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SEPA RR03

Missing creditor 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, beneficiary bank, or the compliance function in the payment chain.

ISO 20022 definition

Specification of the creditor's name and/or address needed for regulatory requirements is insufficient or missing.

Typical cause

Required creditor name or address is absent or invalid under the applicable scheme rules; the code alone does not establish that an unstructured address is now prohibited.

What to do about it

Do not retry without compliance review; confirm creditor name/address fields meet the structured/hybrid format requirement.

Rulebook note

Shared code name across SCT, SCT Inst and SDD, subject to each scheme's allowed R-transaction types and current address requirements.

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

RR02

Missing debtor name or address

RR04

Regulatory reason