Skip to content
SEPA AM05

Duplicate payment / collection

Category: Amount & Funds R-type: Reject / Return

SCT

Applies

SCT Inst

Applies

SDD Core

Applies

SDD B2B

Applies

Retryable

No — resolve the duplicate first

Generated by

Debtor bank or clearing infrastructure, detecting a repeated message.

ISO 20022 definition

Duplication.

Typical cause

The same debit or credit transfer was submitted more than once — usually a file-resubmission or integration retry bug on the originator side.

What to do about it

Identify and void the duplicate submission in your own system before resubmitting anything; confirm which of the two transactions is the legitimate one.

Rulebook note

Same meaning across all four rulebooks. Distinct from the DUPL Recall reason code, which is the bank-initiated recovery procedure for a duplicate SCT/SCT Inst payment that has already settled.

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

Related codes

AM02

Amount exceeds agreed limit

AM04

Insufficient funds

AM09

Wrong amount