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SEPA NOOR

Original SCT never received

Category: Response R-type: Recall / RFRO

SCT

Applies

SCT Inst

Applies

SDD Core

N/A

SDD B2B

N/A

Retryable

N/A — negative response requiring investigation

Generated by

Beneficiary bank — a negative response (camt.029) to a Recall or RFRO.

ISO 20022 definition

Original SCT never received.

Typical cause

The funds referenced in the recall/RFRO never actually arrived at the beneficiary bank.

What to do about it

Trace the original payment through the clearing infrastructure — this response means the beneficiary bank genuinely has no record of it, which points to a routing or infrastructure issue rather than a beneficiary-side refusal.

Rulebook note

One of four negative-response codes (with ARDT, LEGL, AC04) a beneficiary bank can send instead of complying with a Recall or RFRO.

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

FOCR

Return following cancellation request

ARDT

Already returned

LEGL

Legal decision prevents return