SEPA
AG01
Transaction forbidden
Category: Agent & Format R-type: Reject / Return
SCT
N/A
SCT Inst
N/A
SDD Core
Applies
SDD B2B
Applies
Retryable
No
Generated by
Debtor bank.
ISO 20022 definition
Transaction forbidden on this type of account (formerly NoAgreement).
Typical cause
The account does not accept direct debits at all — a regulatory restriction or an account type that excludes SDD.
What to do about it
Contact the debtor bank if this recurs on an account that should be eligible; otherwise ask the customer for an alternative payment method.
Confidence: high.
Sourced from PaymentBrief's SEPA R-transaction reference article, cross-verified against ISO 20022 external code sets and EPC guidance documents. Reason-code applicability and timing windows vary by rulebook version and bank handling — verify against your bank or PSP before acting.
Full reference
SEPA Return and Reject Codes: The R-Transaction Reference