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ISO 20022 reason code

AC05: Closed debtor account number

The debtor account is closed. AC05 is an ISO 20022 reason code used as a status reason: you will see it in pain.002.

AC05 at a glance
CodeAC05
NameClosed debtor account number
ISO code listsExternalStatusReason1Code (status reason)
WhereStsRsnInf/Rsn/Cd

What AC05 means

The debtor’s account is closed. Mostly seen on direct debits, where the payer has moved banks since signing the mandate; on a credit transfer it means the account you asked your own bank to debit is closed.

Not to be confused with: AC05 names the debtor’s side; AC04 is a closed account on either side and AC07 the creditor’s. A payer who has died is reported as MD07 instead.

A reason code always comes with a status or an action: on its own it says why, not what happened. In a status report look at the status next to it (RJCT means the payment will not be executed); on a statement the returned entry tells you the money has come back.

Where AC05 appears

AC05 belongs to one of the ISO 20022 reason code lists, so it can arrive in this place:

  • Status reason (ExternalStatusReason1Code): in a payment status report (pain.002 from a bank to its customer, pacs.002 between banks) that rejects or holds a payment.

In a status report, AC05 explains a status such as RJCT, at transaction level here (the same StsRsnInf block can sit under the group or a payment block):

pain.002.001.10 · a rejected transaction
<OrgnlPmtInfAndSts>
  <OrgnlPmtInfId>PMT-20261028-03</OrgnlPmtInfId>
  <TxInfAndSts>
    <OrgnlEndToEndId>INV-2026-0042</OrgnlEndToEndId>
    <TxSts>RJCT</TxSts>
    <StsRsnInf>
      <Rsn>
        <Cd>AC05</Cd>
      </Rsn>
      <AddtlInf>Free text from the bank, if any</AddtlInf>
    </StsRsnInf>
  </TxInfAndSts>
</OrgnlPmtInfAndSts>

What to do about AC05

  • If you sent the payment or the collection: Ask the payer for their new account. Do not collect again from the closed account: every attempt comes back the same way. Under the SEPA direct debit schemes a mandate can move with the payer to an account at another bank, as an amendment the next collection reports; your bank’s guide shows how.

Your bank’s implementation guide and the scheme’s rulebook (for SEPA, the EPC rulebooks) say exactly when it may use AC05; banks do not all apply a code the same way.

Look up AC05 from a script or an AI agent

Scripts and AI agents get this code’s name, definition, where it sits and the address of this page from GET /api/v1/explain, keyless, or from the explain_code tool of the MCP server (API and MCP docs; add it to Claude, Cursor or VS Code).

REST · curl
curl -s 'https://iso20022-navigator.com/api/v1/explain?code=AC05&kind=status_reason'