Ohmyfin giải đáp: What does DNOR mean as a SWIFT reject code?
Câu trả lời của Ohmyfin bên dưới (bằng tiếng Anh).
DNOR means 'Debtor Bank not Registered in Payment Scheme'. The BIC of the originating (sender's) bank is not recognised in the relevant payment scheme. This is rare and indicates a configuration issue at the sender's bank side — not something the customer can fix. The sender's bank must resolve it with SWIFT directly.
DNOR is the mirror of CNOR — it applies to the debtor (sender) bank rather than the creditor (beneficiary) bank. It means a receiving bank in the chain has rejected the payment because the originating bank's BIC is not registered in the payment scheme being used.
This is extremely unusual in normal GPI traffic because all banks that send SWIFT messages are by definition registered in SWIFT. DNOR more commonly appears in domestic payment scheme contexts (e.g. SEPA Instant Credit Transfer) where not all banks are registered in the instant scheme.
What to do: contact your (sender's) bank immediately and report the DNOR reject. This is entirely their issue to resolve — either their BIC registration has lapsed or there is a configuration error on their end. Demand they resend the payment through a route that works, or escalate to their correspondent banking team.
DNOR = Debtor Bank not Registered — sender's bank BIC not in the payment scheme
Rare in normal GPI; more common in domestic scheme contexts (SEPA Instant, etc.)
This is the sender's bank's error — not the customer's problem
Report to sender's bank and demand they resolve + resend
What does DNOR mean as a SWIFT reject code?
DNOR means 'Debtor Bank not Registered in Payment Scheme'. The BIC of the originating (sender's) bank is not recognised in the relevant payment scheme. This is rare and indicates a configuration issue at the sender's bank side — not something the customer can fix. The sender's bank must resolve it with SWIFT directly.
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Ohmyfin giải đáp
Ohmyfin có miễn phí không?
Có, theo dõi thanh toán SWIFT qua UETR miễn phí mà không cần đăng ký. Tạo tài khoản để truy cập lịch sử hàng ngày và tín dụng miễn phí bổ sung.
Số UETR là gì?
UETR (Tham chiếu Giao dịch Duy nhất Đầu cuối) là UUID 36 ký tự được gán cho mỗi thanh toán SWIFT GPI để theo dõi qua toàn bộ chuỗi ngân hàng đại lý.
Chuyển tiền SWIFT mất bao lâu?
Hầu hết thanh toán SWIFT GPI hoàn tất trong 24 giờ; chuyển tiền quốc tế có thể mất 1-5 ngày làm việc tùy theo ngân hàng trung gian và loại tiền tệ.