The ARUCS Report is the Automated Return of Unapplied Credit Service Report.
If the correct account cannot be identified or the payment of the Direct Credit cannot be applied for any reason, the funds will be returned by the Receiving Bank to the remitting organization’s bank account no later than Day 5 of the Bacs Processing Cycle (Day 1 being Input Day).
A report, advising that the payment has not been applied and providing reasons why, will be made available to the Service User to download via the payment services website or via their BACSTEL-IP software package. The report will include the Beneficiary Reference included in the original payment.
Rule: Recipients of ARUCS advices must action them within 3 working days of the date the advice is available. Service users should advise the Beneficiary of the failure, and obtain correct details where appropriate.
Automated Return of Unapplied Credit Service reason codes
0 – Invalid Details
Circumstances: Account details not recognized.
Special Instruction / Information: The services user should contact the beneficiary for new details.
2 – Beneficiary Deceased
Special Instruction / Information:
3 – Account Transferred
Circumstances: Account transferred to a new bank or building society.
Special Instruction / Information: The Service User should first check it has not been notified of the new bank details. If not, contact the beneficiary for correct details.
5 – No Account
Circumstances: Account number is not recognized at the receiving bank.
Special Instruction / Information: The Service User should check information provided and if necessary, liaise with beneficiary.
B – Account Closed
Circumstances: Beneficiary has closed their account for an unknown reason.
Special Instruction / Information: The Service User should contact the beneficiary for new details.
C – Requested By Remitter
Circumstances: Remitter has requested payment is not applied.
Special Instruction / Information: N/A