Cause

The beneficiary bank account exists but has been disabled.

Partner action

Use an active bankAccountId, or re-register the beneficiary IBAN.

Gando action (internal)

Check beneficiary_bank_accounts.status for the account.

Example response

{
  "error": {
    "code": "bank_account_disabled",
    "message": "Beneficiary bank account is disabled",
    "requestId": "req_abc123"
  }
}