Warning conditions

BWG_W_TRANSPOSED

Code

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.

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.

Action

You should save both the details entered by the user and those returned by Bank Wizard against the customer record.

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

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.

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

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

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".

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.
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

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".

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.
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

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".

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

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".

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

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

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	14
Message	BIC is for test or training only.
Action	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

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.

Warning conditions only used in the United Kingdom

BWI_UK_FOREIGN_CURRENCY

Code

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

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

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

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

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

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

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

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

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

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

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 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.

Warning conditions only used in Finland

BWI_FI_MODCHECK_NOT_APPL

Code

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

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

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.

Warning 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.

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

Code	65
Message	This branch does not support cheque clearing.
Action	If this is not a cheque payment, you can ignore this warning.

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.

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.

Warning conditions

BWG_W_TRANSPOSED

BWI_W_30DAY + country

BWG_W_UNAVAILABLE_MODULUS

BWG_W_NO_MODULUS

BWG_W_BRANCH_CLOSING

BWG_W_ACCOUNT_NO_DD

BWG_W_BRANCH_NO_DD

BWG_W_ACCOUNT_NO_DC

BWG_W_BRANCH_NO_DC

BWG_W_BRANCH_TRANSFERRING

BWG_W_UNAVAILABLE_BIC_INFO

BWG_W_IBAN_NOT_FORM_AMBIGUOUS

BWG_W_TEST_ONLY

BWG_W_NOT_SWIFT_BIC

BWG_W_IBAN_NOT_FORM_ACCT_NO

BWG_W_IBAN_UNABLE_TO_DECOMPOSE

BWG_W_FOREIGN_CURRENCY_ACCT

BWG_W_NO_BRANCH_VALIDATION

BWG_W_NO_BRANCH_INST_FOUND

Warning conditions only used for SEPA data

BWG_W_SEPA_NO_CT

BWG_W_SEPA_CEASE_CT

BWG_W_SEPA_NO_DD

BWG_W_SEPA_CEASE_DD

BWG_W_SEPA_NO_BD

BWG_W_SEPA_CEASE_BD

BWI_UK_FOREIGN_CURRENCY

BWI_UK_ROLL_NUM_REQUIRED

BWI_UK_SORT_NO_AUDDIS

BWI_UK_SORT_NO_UNPAID_CHEQUE

BWI_UK_SORT_NO_BS_CREDITS

BWI_UK_SORT_NO_DIVIDEND

BWI_UK_ACC_NO_UNPAID_CHEQUE

BWI_UK_ACC_NO_BS_CREDITS

BWI_UK_ACC_NO_DIVIDEND

BWI_UK_ACC_NO_AUDDIS

BWI_UK_SORT_NO_TODDASO

BWI_UK_SORT_TODDASO_PAPER_ONLY

BWI_UK_SORT_NO_BACS

BWI_UK_SORT_BACS_CLOSING

Roll number conditions

BWI_UK_RN_UNAVAILABLE_MODULUS

BWI_UK_RN_NO_MODULUS

BWI_UK_RN_UNAVAILABLE_FORMAT

BWI_UK_RN_NO_FORMAT

BWI_UK_RN_UNAVAILABLE_INFO

BWI_UK_RN_NON_BACS_TO_SPACE

Faster Payments conditions

BWI_UK_FPS_NO_FPS

BWI_UK_FPS_ACCOUNT_NO_FPS

BWI_UK_FPS_DIRECT_AGENCY

BWI_UK_FPS_INDIRECT_AGENCY

BWI_UK_FPS_30DAY_CLOSING

BWI_UK_FPS_REDIRECT

BWI_UK_FPS_REDIRECT_NO_ACC

BWI_FI_MODCHECK_NOT_APPL

BWI_FI_NORDEA_UNREC

BWI_FI_IBAN_NOT_FORM

BWI_DE_SUBACCOUNT_AMBIGUOUS

BWI_IN_W_NO_ELEC_PYMT_CLEARING

BWI_IN_W_NO_CHQ_CLEARING

BWI_IT_W_BANK_BRANCH_REDIRECT

BWI_IT_W_BANK_TAKE_OVER

BWI_NL_W_BANK_CODE_NO_MATCH - Deprecated

BWI_NL_W_ACCT_NOT_FOUND

BWI_PT_INST_RETURNED - Deprecated, replaced with generic Warning 28

BWI_CH_NEW_BC_NO

BWI_CH_NO_SIC_FR

BWI_CH_NO_SICDD_FR

BWI_CH_NO_SICDC_FR

BWI_CH_B2B_FR

BWI_CH_NO_SIC_EU

BWI_CH_NO_SICDD_EU

BWI_CH_NO_SICDC_EU