AC04

Closed Account

Il conto del beneficiario è formalmente valido ma è stato chiuso e non può ricevere fondi.

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

Contattare il beneficiario per i dati bancari attuali e reinviare il pagamento.

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

→ Full AC04 reference (English)