{
  "id": "banking/eu-sepa-transfer-rejection-iban-bic",
  "signature": "AI tells an EU resident to make a SEPA transfer using only the recipient's name and account number, omitting IBAN and BIC",
  "signature_zh": "AI告诉欧盟居民仅凭收款人姓名和账号进行SEPA转账，忽略IBAN和BIC",
  "regex": "IBAN.*(?:missing|invalid|format)|BIC.*(?:missing|invalid)|REJECTED-IBAN-FORMAT-ERR",
  "domain": "banking",
  "category": "config_error",
  "subcategory": null,
  "root_cause": "SEPA Credit Transfer regulations mandate IBAN and BIC for all euro-denominated payments within the SEPA zone; domestic account numbers are not interoperable across national clearing systems.",
  "root_cause_type": "generic",
  "root_cause_zh": "SEPA贷记转账规定要求所有SEPA区域内的欧元支付必须使用IBAN和BIC；国内账号在不同国家的清算系统中不可互操作。",
  "versions": [
    {
      "version": "SEPA Rulebook 2024 v1.0",
      "introduced": null,
      "deprecated": null,
      "removed": null,
      "behavior_change": null,
      "status": "active"
    },
    {
      "version": "ISO 20022 2023",
      "introduced": null,
      "deprecated": null,
      "removed": null,
      "behavior_change": null,
      "status": "active"
    },
    {
      "version": "EBA Clearing SEPA CT 2024",
      "introduced": null,
      "deprecated": null,
      "removed": null,
      "behavior_change": null,
      "status": "active"
    }
  ],
  "os_specific": {},
  "dead_ends": [
    {
      "action": "",
      "why_fails": "IBAN is not simply a padded account number; it includes country code, check digits, and bank identifier; domestic account numbers are not IBANs.",
      "fail_rate": 0.95,
      "condition": "",
      "sources": []
    },
    {
      "action": "",
      "why_fails": "SEPA replaced national clearing systems; legacy formats are rejected by the SEPA message validator at the originating bank.",
      "fail_rate": 0.9,
      "condition": "",
      "sources": []
    },
    {
      "action": "",
      "why_fails": "Banks do not maintain cross-border mapping tables; the SEPA scheme requires explicit IBAN/BIC in the payment instruction.",
      "fail_rate": 0.85,
      "condition": "",
      "sources": []
    }
  ],
  "workarounds": [
    {
      "action": "Retrieve the IBAN and BIC from the recipient's bank statement or online banking portal; enter both in the SEPA transfer form exactly as shown (e.g., IBAN: DE89370400440532013000, BIC: COBADEFFXXX).",
      "success_rate": 0.95,
      "how": "Retrieve the IBAN and BIC from the recipient's bank statement or online banking portal; enter both in the SEPA transfer form exactly as shown (e.g., IBAN: DE89370400440532013000, BIC: COBADEFFXXX).",
      "condition": "",
      "sources": []
    },
    {
      "action": "Use the recipient's IBAN validator tool (e.g., iban.com) to generate the IBAN if you have the country, bank code, and account number; then manually enter it.",
      "success_rate": 0.8,
      "how": "Use the recipient's IBAN validator tool (e.g., iban.com) to generate the IBAN if you have the country, bank code, and account number; then manually enter it.",
      "condition": "",
      "sources": []
    },
    {
      "action": "If the recipient is a business, request their SEPA Creditor Identifier (SCI) and IBAN from their ERP system; use ISO 20022 XML format for batch payments.",
      "success_rate": 0.85,
      "how": "If the recipient is a business, request their SEPA Creditor Identifier (SCI) and IBAN from their ERP system; use ISO 20022 XML format for batch payments.",
      "condition": "",
      "sources": []
    }
  ],
  "workarounds_zh": [
    "Retrieve the IBAN and BIC from the recipient's bank statement or online banking portal; enter both in the SEPA transfer form exactly as shown (e.g., IBAN: DE89370400440532013000, BIC: COBADEFFXXX).",
    "Use the recipient's IBAN validator tool (e.g., iban.com) to generate the IBAN if you have the country, bank code, and account number; then manually enter it.",
    "If the recipient is a business, request their SEPA Creditor Identifier (SCI) and IBAN from their ERP system; use ISO 20022 XML format for batch payments."
  ],
  "transition_graph": {
    "leads_to": [],
    "preceded_by": [],
    "frequently_confused_with": []
  },
  "official_doc_url": "https://www.europeanpaymentscouncil.eu/document-library/guidance-documents/sepa-credit-transfer-rulebook",
  "official_doc_section": null,
  "error_code": "REJECTED-IBAN-FORMAT-ERR",
  "verification_tier": "ai_generated",
  "confidence": 0.85,
  "fix_success_rate": 0.88,
  "resolvable": "true",
  "first_seen": "2024-03-15",
  "last_confirmed": "2024-06-01",
  "last_updated": "2024-06-01",
  "evidence_count": 1,
  "tags": [],
  "locale": "en",
  "aliases": []
}