AC04

Closed Account

A conta do beneficiário é válida em formato mas foi encerrada e não pode receber fundos.

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

Contacte o beneficiário para obter os dados bancários atuais e reenvie o pagamento.

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

→ Full AC04 reference (English)