SEPA
FF05
Local instrument code invalid
Category: Agent & Format R-type: Reject
SCT
N/A
SCT Inst
N/A
SDD Core
Applies
SDD B2B
Applies
Retryable
Yes, after correction
Generated by
Debtor bank.
ISO 20022 definition
Local Instrument code is missing or invalid.
Typical cause
The LocalInstrument field (CORE or B2B) does not match the account's registered capabilities — for example, sending a B2B-flagged collection against an account only enrolled for SDD Core.
What to do about it
Confirm which SDD scheme (Core vs B2B) the debtor account actually supports before resubmitting with the correct LocalInstrument code.
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