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RESPONSE CODES

MEANINGS

Escalation Required

06

Card-issuing bank detected an error

Yes

20

Invalid Response from Financial Institution

Yes

21

No Action Taken by Financial Institution

Yes

22

Suspected Malfunction

Yes

69

Advice received too late

TBD

91

Issuer or Switch Inoperative

Yes

92

Routing Error

Yes

96

System Malfunction

Yes

51

Not sufficient funds

NO

53

No savings account

NO

55

Incorrect PIN

NO

57

Transaction not permitted to cardholder

TBD

61

Exceeds Withdrawal Limit

NO

65

Exceeds withdrawal frequency

NO

75

PIN tries exceeded

NO

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