Warning conditions

BWG_W_TRANSPOSED

Code 1
Message Account details were not in standard form and have been transposed.
The conversion is performed according to rules for the issuing institution, for example converting all letters to upper case, removing separators, or by padding, typically with zeroes, to a fixed width.
This is the standard message that Bank Wizard returns when any of the account details (including the bank and branch details) have been transposed to the format needed to transmit to the ACH (Automated Clearing House).
For the Netherlands, this warning is also returned when the bank code returned from the lookup is different from the entered bank code, or a bank code was not supplied.
In some countries, such as the UK, the synonym BWI_CC_TRANSPOSED is used.
Action You should save both the details entered by the user and those returned by Bank Wizard against the customer record. You can retrieve the transposed details from the core by calling BWIGetString.
Use the transposed value in all submissions to automated banking services and use the original when contacting the customer.

BWI_W_30DAY + country

Code 1 + country number

Message

 The Licence Key for country n will expire within 30 days.
To determine if this condition is present, test for a condition code within a range as shown:

BWIGetValue(h,BWI_V_NEXT,value)

if(value BWI_W_30DAY value BWI_W_30DAY + BWI_C_MAX) {

country_id = value - BWI_W_30DAY

...process 30 day warning for 'country_id'

}
Action If you have recently renewed your licence for this country, check that you have installed the new key. Otherwise, contact your Experian account manager to arrange a new Licence Key.

BWG_W_UNAVAILABLE_MODULUS

Code 2
Message Modulus check algorithm is unavailable for these account details.
This may be because Experian are awaiting the algorithm or because the bank does not have these checks or does not make them available.
If you have the no modulus check licence, modulus checks are not performed and you will never get this warning. In some countries, such as the UK, the synonym BWI_CC_UNAVAILABLE_MODULUS is used.
Action Bank Wizard cannot confirm the validity of this account number, only the format can be checked. Manually reconfirm the account details before continuing. Typically, you should not treat this condition as an error.

BWG_W_NO_MODULUS

Code 3
Message Account number does not use a modulus check algorithm.
This warning occurs if Bank Wizard has identified that modulus checking is not performed on this account.
You cannot get this warning if you are performing a branch check.
Action Bank Wizard cannot confirm the validity of this account number. Manually reconfirm the account details before continuing. Typically, you should not treat this as an error.

BWG_W_BRANCH_CLOSING

Code 4
Message Branch is due to close - there is a close date set for this branch after the current system date.
Bank is closed or due to close - this is returned for countries where the account details could still be valid even if the branch is closed.
You cannot get this condition if you have the modulus check licence because branch closure is not checked for.
In the United Kingdom and the Republic of Ireland, the message is "Sort code is due to close" and the synonym BWI_CC_SORT_CLOSING is used.
Action You must decide whether to accept the details. For closing branches, if this is a one-off payment or Direct Debit collection before the closure date on an existing account it is unlikely to be rejected. However, reject any details that are creating a regular Direct Debit.
For countries that accept details for closed banks or branches (message: Bank is closed or due to close), accept the details if there are no other messages that prevent you accepting the details.

BWG_W_ACCOUNT_NO_DD

Code 5
Message Account does not support Direct Debit transactions. In the United Kingdom the synonym BWI_UK_ACC_NO_DD is used.
Action If the details are to create a Direct Debit instruction, reject the details. For other transactions, such as credits, ignore this warning.

BWG_W_BRANCH_NO_DD

Code 6
Message Bank branch does not support Direct Debit transactions.
For example, this is a Head Office collections account.
In the United Kingdom the message is "Sort code does not support Direct Debit transactions" and the synonym BWI_UK_SORT_NO_DD is used.
Action If the details are to create a Direct Debit instruction, reject the details. For other transactions, such as credits, ignore this warning.

