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SEPA RR02

Missing debtor name or address

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 name and/or address needed for regulatory requirements is insufficient or missing.

Typical cause

Required debtor name or address is absent or invalid under the applicable scheme rules. The EPC removed the superseded 15 November 2026 unstructured-address end date from its September 2026 guidance; check current implementation requirements rather than assuming that date applies.

What to do about it

Ask the PSP which debtor name or address field failed and check the applicable scheme implementation rules. Correct the data before resubmission; do not rely on the superseded 15 November 2026 address deadline.

Rulebook note

Shared across SCT, SCT Inst, and SDD. The November 2024 EPC guidance update added structured-address requirements to this 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

Related codes

RR01

Missing debtor account or identification

RR03

Missing creditor name or address

RR04

Regulatory reason