diff --git a/rest_framework_simplejwt/serializers.py b/rest_framework_simplejwt/serializers.py
index 3dc318687..d7c1d99dd 100644
--- a/rest_framework_simplejwt/serializers.py
+++ b/rest_framework_simplejwt/serializers.py
@@ -5,7 +5,7 @@
 from django.contrib.auth.models import AbstractBaseUser, update_last_login
 from django.utils.translation import gettext_lazy as _
 from rest_framework import exceptions, serializers
-from rest_framework.exceptions import ValidationError
+from rest_framework.exceptions import ValidationError, AuthenticationFailed
 
 from .models import TokenUser
 from .settings import api_settings
@@ -104,9 +104,21 @@ class TokenRefreshSerializer(serializers.Serializer):
     access = serializers.CharField(read_only=True)
     token_class = RefreshToken
 
+    default_error_messages = {
+        "no_active_account": _("No active account found with the given credentials")
+    }
+
     def validate(self, attrs: Dict[str, Any]) -> Dict[str, str]:
         refresh = self.token_class(attrs["refresh"])
 
+        user_id = refresh.payload.get(api_settings.USER_ID_CLAIM, None)
+        if user_id and (user := get_user_model().objects.get(**{api_settings.USER_ID_FIELD: user_id})):
+            if not api_settings.USER_AUTHENTICATION_RULE(user):
+                raise AuthenticationFailed(
+                    self.error_messages["no_active_account"],
+                    "no_active_account",
+                )
+
         data = {"access": str(refresh.access_token)}
 
         if api_settings.ROTATE_REFRESH_TOKENS:
diff --git a/rest_framework_simplejwt/tokens.py b/rest_framework_simplejwt/tokens.py
index 0a2629500..078f4346d 100644
--- a/rest_framework_simplejwt/tokens.py
+++ b/rest_framework_simplejwt/tokens.py
@@ -247,20 +247,8 @@ class BlacklistMixin(Generic[T]):
         def verify(self, *args, **kwargs) -> None:
             self.check_blacklist()
 
-            self.check_user_active()
-
             super().verify(*args, **kwargs)  # type: ignore
 
-        def check_user_active(self):
-            user_id = self.payload.get(api_settings.USER_ID_CLAIM, None)
-            if (
-                user_id
-                and not get_user_model()
-                .objects.get(**{api_settings.USER_ID_FIELD: user_id})
-                .is_active
-            ):
-                raise TokenError(_("User is inactive"))
-
         def check_blacklist(self) -> None:
             """
             Checks if this token is present in the token blacklist.  Raises