BWG_W_ACCOUNT_NO_DC

Code 7
Message Account does not support Direct Credit transactions. In the United Kingdom the synonym BWI_UK_ACC_NO_DC is used.
Action If the details are to create a Direct Credit instruction, reject the details. For other transactions, such as debits, ignore this warning.

BWG_W_BRANCH_NO_DC

Code 8
Message Bank branch does not support Direct Credit transactions. For example, this account is allocated for Direct Debit only.
In the United Kingdom the message is "Sort code does not support Direct Credit transactions" and the synonym BWI_UK_SORT_NO_DC is used.
Action For debits this should not cause a problem. However, for credits either contact the branch or reject the details.

BWG_W_BRANCH_TRANSFERRING

Code 11
Message Branch is due to be transferred or Bank has been redirected and new bank details returned.
The branch is due to close and all accounts are transferring to another branch at a date after the current system date.
You cannot get this warning if you have the modulus check licence because branch closure is not checked for.
In the United Kingdom and the Republic of Ireland, the message is "Sort code is due to be transferred" and the synonym BWI_CC_SORT_TRANSFERRING is used.
For the countries that return the message "Bank has been redirected and new bank details returned", the bank or branch is closed and the details for the redirected branch have been returned.
Action If this is a one-off payment or Direct Debit collection on an existing account it is unlikely to be rejected. However, you should either reject the details or use the redirected details to prevent problems in the future.

BWG_W_UNAVAILABLE_BIC_INFO

Code 12
Message BIC information not available.
This warning is returned when Bank Wizard does not have any specific BIC information for the branch and cannot determine whether the BIC is valid.

BWG_W_IBAN_NOT_FORM_AMBIGUOUS

Code 13
Message IBAN cannot be reliably formed.
This warning is returned when Bank Wizard cannot form a reliable IBAN because some of the information needed is ambiguous.
For Portugal, the IBAN is returned, however there is no guarantee that this is a valid IBAN.

BWG_W_TEST_ONLY

Code 1Action
Message BIC is for test or training only.
14 If the details entered are not for a test or training record, reject the details.

BWG_W_NOT_SWIFT_BIC

Code 15
Message BIC is not connected to the SWIFT network.
Action If the details are to create a SWIFT payment or return SWIFT information, reject the details. Otherwise, you can ignore this warning.

BWG_W_IBAN_NOT_FORM_ACCT_NO

Code 16
Message IBAN cannot be formed because the account number has too many characters.
For example, for Swiss accounts, the account number has more than 12 characters.
Action If you need the IBAN, reject the details. Otherwise, you can ignore this warning.

BWG_W_IBAN_UNABLE_TO_DECOMPOSE

Code 17
Message Unable to decompose the IBAN therefore the generated details may not be correct.
Action If you need the bank or branch code, you should validate the returned details. Otherwise ignore this message.

BWG_W_FOREIGN_CURRENCY_ACCT

Code 26
Message Account is a foreign currency account
Action If this is a domestic payment in the local currency, reject the details. Otherwise, you can ignore this warning.

BWG_W_NO_BRANCH_VALIDATION

Code 27
Message Unable to validate branch details
Action This is returned when Bank Wizard does not include branch level information for these countries. Bank Wizard checks the format of the branch code, and performs any modulus checks.

BWG_W_NO_BRANCH_INST_FOUND

Code 28
Message Branch not found, head office data returned
Action This is returned when Bank Wizard does not have branch level information for these account details. The relevant head office information is returned instead. Bank Wizard checks the format of the account details and performs any modulus checks.

Warning conditions only used for SEPA data

BWG_W_SEPA_NO_CT

Code 18
Message Branch is not SEPA compliant for Credit Transfers (CT).
Action If this is a SEPA transfer, reject the details. Otherwise, you can ignore this warning.

BWG_W_SEPA_CEASE_CT

Code 19
Message Branch will cease to be SEPA compliant for Credit Transfers (CT) within 30 days.
Action If this is a one-off SEPA Credit Transfer it is unlikely to be rejected. However, you should reject the details because they could be wrong in the future.

