities, or physical entities according to GS1 numbering scheme rules.The number is used to retrieve detailed information that is linked to it.

MMNA

MismatchNameAndAccount

Name and account are not matching.

NIDN

RequestNationalIdentityNumber

National Identity Number is requested.

POID

RequestPersonCommercialIdentification

Person Commercial Identification is requested.

RCBL

RequestCountriesofAllBusinessLocations

Countries of all business/operations locations are requested.

RCOO

RequestCountryOfOrigination

Country of origination is requested.

RICC

RequestIncorporationCountry

Incorporation country/country of registration is requested.

RICD

RequestIncorporationDate

Incorporation date is requested.

RPOC

RequestPortsOfCall

Ports of call are requested.

RQAB

RequestAirwayBill

Airway bill is requested.

RQAC

RequestAccount

Account is requested.

RQAL

RequestPostalAddressLine

Postal address line is requested.

RQAS

RequestPostalAddressSubDepartment

Postal address sub department is requested.

RQAT

RequestPostalAddressType

Postal address type is requested.

RQB1

RequestPostalAddressBuildingNumber

Postal address building number is requested.

RQBL

RequestBillOfLading

Bill of lading is requested.

RQBN

RequestPostalAddressBuildingName

Postal address building name is requested.

RQCB

RequestCityOfBirth

City of birth is requested.

RQCC

RequestPostalAddressCountry

Postal address country is requested.

RQCD

RequestCustomsDeclaration

Customs declaration is requested.

RQCI

RequestCountriesInvolvedInTransaction

Details of all countries involved in the transaction are requested.

RQCM

RequestIfPaymentCivilOrMilitaryInNature

Confirmation of whether transaction is civil or military in nature is requested.

RQCO

RequestCountryOfBirth

Country of birth is requested.

RQCS

RequestPostalAddressCountrySubDivision

Postal address country sub division is requested.

RQCT

RequestCountriesOfTransitBetweenDebtorAndCreditorInTransaction

Countries of transit between the debtor and creditor are requested.

RQCZ

RequestCitizenship

Citizenship is requested.

RQDB

RequestDateOfBirth

Date of birth is requested.

RQDE

RequestPostalAddressDepartment

Postal address department is requested.

RQDG

RequestDetailsOfGoods

Details of goods are requested.

RQDN

RequestPostalAddressDistrictName

Postal address district name is requested.

RQDS

RequestDetailsOfServices

Details of services are requested.

RQDV

RequestDatesOfVoyageForGoodServicesReferenceInTransaction

Dates of voyage for goods or services are requested.

RQFL

RequestPostalAddressFloor

Postal address floor is requested.

RQGD

RequestGoodsDate

Date upon which goods officially change ownership is requested.

RQGF

RequestGoodsFinalDestination

Final destination of goods is requested.

RQGL

RequestGeneralLicenseCopy

General license copy is requested.

RQHS

RequestHSCodesOfGoodsProvided

HS code of goods is requested.

RQIC

RequestIfInvolvementOfCharitySector

Confirmation of whether charitable sector is involved with transaction is requested.

RQID

RequestIndustry

Industry is requested.

RQIM

RequestIMOVesselInvolved

Vessel IMO is requested.

RQIN

RequestInvoiceCopy

Copy of invoice is requested.

RQKC

RequestKimberleyCertification

Kimberley certification is requested.

RQLB

RequestLineOfBusiness

Line of business is requested.

RQLE

RequestLEI

Legal entity identifier is requested.

RQLP

RequestIfLicenceApplicableOrRequiredForPayment

Licence applicable or required for payment is requested.

RQLS

RequestServicesLocation

Location of where services are carried out is requested.

RQNA

RequestNationality

Nationality is requested.

RQNM

RequestFullName

Full name is requested.

RQOC

RequestOccupation

Occupation is requested.

RQON

RequestLocationOfAnyOnwardTradeOfGoodsOrServices

Location of any onward trade of goods or services is requested.

RQOW

RequestOwnershipConfirmation

Confirmation of ownership is requested.

RQPA

RequestFullPostalAddress

Full postal address is requested.

RQPB

RequestPostalAddressPostBox

Postal address post box is requested.

RQPC

RequestPostalAddressPostCode

Postal address post code is requested.

RQPO

RequestProvinceOfBirth

Province of birth is requested.

RQPP

RequestPassportCopy

Copy of passport is requested.

RQRE

RequestDebtorAndCreditorRelationship

Relationship between Debtor and Creditor is requested.

RQRO

RequestPostalAddressRoom

Postal address room is requested.

RQSD

RequestServicesDate

Date upon which services are carried out is requested.

RQSL

RequestSpecificLicenseCopy

Specific license copy is requested.

RQSN

RequestPostalAddressStreetName

Postal address street name is requested.

RQTA

RequestTailNumberAircraftInvolved

Aircraft tail number is requested.

RQTD

RequestTransportDocumentation

Transport documentation is requested.

RQTL

RequestPostalAddressTownLocationName

Postal address town location name is requested.

RQTN

RequestPostalAddressTownName

Postal address town name is requested.

RQUO

RequestUnderlyingOwner

Underlying owner is requested.

RQUP

RequestUltimatePartiesInvolvedIncludingSourceOfFunds

Ultimate parties and source of funds are requested.

RQUS

RequestUSNexusStatus

Confirmation of whether US is nexus to transaction is requested.

SOSE

RequestSocialSecurityNumber

Social Security Number is requested.

SREN

RequestSIREN

SIREN number is requested. This is a 9 digit code assigned by INSEE, the French National Institute for Statistics and Economic Studies, to identify an organisation in France.

SRET

RequestSIRET

SIRET number is requested. This is a 14 digit code assigned by INSEE, the French National Institute for Statistics and Economic Studies, to identify an organisation unit in France. It consists of the SIREN number, followed by a five digit classification number, to identify the local geographical unit of that entity

TELE

RequestTelephoneNumber

Telephone Number is requested.

TXID

RequestTaxIdentificationNumber

Tax Identification Number is requested.

ADAC

AwaitingDebitAuthorityFromCustomer

Awaiting debit authorisation from customer.

AGNT

IncorrectAgentOrParty

Request message has been directed at an incorrect agent or party.

ARDT

AlreadyReturned

Investigation request not accepted as the transaction has already been returned.

ARJT

AlreadyRejectedTransaction

Underlying transaction already rejected.

ARPL

AwaitingReplyFromCustomer

Awaiting reply from customer.

CACR

ClosedAsCancellationRequestSent

Investigation closed as cancellation request for underlying transaction has been sent.

CAPR

ClosedAsPerRequest

Investigation closed as per the request message.

DU01

DuplicateRequest

Request message is duplicate, duplicate request message is rejected.

ESCA

Escalation

Special follow-up is taking place.

FTNA

InvestigationRequestForwardedToAgentOrParty

Request message forwarded to another agent or party, these may be indicated in NextResponder element.

INIT

IncorrectInvestigationType

Incorrect investigation type used in request message.

INPO

InProgress

Collation of response data is still ongoing.

LEGL

LegalDecision

Reported when the request cannot be accepted because of regulatory rules.

NARR

Narrative

See ResponseData element for additional information.

