SEPA
CNOR
Creditor bank not registered
Category: Account R-type: Return
SCT
Applies
SCT Inst
Applies
SDD Core
N/A
SDD B2B
N/A
Retryable
Yes, after correction
Generated by
Clearing and settlement mechanism (CSM).
ISO 20022 definition
Creditor bank is not registered under this BIC in the CSM (clearing and settlement mechanism).
Typical cause
The beneficiary bank BIC/routing data does not match a registered participant in the clearing system used for the transfer.
What to do about it
Verify the creditor bank routing data against current CSM participant lists before resubmitting; this is usually a data-quality issue, not a customer-side error.
Rulebook note
SCT/SCT-Inst-specific infrastructure code — not part of the SDD reason-code set.
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