R13 - Invalid ACH Routing Number
The routing number in the entry is not a valid ACH-participating routing number, so the entry cannot be delivered. Note this is the modern meaning; pre-2015 references sometimes gloss R13 as 'RDFI not qualified to participate'.
R13 - Invalid ACH Routing Number
The routing number in the entry is not a valid ACH-participating routing number, so the entry cannot be delivered. Note this is the modern meaning; pre-2015 references sometimes gloss R13 as 'RDFI not qualified to participate'. This rejection is recoverable: correct the cause and the same payment can be resubmitted.
What this code means
The routing number in the entry is not a valid ACH-participating routing number, so the entry cannot be delivered. Note this is the modern meaning; pre-2015 references sometimes gloss R13 as 'RDFI not qualified to participate'.
Typical causes
- Customer supplied a wire routing number instead of the ACH routing number
- Routing number retired after a bank merger
- Typo producing a syntactically valid but unassigned routing number
What to do
Correct the routing number (validate the 9-digit ABA check digit and confirm the institution participates in ACH) and re-send. Not a reinitiation.
What it looks like in an ACH return
The return arrives as an Addenda Record (type 99), 94 characters wide. The return reason code sits in positions 4-6.
799R13091000010000001 09100001 091000019000001Tools for this code
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Related codes
Source: Nacha ISO 20022 mapping guide + Federal Reserve ACH Return Reason Report + US Treasury Green Book · Last verified: 2026-07-13
Checked against: nacha.org · frbservices.org