Banking Error Code
Banking / ACH / Payment Failures
Bank System / Generic (User-Facing Status Messages)

Account restricted | Account permissions limited

Industry
Banking
Canonical
/banking/error-codes/account-restricted/
Last Updated
Feb 25, 2026
Summary

This status indicates the account has restrictions that limit certain transactions or actions.

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What This Code Means

“Account restricted” indicates that the bank or platform has applied limitations to the account that prevent certain activities from being completed. Restrictions can be triggered by compliance requirements, risk controls, unresolved verification, policy enforcement, or administrative conditions. The restriction may apply only to specific actions (such as outgoing transfers) while other functions remain available. This status communicates permission constraints, not a specific transaction error like invalid amount or timeout. It does not automatically mean the account is closed or permanently disabled; it indicates that current permissions are reduced.

Where Users Usually See This Code

  • When attempting to send transfers, add payees, or initiate payments
  • In account settings or status banners
  • In support or admin logs summarizing account eligibility

Why This Code Appears

  • Compliance or verification requirements are not satisfied
  • Risk controls flagged account activity for restriction
  • Policy rules limit actions based on account standing or usage patterns
  • Administrative review or account state change is in effect

What Typically Happens Next

  • Restricted actions are blocked and may display a generic restriction message
  • The account may remain accessible for viewing balances and history
  • The platform may require resolution steps through official channels before restoring full access

What This Code Is Not

  • It is not a funds availability statement
  • It is not the same as a system malfunction or outage
  • It is not a guarantee that the restriction will lift automatically

Troubleshooting Checklist

  • Review any account notices or status messages shown in the platform
  • Confirm whether the restriction applies to one transaction type or multiple
  • Document the timing and affected features for support reference
  • Contact official support if the restriction prevents normal account use or persists

Notes And Edge Cases

Restriction scope can vary from narrow (only international transfers) to broad (multiple outgoing actions blocked). Some systems apply temporary restrictions during unusual activity periods, and users may see restrictions appear after repeated failed attempts. “Restricted” statuses are often intentionally non-specific in user-facing views. The most reliable details are typically available through the bank’s official support pathways and account notices.

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