AG02: Operation not allowed on the account
SEPA return code AG02 — belongs to the AG group (operación no permitida).
TL;DR
- Meaning: Operation not allowed on the account.
- Category: Operación no permitida.
- Common cause: the debtor’s bank has internal rules blocking this operation type.
- How to fix it: ask the debtor to clarify with their bank. often triggered by minor, escrow or fiduciary accounts.
- Bank fee? Typically yes (depends on your bank contract).
When it appears
The debtor’s bank has internal rules blocking this operation type.
How to fix it
Ask the debtor to clarify with their bank. Often triggered by minor, escrow or fiduciary accounts.
XML example
This code lives inside the <RsnInf> block of the return message (pain.002 or camt.054):
<Rtr>
<RsnInf>
<Rsn>
<Cd>AG02</Cd>
</Rsn>
<AddtlInf>Return because of operation not allowed on the 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 AG-type returns.
Conclusion
AG02 is a operación no permitida type return. Follow the steps above to fix and re-issue.
