Last reviewed: · Curated by Ohmyfin Organisation editorial.
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.
Details
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/{code} 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?
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.
Is Ohmyfin tracking free?
Yes. Public UETR tracking on Ohmyfin is free, with 10 free scans per IP per day for individuals worldwide and 100 free credits when you sign up.
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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