AC06 — BlockedAccount

Last reviewed: 2026-05-01 · Curated by Ohmyfin Organisation editorial.

AC06 (BlockedAccount) is an ISO 20022 ExternalReturnReason code used in pacs.002 / MT103 STP rejection messages on the SWIFT network. The beneficiary account is blocked.

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Details

Why it happens: Bank-imposed block — usually compliance, sanctions screening, fraud investigation or court order.

How to fix it: The beneficiary must contact their bank to unblock; the payment will be returned in the meantime.

When a bank rejects a SWIFT payment with AC06, you usually receive the code along with an MT103-STP, MT n96, or pacs.002 message. Your bank may relay the code to you with a plain-English explanation. If they don't, paste your UETR into the Ohmyfin tracker — the rejection status will show in the SWIFT GPI feed.

AC06 is part of the global ExternalReturnReason1Code code set maintained by ISO 20022. The same code is used by SWIFT, SEPA, FedNow, TARGET2 and most modern payment rails worldwide.

Key facts

Code: AC06
Full name: BlockedAccount
Standard: ISO 20022 ExternalReturnReason1Code
Carried in: pacs.002, MT103 STP rejection, MT n96
Visible on Ohmyfin: yes — paste your UETR to see the full rejection trail

Frequently asked questions

What does SWIFT reject code AC06 mean?

The beneficiary account is blocked.

How do I fix a AC06 rejection?

The beneficiary must contact their bank to unblock; the payment will be returned in the meantime.

Will I get my money back after a AC06 rejection?

Yes. SWIFT rejections automatically return the funds to the originator's account, usually within 1–5 business days. Some banks credit immediately; others wait for the actual return wire.

Can I re-send the same payment after AC06?

Yes — once you fix the underlying issue, you can re-send with a new UETR. Do NOT re-send with the same UETR; that triggers AM05 (Duplication).

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SWIFT, SWIFTNet, SWIFT GPI, SWIFT Go, UETR, BIC, MT, MX, FIN, pacs.008, pacs.009, camt, ISO 20022 and related message-type identifiers, codes and logos are trademarks, service marks or registered marks of Society for Worldwide Interbank Financial Telecommunication SCRL (S.W.I.F.T. SC), with registered office at Avenue Adèle 1, 1310 La Hulpe, Belgium, and/or ISO 20022 Registration Authority. IBAN is published under ISO 13616. Visa, Mastercard, SEPA, Fedwire, FedNow, CHAPS, TARGET2, RTGS and all bank names, brand names, BIC codes and logos referenced on this site are the property of their respective owners and are used purely for descriptive and reference purposes under nominative fair use.

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AC06 — BlockedAccount

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