NOAD

NoAdditionalInformationAvailable

No additional information in relation to the request can be provided.

NOAS

NoAnswerFromCustomer

No reply from customer.

NOOR

NoOriginalTransactionReceived

Underlying transaction never received.

PARE

PartialResponse

Response message partially addresses the request, a further response message will follow.

RR04

RegulatoryReason

Regulatory Reason.

ACCT

AccountManagement

Transaction moves funds between 2 accounts of same account holder at the same bank.

ADCS

AdvisoryDonationCopyrightServices

Payments for donation, sponsorship, advisory, intellectual and other copyright services.

ADMG

AdministrativeManagement

Transaction is related to a payment associated with administrative management.

ADVA

AdvancePayment

Transaction is an advance payment.

AEMP

ActiveEmploymentPolicy

Payment concerning active employment policy.

AGRT

AgriculturalTransfer

Transaction is related to the agricultural domain.

AIRB

Air

Transaction is a payment for air transport related business.

ALLW

Allowance

Transaction is the payment of allowances.

ALMY

AlimonyPayment

Transaction is the payment of alimony.

AMEX

Amex

Card Settlement-Settlement of AMEX transactions.

ANNI

Annuity

Transaction settles annuity related to credit, insurance, investments, other.n

ANTS

AnesthesiaServices

Transaction is a payment for anesthesia services.

AREN

AccountsReceivablesEntry

Transaction is related to a payment associated with an Account Receivable Entry

AUCO

AuthenticatedCollections

Utilities-Settlement of Authenticated Collections transactions.

B112

TrailerFeePayment

US mutual fund trailer fee (12b-1) payment

BBSC

BabyBonusScheme

Transaction is related to a payment made as incentive to encourage parents to have more children

BCDM

BearerChequeDomestic

Transaction is the payment of a domestic bearer cheque.

BCFG

BearerChequeForeign

Transaction is the payment of a foreign bearer cheque.

BECH

ChildBenefit

Transaction is related to a payment made to assist parent/guardian to maintain child.

BENE

UnemploymentDisabilityBenefit

Transaction is related to a payment to a person who is unemployed/disabled.

BEXP

BusinessExpenses

Transaction is related to a payment of business expenses.

BFWD

BondForward

Cash collateral related to any securities traded out beyond 3 days which include treasury notes, JGBs and Gilts.

BKDF

BankLoanDelayedDrawFunding

Delayed draw funding. Certain issuers may utilize delayed draw loans whereby the lender is committed to fund cash
within a specified period once a call is made by the issuer. The lender receives a fee for entering into such a
commitment

BKFE

BankLoanFees

Bank loan fees. Cash activity related to specific bank loan fees, including (a) agent / assignment fees; (b) amendment fees; (c) commitment fees; (d) consent fees; (e) cost of carry fees; (f) delayed compensation fees; (g)
facility fees; (h) fronting fees; (i) funding fees; (j) letter of credit assignment fees

BKFM

BankLoanFundingMemo

Bank loan funding memo. Net cash movement for the loan contract final notification when sent separately from the
loan contract final notification instruction.

BKIP

BankLoanAccruedInterestPayment

Accrued interest payments. Specific to bank loans.

BKPP

BankLoanPrincipalPaydown

Principal paydowns. Specific to bank loans

BLDM

BuildingMaintenance

Transaction is related to a payment associated with building maintenance.

BNET

BondForwardNetting

Bond Forward pair-off cash net movement

BOCE

BackOfficeConversionEntry

Transaction is related to a payment associated with a Back Office Conversion Entry

BOND

Bonds

Securities Lending-Settlement of Bond transaction.

BONU

BonusPayment.

Transaction is related to payment of a bonus.

BR12

TrailerFeeRebate

US mutual fund trailer fee (12b-1) rebate payment

BUSB

Bus

Transaction is a payment for bus transport related business.

CABD

CorporateActions-Bonds

Securities Lending-Settlement of Corporate Actions: Bonds transactions.

CAEQ

CorporateActions-Equities

Securities Lending-Settlement of Corporate Actions: Equities transactions.

CAFI

CustodianManagementFeeInhouse

Transaction is the payment of custodian account management fee where custodian bank and current account servicing bank coincide

CASH

CashManagementTransfer

Transaction is a general cash management instruction.

CBCR

CreditCard

Card Settlement-Settlement of Credit Card transactions.

CBFF

CapitalBuilding

Transaction is related to capital building fringe fortune, ie capital building in general

CBFR

CapitalBuildingRetirement

Transaction is related to capital building fringe fortune for retirement

CBLK

CardBulkClearing

A Service that is settling money for a bulk of card transactions, while referring to a specific transaction file or other information like terminal ID, card acceptor ID or other transaction details.

CBTV

CableTVBill

Transaction is related to a payment of cable TV bill.

CCHD

CashCompensationHelplessnessDisability

Payments made by Government institute related to cash compensation, helplessness, disability. These payments are made by the Government institution as a social benefit in addition to regularly paid salary or pension.

CCIR

CrossCurrencyIRS

Cash Collateral related to a Cross Currency Interest Rate Swap, indicating the exchange of fixed interest payments in one currency for those in another.

CCPC

CCPClearedInitialMargin

Cash Collateral associated with an ISDA or Central Clearing Agreement that is covering the initial margin requirements for OTC trades clearing through a CCP.

CCPM

CCPClearedVariationMargin

Cash Collateral associated with an ISDA or Central Clearing Agreement that is covering the variation margin requirements for OTC trades clearing through a CCP.

CCRD

CreditCardPayment

Transaction is related to a payment of credit card account.

CCSM

CCPClearedInitialMarginSegregatedCash

CCP Segregated initial margin: Initial margin on OTC Derivatives cleared through a CCP that requires segregation

CDBL

CreditCardBill

Transaction is related to a payment of credit card bill.

CDCB

CardPaymentWithCashBack

Purchase of Goods and Services with additional Cash disbursement at the POI (Cashback)

CDCD

CashDisbursementCashSettlement

ATM Cash Withdrawal in an unattended or Cash Advance in an attended environment (POI or bank counter)

CDCS

CashDisbursementWithSurcharging

ATM Cash Withdrawal in an unattended or Cash Advance in an attended environment (POI or bank counter) with surcharging.

CDDP

CardDeferredPayment

A combined service which enables the card acceptor to perform an authorisation for a temporary amount and a completion for the final amount within a limited time frame. Deferred Payment is only available in the unattended environment.
Examples where this service is widely used are unattended petrol pumps and phone booths

CDEP

CreditDefaultEventPayment

Payment related to a credit default event

CDOC

OriginalCredit

A service which allows the card acceptor to effect a credit to a cardholder' account. Unlike a Merchant Refund, an Original Credit is not preceded by a card payment. This service is used for example for crediting winnings from gaming.

CDQC

QuasiCash

Purchase of Goods which are equivalent to cash like coupons in casinos.

CFDI

CapitalFallingDueInhouse

Transaction is the payment of capital falling due where custodian bank and current account servicing bank coincide

CFEE

CancellationFee

Transaction is related to a payment of cancellation fee.

CGDD

CardGeneratedDirectDebit

Transaction is related to a direct debit where the mandate was generated by using data from a payment card at the point of sale.

