Reasons for refusal

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CODE Reason for refusal Details on the reason for refusal Explanation on the reason for refusal - BNR
1 Instrument issued without the authorization of the drawee bank (code 1 - details in the informational "i") Check emitted without the authorization of the payer The cheque is issued by a drawer who does not have the authorisation of the drawee bank to use it
2 Refused because of total lack of liquidities when presented for payment in term(code 2 - details in the informational "i") ID rejected because of a total lack of liquidities, in case of presentment for payment before the expiry of the term of presentment At the moment when the payment instrument has been presented for payment, the drawer does not have any available funds in his account or it only has part of the amount to pay; the presentment for payment of the instrument must be made according to the provisions of article 30 of Law no. 59/1934 on the cheque, as amended by Law no. 83/1994: within 8 days as of the date of its issuance, if payable in the same locality where it has been issued, and within 15 days as of the date of its issuance, in the other cases;

If the last day of the term for presentment for payment provided by the Law on the cheque is a statutory holyday, this term shall be extended until the next working day; the statutory holydays are included in the calculation of the legal terms provided by the Law on the cheque (point 339 of the General Norms no. 7/1994)

The date of the presentment for payment must observe the provisions of article 2 point a of the Regulation no. 1/2001 on the organization and operation of the Payment Incidents Register within the National Bank of Romania
 
3 Refused because of a partial lack of liquidities when presented for payment in term (code 3 - details in the informational "i") ID rejected because of a partial lack of liquidities, in case of presentment for payment before the expiry of the term of presentment  
4 Refused because of a total lack of liquidities when presented for payment in term(code 4 - details in the informational "i") Bill of exchange or promissory note, due at the expiry of a certain term as of sight, as of issuance or at a fixed date, rejected because of a total lack of liquidities, in case of its presentment for payment on term* At the moment when the payment instrument has been presented for payment, the drawee does not have any available funds in his account or it only has part of the amount to pay; the presentment for payment must be done according to the provisions of article 41 of the Law no. 58/1934 on the bill of exchange and the promissory note, as amended by Law no. 83/1994: at the expiry of a certain term as of sight, at the expiry of a certain term as of the date of issuance or at a fixed date, either on the day when the bill of exchange is payable, or on either of the two following working days;
The payment of a  bill of exchange whose due date falls on a statutory holiday may only be requested on the following working day (article 95 of the Law no. 58/1934 on the bill of exchange and the promissory note, as amended by Law no. 83/1994);
If within the two working days allowed for the postponing of the payment after the due date there would be any statutory holyday of one or more days, the number of days representing the statutory holyday shall be added to the tolerance of the aforementioned two days (point 237 of the General Norms no. 6/1994);
The date of the presentment for payment must be set in accordance with the provisions of article 2 point a of the Regulation no. 1/2001 on the 
5 Refused because of a partial lack of liquidities when presented for payment in term (code 5 - details in the informational "i") Bill of exchange or promissory note, due at the expiry of a certain term as of sight, as of issuance or at a fixed date, rejected because of a partial lack of liquidities, in case of its presentment for payment on term*  
6 Instrument issued  with a false date or missing a mandatory mention (code 6 - details in the informational "i") ID issued with a false date or missing a mandatory mention The data on the bill of exchange do not observe the provisions of points 31, 223-224 of the General Norms no. 6/1994 on the bill of exchange and the promissory note and of article 1 of the Law no. 58/1934 on the bill of exchange and the promissory note, as amended by Law no. 83/1994
7 Instrument issued by a drawer under bank interdiction (code 7 - details in the informational "i") Cheque issued by a drawer under bank interdiction At the date when the cheque was issued, the drawer was under a bank interdiction
8 The drawer is in bankruptcy (code 8 - details in the informational "i") The drawer’s bankruptcy  The initiation of the bankruptcy procedure against the concerned legal entity
9 Absence of a mandate for the signatory party (code 9 - details in the informational "i") The absence of a mandate for the signatory party The signature/s on the cheque do(es) not correspond to the specimen signature/s of the person/s authorized in the relationship with the bank
10 Interdiction of payment by the drawee, when presented for payment in term for payment after the expiry of the term of presentment (code 10 - details in the informational "i") The interdiction of payment by the drawer, in case of presentment for payment after the expiry of the term of presentment After the expiry of the term of presentment for payment, the drawer has the right to forbid the payment of the cheque, according to the provisions of article 33 of  Law no. 59/1934 on the cheque, as amended by Law no. 83/1994
11 Instrument refused because of a partial or total lack of liquidities and presented for payment after the expiry of the term of presentment (code 11 - details in the informational "i") ID rejected because of a total or partial lack of liquidities, in case of presentment for payment after the expiry of the term of presentment At the moment when the payment instrument has been presented for payment, the drawer does not have any available funds in his account or it only has part of the amount to pay;
If the last day of the term for presentment for payment provided by the Law on the cheque is a statutory holyday, this term shall be extended until the next working day; the statutory holydays are included in the calculation of the legal terms provided by the Law on the cheque (point 339 of the General Norms no. 7/1994)
The date of the presentment for payment must observe the provisions of article 2 point a of the Regulation no. 1/2001 on the organization and operation of the Payment Incidents Register within the National Bank of Romania
 
