SPEI Codes

Return causes and codes


return_reasonreturn_reason_codeDescription
non_existent_account01The CLABE or specified account is non-existent in the receiving bank's system.
canceled_account02The beneficiary's account existed but is currently closed or canceled.
blocked_account03The beneficiary's account is blocked (e.g., by court order, inactivity, or bank regulations) and cannot receive credits.
account_in_different_currency05The receiving account does not accept the transfer currency.
account_does_not_belong_to_receiving_participant06The account exists but is not with the selected bank.
account_type_does_not_correspond17An attempt was made to pay an account type that does not accept that type of transfer.
exceeds_authorized_account_balance_limit20The transfer exceeds the maximum balance limit the beneficiary's account can maintain.
exceeds_allowed_deposit_limit_for_the_month21The beneficiary's account has reached the maximum amount it can receive in credits during the month.
mobile_phone_line_number_not_registered22Applies to payments by mobile number. The phone number is not associated with an account.
incorrect_additional_information_structure24Incorrect additional information structure
account_with_restriction_for_spei_payments25The beneficiary's account has a specific restriction imposed by the bank not to accept SPEI transfers, even if it can receive deposits through other means.
recipient_participant_has_decided_not_to_accept_payments26The receiving bank has implemented a rule that prevents it from accepting payments from certain issuing participants or under certain conditions.
optional_payment_not_accepted_by_receiving_participant27An attempt was made to use an additional payment type not supported by the receiving bank.
duplicate_tracking_key_by_issuer_and_operation_day30The issuing bank used the same tracking key for two different payments on the same day.