> ## Documentation Index
> Fetch the complete documentation index at: https://docs.fintoc.com/llms.txt
> Use this file to discover all available pages before exploring further.

# SPEI codes

# Return causes and codes

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| return\_reason                                             | return\_reason\_code | Description                                                                                                                                                                     |
| ---------------------------------------------------------- | -------------------- | ------------------------------------------------------------------------------------------------------------------------------------------------------------------------------- |
| `non_existing_account`                                     | `01`                 | The destination account number does not exist. Check if the number is correct.                                                                                                  |
| `blocked_account`                                          | `02`                 | The destination account is blocked. Check with the account holder for details or a new account.                                                                                 |
| `canceled_account`                                         | `03`                 | The destination account is closed. Check with the account holder for details or a new account.                                                                                  |
| `wrong_currency`                                           | `05`                 | The destination account is in a different currency than your origin account. Use an account in the same currency.                                                               |
| `non_fintoc_account`                                       | `06`                 | The destination account and institution don't match. Confirm you are using the correct institution.                                                                             |
| `wrong_operation_type`                                     | `16`                 | Error in the code or type of operation being attempted.                                                                                                                         |
| `account_type_does_not_correspond`                         | `17`                 | The destination account does not receive SPEI transfers. Try with a different account.                                                                                          |
| `exceeds_account_limit`                                    | `20`                 | The recipient account has reached its holding limit. Try again later.                                                                                                           |
| `exceeds_account_monthly_payments_limit`                   | `21`                 | The recipient account has reached its monthly limit. Try again later.                                                                                                           |
| `non_registered_mobile_phone`                              | `22`                 | The recipient account has reached its monthly limit. Try again later.                                                                                                           |
| `missing_payment_instruction_due_to_balance_limit_reached` | `25`                 | The destination account does not receive SPEI transfers. Try with a different account.                                                                                          |
| `sender_client_protection_agreement`                       | `26`                 | The receiving bank has implemented a rule that prevents it from accepting payments from certain issuing participants or under certain conditions. Try with a different account. |
| `optional_payment_not_accepted_by_recipient_institution`   | `27`                 | An attempt was made to use an additional payment type not supported by the receiving bank.                                                                                      |

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