BWG_W_SEPA_NO_DD

Code 20
Message Branch is not SEPA compliant for Direct Debits (DD).
Action If this is a SEPA payment, reject the details. Otherwise, you can ignore this warning.

BWG_W_SEPA_CEASE_DD

Code 21
Message Branch will cease to be SEPA compliant for Direct Debits (DD) within 30 days.
Action If this is a one-off SEPA Direct Debit it is unlikely to be rejected. However, you should reject the details because they could be wrong in the future.

BWG_W_SEPA_NO_BD

Code 47
Message Branch is not SEPA compliant for Business Direct Debits.
Action If this is a SEPA payment, reject the details. Otherwise, you can ignore this warning.

BWG_W_SEPA_CEASE_BD

Code 48
Message Branch will cease to be SEPA compliant for Business Direct Debits within 30 days.
Action If this is a one-off SEPA Business Direct Debit it is unlikely to be rejected. However, you should reject the details because they could be wrong in the future.
ClosedWarning conditions only used in the United Kingdom

BWI_UK_FOREIGN_CURRENCY

Code 64
Message Account is a Foreign Currency account. This account cannot be modulus checked. You cannot get this warning if you are performing a branch check.
Action Reject the details if you should not be using Foreign Currency accounts for your application.

BWI_UK_ROLL_NUM_REQUIRED

Code 65
Message Collection account requires a reference or roll account number. The account requires a reference or roll number to debit or credit the account.
Action Check the details are correct, and, if so, determine the roll number required.

BWI_UK_SORT_NO_AUDDIS

Code 67
Message Sort code does not support AUDDIS transactions.
Action For credit accounts this should not cause a problem. However, for AUDDIS instructions either contact the branch or reject the details.

BWI_UK_SORT_NO_UNPAID_CHEQUE

Code 70
Message Sort code does not support Claims for Unpaid Cheque transactions.
Action If this limitation is a problem for your application, reject the details.

BWI_UK_SORT_NO_BS_CREDITS

Code 72
Message Sort code does not support Building Society Credit transactions.
Action If this limitation is a problem for your application, reject the details.

BWI_UK_SORT_NO_DIVIDEND

Code 73
Message Sort code does not support Dividend Interest Payment transactions.
Action If this limitation is a problem for your application, reject the details.

BWI_UK_ACC_NO_UNPAID_CHEQUE

Code 7Action
Message Account does not support Claims for Unpaid Cheque transactions. You cannot get this warning if you are performing a branch check.
Action If this limitation is a problem for your application, reject the details.

BWI_UK_ACC_NO_BS_CREDITS

Code 76
Message Account does not support Building Society Credit transactions. You cannot get this warning if you are performing a branch check.
Action If this limitation is a problem for your application, reject the details.

BWI_UK_ACC_NO_DIVIDEND

Code 77
Message Account does not support Dividend Interest Payment transactions. You cannot get this warning if you are performing a branch check.
Action If this limitation is a problem for your application, reject the details.

BWI_UK_ACC_NO_AUDDIS

Code 78
Message Account does not support AUDDIS transactions. You cannot get this warning if you are performing a branch check.
Action For credits this should not cause a problem. For AUDDIS instructions either contact the branch or reject the details.

BWI_UK_SORT_NO_TODDASO

Code 79
Message Sort code does not support account switching.
Action If this limitation is a problem for your payments, reject the details.

BWI_UK_SORT_TODDASO_PAPER_ONLY

Code 80
Message Sort code supports partial account switching only.
Action If this limitation is a problem for your payments, reject the details.

BWI_UK_SORT_NO_BACS

Code 81
Message Sort code does not support Bacs transactions.
Action This branch is closed to Bacs transactions but may accept other types of transactions. If this limitation is a problem for your payments, reject the details.