CHAR

CharityPayment

Transaction is a payment for charity reasons.

CLPR

CarLoanPrincipalRepayment

Transaction is a payment of car loan principal payment.

CMDT

CommodityTransfer

Transaction is payment of commodities.

COLL

CollectionPayment

Transaction is a collection of funds initiated via a credit transfer or direct debit.

COMC

CommercialPayment

Transaction is related to a payment of commercial credit or debit. (formerly CommercialCredit)

COMM

Commission

Transaction is payment of commission.

COMP

CompensationPayment

Transaction is related to the payment of a compensation relating to interest loss/value date adjustment and can include fees.

COMT

ConsumerThirdPartyConsolidatedPayment

Transaction is a payment used by a third party who can collect funds to pay on behalf of consumers, ie credit counseling or bill payment companies.

CORT

TradeSettlementPayment

Transaction is related to settlement of a trade, e.g. a foreign exchange deal or a securities transaction.

COST

Costs

Transaction is related to payment of costs.

CPEN

CashPenalties

Cash penalties related to securities transaction, including CSDR Settlement Discipline Regime.

CPKC

CarparkCharges

Transaction is related to carpark charges.

CPYR

Copyright

Transaction is payment of copyright.

CRDS

CreditDefaultSwap

Cash collateral related to trading of credit default swap.

CRPR

CrossProduct

Cash collateral related to a combination of various types of trades.

CRSP

CreditSupport

Cash collateral related to cash lending/borrowing; letter of Credit; signing of master agreement.

CRTL

CreditLine

Cash collateral related to opening of a credit line before trading.

CSDB

CashDisbursementCashManagement

Transaction is related to cash disbursement.

CSLP

CompanySocialLoanPaymentToBank

Transaction is a payment by a company to a bank for financing social loans to employees.

CVCF

ConvalescentCareFacility

Transaction is a payment for convalescence care facility services.

DBCR

DebitCard

Card Settlement-Settlement of Debit Card transactions.

DBTC

DebitCollectionPayment

Collection of funds initiated via a debit transfer.

DCRD

DebitCardPayment

Transaction is related to a debit card payment.

DEBT

ChargesBorneByDebtor

Purpose of payment is the settlement of charges payable by the debtor in relation to an underlying customer credit transfer.

DEPD

DependentSupportPayment

Transaction is related to a payment concerning dependent support, for example child support or support for a person substantially financially dependent on the support provider.

DEPT

Deposit

Transaction is releted to a payment of deposit.

DERI

Derivatives

Transaction is related to a derivatives transaction

DICL

Diners

Card Settlement-Settlement of Diners transactions.

DIVD

Dividend

Transaction is payment of dividends.

DMEQ

DurableMedicaleEquipment

Transaction is a payment is for use of durable medical equipment.

DNTS

DentalServices

Transaction is a payment for dental services.

DSMT

PrintedOrderDisbursement

Transaction is the payment of a disbursement due to a specific type of printed order for a payment of a specified sum, issued by a bank or a post office (Zahlungsanweisung zur Verrechnung)

DVPM

DeliverAgainstPayment

Code used to pre-advise the account servicer of a forthcoming deliver against payment instruction.

ECPG

GuaranteedEPayment

E-Commerce payment with payment guarantee of the issuing bank.

ECPR

EPaymentReturn

E-Commerce payment return.

ECPU

NonGuaranteedEPayment

E-Commerce payment without payment guarantee of the issuing bank.

EDUC

Education

Transaction is related to a payment of study/tuition fees.

EFTC

LowValueCredit

Utilities-Settlement of Low value Credit transactions.

EFTD

LowValueDebit

Utilities-Settlement of Low value Debit transactions.

ELEC

ElectricityBill

Transaction is related to a payment of electricity bill.

ENRG

Energies

Transaction is related to a utility operation.

EPAY

Epayment

Transaction is related to ePayment.

EQPT

EquityOption

Cash collateral related to trading of equity option (Also known as stock options).

EQTS

Equities

Securities Lending-Settlement of Equities transactions.

EQUS

EquitySwap

Cash collateral related to equity swap trades where the return of an equity is exchanged for either a fixed or a floating rate of interest.

ESTX

EstateTax

Transaction is related to a payment of estate tax.

ETUP

EPurseTopUp

Transaction is related to a Service that is first reserving money from a card account and then is loading an e-purse application by this amount.

EXPT

ExoticOption

Cash collateral related to trading of an exotic option for example a non-standard option.

EXTD

ExchangeTradedDerivatives

Cash collateral related to trading of exchanged traded derivatives in general (Opposite to Over the Counter (OTC)).

FACT

FactorUpdateRelatedPayment

Payment related to a factor update

FAND

FinancialAidInCaseOfNaturalDisaster

Financial aid by State authorities for abolition of consequences of natural disasters.

FCOL

FeeCollection

A Service that is settling card transaction related fees between two parties.

FCPM

LatePaymentOfFeesAndCharges

Transaction is the payment for late fees & charges. E.g Credit card charges

FEES

PaymentOfFees

Payment of fees/charges.

FERB

Ferry

Transaction is a payment for ferry related business.

FIXI

FixedIncome

Cash collateral related to a fixed income instrument

FLCR

FleetCard

Card Settlement-Settlement of Fleet transactions.

FNET

FuturesNettingPayment

Cash associated with a netting of futures payments. Refer to CCPM codeword for netting of initial and variation margin through a CCP

FORW

ForwardForeignExchange

FX trades with a value date in the future.

FREX

ForeignExchange

Transaction is related to a foreign exchange operation.

FUTR

Futures

Cash related to futures trading activity.

FWBC

ForwardBrokerOwnedCashCollateral

Cash collateral payment against a Master Forward Agreement (MFA) where the cash is held in a segregated account and is not available for use by the client. Includes any instruments with a forward settling date such TBAs, repurchase agreements and bond forwards

FWCC

ForwardClientOwnedCashCollateral

Cash collateral payment against a Master Forward Agreement (MFA) where the cash is owned and may be used by the client when returned. Includes any instruments with a forward settling date such TBAs, repurchase agreements and bond forwards

FWLV

ForeignWorkerLevy

Transaction is related to a payment of Foreign Worker Levy

FWSB

ForwardBrokerOwnedCashCollateralSegregated

Any cash payment related to the collateral for a Master Agreement forward, which is segregated, and not available for use by the client. Example master agreement forwards include TBA, repo and Bond Forwards.

FWSC

ForwardClientOwnedSegregatedCashCollateral

Any cash payment related to the collateral for a Master agreement forward, which is owned by the client and is available for use by the client when it is returned to them from the segregated account. Example master agreement forwards include TBA, repo and Bond Forwards.

FXNT

ForeignExchangeRelatedNetting

FX netting if cash is moved by separate wire instead of within the closing FX instruction

GAFA

GovernmentFamilyAllowance

Salary and Benefits-Allowance from government to support family.

GAHO

GovernmentHousingAllowance

Salary and Benefits-Allowance from government to individuals to support payments of housing.

GAMB

GamblingOrWageringPayment

General-Payments towards a purchase or winnings received from gambling, betting or other wagering activities.

