Last reviewed: · Curated by Ohmyfin Organisation editorial.
CNOR means 'Creditor Bank not Registered in Payment Scheme'. The BIC code for the beneficiary's bank is not recognised in the relevant payment scheme — it may be expired, unregistered, or the bank is no longer a SWIFT GPI member. The payment cannot be routed to that BIC and is rejected. Ask the beneficiary for an updated BIC from their current bank.
CNOR is an ISO 20022 ExternalReturnReason1Code. It is returned when the BIC in field 57A (Account With Institution / beneficiary bank) cannot be found in the SWIFT BIC directory or is not registered for the payment scheme used (e.g. GPI).
Common causes: the BIC is from a bank that has been acquired or merged (and the old BIC discontinued), the BIC belongs to a bank that is sanctioned and removed from SWIFT, the sender used an old BIC code that has since been updated, or the BIC was typed incorrectly.
What to do: contact the beneficiary and ask them for the current active BIC from their bank's official communication (statement header or account opening letter). Look it up on Ohmyfin's correspondent-bank directory to confirm it is active before resending.
CNOR means 'Creditor Bank not Registered in Payment Scheme'. The BIC code for the beneficiary's bank is not recognised in the relevant payment scheme — it may be expired, unregistered, or the bank is no longer a SWIFT GPI member. The payment cannot be routed to that BIC and is rejected. Ask the beneficiary for an updated BIC from their current bank.
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