BWI_UK_SORT_BACS_CLOSING

Code 82
Message This bank branch will be closing for Bacs clearing within 30 days.
Action If this limitation is a problem for your payments, reject the details. The branch may still be accepting other types of transactions.

Roll number conditions

These conditions can only occur when validating roll numbers.

BWI_UK_RN_UNAVAILABLE_MODULUS

Code 90
Message Roll number modulus check algorithm is unavailable for these account details. The institution has not provided a modulus checking rule for the roll number, but has not confirmed that one does not exist.
Action Manually reconfirm the roll number before continuing. Do not treat this as an error.

BWI_UK_RN_NO_MODULUS

Code 91
Message Roll number does not use a modulus check algorithm.
The institution has confirmed that there is no modulus checking rule that can be applied to validate the roll number.
Action Manually reconfirm the roll number before continuing. Do not treat this condition as an error.

BWI_UK_RN_UNAVAILABLE_FORMAT

Code 92
Message Roll number format check is unavailable for these account details.
The Institution has not provided a format rule for the roll number, but has not confirmed that one does not exist.
Action Manually reconfirm the roll number before continuing. Do not treat this condition as an error.

BWI_UK_RN_NO_FORMAT

Code 93
Message Roll number does not use a format check
The institution has confirmed that there is no format rule that can be applied to validate the roll number.
Action Manually reconfirm the roll number details before continuing. Do not treat this condition as an error.

BWI_UK_RN_UNAVAILABLE_INFO

Code 94
Message Roll number information is unavailable for these account details. The sort code and account number are not in the Bank Wizard database and therefore the roll number cannot be validated.
Action Check the sort code and account number.

BWI_UK_RN_NON_BACS_TO_SPACE

Code 95
Message Non-Bacs characters in the roll number were converted to spaces.
Action Use the converted roll number in further processing.

Faster Payments conditions

BWI_UK_FPS_NO_FPS

Code 100
Message This bank branch does not accept Faster Payment (FPS) payments.

BWI_UK_FPS_ACCOUNT_NO_FPS

Code 101
Message This account does not accept FPS payments.

BWI_UK_FPS_DIRECT_AGENCY

Code 102
Message This bank branch is a direct agency participant within Faster Payments.

BWI_UK_FPS_INDIRECT_AGENCY

Code 103
Message This bank branch is an indirect agency participant within Faster Payments.

BWI_UK_FPS_30DAY_CLOSING

Code 104
Message This bank branch will be closing for Faster Payments clearing within 30 days.

BWI_UK_FPS_REDIRECT

Code 105
Message This bank branch has been redirected to another sort code for Faster Payments.

BWI_UK_FPS_REDIRECT_NO_ACC

Code 106
Message This sort code has been redirected and all account numbers have been renumbered.
Action You must reject this payment because the sort code has been redirected and this account number is not valid for the new sort code.
ClosedWarning conditions only used in Finland

BWI_FI_MODCHECK_NOT_APPL

Code 64
Message Modulus checking cannot be applied.
This account cannot be modulus checked because the bank-branch code is 4 or 5 digits.
Action Bank Wizard cannot confirm the validity of this account number. Manually reconfirm the account details before continuing. Typically, you should not treat this as an error.

BWI_FI_NORDEA_UNREC

Code 65
Message Account type for Nordea Bank-branch is not recognised.
This is generated when a branch has been found that matches the first 4 digits but the last 2 digits are not one of the recognised account type numbers for Nordea.
Action If you need to use the bank-branch code you should reject the details. Otherwise, you can ignore this warning.

