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ExternalReturnReason1Code

BE06 Reason Code: Unknown End Customer

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BE06 means unknown end customer in the ISO 20022 return reason code set. The receiving bank does not know the end customer, or the customer no longer exists in its books.

Code
BE06
ISO name
UnknownEndCustomer
Status
Registered
Last updated
2009-04-01

Official definition

End customer specified is not known at associated Sort/National Bank Code or does no longer exist in the books

Definition from the ISO 20022 External Code Sets, 2Q2026 (published 28 Aug 2026).

What it means in practice

In a pacs.004 payment return, a return reason code explains why funds that were already settled are being sent back. It sits in TxInf/RtrRsnInf/Rsn/Cd, and bank statements (camt.053, camt.054) repeat it in RtrInf/Rsn/Cd.

The receiving bank does not know the end customer, or the customer no longer exists in its books.

What to do

  • Confirm the beneficiary details and the bank with the beneficiary before you pay again.

Messages and fields that use ExternalReturnReason1Code

MessageElement path
pacs.004TxInf/RtrRsnInf/Rsn/Cd, OrgnlGrpInf/RtrRsnInf/Rsn/Cd
camt.053Stmt/Ntry/NtryDtls/TxDtls/RtrInf/Rsn/Cd
camt.054Ntfctn/Ntry/NtryDtls/TxDtls/RtrInf/Rsn/Cd
camt.052Rpt/Ntry/NtryDtls/TxDtls/RtrInf/Rsn/Cd
trck.001TrckrStsAndTx/Tx/RjctRtrRsn/Rsn/Cd, TrckrStsAndTx/TxSts/RjctRtrRsn/Rsn/Cd
trck.002TrckrStsAndTx/Tx/RjctRtrRsn/Rsn/Cd, TrckrStsAndTx/TxSts/RjctRtrRsn/Rsn/Cd
trck.004TrckrStsAndTx/Tx/RjctRtrRsn/Rsn/Cd, TrckrStsAndTx/TxSts/RjctRtrRsn/Rsn/Cd

BE06 in other code sets

BE06 questions

What does BE06 mean in ISO 20022?
BE06 is Unknown End Customer in the ExternalReturnReason1Code code set: End customer specified is not known at associated Sort/National Bank Code or does no longer exist in the books
What should I do when I get BE06?
Confirm the beneficiary details and the bank with the beneficiary before you pay again.
Where does BE06 appear in a message?
For example in pacs.004, element TxInf/RtrRsnInf/Rsn/Cd.

All ExternalReturnReason1Code codes · ISO 20022 code sets

The ISO 20022 code names and definitions on this page are reproduced from material published at iso20022.org under the ISO 20022 Intellectual Property Rights policy. This is not the official source: the up-to-date ISO 20022 standards and repository material are published only at iso20022.org. Explanations in our own words are by ZagTrader. ZagTrader is not affiliated with or endorsed by ISO or Swift.