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SEPA RR01

Missing debtor account or identification

Category: Regulatory R-type: Reject / Return

SCT

Applies

SCT Inst

Applies

SDD Core

Applies

SDD B2B

Applies

Retryable

No — compliance review required

Generated by

Debtor bank or the compliance function in the payment chain.

ISO 20022 definition

Specification of the debtor's account or unique identification needed for regulatory requirements is insufficient or missing.

Typical cause

A regulatory requirement for debtor account identification was not met in the payment message.

What to do about it

Do not retry without compliance review; escalate internally to confirm the required debtor identification data before resubmission.

Rulebook note

Shared across SCT, SCT Inst, and SDD with the same meaning — one of four regulatory codes (RR01–RR04) common to all four rulebooks.

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

RR02

Missing debtor name or address

RR03

Missing creditor name or address

RR04

Regulatory reason