SWIFT Payment Rejected — Reading the Reason Code

Every SWIFT rejection (status RJCT) carries an ISO 20022 ExternalReturnReason code: AC01 (wrong account), AC04 (closed account), AC06 (blocked), BE01 (name mismatch), BE05 (originator unknown), CH09 (charges issue), FF01 (format error), RR01–04 (missing data), RR04 (regulatory), and ~20 others. Look up the code at /reject-codes for an explanation and fix.

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1UETR (Unique End-to-End Transaction Reference) What is a UETR?

36-character UUID from your MT103 field 121 or pacs.008 <UETR> tag. Where to find it →

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Step-by-step:

1. Get the reason code from your bank or from the pacs.002 / MT103-STP rejection message.

2. Look up the code at /reject-codes on Ohmyfin for plain-English meaning and fix.

3. Fix the underlying issue (e.g. correct the IBAN for AC01, get a new account for AC04, add purpose code for FF07).

4. Re-issue the payment with a NEW UETR — never reuse the rejected UETR (triggers AM05 Duplication).

5. Track the new UETR on Ohmyfin to confirm successful settlement.

Quick facts:

Key facts

Every RJCT comes with at least one reason code.
Funds return automatically — usually 1–5 business days.
Some rejections (RR04 regulatory) cannot be fixed by re-sending; the corridor is closed.
Full reference: /reject-codes

Frequently asked questions

My SWIFT payment was rejected — how do I know why?

Is Ohmyfin tracking free?

Yes. Public UETR tracking on Ohmyfin is free — 10 free trackings per day per IP address with no signup, or 15/day plus 100 welcome credits after a free account; no card required.

Do I need a bank account at the sending bank?

No. Ohmyfin looks up the SWIFT payment status with just the UETR — no bank login or account required.

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SWIFT, SWIFTNet, SWIFT GPI, SWIFT Go, UETR, BIC, MT, MX, FIN, pacs.008, pacs.009, camt, ISO 20022 and related message-type identifiers, codes and logos are trademarks, service marks or registered marks of Society for Worldwide Interbank Financial Telecommunication SCRL (S.W.I.F.T. SC), with registered office at Avenue Adèle 1, 1310 La Hulpe, Belgium, and/or ISO 20022 Registration Authority. IBAN is published under ISO 13616. Visa, Mastercard, SEPA, Fedwire, FedNow, CHAPS, TARGET2, RTGS and all bank names, brand names, BIC codes and logos referenced on this site are the property of their respective owners and are used purely for descriptive and reference purposes under nominative fair use.

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We are not a bank, money-services business, payment institution, electronic-money issuer or settlement agent. We do not hold, transfer, send, receive, custody or settle funds. We do not initiate, modify, cancel, recall or release SWIFT or ISO 20022 payment messages. Information returned by our tools is provided on an “as-is” basis for informational and convenience purposes only and does not constitute financial, legal, regulatory or compliance advice. For binding confirmation, settlement status, value-date confirmation, refunds, recalls, investigations or any official record of a payment, customers must always contact their bank or licensed payment service provider directly.

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SWIFT Payment Rejected — Reading the Reason Code

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