GASB

GasBill

Transaction is related to a payment of gas bill.

GDDS

PurchaseSaleOfGoods

Transaction is related to purchase and sale of goods.

GDSV

PurchaseSaleOfGoodsAndServices

Transaction is related to purchase and sale of goods and services.

GFRP

GuaranteeFundRightsPayment

Compensation to unemployed persons during insolvency procedures.

GIFT

Gift

Payment with no commercial or statutory purpose.

GOVI

GovernmentInsurance

Transaction is related to a payment of government insurance.

GOVT

GovernmentPayment

Transaction is a payment to or from a government department.

GSCB

PurchaseSaleOfGoodsAndServicesWithCashBack

Transaction is related to purchase and sale of goods and services with cash back.

GSTX

GoodsServicesTax

Transaction is the payment of Goods & Services Tax

GVEA

AustrianGovernmentEmployeesCategoryA

Transaction is payment to category A Austrian government employees.

GVEB

AustrianGovernmentEmployeesCategoryB

Transaction is payment to category B Austrian government employees.

GVEC

AustrianGovernmentEmployeesCategoryC

Transaction is payment to category C Austrian government employees.

GVED

AustrianGovernmentEmployeesCategoryD

Transaction is payment to category D Austrian government employees.

GWLT

GovermentWarLegislationTransfer

Payment to victims of war violence and to disabled soldiers.

HEDG

Hedging

Transaction is related to a hedging operation.

HLRP

PropertyLoanRepayment

Transaction is related to a payment of property loan.

HLST

PropertyLoanSettlement

Transaction is related to the settlement of a property loan.

HLTC

HomeHealthCare

Transaction is a payment for home health care services.

HLTI

HealthInsurance

Transaction is a payment of health insurance.

HREC

HousingRelatedContribution

Transaction is a contribution by an employer to the housing expenditures (purchase, construction, renovation) of the employees within a tax free fringe benefit system

HSPC

HospitalCare

Transaction is a payment for hospital care services.

HSTX

HousingTax

Transaction is related to a payment of housing tax.

ICCP

IrrevocableCreditCardPayment

Transaction is reimbursement of credit card payment.

ICRF

IntermediateCareFacility

Transaction is a payment for intermediate care facility services.

IDCP

IrrevocableDebitCardPayment

Transaction is reimbursement of debit card payment.

IHRP

InstalmentHirePurchaseAgreement

Transaction is payment for an installment/hire-purchase agreement.

INPC

InsurancePremiumCar

Transaction is a payment of car insurance premium.

INPR

InsurancePremiumRefund

Transaction is related to an insurance premium refund.

INSC

PaymentOfInsuranceClaim

Transaction is related to the payment of an insurance claim.

INSM

Installment

Transaction is related to a payment of an installment.

INSU

InsurancePremium

Transaction is payment of an insurance premium.

INTC

IntraCompanyPayment

Transaction is an intra-company payment, ie, a payment between two companies belonging to the same group.

INTE

Interest

Transaction is payment of interest.

INTP

IntraPartyPayment

Transaction is a payment between two accounts belonging to the same party (intra-party payment), where party is a natural person (identified by a private ID, not organisation ID).

INTX

IncomeTax

Transaction is related to a payment of income tax.

INVS

InvestmentAndSecurities

Transaction is for the payment of mutual funds, investment products and shares

IPAY

InstantPayments

Transaction in which the amount is available to the payee immediately.

IPCA

InstantPaymentsCancellation

Transaction in which the Return of the amount is fully returned.

IPDO

InstantPaymentsForDonations

Transaction in which the amount is available to the payee immediately, done for donations, with sending the address data of the payer.

IPEA

InstantPaymentsInECommerceWithoutAddressData

Transaction in which the amount is available to the payee immediately, done in E-commerce, without sending the address data of the payer.

IPEC

InstantPaymentsInECommerceWithAddressData

Transaction in which the amount is available to the payee immediately, done in E-commerce, with sending the address data of the payer.

IPEW

InstantPaymentsInECommerce

Transaction in which the amount is available to the payee immediately, done in E-commerce.

IPPS

InstantPaymentsAtPOS

Transaction in which the amount is available to the payee immediately, done at POS.

IPRT

InstantPaymentsReturn

Transaction in which the Return of the amount is fully or partial returned.

IPU2

InstantPaymentsUnattendedVendingMachineWith2FA

Transaction is made via an unattending vending machine by using 2-factor-authentification.

IPUW

InstantPaymentsUnattendedVendingMachineWithout2FA

Transaction is made via an unattending vending machine by without using 2-factor-authentification.

IVPT

InvoicePayment

Transaction is the payment for invoices.

LBIN

LendingBuyInNetting

Net payment related to a buy-in. When an investment manager is bought in on a sell trade that fails due to a failed securities lending recall, the IM may seize the underlying collateral to pay for the buy-in. Any difference between the value of the collateral and the sell proceeds would be paid or received under this code

LBRI

LaborInsurance

Transaction is a payment of labor insurance.

LCOL

LendingCashCollateralFreeMovement

Free movement of cash collateral. Cash collateral paid by the borrower is done separately from the delivery of the shares at loan opening or return of collateral done separately from return of the loaned security. Note: common when the currency of the security is different the currency of the cash collateral.

LFEE

LendingFees

Fee payments, other than rebates, for securities lending. Includes (a) exclusive fees; (b) transaction fees; (c)
custodian fees; (d) minimum balance fees

LICF

LicenseFee

Transaction is payment of a license fee.

LIFI

LifeInsurance

Transaction is a payment of life insurance.

LIMA

LiquidityManagement

Bank initiated account transfer to support zero target balance management, pooling or sweeping.

LMEQ

LendingEquityMarkedToMarketCashCollateral

Cash collateral payments resulting from the marked-to-market of a portfolio of loaned equity securities

LMFI

LendingFixedIncomeMarkedToMarketCashCollateral

Cash collateral payments resulting from the marked-to-market of a portfolio of loaned fixed income securities

LMRK

LendingUnspecifiedTypeOfMarkedToMarketCashCollateral

Cash collateral payments resulting from the marked-to-market of a portfolio of loaned securities where the instrument
types are not specified

LOAN

Loan

Transaction is related to transfer of loan to borrower.

LOAR

LoanRepayment

Transaction is related to repayment of loan to lender.

LOTT

LotteryPayment

General-Payment towards a purchase or winnings received from lottery activities.

LREB

LendingRebatePayments

Securities lending rebate payments

LREV

LendingRevenuePayments

Revenue payments made by the lending agent to the client

LSFL

LendingClaimPayment

Payments made by a borrower to a lending agent to satisfy claims made by the investment manager related to sell fails from late loan recall deliveries

LTCF

LongTermCareFacility

Transaction is a payment for long-term care facility services.

MAFC

MedicalAidFundContribution

Transaction is contribution to medical aid fund.

MARF

MedicalAidRefund

Transaction is related to a medical aid refund.

MARG

DailyMarginOnListedDerivatives

Daily margin on listed derivatives – not segregated as collateral associated with an FCM agreement. Examples
include listed futures and options margin payments; premiums for listed options not covered in the MT54X message

MBSB

MBSBrokerOwnedCashCollateral

MBS Broker Owned Segregated (40Act/Dodd Frank) Cash Collateral - Any cash payment related to the collateral for a Mortgage Back Security, which is segregated, and not available for use by the client.

