AC04

Closed Account

Das Konto des Empfängers ist formal gültig, wurde aber geschlossen und kann keine Gelder mehr empfangen.

AC04 means the IBAN is structurally valid and was once a real account, but the account has since been closed. The beneficiary may have changed banks or closed the account deliberately.

Contact the beneficiary and ask for their current active account details. Update your payment records and resend once you have the new IBAN.

How to fix AC04

Kontaktieren Sie den Empfänger für aktuelle Bankverbindungsdaten und überweisen Sie erneut.

Track your payment by UETR — free on Ohmyfin: SWIFT-Tracker

→ Full AC04 reference (English)