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SEPA AC06

Blocked account

Category: Account R-type: Reject / Return

SCT

Applies

SCT Inst

Applies

SDD Core

Applies

SDD B2B

Applies

Retryable

No, until customer confirms unblocked

Generated by

Debtor bank (SDD — debtor account frozen) or beneficiary bank (SCT/SCT Inst — creditor account frozen).

ISO 20022 definition

Account specified is blocked, prohibiting posting of transactions against it.

Typical cause

Account frozen by the account holder, a legal/bankruptcy order, or a bank-side risk restriction.

What to do about it

Pause collections or payments to this account and contact the customer. Do not resume until the customer confirms the account is unblocked.

Rulebook note

SDD lists AC06 as both Reject and Return; the SCT/SCT Inst table lists it as Return only — for credit transfers a blocked creditor account is typically caught post-settlement rather than rejected outright.

Confidence: high. Sourced from PaymentBrief's SEPA R-transaction reference article, cross-verified against ISO 20022 external code sets and EPC guidance documents. Reason-code applicability and timing windows vary by rulebook version and bank handling — verify against your bank or PSP before acting.

Full reference

SEPA Return and Reject Codes: The R-Transaction Reference

Related codes

AC01

Incorrect account number

AC03

Wrong IBAN (creditor)

AC04

Closed account number