MBSC

MBSClientOwnedCashCollateral

MBS Client Owned Cash Segregated (40Act/Dodd Frank) Cash Collateral - Any cash payment related to the collateral for a Mortgage Back Security, which is owned by the client and is available for use by the client when it is returned to them from the segregated account

MCDM

MultiCurrenyChequeDomestic

Transaction is the payment of a domestic multi-currency cheque

MCFG

MultiCurrenyChequeForeign

Transaction is the payment of a foreign multi-currency cheque

MDCS

MedicalServices

Transaction is a payment for medical care services.

MGCC

FuturesInitialMargin

Initial futures margin. Where such payment is owned by the client and is available for use by them on return

MGSC

FuturesInitialMarginClientOwnedSegregatedCashCollateral

Margin Client Owned Segregated Cash Collateral - Any cash payment related to the collateral for initial futures margin, which is owned by the client and is available for use by the client when it is returned to them from the segregated account.

MOMA

MoneyMarket

Securities Lending-ettlement of Money Market PCH.

MP2B

MobileP2BPayment

A service which enables a user to use an app on its mobile to pay a merchant or other business payees by initiating a payment message. Within this context, the account information or an alias of the payee might be transported through different channels to the app, for example QR Code, NFC, Bluetooth, other Networks.

MP2P

MobileP2PPayment

A service which enables a user to use an app on its mobile to initiate moving funds from his/her bank account to another person’s bank account while not using the account number but an alias information like an MSISDN as account addressing information in his/her app.

MSVC

MultipleServiceTypes

Transaction is related to a payment for multiple service types.

MTUP

MobileTopUp

A Service that is first reserving money from a card account and then is loading a prepaid mobile phone amount by this amount.

NETT

Netting

Transaction is related to a netting operation.

NITX

NetIncomeTax

Transaction is related to a payment of net income tax.

NOWS

NotOtherwiseSpecified

Transaction is related to a payment for type of services not specified elsewhere.

NWCH

NetworkCharge

Transaction is related to a payment of network charges.

NWCM

NetworkCommunication

Transaction is related to a payment of network communication.

OCCC

ClientOwnedOCCPledgedCollateral

Client owned collateral identified as eligible for OCC pledging

OCDM

OrderChequeDomestic

Transaction is the payment of a domestic order cheque

OCFG

OrderChequeForeign

Transaction is the payment of a foreign order cheque

OFEE

OpeningFee

Transaction is related to a payment of opening fee.

OPBC

OTCOptionBrokerOwnedCashCollateral

Cash collateral payment for OTC options associated with an FCM agreement. Where such payment is segregated and not available for use by the client

OPCC

OTCOptionClientOwnedCashCollateral

Cash collateral payment for OTC options associated with an FCM agreement. Where such payment is not segregated and is available for use by the client upon return

OPSB

OTCOptionBrokerOwnedSegregatedCashCollateral

Option Broker Owned Segregated Cash Collateral - Any cash payment related to the collateral for an OTC option, which is segregated, and not available for use by the client.

OPSC

OTCOptionClientOwnedCashSegregatedCashCollateral

Option Client Owned Cash Segregated Cash Collateral - Any cash payment related to the collateral for an OTC option, which is owned by the client and is available for use by the client when it is returned to them from the segregated account

OPTN

FXOption

Cash collateral related to trading of option on Foreign Exchange.

OTCD

OTCDerivatives

Cash collateral related to Over-the-counter (OTC) Derivatives in general for example contracts which are traded and privately negotiated.

OTHR

Other

Other payment purpose.

OTLC

OtherTelecomRelatedBill

Transaction is related to a payment of other telecom related bill.

PADD

PreauthorizedDebit

Transaction is related to a pre-authorized debit origination

PAYR

Payroll

Transaction is related to the payment of payroll.

PCOM

PropertyCompletionPayment

Final payment to complete the purchase of a property.

PDEP

PropertyDeposit

Payment of the deposit required towards purchase of a property.

PEFC

PensionFundContribution

Transaction is contribution to pension fund.

PENO

PaymentBasedOnEnforcementOrder

Payment based on enforcement orders except those arising from judicial alimony decrees.

PENS

PensionPayment

Transaction is the payment of pension.

PHON

TelephoneBill

Transaction is related to a payment of telephone bill.

PLDS

PropertyLoanDisbursement

Payment of funds from a lender as part of the issuance of a property loan.

PLRF

PropertyLoanRefinancing

Transfer or extension of a property financing arrangement to a new deal or loan provider, without change of ownership of property.

POPE

PointOfPurchaseEntry

Transaction is related to a payment associated with a Point of Purchase Entry.

PPTI

PropertyInsurance

Transaction is a payment of property insurance.

PRCP

PricePayment

Transaction is related to a payment of a price.

PRME

PreciousMetal

Transaction is related to a precious metal operation.

PTSP

PaymentTerms

Transaction is related to payment terms specifications

PTXP

PropertyTax

Transaction is related to a payment of property tax.

RAPI

RapidPaymentInstruction

Instant Payments-Settlement of Rapid Payment Instruction (RPI) transactions.

RCKE

RepresentedCheckEntry

Transaction is related to a payment associated with a re-presented check entry

RCPT

ReceiptPayment

Transaction is related to a payment of receipt.

RDTX

RoadTax

Transaction is related to a payment of road tax.

REBT

Rebate

Transaction is the payment of a rebate.

REFU

Refund

Transaction is the payment of a refund.

RELG

RentalLeaseGeneral

Transaction is for general rental/lease.

RENT

Rent

Transaction is the payment of rent.

REOD

AccountOverdraftRepayment

Transaction is for account overdraft repayment

REPO

RepurchaseAgreement

Cash collateral related to a repurchase agreement transaction.

RETL

RetailPayment

Retail payment including e-commerce and online shopping.

RHBS

RehabilitationSupport

Benefit for the duration of occupational rehabilitation.

RIMB

ReimbursementOfAPreviousErroneousTransaction

Transaction is related to a reimbursement of a previous erroneous transaction.

RINP

RecurringInstallmentPayment

Transaction is related to a payment of a recurring installment made at regular intervals.

RLWY

Railway

Transaction is a payment for railway transport related business.

ROYA

Royalties

Transaction is the payment of royalties.

RPBC

BilateralRepoBrokerOwnedCollateral

Bi-lateral repo broker owned collateral associated with a repo master agreement – GMRA or MRA Master Repo
Agreements

RPCC

RepoClientOwnedCollateral

Repo client owned collateral associated with a repo master agreement – GMRA or MRA Master Repo Agreements

RPNT

BilateralRepoInternetNetting

Bi-lateral repo interest net/bulk payment at rollover/pair-off or other closing scenarios where applicable

RPSB

BilateralRepoBrokerOwnedSegregatedCashCollateral

Bi-lateral repo broker owned segregated cash collateral associated with a repo master agreement

RPSC

BilateralRepoClientOwnedSegregatedCashCollateral

Repo client owned segregated collateral associated with a repo master agreement

RRBN

RoundRobin

Cash payment resulting from a Round Robin

RRCT

ReimbursementReceivedCreditTransfer

Transaction is related to a reimbursement for commercial reasons of a correctly received credit transfer.

