SWIFT Reject Reason Codes — AC01, AC04, BE01, RR04 & Full ISO 20022 Reference | Ohmyfin

Last reviewed: · Curated by Ohmyfin Organisation editorial.

When a SWIFT payment is rejected, the bank returns an ISO 20022 reason code. These pages explain each code in plain English — what triggered it, why it happened, and the exact fix.

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A–Z index — 25 entries

AC01 — IncorrectAccountNumber AC01 (IncorrectAccountNumber): The beneficiary account number is incorrect or does not exist. What it means, why your SWIFT payment was rejected, and how to fix AC04 — ClosedAccountNumber AC04 (ClosedAccountNumber): The beneficiary account exists but has been closed. What it means, why your SWIFT payment was rejected, and how to fix it. Free refe AC06 — BlockedAccount AC06 (BlockedAccount): The beneficiary account is blocked. What it means, why your SWIFT payment was rejected, and how to fix it. Free reference on Ohmyfin. AG01 — TransactionForbidden AG01 (TransactionForbidden): Transaction is forbidden on this type of account. What it means, why your SWIFT payment was rejected, and how to fix it. Free refer AG02 — InvalidBankOperationCode AG02 (InvalidBankOperationCode): The transaction-type code is invalid for this corridor. What it means, why your SWIFT payment was rejected, and how to fix it. AM01 — ZeroAmount AM01 (ZeroAmount): The payment amount is zero. What it means, why your SWIFT payment was rejected, and how to fix it. Free reference on Ohmyfin. AM02 — NotAllowedAmount AM02 (NotAllowedAmount): The amount exceeds an allowed limit. What it means, why your SWIFT payment was rejected, and how to fix it. Free reference on Ohmyfin. AM05 — Duplication AM05 (Duplication): The bank detected a duplicate of an earlier payment. What it means, why your SWIFT payment was rejected, and how to fix it. Free reference o BE01 — InconsistentWithEndCustomer BE01 (InconsistentWithEndCustomer): The end-customer details do not match the account holder. What it means, why your SWIFT payment was rejected, and how to fix BE05 — UnrecognisedInitiatingParty BE05 (UnrecognisedInitiatingParty): The receiving bank does not recognise the initiating party. What it means, why your SWIFT payment was rejected, and how to f BE06 — UnknownEndCustomer BE06 (UnknownEndCustomer): The end-customer is unknown to the beneficiary bank. What it means, why your SWIFT payment was rejected, and how to fix it. Free refe CD01 — ChequeSettlementFailure CD01 (ChequeSettlementFailure): Underlying cheque/draft failed to settle. What it means, why your SWIFT payment was rejected, and how to fix it. Free reference CH09 — ChargesRequest CH09 (ChargesRequest): Charges instruction is missing or invalid. What it means, why your SWIFT payment was rejected, and how to fix it. Free reference on Ohmyf DT04 — InvalidProcessingDate DT04 (InvalidProcessingDate): The requested processing/value date is invalid. What it means, why your SWIFT payment was rejected, and how to fix it. Free refere FF01 — InvalidFileFormat FF01 (InvalidFileFormat): The message format is invalid. What it means, why your SWIFT payment was rejected, and how to fix it. Free reference on Ohmyfin. FF05 — InvalidLocalInstrumentCode FF05 (InvalidLocalInstrumentCode): Local instrument code is invalid. What it means, why your SWIFT payment was rejected, and how to fix it. Free reference on Oh FF07 — InvalidPurpose FF07 (InvalidPurpose): The purpose code is invalid for this corridor. What it means, why your SWIFT payment was rejected, and how to fix it. Free reference on O FOCR — FollowingCancellationRequest FOCR (FollowingCancellationRequest): Returned because the originator requested cancellation. What it means, why your SWIFT payment was rejected, and how to fix MS02 — NotSpecifiedReasonCustomerGenerated MS02 (NotSpecifiedReasonCustomerGenerated): Generic rejection — the customer requested cancellation without a specific reason. What it means, why your SWIFT pay MS03 — NotSpecifiedReasonAgentGenerated MS03 (NotSpecifiedReasonAgentGenerated): Generic rejection — agent rejected without disclosing the reason. What it means, why your SWIFT payment was rejected, a NARR — Narrative NARR (Narrative): Reason is described in narrative free text rather than a code. What it means, why your SWIFT payment was rejected, and how to fix it. Free ref RR01 — MissingDebtorAccountOrIdentification RR01 (MissingDebtorAccountOrIdentification): Missing or invalid debtor (originator) account or ID. What it means, why your SWIFT payment was rejected, and how t RR02 — MissingDebtorNameOrAddress RR02 (MissingDebtorNameOrAddress): Missing or insufficient debtor name/address. What it means, why your SWIFT payment was rejected, and how to fix it. Free refe RR03 — MissingCreditorNameOrAddress RR03 (MissingCreditorNameOrAddress): Missing or insufficient creditor (beneficiary) name/address. What it means, why your SWIFT payment was rejected, and how to RR04 — RegulatoryReason RR04 (RegulatoryReason): Rejection driven by regulatory requirements. What it means, why your SWIFT payment was rejected, and how to fix it. Free reference on O
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