수취인 계좌는 형식상 유효하지만 폐쇄되어 더 이상 자금을 받을 수 없습니다.
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.
수취인에게 연락하여 현재 유효한 계좌 정보를 받아 재전송하세요.
Track your payment by UETR — free on Ohmyfin: SWIFT 추적기
→ Full AC04 reference (English)