RRTP

RelatedRequestToPay

Transaction is related to a Request to Pay.

RVPM

ReceiveAgainstPayment

Code used to pre-advise the account servicer of a forthcoming receive against payment instruction.

RVPO

ReverseRepurchaseAgreement

Cash collateral related to a reverse repurchase agreement transaction.

SALA

SalaryPayment

Transaction is the payment of salaries.

SASW

ATM

Card Settlement-Settlement of ATM transactions.

SAVG

Savings

Transfer to savings/retirement account.

SBSC

SecuritiesBuySellSellBuyBack

Cash collateral related to a Securities Buy Sell Sell Buy Back

SCIE

SingleCurrencyIRSExotic

Cash collateral related to Exotic single currency interest rate swap.

SCIR

SingleCurrencyIRS

Cash collateral related to Single Currency Interest Rate Swap.

SCRP

SecuritiesCrossProducts

Cash collateral related to Combination of securities-related exposure types.

SCVE

PurchaseSaleOfServices

Transaction is related to purchase and sale of services.

SECU

Securities

Transaction is the payment of securities.

SEPI

SecuritiesPurchaseInhouse

Transaction is the payment of a purchase of securities where custodian bank and current account servicing bank coincide

SERV

ServiceCharges

Transaction is related to service charges charged by a service provider.

SHBC

BrokerOwnedCollateralShortSale

Short Sale broker owned collateral associated with a prime broker agreement

SHCC

ClientOwnedCollateralShortSale

Short Sale client owned collateral associated with a prime brokerage agreement

SHSL

ShortSell

Cash Collateral related to a Short Sell

SLEB

SecuritiesLendingAndBorrowing

Cash collateral related to Securities lending and borrowing.

SLOA

SecuredLoan

Cash collateral related to a Secured loan.

SLPI

PaymentSlipInstruction

Transaction is payment of a well formatted payment slip.

SPLT

SplitPayments

Split payments. To be used when cash and security movements for a security trade settlement are instructed
separately.

SPSP

SalaryPensionSumPayment

Salary or pension payment for more months in one amount or a delayed payment of salaries or pensions.

SSBE

SocialSecurityBenefit

Transaction is a social security benefit, ie payment made by a government to support individuals.

STDY

Study

Transaction is related to a payment of study/tuition costs.

SUBS

Subscription

Transaction is related to a payment of information or entertainment services either in printed or electronic form.

SUPP

SupplierPayment

Transaction is related to a payment to a supplier.

SWBC

SwapBrokerOwnedCashCollateral

Cash collateral payment for swaps associated with an ISDA agreement. . Where such payment is segregated and
not available for use by the client. Includes any cash collateral payments made under the terms of a CSA agreement
for instruments such as swaps and FX forwards.

SWCC

SwapClientOwnedCashCollateral

Cash collateral payment for swaps associated with an ISDA agreement. Where such payment is not segregated and
is available for use by the client upon return. Includes any cash collateral payments made under the terms of a CSA
agreement for instruments such as swaps and FX forwards.

SWFP

SwapContractFinalPayment

Final payments for a swap contract

SWPP

SwapContractPartialPayment

Partial payment for a swap contract

SWPT

Swaption

Cash collateral related to an option on interest rate swap.

SWRS

SwapContractResetPayment

Reset payment for a swap contract

SWSB

SwapsBrokerOwnedSegregatedCashCollateral

Swaps Broker Owned Segregated Cash Collateral - Any cash payment related to the collateral for Swap margin ,
which is segregated, and not available for use by the client. This includes any collateral identified in a CSA
agreement such as Swap or FX Forward collateral.

SWSC

SwapsClientOwnedSegregatedCashCollateral

Swaps Client Owned Segregated Cash Collateral - Any cash payment related to the collateral for Swap margin,
which is owned by the client and is available for use by the client when returned from the segregated account. This
includes any collateral identified in a CSA agreement such as Swap or FX Forward collateral.

SWUF

SwapContractUpfrontPayment

Upfront payment for a swap contract

TAXR

TaxRefund

Transaction is the refund of a tax payment or obligation.

TAXS

TaxPayment

Transaction is the payment of taxes.

TBAN

TBAPairOffNetting

TBA pair-off cash wire net movement

TBAS

ToBeAnnounced

Cash collateral related to a To Be Announced (TBA)

TBBC

TBABrokerOwnedCashCollateral

Cash collateral payment (segregated) for TBA securities associated with a TBA Master Agreement. Where such payment is segregated and not available for use by the client.

TBCC

TBAClientOwnedCashCollateral

Cash collateral payment (for use by client)for TBA securities associated with a TBA Master Agreement. Where such payment is not segregated and is available for use by the client upon return.

TBIL

TelecommunicationsBill

Transaction is related to a payment of telecommunications related bill.

TCSC

TownCouncilServiceCharges

Transaction is related to a payment associated with charges levied by a town council.

TELI

TelephoneInitiatedTransaction

Transaction is related to a payment initiated via telephone.

TLRF

NonUSMutualFundTrailerFeePayment

Any non-US mutual fund trailer fee (retrocession) payment (use ISIN to determine onshore versus offshore designation)

TLRR

NonUSMutualFundTrailerFeeRebatePayment

Any non-US mutual fund trailer fee (retrocession) rebate payment (use ISIN to determine onshore versus offshore designation)

TMPG

TMPGClaimPayment

Cash payment resulting from a TMPG Claim

TPRI

TriPartyRepoInterest

Tri-Party Repo related interest

TPRP

TriPartyRepoNetting

Tri-party Repo related net gain/loss cash movement

TRAD

Commercial

Transaction is related to a trade services operation.

TRCP

TreasuryCrossProduct

Cash collateral related to a combination of treasury-related exposure types.

TREA

TreasuryPayment

Transaction is related to treasury operations.

TRFD

TrustFund

Transaction is related to a payment of a trust fund.

TRNC

TruncatedPaymentSlip

Transaction is payment of a beneficiary prefilled payment slip where beneficiary to payer information is truncated.

TRPT

RoadPricing

Transaction is for the payment to top-up pre-paid card and electronic road pricing for the purpose of transportation

TRVC

TravellerCheque

Transaction is the payment of a travellers cheque

UBIL

Utilities

Transaction is for the payment to common utility provider that provide gas, water and/or electricity.

UNIT

UnitTrustPurchase

Transaction is purchase of Unit Trust

VATX

ValueAddedTaxPayment

Transaction is the payment of value added tax.

VIEW

VisionCare

Transaction is a payment for vision care services.

WEBI

InternetInitiatedTransaction

Transaction is related to a payment initiated via internet.

WHLD

WithHolding

Transaction is related to a payment of withholding tax.

WTER

WaterBill

Transaction is related to a payment of water bill.

AC01

IncorrectAccountNumber

Account number is invalid or missing.

AC02

InvalidDebtorAccountNumber

Debtor account number invalid or missing

AC03

InvalidCreditorAccountNumber

Creditor account number invalid or missing

AC04

ClosedAccountNumber

Account number specified has been closed on the bank of account's books.

