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How to handle Autogiro reports from Bankgirot

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Last editedMay 20221 min read

Receiving messages from Bankgirot

Each working day at 6am, Bankgirot will make new reports containing any messages available to you. You must have a server set up in order to receive them. If you're using GoCardless we'll automatically handle the reports for you.

Each report is for a separate type of notification and will contain a line for each event of that type. The different reports and associated reason codes are described below.

Mandate notifications

Notifications about your mandates are received as Mandate Advice files. These notifications relate to new, amended or cancelled mandates. For instance, if there have been any problems with the setup or cancellation you'll receive a mandate advice message. There are also messages that confirm the successful set up of new mandates.

Within each message there are "information codes" and "comment codes". You need to use both together to understand the status of the mandate.

Information codes:

Code	Bankgirot meaning	Possible comment codes
03	Cancellation, initiated by the payee	04, 09, 21, 29, 30, 33
04	New addition, initiated by the payee	09, 10, 20, 21, 23, 29, 30, 32
05	Change payer number, initiated by the payee	04, 10, 21, 29, 30, 32, 33
10	Cancelled due to payee's Bankgiro number being closed, initiated by payee or payee's bank	-
42	Response to account inquiry from bank on new payer in Autogiro	03, 05, 32
43	Cancelled/removed due to unanswered account inquiry	07
44	Cancelled due to payer's Bankgiro number being closed, initiated by payer's bank	98
46	Cancellation, initiated by payer or payer's bank	02

Comment codes:

Comment codes are used with information codes to specify the reason for the mandate information action.

Code	Bankgirot meaning
02	Mandate cancelled on initiative of payer or payer's bank.
03	Account type not approved for Autogiro.
04	Mandate not found in Bankgirot's mandate directory.
05	Incorrect bank account or personal details.
07	Cancelled/removed due to unanswered account inquiry.
09	Payer Bankgiro number not found at Bankgirot.
10	Mandate already registered in Bankgirot's directory or inquiry pending.
20	Incorrect civic/company number or agreement on mandate based on Bankgiro number not found.
21	Incorrect payer number.
23	Incorrect bank account number.
29	Incorrect payee Bankgiro number.
30	Deregistered payee Bankgiro number.
32	New mandate.
33	Cancelled.
98	Mandate cancelled due to cancelled payer Bankgiro number.

Payment specifications and payments rejected in balance check inquiry

This report details information on incoming payments, outgoing payments and payments that are stopped after the balance check enquiry. You can view an example payment specification and rejected payments message here.

Rejected payments

This report details payments that fail for reasons other than failing the balance check inquiry. This is usually due to a mistake in the submission.

Code	Bankgirot meaning
01	Omitted, mandate not found.
02	Omitted, account not approved or closed.
06	Incorrect period code.
07	Incorrect number for recurring payments.
08	Amount non-numeric.
09	Ban on outgoing payments.
10	Bankgiro number not found at Bankgirot.
12	Incorrect payment date.
13	Payment date passed.
15	The payee Bankgiro numbers in the opening record and the transaction record are not the same.
24	Amount exceeds Max. amount.

Cancellations/amendment of payments

The cancellation and amendment of payments report details which payments have been cancelled or amended and provides details as to why.

Cancellation codes:

TK	Bankgirot meaning	Possible comment codes
03	Cancelled due to cancelled mandate.	12
11	Cancelled by payer/payer's bank.	12
21	Cancelled, payee's agreement terminated.	12
23	Cancel all payments for a payer number.	02, 10, 11, 12, 13
24	Cancel all payments for a payer number on a specified payment date. Note: For recurring payments, all payments included in the recurring payment order are cancelled.	01, 02, 10, 11, 12, 13
25	Cancel one payment for a payer number on a specified payment date, for a specified amount and with a specified reference (optional). Note: For recurring payments all payments included in the recurring payment order are cancelled.	01, 02, 04, 05, 10, 11, 12, 13

Amendment codes:

TK	Bankgirot meaning	Possible comment codes
26	Amend all payments to new payment date.	06, 10, 11, 13, 14, 15
27	Amend all payments on specified payment date to new payment date.	01, 06, 10, 11, 13, 14, 15
28	Amend all payments with specified payer number on specified payment date to new payment date.	01, 02, 06, 10, 11, 13, 15, 18
29	Amend a payment on specified payment date to new payment date.	01, 02, 04, 05, 06, 10, 11, 13, 15, 18

Comment codes:

Comment codes are used with cancellation and amendment records to specify the reason either for the amendment made or for the amendment not being processed.

TK	Bankgirot meaning	Possible comment codes
01	Incorrect payment date	24, 25, 27, 28, 29
02	Incorrect payer number	23, 24, 25, 28, 29
04	Incorrect debit code	25, 29
05	Incorrect amount	25, 29
06	Incorrect new payment date	26, 27, 28, 29
10	Incorrect payee Bankgiro number (incorrect check digit)	23, 24, 25, 26, 27, 28, 29
11	Payee Bankgiro number missing (zero or blank)	23, 24, 25, 26, 27, 28, 29
12	Cancelled	03, 11, 21, 23, 24, 25
13	Payment missing, not processed	23, 24, 25, 26, 27, 28, 29
14	Amended payment date	26, 27
15	Not amended, recurring payment order	28, 29
18	Amended payment date	28, 29

Receiving messages with GoCardless

GoCardless can receive and interpret all messages from Bankgirot on your behalf. Where necessary, we will notify you immediately and work with you and your customers to resolve any issues.

To find out more about collecting Autogiro with GoCardless visit GoCardless.com.