SEPA
ARDT
Already returned
Category: Response R-type: Recall / RFRO
SCT
Applies
SCT Inst
Applies
SDD Core
N/A
SDD B2B
N/A
Retryable
N/A — negative response confirming prior reversal
Generated by
Beneficiary bank — a negative response (camt.029) to a Recall or RFRO.
ISO 20022 definition
Already returned original SCT.
Typical cause
The funds referenced in the recall/RFRO were already reversed through a separate process before the recall request arrived.
What to do about it
Reconcile against your own records to confirm the earlier return and close the recall case — no further action needed against the beneficiary bank.
Rulebook note
One of four negative-response codes (with NOOR, LEGL, AC04).
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