AC06

BlockedAccount

Account specified is blocked, prohibiting posting of transactions against it.

AC07

ClosedCreditorAccountNumber

Creditor account number closed

AC13

InvalidDebtorAccountType

Debtor account type missing or invalid

AC14

InvalidCreditorAccountType

Creditor account type missing or invalid

AC15

AccountDetailsChanged

The account details for the counterparty have changed.

AC16

CardNumberInvalid

Credit or debit card number is invalid.

AC17

AG01

TransactionForbidden

Transaction forbidden on this type of account (formerly NoAgreement)

AG02

InvalidBankOperationCode

Bank Operation code specified in the message is not valid for receiver

AG07

UnsuccesfulDirectDebit

Debtor account cannot be debited for a generic reason.
Code value may be used in general purposes and as a replacement for AM04 if debtor bank does not reveal its customer's insufficient funds for privacy reasons

AGNT

IncorrectAgent

Agent in the payment workflow is incorrect

AM01

ZeroAmount

Specified message amount is equal to zero

AM02

NotAllowedAmount

Specific transaction/message amount is greater than allowed maximum

AM03

NotAllowedCurrency

Specified message amount is an non processable currency outside of existing agreement

AM04

InsufficientFunds

Amount of funds available to cover specified message amount is insufficient.

AM05

Duplication

Duplication

AM06

TooLowAmount

Specified transaction amount is less than agreed minimum.

AM07

BlockedAmount

Amount specified in message has been blocked by regulatory authorities.

AM09

WrongAmount

Amount received is not the amount agreed or expected

AM10

InvalidControlSum

Sum of instructed amounts does not equal the control sum.

ARDT

BE01

InconsistenWithEndCustomer

Identification of end customer is not consistent with associated account number. (formerly CreditorConsistency).

BE04

MissingCreditorAddress

Specification of creditor's address, which is required for payment, is missing/not correct (formerly IncorrectCreditorAddress).

BE05

UnrecognisedInitiatingParty

Party who initiated the message is not recognised by the end customer

BE06

UnknownEndCustomer

End customer specified is not known at associated Sort/National Bank Code or does no longer exist in the books

BE07

MissingDebtorAddress

Specification of debtor's address, which is required for payment, is missing/not correct.

BE08

MissingDebtorName

Debtor name is missing

BE10

InvalidDebtorCountry

Debtor country code is missing or invalid

BE11

InvalidCreditorCountry

Creditor country code is missing or invalid

BE16

InvalidDebtorIdentificationCode

Debtor or Ultimate Debtor identification code missing or invalid

BE17

InvalidCreditorIdentificationCode

Creditor or Ultimate Creditor identification code missing or invalid

CN01

AuthorisationCancelled

Authorisation is cancelled.

CNOR

CreditorBankIsNotRegistered

Creditor bank is not registered under this BIC in the CSM

CNPC

CURR

IncorrectCurrency

Currency of the payment is incorrect

CUST

RequestedByCustomer

Cancellation requested by the Debtor

DC04

DNOR

DebtorBankIsNotRegistered

Debtor bank is not registered under this BIC in the CSM

DS28

ReturnForTechnicalReason

Message routed to the wrong environment.

DT01

InvalidDate

Invalid date (eg, wrong or missing settlement date)

DT02

InvalidCreationDate

Invalid creation date and time in Group Header (eg, historic date)

DT04

FutureDateNotSupported

Future date not supported

DUPL

DuplicatePayment

Payment is a duplicate of another payment

ED01

CorrespondentBankNotPossible

Correspondent bank not possible.

ED03

BalanceInfoRequest

Balance of payments complementary info is requested

ED05

SettlementFailed

Settlement of the transaction has failed.

EMVL

ERIN

ERIOptionNotSupported

Extended Remittance Information (ERI) option is not supported.

FF03

InvalidPaymentTypeInformation

Payment Type Information is missing or invalid.
Generic usage if cannot specify Service Level or Local Instrument code

FF04

InvalidServiceLevelCode

Service Level code is missing or invalid

FF05

InvalidLocalInstrumentCode

Local Instrument code is missing or invalid

FF06

InvalidCategoryPurposeCode

Category Purpose code is missing or invalid

FF07

InvalidPurpose

Purpose is missing or invalid

FOCR

FollowingCancellationRequest

Return following a cancellation request.

FR01

Fraud

Returned as a result of fraud.

FRTR

G004

CreditPendingFunds

In a FIToFI Customer Credit Transfer: Credit to the creditor’s account is pending, status Originator is waiting for funds provided via a cover. Update will follow from the Status Originator.

G005

DeliveredWithServiceLevel

Payment has been delivered to creditor agent with service level.

MD01

NoMandate

No Mandate

MD02

MissingMandatoryInformationInMandate

Mandate related information data required by the scheme is missing.

MD05

CollectionNotDue

Creditor or creditor's agent should not have collected the direct debit

MD06

RefundRequestByEndCustomer

Return of funds requested by end customer

MD07

EndCustomerDeceased

End customer is deceased.

MS02

NotSpecifiedReasonCustomerGenerated

Reason has not been specified by end customer

MS03

NotSpecifiedReasonAgentGenerated

Reason has not been specified by agent.

NARR

Narrative

Reason is provided as narrative information in the additional reason information.

NOAS

NoAnswerFromCustomer

No response from Beneficiary.

NOCM

NotCompliantGeneric

Customer account is not compliant with regulatory requirements, for example FICA (in South Africa) or any other regulatory requirements which render an account inactive for certain processing.

NOOR

PINL

RC01

BankIdentifierIncorrect

Bank identifier code specified in the message has an incorrect format (formerly IncorrectFormatForRoutingCode).

RC03

InvalidDebtorBankIdentifier

Debtor bank identifier is invalid or missing

RC04

InvalidCreditorBankIdentifier

Creditor bank identifier is invalid or missing

RC07

InvalidCreditorBICIdentifier

Creditor BIC identifier is invalid or missing

RC08

InvalidClearingSystemMemberIdentifier

ClearingSystemMemberidentifier is invalid or missing.
Generic usage if cannot specify between debit or credit account

RC11

InvalidIntermediaryAgent

Intermediary Agent is invalid or missing

RF01

NotUniqueTransactionReference

Transaction reference is not unique within the message.

RR01

MissingDebtorAccountOrIdentification

Specification of the debtor’s account or unique identification needed for reasons of regulatory requirements is insufficient or missing

RR02

MissingDebtorNameOrAddress

Specification of the debtor’s name and/or address needed for regulatory requirements is insufficient or missing.

RR03

MissingCreditorNameOrAddress

Specification of the creditor’s name and/or address needed for regulatory requirements is insufficient or missing.

RR04

RegulatoryReason

Regulatory Reason

RR05

RegulatoryInformationInvalid

Regulatory or Central Bank Reporting information missing, incomplete or invalid.

RR06

TaxInformationInvalid

Tax information missing, incomplete or invalid.

RR07

RemittanceInformationInvalid

Remittance information structure does not comply with rules for payment type.

RR08

RemittanceInformationTruncated

Remittance information truncated to comply with rules for payment type.

