AC04

Closed Account

Konto odbiorcy jest formalnie poprawne, ale zostało zamknięte i nie może przyjmować środków.

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.

How to fix AC04

Skontaktuj się z odbiorcą w celu uzyskania aktualnych danych bankowych i wyślij ponownie.

Track your payment by UETR — free on Ohmyfin: Tracker SWIFT

→ Full AC04 reference (English)