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ExternalReturnReason1Code

BE07 Reason Code: Missing Debtor Address

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BE07 means missing debtor address in the ISO 20022 return reason code set. The debtor's address is missing or not usable where the payment needs it.

Code
BE07
ISO name
MissingDebtorAddress
Status
Registered
Last updated
2009-04-01

Official definition

Specification of debtor's address, which is required for payment, is missing/not correct.

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 debtor's address is missing or not usable where the payment needs it. Cross-border payment rules in many regions require the ordering customer's address.

What to do

  • Add the debtor's address with at least town and country in Dbtr/PstlAdr, then send a new payment.

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

BE07 in other code sets

BE07 questions

What does BE07 mean in ISO 20022?
BE07 is Missing Debtor Address in the ExternalReturnReason1Code code set: Specification of debtor's address, which is required for payment, is missing/not correct.
What should I do when I get BE07?
Add the debtor's address with at least town and country in Dbtr/PstlAdr, then send a new payment.
Where does BE07 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.