12 The instrument presents various conditions for processing the payment (code 12 - details in the informational "i") ID contains various conditions for payment ID contains on its front side instructions against the provisions of article 1 point 2 of Law no. 59/1934 on the cheque, as amended by Law no. 83/1994 and of points 13-16 of the General Norms no. 7/1994
13 Litigation with respect to the ownership right (code 13 - details in the informational "i") Litigation with respect to the ownership right In case of a garnishment on the client’s account, of an order of blocking of the account etc.
14 The instrument belongs to an edition of instruments unauthorized by the NBR (code 14 - details in the informational "i") The cheque belongs to an edition of instruments unauthorized by the NBR The cheque belongs to a set of instruments for which the respective bank does not have the NBR’s authorization
15 The instrument belongs to a set of instruments that has been withdrawn from circulation (code 15 - details in the informational "i") The cheque belongs to a set of instruments that has been withdrawn from circulation In case the drawee bank had the initiative of withdrawing from circulation some cheque forms and it has not entirely recovered them, it is obliged to declare as null and void the unrecovered cheques (article 19 of the Regulation no. 1/2001 on the organization and operation of the Payment Incidents Register within the National Bank of Romania)
The provisions of article 19 shall be also applied to the bank that cannot use anymore the cheques mentioning it as drawee bank, in situations such as: the initiation of the bankruptcy procedure; the bank is subject to interdictions or the authorization of operation as a bank has been withdrawn to the legal entity;
If within the 15 calendar days as of the date when the NBR has been notified, there are cheque forms that were not filled in or were wrongly filled in and which were not recovered, the bank shall declare them as null and void, according to appendix 4A of the Regulation no. 1/2001
 
16 Instrument declared as lost, stolen or destroyed (code 16 - details in the informational "i") ID declared lost, stolen, destroyed Declaring the cheque as lost, stolen, destroyed, under the conditions provided by article 17 of the Regulation no. 1/2001 on the organization and operation of the Payment Incidents Register within the National Bank of Romania
17 Certain mentions appear as modified or deleted (code 17 - details in the informational "i") The modification or deletion of mandatory mentions  The modification or deletion of mentions on the cheque leads to the alteration of the instrument (article 66 of Law no 59/1934 on the cheque, as amended by Law no. 83/1994 and points 306-311 of the General Norms no. 7/1994)
18 Faults in filling in the mentions on the instrument (code 18 - details in the informational "i") Faults in filling in the mentions on the ID The transcription in letters of the amount to pay does not allow its certain identification; non-observance of point 6 of the General Norms no. 7/1994 
19 The account does not corespondes with the holder (code 19 - details in the informational "i") The account does not corresponds with the holder  
O9 Circular cheque / travel cheque on bearer  (code O9 - details in the informational "i") Circular cheque / travel cheque on bearer The absence of the beneficiary’s name on the cheque breaks the provisions of point 350 and of point 216 of the General Norms no. 7/1994 on the cheque