return_reason describes why. The following table lists the return reasons, codes, and
available guidance.
| Code | Reason | Description |
|---|---|---|
01 | non_existent_account | The destination account number does not exist. Verify that the number is correct. |
02 | blocked_account | The destination account is blocked. Ask the account holder for details or a different account. |
03 | canceled_account | The destination account is closed. Ask the account holder for details or a different account. |
05 | account_in_different_currency | The destination account is in a different currency than your originating account. Use an account in the same currency. |
06 | account_does_not_belong_to_receiving_participant | The destination account and institution do not match. Confirm that you are using the correct institution. |
16 | wrong_operation_type | The operation code or type is invalid. |
17 | account_type_does_not_correspond | The destination account does not receive SPEI transfers. Use a different account. |
20 | exceeds_authorized_account_balance_limit | The recipient account has reached its holding limit. Retry when the account is below the limit. |
21 | exceeds_allowed_deposit_limit_for_the_month | The recipient account has reached its monthly limit. Retry after the monthly limit resets. |
22 | mobile_phone_line_number_not_registered | The recipient’s mobile phone number is not registered. Verify the number with the account holder. |
25 | account_with_restriction_for_spei_payments | The destination account does not receive SPEI transfers. Use a different account. |
26 | recipient_participant_has_decided_not_to_accept_payments | The receiving bank does not accept payments from specific issuing participants or under specific conditions. Use a different account. |
27 | optional_payment_not_accepted_by_receiving_participant | The receiving bank does not support the additional payment type. |