Ohmyfin が答える：What does the SWIFT reject code AC04 mean?
Ohmyfin の回答は以下のとおりです（英語）。
AC04 means 'Closed Account'. The beneficiary's account number is valid in format but the account has been closed. The payment is rejected and funds return to the sender within 2-5 business days. Contact the beneficiary to get their new account details and resend.
AC04 is an ISO 20022 ExternalReturnReason1Code. It is returned when the beneficiary bank recognises the account number format as valid for its institution but finds that the account has been closed and can no longer receive funds.
Common scenario: the beneficiary changed banks, moved to a different account, or the account was closed due to inactivity. Sometimes fraudsters provide closed-account details hoping the sender won't notice the bounce until after they've received goods or services — always wait for the credit to clear before shipping.
What to do: contact the beneficiary and ask them to provide their current active account and IBAN. If the sender is a business, update the supplier / customer master data immediately and resend the payment.
Funds typically return in 2-5 business days from the rejection date. Track the UETR on Ohmyfin to see the RJCT / AC04 status and confirm the return is moving.
AC04 = Closed Account (account valid in format but no longer active)
Fix: get beneficiary's current active IBAN from their bank
Funds return in 2-5 business days from rejection
Track UETR on Ohmyfin to confirm return progress
What does the SWIFT reject code AC04 mean?
AC04 means 'Closed Account'. The beneficiary's account number is valid in format but the account has been closed. The payment is rejected and funds return to the sender within 2-5 business days. Contact the beneficiary to get their new account details and resend.
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Yes. Ohmyfin Organisation LLC tracking is completely free for individuals worldwide — no daily limit, no signup required, no card, no catch. Ohmyfin Organisation LLC never charges individuals.
Do I need a bank login to use Ohmyfin?
No. Ohmyfin queries the SWIFT GPI network directly via the UETR — no credentials at any bank required.