AC01: Incorrect account number
SEPA return code AC01 — belongs to the AC group (cuenta del deudor).
TL;DR
- Meaning: Incorrect account number.
- Category: Cuenta del deudor.
- Common cause: when the debtor’s iban doesn’t exist or has invalid format.
- How to fix it: check the iban with our iban validator; if it’s correct, contact the debtor to confirm the right account.
- Bank fee? Typically yes (depends on your bank contract).
When it appears
When the debtor’s IBAN doesn’t exist or has invalid format.
How to fix it
Check the IBAN with our IBAN validator; if it’s correct, contact the debtor to confirm the right account.
XML example
This code lives inside the <RsnInf> block of the return message (pain.002 or camt.054):
<Rtr>
<RsnInf>
<Rsn>
<Cd>AC01</Cd>
</Rsn>
<AddtlInf>Return because of incorrect account number</AddtlInf>
</RsnInf>
</Rtr>
Prevention
Before sending the batch to your bank, validate it with our SEPA XML Validator. Catch the errors your ERP misses and reduce AC-type returns.
Conclusion
AC01 is a cuenta del deudor type return. Follow the steps above to fix and re-issue.