RR09

InvalidStructuredCreditorReference

Structured creditor reference invalid or missing.

RR11

InvalidDebtorAgentServiceID

Invalid or missing identification of a bank proprietary service.

RR12

InvalidPartyID

Invalid or missing identification required within a particular country or payment type.

RUTA

ReturnUponUnableToApply

Return following investigation request and no remediation possible.

SL01

SpecificServiceOfferedByDebtorAgent

Due to specific service offered by the Debtor Agent.

SL02

SpecificServiceOfferedByCreditorAgent

Due to specific service offered by the Creditor Agent.

SL11

CreditorNotOnWhitelistOfDebtor

Whitelisting service offered by the Debtor Agent; Debtor has not included the Creditor on its “Whitelist” (yet). In the Whitelist the Debtor may list all allowed Creditors to debit Debtor bank account.

SL12

CreditorOnBlacklistOfDebtor

Blacklisting service offered by the Debtor Agent; Debtor included the Creditor on his “Blacklist”. In the Blacklist the Debtor may list all Creditors not allowed to debit Debtor bank account.

SL13

MaximumNumberOfDirectDebitTransactionsExceeded

Due to Maximum allowed Direct Debit Transactions per period service offered by the Debtor Agent.

SL14

MaximumDirectDebitTransactionAmountExceeded

Due to Maximum allowed Direct Debit Transaction amount service offered by the Debtor Agent.

SP01

SP02

SVNR

TM01

InvalidCutOffTime

Associated message, payment information block, or transaction was received after agreed processing cut-off time.

TRAC

UPAY

AC02

InvalidDebtorAccountNumber

Debtor account number invalid or missing.

AC03

InvalidCreditorAccountNumber

Wrong account number in Credit Transfer.

AGNT

IncorrectAgent

Agent in the payment workflow is incorrect.

AM09

WrongAmount

Amount is not the amount agreed or expected.

BE16

InvalidDebtorIdentificationCode

Debtor or Ultimate Debtor identification code missing or invalid.

BIAS

BatchInstructionAlreadySettled

Process a cancellation request but batch already settled.

COVR

CoverCancelledOrReturned

Cover payments has either been returned or cancelled.

CURR

IncorrectCurrency

Currency of the payment is incorrect.

CUST

RequestedByCustomer

Cancellation requested by the Debtor.

CUTA

CancelUponUnableToApply

Cancellation requested because an investigation request has been received and no remediation is possible.

DRTP

DuplicationRequestToPay

Duplication of a request-to-pay message.

DS24

TimeOut

Cancellation requested because the original payment order expired due to time-out.

DT01

InvalidDate

Invalid date (for example, wrong or missing settlement date).

DUPL

DuplicatePayment

Payment is a duplicate of another payment.

ENUE

EndUserError

Cancellation or request for return requested by the Debtor specifically due to one or more errors by debtor in the original Credit Transfer. Usage: This code can be used for any error in the original Credit Transfer made by the Debtor. Can also be used if multiple errors were made in the original Credit Transfer.

FRAD

FraudulentOrigin

Cancellation requested following a transaction that was originated fraudulently. The use of the FraudulentOrigin code should be governed by jurisdictions.

FRNA

ForwardToNextAgent

To complement a rejection response, suggesting the request for cancelation should be forwarded to the next agent in the payment transaction chain.

FRTR

FinalResponse

Direct Debit Tracking recalled as Mandate Cancelled

INCR

InvalidCancellationRequest

Process a cancellation request with incorrect reference to original batch.

INDM

IndemnityRequired

To express the wish to establish a bilateral indemnity agreement.

MD06

RefundRequestByEndCustomer

Return of funds requested by end customer.

MODT

ModifiedTransaction

The underlying transaction in relation to an RTP was modified.

NARR

Narrative

Reason is provided as narrative information in the additional reason information.

PAID

TransactionAlreadyPaid

The underlying transaction in relation to an RTP was already paid (via other means).

SVNR

ServiceNotRendered

The payment is cancelled since a cash amount rendered was not correct or goods or a service was not rendered to the customer, e.g. in an e-commerce situation.

SYAD

RequestToSettlementSystemAdministrator

Cancellation requested by System Member to Settlement System Administrator to indicate that the cancellation request must not be forwarded further in the chain.

TECH

TechnicalProblem

Cancellation requested following technical problems resulting in an erroneous transaction.

UAPA

UnauthorizedPayment

The Debtor is requesting a return of the payment because the payment was not properly authorized.

Usage: This code can be used in the case where a Credit Transfer was made without proper authorization from the Debtor. This could be due to compromised end user credentials.

UPAY

UnduePayment

Payment is not justified.

WNTB

WarrantyBreach

Breach of warranty provided in connection with a request for payment.

AC04

ClosedAccountNumber

Account number specified has been closed on the receiver’s books.

ACLR

AlreadyCancelledRTP

Request-to-pay has already been cancelled.

ADAC

AwaitingDebitAuthorityFromCustomer

Reported when the cancellation request cannot be processed because customer has not yet provided the debit authority on its account.

AEXR

AlreadyExpiredRTP

Request-to-pay Expiry Date and Time has already passed.

AGNT

AgentDecision

Reported when the cancellation cannot be accepted because of an agent refuses to cancel.

AM04

InsufficientFunds

Amount of funds available to cover specified message amount is insufficient.

ARDT

AlreadyReturned

Cancellation not accepted as the transaction has already been returned.

ARFR

AlreadyRefusedRTP

Request-to-pay has already been refused by the Debtor.

ARJR

AlreadyRejectedRTP

Request-to-pay has already been rejected.

ARPL

AwaitinReply

Reported when the cancellation request cannot be processed because no reply has been received yet from the receiver of the request message.

CUST

CustomerDecision

Reported when the cancellation cannot be accepted because of a customer decision (Creditor).

IDMN

CancellationIndemnityRequired

Complementing a Pending or Reject Status. Payment cancellation request cannot be accepted until an indemnity agreement is established.

LEGL

LegalDecision

Reported when the cancellation cannot be accepted because of regulatory rules.

NARR

Narrative

Reason is provided as narrative information in the additional reason information.

NOAS

NoAnswerFromCustomer

No response from beneficiary (to the cancellation request).

NOOR

NoOriginalTransactionReceived

Original transaction (subject to cancellation) never received.

PATE

PaymentAlreadyTransmittedExecution

Payment related to the request-to-pay has already been transmitted for execution.

PTNA

PassedToTheNextAgent

Reported when the cancellation request cannot be accepted because the payment instruction has been passed to the next agent.

RCAR

RfCAlreadyRejected

Request for cancellation of the request-to-pay has already been rejected.

RCNR

RfCNeverReceived

Request for cancellation of the request-to-pay has never been received.

RCPR

RfCReceivedAndProcessed

Request for cancellation of the request-to-pay has already been received and processed.

RQDA

RequestingDebitAuthority

Reported when authority is required by the Creditor to return the payment.

RR04

RegulatoryReason

Regulatory Reason.

URTP

UnknownRTP

Request-to-pay is unknown.

WSEQ

WrongSequence

Reported when the cancellation request cannot be processed because the sequence referred to in the request is not valid.