AC06: Blocked account
SEPA return code AC06 — belongs to the AC group (cuenta del deudor).
TL;DR
- Meaning: Blocked account.
- Category: Cuenta del deudor.
- Common cause: the debtor’s account is blocked by court order or bank reason.
- How to fix it: contact the debtor and postpone the collection. don’t retry shortly.
- Bank fee? Typically yes (depends on your bank contract).
When it appears
The debtor’s account is blocked by court order or bank reason.
How to fix it
Contact the debtor and postpone the collection. Don’t retry shortly.
XML example
This code lives inside the <RsnInf> block of the return message (pain.002 or camt.054):
<Rtr>
<RsnInf>
<Rsn>
<Cd>AC06</Cd>
</Rsn>
<AddtlInf>Return because of blocked 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
AC06 is a cuenta del deudor type return. Follow the steps above to fix and re-issue.
