AC06 Reason Code: Blocked Account

Official definition

What it means in practice

In a pacs.002 or pain.002 status report, a status reason code explains why a payment instruction was rejected (RJCT) or why it has another status. It sits in TxInfAndSts/StsRsnInf/Rsn/Cd.

The account is open but blocked, so the bank cannot post to it. Blocks come from court orders, sanctions, fraud checks, a deceased holder or the bank's own decision. The code does not say which.

What to do

• Do not resend to the same account straight away; it will be blocked again.
• Contact the beneficiary through your usual channel and ask them to resolve the block with their bank, or to give other account details.

Messages and fields that use ExternalStatusReason1Code

And 8 more messages: see the ExternalStatusReason1Code page.

Related reason codes

• AC01Incorrect Account Number
• AC02Invalid Debtor Account Number
• AC03Invalid Creditor Account Number
• AC04Closed Account Number
• AC05Closed Debtor Account Number
• AC07Closed Creditor Account Number
• AC08Invalid Branch Code
• AC09Invalid Account Currency

AC06 in other code sets

• AC06 in ExternalReturnReason1Code
• AC06 in ExternalMandateReason1Code

AC06 questions

What does AC06 mean in ISO 20022?

AC06 is Blocked Account in the ExternalStatusReason1Code code set: Account specified is blocked, prohibiting posting of transactions against it.

What should I do when I get AC06?

Do not resend to the same account straight away; it will be blocked again. Contact the beneficiary through your usual channel and ask them to resolve the block with their bank, or to give other account details.

Where does AC06 appear in a message?

For example in pacs.002, element TxInfAndSts/StsRsnInf/Rsn/Cd.