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What does this warning mean: ‘This payment is not routing SEPA, so the Beneficiary reference will not be used. Please put something meaningful to the beneficiary in the Information for the beneficiary section.’?


The Beneficiary reference is only for use in SEPA-routing payments. SEPA-routing payments must be standard priority and sent in EUR.

This warning shows when you have put information in the beneficiary reference and the payment will not route SEPA. You will need to put the reference in the information for beneficiary lines instead.

Other payment details that will prevent the payment routing as SEPA are:

  • Use of an intermediary BIC.
  • Ticking the intra-company transfer box.
  • Use of SWIFT code words.
  • A beneficiary BIC that cannot accept SEPA payments.
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