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AC01L'IBAN o il numero di conto del beneficiario non è valido o non esiste presso la banca ricevente.
AC01 is the most common SWIFT reject code. It means the account number provided (usually an IBAN) either fails the check-digit validation or does not match any account at the beneficiary bank.
Most AC01 rejections are caused by a single transposed digit in the IBAN. The IBAN check-digit algorithm catches many of these before the payment even leaves the bank — but not all errors are caught at entry.
Funds are returned within 2–5 business days. Get the correct IBAN directly from the beneficiary's bank statement or account-opening letter before resending.
Richiedere l'IBAN corretto all'estratto conto del beneficiario e verificarlo prima di inviare.
Track your payment by UETR — free on Ohmyfin: Tracker SWIFT
→ Full AC01 reference (English)