ARUDD Reason Codes
ARUDD — the Automated Return of Unpaid Direct Debit service — is how a payer’s bank returns a Direct Debit you have collected. The code explains why it was not paid: most often insufficient funds, an instruction the payer cancelled, or an account that has closed or moved. The code comes back against the collection, after your file has been processed.
ARUDD codes
| Code | Meaning |
|---|---|
| 0 | Refer to payer (insufficient funds) |
| 1 | Instruction cancelled |
| 2 | Payer deceased |
| 3 | Account transferred |
| 5 | No account / wrong account type |
| 6 | No instruction |
| B | Account closed |
| 8 | Amount not yet due |
| 9 | Presentation overdue |
| A | Service user differs |
The complete list of ARUDD codes is in your bank's Originator's Guide.
Frequently asked questions
- What does ARUDD stand for?
- Automated Return of Unpaid Direct Debit — the service that returns a collected Direct Debit when the payer's bank could not pay it.
- Can a returned Direct Debit be presented again?
- It depends on the code. Some returns, such as a referral for insufficient funds, can be represented later; others, such as an instruction the payer cancelled, mean a new mandate is needed first. Check your bank's Originator's Guide before representing.
- Does an ARUDD code mean my BACS file was wrong?
- No. ARUDD codes are returned after the file has been accepted and processed, and they describe the payer's account or the mandate. A file the bank cannot read at all is a different problem — a structural one.
These codes describe why a Direct Debit mandate or payment was rejected — a banking/account issue, not a file-format problem. If instead your BACS submission file is malformed and won't upload to the bank (wrong record length, bad line endings, a UHF1/UTL1 mix-up, or totals that don't reconcile), that's what BACS Check repairs — paste or upload your file here →