CNOR Reason Code: Creditor Bank Is Not Registered
Written and maintained by ZagTrader. Last reviewed . How this page is sourced and checked
CNOR means creditor bank is not registered in the ISO 20022 status reason code set. The creditor's bank is not reachable under this BIC in the clearing system that was used.
- Code
- CNOR
- ISO name
- CreditorBankIsNotRegistered
- Status
- Registered
- Last updated
- 2012-07-16
Official definition
Creditor bank is not registered under this BIC in the CSM
What it means in practice
In a pacs.002 or pain.002 status report, a status reason code explains why a payment instruction was rejected (RJCT) or why it has another status. It sits in TxInfAndSts/StsRsnInf/Rsn/Cd.
The creditor's bank is not reachable under this BIC in the clearing system that was used. The BIC may be correct, but the bank is not a participant of that scheme.
What to do
- Check the clearing system directory for a reachable route to the beneficiary bank, or send the payment through a correspondent.
Messages and fields that use ExternalStatusReason1Code
| Message | Element path |
|---|---|
| pacs.002 | TxInfAndSts/StsRsnInf/Rsn/Cd, OrgnlGrpInfAndSts/StsRsnInf/Rsn/Cd |
| pain.002 | OrgnlGrpInfAndSts/StsRsnInf/Rsn/Cd, OrgnlPmtInfAndSts/StsRsnInf/Rsn/Cd, OrgnlPmtInfAndSts/TxInfAndSts/StsRsnInf/Rsn/Cd |
| auth.027 | GrpSts/StsRsn/Rsn/Cd, PackgSts/StsRsn/Rsn/Cd, PackgSts/RcrdSts/StsRsn/Rsn/Cd |
| camt.025 | RctDtls/ReqHdlg/StsRsn/Rsn/Cd |
| camt.111 | InvstgtnRspn/InvstgtnData/RspnData/TxSts/StsRsnInf/Rsn/Cd |
| pain.014 | OrgnlGrpInfAndSts/StsRsnInf/Rsn/Cd, OrgnlPmtInfAndSts/StsRsnInf/Rsn/Cd, OrgnlPmtInfAndSts/TxInfAndSts/StsRsnInf/Rsn/Cd |
| reda.016 | PtySts/StsRsn/Rsn/Cd |
| reda.020 | SctiesAcctSts/StsRsn/Rsn/Cd |
| reda.047 | SctyCSDLkSts/StsRsn/Rsn/Cd |
| reda.051 | AcctLkSts/StsRsn/Rsn/Cd |
And 8 more messages: see the ExternalStatusReason1Code page.
CNOR in other code sets
CNOR questions
- What does CNOR mean in ISO 20022?
- CNOR is Creditor Bank Is Not Registered in the ExternalStatusReason1Code code set: Creditor bank is not registered under this BIC in the CSM
- What should I do when I get CNOR?
- Check the clearing system directory for a reachable route to the beneficiary bank, or send the payment through a correspondent.
- Where does CNOR appear in a message?
- For example in pacs.002, element TxInfAndSts/StsRsnInf/Rsn/Cd.
All ExternalStatusReason1Code codes · ISO 20022 code sets · pacs.002 reject reasons explained
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.