受益人IBAN或账户号码无效，或在接收银行不存在。
AC01 is the most common SWIFT reject code. It means the account number provided (usually an IBAN) either fails the check-digit validation or does not match any account at the beneficiary bank.
Most AC01 rejections are caused by a single transposed digit in the IBAN. The IBAN check-digit algorithm catches many of these before the payment even leaves the bank — but not all errors are caught at entry.
Funds are returned within 2–5 business days. Get the correct IBAN directly from the beneficiary's bank statement or account-opening letter before resending.
从受益人的银行对账单获取正确的IBAN，使用IBAN验证工具核对后重新汇款。
Track your payment by UETR — free on Ohmyfin: SWIFT 追踪器
→ Full AC01 reference (English)