R-message AC04: Closed account

AC04: Closed account

SEPA return code AC04 — belongs to the AC group (cuenta del deudor).

TL;DR

Meaning: Closed account.
Category: Cuenta del deudor.
Common cause: the debtor’s account is closed at the bank.
How to fix it: ask the debtor for an active iban and either amend the mandate or sign a new one.
Bank fee? Typically yes (depends on your bank contract).

When it appears

The debtor’s account is closed at the bank.

How to fix it

Ask the debtor for an active IBAN and either amend the mandate or sign a new one.

XML example

This code lives inside the <RsnInf> block of the return message (pain.002 or camt.054):

<Rtr>
  <RsnInf>
    <Rsn>
      <Cd>AC04</Cd>
    </Rsn>
    <AddtlInf>Return because of closed account</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

AC04 is a cuenta del deudor type return. Follow the steps above to fix and re-issue.

Frequently Asked Questions

Does `AC04` carry a bank fee?

Almost always. Your bank charges a return fee per your contract.

Can I retry the collection?

It depends on the cause. Fix the reason above before retrying.

How do I prevent it?

Validate the batch before sending it and keep IBAN, mandates and CID up to date. Our [SEPA XML Validator](/sepa-direct-debit-xml-validator) catches most of these errors pre-submission.