BWI_FI_IBAN_NOT_FORM

Code 66
Message IBAN cannot be generated.
The IBAN cannot be generated from a 4 or 5 digit Bank-branch code.
Action If you need the IBAN, reject the details. Otherwise, you can ignore this warning.
ClosedWarning condition only used in Germany

BWI_DE_SUBACCOUNT_AMBIGUOUS

Code 64
Message Sub-account number is ambiguous.
This warning is returned if two different transpositions of the account number would pass modulus checking, therefore Bank Wizard cannot determine what the account number is, for example 532013000 or 005320130.
Action Reconfirm the details.
ClosedWarning conditions only used in India

BWI_IN_W_NO_ELEC_PYMT_CLEARING

Code 64
Message The branch does not support electronic payment clearing.
Action If this is not an electronic payment, you can ignore this warning.

BWI_IN_W_NO_CHQ_CLEARING

Code 65
Message This branch does not support cheque clearing.
Action If this is not a cheque payment, you can ignore this warning.
ClosedWarning conditions only used in Italy

BWI_IT_W_BANK_BRANCH_REDIRECT

Code 64
Message The bank-branch has been redirected.
Action If this is a one-off payment or Direct Debit collection on an existing account it is unlikely to be rejected. However, you should reject the details because in the future they may not be valid.

BWI_IT_W_BANK_TAKE_OVER

Code 65
Message This bank code is being taken over by another institution.
Action If this is a one-off payment or Direct Debit collection on an existing account it is unlikely to be rejected. However, you should reject the details because in the future they may not be valid.
ClosedWarning conditions only used in the Netherlands

BWI_NL_W_BANK_CODE_NO_MATCH - Deprecated

Code 64
Message Supplied bank code does not match IBAN
The bank code supplied is not the same as the code in the Netherlands table. The returned details, (IBAN and Bank Code) are those contained in the Bank Wizard data.
Action You should not reject the details but use the returned details to create your payment.

BWI_NL_W_ACCT_NOT_FOUND

Code 65
Message Account number not found
The account number could not be found in the Netherlands table. This could be because this is a new account number that has not been added to the details yet.
Action Your business rules determine whether you accept or reject the details.
ClosedWarning condition only used in Portugal - Deprecated

BWI_PT_INST_RETURNED - Deprecated, replaced with generic Warning 28

Code 64
Message Institution details returned because branch code not valid.
This is returned when the bank code is valid, but the branch code is 0000. Bank Wizard cannot return the specific branch details but can return the details for the bank code.
Action If you can use the head office information, you can accept these details. If you need the specific branch information, you should reject these details.
ClosedWarning conditions only used in Switzerland

BWI_CH_NEW_BC_NO

Code 64
Message This bank-branch code is now linked to the new BC number and will be closed in the future.
Action If this is a one-off payment or a direct debit or credit on an existing account it is unlikely to be rejected. However, you should reject the details because they could be wrong in the future.

BWI_CH_NO_SIC_FR

Code 65
Message Branch cannot participate in SIC using Swiss Francs.
Action You can ignore this message if the payment is not a Swiss Francs payment.

BWI_CH_NO_SICDD_FR

Code 66
Message Branch cannot participate in SIC Direct Debits for Swiss Francs.
Action You can ignore this message if this payment is not a direct debit.

BWI_CH_NO_SICDC_FR

Code 67
Message Branch cannot participate in SIC Direct Credits for Swiss Francs.
Action You can ignore this message if this payment is not in Swiss Francs or a direct credit.

BWI_CH_B2B_FR

Code 68
Message Branch only accepts bank to bank transactions for Swiss francs.
Action You can ignore this message if this is not a bank to bank transaction.

BWI_CH_NO_SIC_EU

Code 69
Message Branch cannot participate in SIC using Euros.
Action You can ignore this message if the payment is not a Euros payment.

BWI_CH_NO_SICDD_EU

Code 70
Message Branch cannot participate in SIC Direct Debits for Euros.
Action You can ignore this message if this payment is not a direct debit.

BWI_CH_NO_SICDC_EU

Code 71
Message Branch cannot participate in SIC Direct Credits for Euros.
Action You can ignore this message if this payment is not a direct credit.
Related Topics Link IconSee also