Ohmyfin odpowiada: What does the SWIFT reject code AC06 mean?
Odpowiedź Ohmyfin poniżej (po angielsku).
AC06 means 'Blocked Account'. The beneficiary's account exists and is open, but is blocked by the bank — usually for regulatory, AML, sanctions, or court-order reasons. The payment is rejected and funds are returned. This code is more sensitive than AC01 or AC04 and may indicate a compliance issue.
AC06 is an ISO 20022 ExternalReturnReason1Code indicating that the beneficiary account is frozen, blocked, or restricted by the beneficiary bank. Unlike AC01 (wrong number) or AC04 (closed), AC06 means the account is identified and open, but cannot receive funds due to a hold placed by the bank or a regulator.
Common triggers: the beneficiary is under investigation for fraud, money laundering, or sanctions violations; a court has placed a freezing order on the account; the bank has placed a temporary hold during an identity verification (KYC) re-check; or the account is blocked because it is dormant under local banking law.
What to do: the sender cannot resolve this directly. The beneficiary must contact their own bank to understand why the account is blocked and resolve the underlying issue. If the block is sanctions-related, funds may be frozen and held pending regulatory instruction.
In all cases, track the UETR on Ohmyfin to confirm the RJCT / AC06 status and that funds are being returned (or held, in the sanctions case).
AC06 = Blocked Account (account exists and is open but cannot receive funds)
Common triggers: sanctions/AML hold, court order, KYC re-check, dormancy
Beneficiary must resolve the block with their own bank
Sanctions-related blocks may result in funds being frozen, not returned
Track UETR on Ohmyfin to confirm rejection status
What does the SWIFT reject code AC06 mean?
AC06 means 'Blocked Account'. The beneficiary's account exists and is open, but is blocked by the bank — usually for regulatory, AML, sanctions, or court-order reasons. The payment is rejected and funds are returned. This code is more sensitive than AC01 or AC04 and may indicate a compliance issue.
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.
Ohmyfin odpowiada
Czy Ohmyfin jest bezpłatny?
Tak, śledzenie płatności SWIFT po UETR jest bezpłatne bez rejestracji. Konto daje dostęp do dziennej historii i dodatkowych bezpłatnych kredytów.
Co to jest numer UETR?
UETR (Unikalny End-to-End Identyfikator Transakcji) to 36-znakowy UUID przypisany do każdej płatności SWIFT GPI do śledzenia przez cały łańcuch korespondentów.
Ile trwa przelew SWIFT?
Większość płatności SWIFT GPI jest realizowana w ciągu 24 godzin; przelewy transgraniczne mogą trwać 1-5 dni roboczych w zależności od banków pośredniczących i waluty.