No mandate
Category: Mandate R-type: Reject / Return
SCT
N/A
SCT Inst
N/A
SDD Core
Applies
SDD B2B
Applies
Retryable
No — re-mandate required
Generated by
Debtor bank.
ISO 20022 definition
No Mandate.
Typical cause
No valid mandate on file, the mandate was cancelled, the SequenceType (FRST/RCUR/FNAL) does not match, or — for SDD B2B — the mandate was never pre-registered at the debtor bank before the first collection.
What to do about it
Verify mandate status against the debtor bank; re-obtain the mandate if cancelled. For B2B, confirm the mandate was pre-registered before retrying. Reconcile MD01 returns to the specific mandate reference and sequence type: a pattern at FRST usually means the B2B pre-registration step was skipped; a pattern at RCUR usually means the customer cancelled at their bank.
The highest-signal mandate failure code — the debtor bank explicitly checked and could not match a valid registered mandate. Particularly definitive for SDD B2B, where mandates are pre-registered at the debtor bank.
Full reference
SEPA Return and Reject Codes: The R-Transaction Reference