When a SWIFT payment is rejected, the bank returns an ISO 20022 reason code that explains why. These pages explain each code in plain language — what caused it, what it means, and the exact fix.
| Code | Name | Meaning |
|---|---|---|
RJCT | Rejected | The payment has been rejected by a bank in the chain. Funds are being returned to the sender. |
AC01 | Incorrect Account Number | The beneficiary IBAN or account number is invalid or does not exist at the receiving bank. |
AC04 | Closed Account | The beneficiary's account exists in format but has been closed and can no longer receive funds. |
AC06 | Blocked Account | The beneficiary's account is open but has been blocked — usually for regulatory, AML, or sanctions reasons. |
FF01 | Invalid File Format | A structural or formatting error in the payment message prevented the receiving bank from processing it. |
FOCR | Return Following Cancellation Request | The payment is being returned because a recall / cancellation request was accepted by the receiving bank. |
CNOR | Creditor Bank Not Registered | The BIC of the beneficiary's bank is not registered in the payment scheme — it may be expired or discontinued. |
DNOR | Debtor Bank Not Registered | The BIC of the sender's bank is not registered in the payment scheme — a configuration issue at the sender's bank. |
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→ Full reject-codes reference (English)