What does RC04 mean in ISO 20022?

RC04 is Invalid Creditor Bank Identifier in the ExternalVerificationReason1Code code set: Creditor bank identifier is invalid or missing.

Where does RC04 appear in a message?

For example in acmt.024, element Rpt/Rsn/Cd.

ExternalVerificationReason1Code

RC04 Reason Code: Invalid Creditor Bank Identifier

Written and maintained by ZagTrader. Last reviewed 21 October 2026. How this page is sourced and checked

RC04 means invalid creditor bank identifier in the ISO 20022 verification reason code set. Creditor bank identifier is invalid or missing.

Code: RC04
ISO name: InvalidCreditorBankIdentifier
Status: Registered
Last updated: 2023-11-30

Official definition

Creditor bank identifier is invalid or missing.

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

Messages and fields that use ExternalVerificationReason1Code

Message	Element path
acmt.024	Rpt/Rsn/Cd

RC04 in other code sets

RC04 questions

What does RC04 mean in ISO 20022?: RC04 is Invalid Creditor Bank Identifier in the ExternalVerificationReason1Code code set: Creditor bank identifier is invalid or missing.
Where does RC04 appear in a message?: For example in acmt.024, element Rpt/Rsn/Cd.

All ExternalVerificationReason1Code 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.