SEPA
AC13
Debtor account type invalid
Category: Account R-type: Reject
SCT
N/A
SCT Inst
N/A
SDD Core
Applies
SDD B2B
Applies
Retryable
No — different account required
Generated by
Debtor bank.
ISO 20022 definition
Debtor account type is missing or invalid.
Typical cause
The debtor's account type does not permit direct debits — for example, a savings account that cannot be collected against under SEPA rules.
What to do about it
Ask the customer for a current/checking account that supports direct debit collection; do not resubmit against the same account.
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