AC02 - Invalid debtor account number

What this code means

AC02 means the debtor account — your own account, the one being debited — is not valid. The bank rejected the file because the ordering account it was told to debit does not check out.

Typical causes

• The ordering account IBAN in the file is wrong or belongs to another entity.
• The payment file was generated from an outdated company profile after an account change.
• The debit account is not one the bank has authorised for this submission channel.

What to do

Check the ordering account IBAN in your pain.001 or pain.008 against the account registered with your bank, correct it and resubmit. This rejection is recoverable.

What it looks like in a pain.002

The reason code is carried in the StsRsnInf/Rsn/Cd element of the status report.

<?xml version="1.0" encoding="UTF-8"?>
<Document xmlns="urn:iso:std:iso:20022:tech:xsd:pain.002.001.03">
  <CstmrPmtStsRpt>
    <GrpHdr>
      <MsgId>STATUS-2026-000123</MsgId>
      <CreDtTm>2026-01-15T09:30:00</CreDtTm>
    </GrpHdr>
    <OrgnlGrpInfAndSts>
      <OrgnlMsgId>MSG-2026-000045</OrgnlMsgId>
      <OrgnlMsgNmId>pain.001.001.09</OrgnlMsgNmId>
    </OrgnlGrpInfAndSts>
    <OrgnlPmtInfAndSts>
      <OrgnlPmtInfId>PMTINF-2026-01</OrgnlPmtInfId>
      <TxInfAndSts>
        <OrgnlEndToEndId>E2E-REF-0001</OrgnlEndToEndId>
        <TxSts>RJCT</TxSts>
        <StsRsnInf>
          <Rsn>
            <Cd>AC02</Cd>
          </Rsn>
        </StsRsnInf>
      </TxInfAndSts>
    </OrgnlPmtInfAndSts>
  </CstmrPmtStsRpt>
</Document>

Tools for this code

Decode a real status report, or check a payment file before you send it — all in your browser, nothing uploaded.

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