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What does the SWIFT reject code FF01 mean?
Ohmyfin 답변: What does the SWIFT reject code FF01 mean?
Ohmyfin의 답변은 아래에 있습니다 (영어).
FF01 means 'Invalid File Format'. The payment message contains a structural, format, or schema validation error that prevents the receiving bank from processing it. It is a technical rejection — the payment data is syntactically wrong, not the beneficiary details. The sender's bank must correct the message and resend.
FF01 is an ISO 20022 ExternalReturnReason1Code. Banks see it when an incoming pacs.008 or MT103 message fails structural validation — for example, a mandatory field is missing, a date is in the wrong format, a BIC has the wrong number of characters, or an IBAN fails the check-digit algorithm.
Common triggers: a mandatory <UETR> element missing or malformed in pacs.008; an MT103 with a date in field 32A that doesn't match YYMMDD format; an IBAN field in field 59 with a non-standard character; or a BIC that doesn't conform to the 8 or 11-character structure.
What to do: the rejection is entirely on the sender's bank. You (as customer) should contact your bank, quote the UETR and the FF01 code, and ask them to correct the outgoing message format and resend. This is a bank error, not yours. Funds will be returned within 2-5 business days.
FF01 = Invalid File Format — technical/structural error in the payment message
Caused by malformed fields, wrong date formats, invalid IBAN check digits
This is the sender's bank's error — not a problem with your account details
Ask the bank to correct the message format and resend
Funds return in 2-5 business days
What does the SWIFT reject code FF01 mean?
FF01 means 'Invalid File Format'. The payment message contains a structural, format, or schema validation error that prevents the receiving bank from processing it. It is a technical rejection — the payment data is syntactically wrong, not the beneficiary details. The sender's bank must correct the message 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.
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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.