An ARUCS report flags any Direct Credits that have not been successfully applied. If the receiving bank cannot identify the correct payment, or if the payment cannot be processed for any reason, the funds will be returned within five days of the Bacs processing cycle. The ARUCS report then confirms the return and explains the reason why it was sent back.
View and download an ARUCS report
Click the Direct Debits tab on the left hand side.
Select the Bacs tab.
Click the Action Log tab, then use the Filters panel to select your report criteria:
Bank Reference: Enter this to view a specific contract.
Date Range: Select a From and To date to filter results for a specific period.
Bacs Report Type: Select ARUCS.
Reason Code: Leave blank to view all codes, or enter a specific Bacs code to filter results.
Select Apply to generate the report and review the filtered results displayed.
Click Download CSV to export the report for further review.
ARUCS reason codes and consequences
Code | Reason | Circumstances | Information |
0 | Invalid details | Account details were not recognised. | Contact beneficiary for new account details. |
2 | Beneficiary deceased | Beneficiary of the credit has died. | Payment returned as the beneficiary is deceased and further instruction is required. |
3 | Account transferred | Account transferred to a new bank or building society. | Check for updated bank details. If none, contact beneficiary to confirm. |
5 | No account | There is no account matching the details provided. | Check provided details. If unsure, contact beneficiary. |
B | Account closed | Beneficiary's account has been closed. | Contact beneficiary for new account details. |
C | Requested by originator | The originator of the credit has requested the payment not be applied. | Contact the originator of the credit for instructions. |
📌Note: If you have a query about any of these reason codes, please reach out to our support team and request to speak to an agent.