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ExternalStatusReason1Code

RUTA Reason Code: Return Upon Unable To Apply

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RUTA means return upon unable to apply in the ISO 20022 status reason code set. The funds are returned after an investigation found they cannot be applied and nothing can be fixed.

Code
RUTA
ISO name
ReturnUponUnableToApply
Status
Registered
Last updated
2021-08-31

Official definition

Return following investigation request and no remediation possible.

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

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 funds are returned after an investigation found they cannot be applied and nothing can be fixed.

What to do

  • Reconcile the return and arrange a new payment with correct data if one is still due.

Messages and fields that use ExternalStatusReason1Code

MessageElement path
pacs.002TxInfAndSts/StsRsnInf/Rsn/Cd, OrgnlGrpInfAndSts/StsRsnInf/Rsn/Cd
pain.002OrgnlGrpInfAndSts/StsRsnInf/Rsn/Cd, OrgnlPmtInfAndSts/StsRsnInf/Rsn/Cd, OrgnlPmtInfAndSts/TxInfAndSts/StsRsnInf/Rsn/Cd
auth.027GrpSts/StsRsn/Rsn/Cd, PackgSts/StsRsn/Rsn/Cd, PackgSts/RcrdSts/StsRsn/Rsn/Cd
camt.025RctDtls/ReqHdlg/StsRsn/Rsn/Cd
camt.111InvstgtnRspn/InvstgtnData/RspnData/TxSts/StsRsnInf/Rsn/Cd
pain.014OrgnlGrpInfAndSts/StsRsnInf/Rsn/Cd, OrgnlPmtInfAndSts/StsRsnInf/Rsn/Cd, OrgnlPmtInfAndSts/TxInfAndSts/StsRsnInf/Rsn/Cd
reda.016PtySts/StsRsn/Rsn/Cd
reda.020SctiesAcctSts/StsRsn/Rsn/Cd
reda.047SctyCSDLkSts/StsRsn/Rsn/Cd
reda.051AcctLkSts/StsRsn/Rsn/Cd

And 8 more messages: see the ExternalStatusReason1Code page.

RUTA in other code sets

RUTA questions

What does RUTA mean in ISO 20022?
RUTA is Return Upon Unable To Apply in the ExternalStatusReason1Code code set: Return following investigation request and no remediation possible.
What should I do when I get RUTA?
Reconcile the return and arrange a new payment with correct data if one is still due.
Where does RUTA 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.