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What does the SWIFT reject code AC04 mean?
Ohmyfin 답변: What does the SWIFT reject code AC04 mean?
Ohmyfin의 답변은 아래에 있습니다 (영어).
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AC04 = Closed Account (account valid in format but no longer active)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.
Is Ohmyfin tracking really free?
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.
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Ohmyfin은 무료인가요?
네, UETR로 SWIFT 결제를 추적하는 것은 등록 없이 무료입니다. 계정을 만들면 일별 이력과 추가 무료 크레딧을 이용할 수 있습니다.
UETR 번호란 무엇인가요?
UETR(고유 종단 간 거래 참조)은 모든 SWIFT GPI 결제에 할당된 36자리 UUID로, 전체 환거래 은행 체인을 통해 추적하는 데 사용됩니다.
SWIFT 송금은 얼마나 걸리나요?
대부분의 SWIFT GPI 결제는 24시간 이내에 완료됩니다. 국제 송금은 중개 은행과 통화에 따라 1-5 영업일이 소요될 수 있습니다.