> ## 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

When an inbound or outbound SPEI transfer is returned, the `return_reason` describes why. The
following table lists the return causes and codes, along with what to do for each one.

| Code | Reason                                                     | Description                                                                                                                                                                     |
| :--- | :--------------------------------------------------------- | :------------------------------------------------------------------------------------------------------------------------------------------------------------------------------ |
| `01` | `non_existent_account`                                     | The destination account number does not exist. Check if the number is correct.                                                                                                  |
| `02` | `blocked_account`                                          | The destination account is blocked. Check with the account holder for details or a new account.                                                                                 |
| `03` | `canceled_account`                                         | The destination account is closed. Check with the account holder for details or a new account.                                                                                  |
| `05` | `account_in_different_currency`                            | The destination account is in a different currency than your origin account. Use an account in the same currency.                                                               |
| `06` | `account_does_not_belong_to_receiving_participant`         | The destination account and institution don't match. Confirm you are using the correct institution.                                                                             |
| `16` | `wrong_operation_type`                                     | Error in the code or type of operation being attempted.                                                                                                                         |
| `17` | `account_type_does_not_correspond`                         | The destination account does not receive SPEI transfers. Try with a different account.                                                                                          |
| `20` | `exceeds_authorized_account_balance_limit`                 | The recipient account has reached its holding limit. Try again later.                                                                                                           |
| `21` | `exceeds_allowed_deposit_limit_for_the_month`              | The recipient account has reached its monthly limit. Try again later.                                                                                                           |
| `22` | `mobile_phone_line_number_not_registered`                  | The recipient account has reached its monthly limit. Try again later.                                                                                                           |
| `25` | `account_with_restriction_for_spei_payments`               | The destination account does not receive SPEI transfers. Try with a different account.                                                                                          |
| `26` | `recipient_participant_has_decided_not_to_accept_payments` | 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. |
| `27` | `optional_payment_not_accepted_by_receiving_participant`   | An attempt was made to use an additional payment type not supported by the receiving bank.                                                                                      |