The account number you are trying to debit is incorrect or unknown. Check your customer’s account number, correct it, and submit your direct debit transaction again.
Error code AC01
"}},{"title":"AC04 - Account closed","richBody":{"value":"The customer’s account number has been closed. Contact your customer to discuss an alternative way to make the payment.
Error code AC04
"}},{"title":"AC06 - Account blocked","richBody":{"value":"The account you are trying to debit is blocked for direct debit transactions. This block may have been set by your customer or by your customer’s bank. Contact your customer to arrange an alternative payment method.
Error code AC06
"}},{"title":"AG01 - Direct debit forbidden on this account","richBody":{"value":"You cannot collect a direct debit from this account, for example because it is a savings account. Contact your customer to arrange an alternative payment method.
Error code AG01
"}},{"title":"AG02 - Invalid bank transaction code (incorrect sequence type)","richBody":{"value":"You used an incorrect sequence type. The sequence type indicates whether a direct debit is a one‑off or recurring and must match the mandate you received from your customer. A One‑off (OOFF) may only be used once per mandate reference; for multiple collections with the same mandate, use Recurrent (RCUR).
Error code AG02
"}},{"title":"AM04 – Insufficient funds","richBody":{"value":"Your customer did not have sufficient funds in their account at the time of the direct debit. Contact your customer to arrange an alternative payment method.
Error code AM04
"}},{"title":"MD01 – No valid mandate","richBody":{"value":"Standard Direct Debit (CORE)
This error code may appear for two reasons:
Business Direct Debit (B2B)
This error code may appear for four reasons:
The mandate has expired because no direct debit collections have been submitted for 36 months.
You will need a new mandate from your customer.
No mandate exists, or the mandate has been cancelled.
Ask your customer to provide a new valid mandate.
Error code MD01
"}},{"title":"MD02 - Mandate information incomplete or incorrect","richBody":{"value":"One possible cause is that the mandate date in your direct debit file is set in the future. Adjust this date to the actual date on which you obtained the mandate from your customer.
Error code MD02
"}},{"title":"MD06 – Refund at customer’s request","richBody":{"value":"Your customer has reversed the direct debit within the allowed period of 56 days. Contact your customer to discuss why the direct debit was reversed and how the payment can still be completed.
Error code MD06
"}},{"title":"MS02 – Direct debit rejected by customer","richBody":{"value":"Your customer rejected the direct debit before the processing date. Contact your customer to discuss the reason for the rejection and how the payment can still be completed.
Foutcode MS02
"}},{"title":"MS03 – Onbekende reden bank","richBody":{"value":"The direct debit was rejected by your customer’s bank without a specified reason. In practice, this may happen for example when there are insufficient funds. Contact your customer to discuss how the payment can still be completed.
Error code MS03
"}},{"title":"SL01 – Specific service offered by the debtor’s bank","richBody":{"value":"The direct debit was rejected by your customer’s bank. Possible reasons include:
Contact your customer to discuss how the payment can still be completed.
"}}]},{"componentType":"sectionTitle","title":"Chargeback fee for foreign direct debits"},{"componentType":"paragraph","richBody":{"value":"In some cases, a foreign bank charges additional costs when a direct debit is reversed. We refer to this as a chargeback fee. ING passes these costs on to you.
The fee may apply if a foreign direct debit is reversed, for example because the direct debit was refunded or because there were insufficient funds.
When a foreign direct debit is reversed, we debit the original direct debit amount including the chargeback fee from your business account as one single amount.
This is because the foreign bank includes the costs directly in the reversal.
You will find the total amount and the costs in your standard reports, such as MT940 and CAMT.053, which you can use for your accounting.
"}},{"componentType":"linkList","iconTitle":{"title":"Payments"},"textLinks":[{"url":"/en/business/accepting-payments","text":"Accepting payments"},{"url":"/zakelijk/betalen/betalingen-doen","text":"Executing payments"},{"url":"/en/business/payments/cash","text":"Cash withdrawal and deposit"}]}]}}}