SEPA
AG11
Creditor agent suspended
Category: SCT Inst Infrastructure R-type: Return
SCT
N/A
SCT Inst
Applies
SDD Core
N/A
SDD B2B
N/A
Retryable
Yes
Generated by
SCT Inst scheme infrastructure.
ISO 20022 definition
Creditor Agent of message is suspended from the Real Time Payment system.
Typical cause
Specifically the beneficiary's bank has been suspended from the SCT Inst network.
What to do about it
Retry after a brief interval, or route via standard SCT if the suspension persists.
Rulebook note
SCT-Inst-specific — the creditor-side counterpart to the more generic AG10.
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