Swift reason codes

Learn more about Swift reason codes


CodeNameWhat to do
AC01IncorrectAccountNumberThe beneficiary account number is invalid. Get the correct account details from the beneficiary and send a new payment.
AC04ClosedAccountNumberThe beneficiary account is closed. Contact the beneficiary for updated account details.
AC06BlockedAccountThe beneficiary account is blocked. Contact the beneficiary to resolve the block.
AG01TransactionForbiddenThe account does not accept this type of payment. Check the account type with the beneficiary.
AG02InvalidBankOperationCodeThe bank operation code is invalid. Correct the bank operation code and send a new payment.
AM02NotAllowedAmountThe amount exceeds a limit. Check the limit with the correspondent bank.
AM03NotAllowedCurrencyThe bank does not accept the currency. Use a currency the beneficiary bank supports.
AM04InsufficientFundsThe account does not have enough funds. Check the funding of the account that pays for the payment.
AM05DuplicationThe bank detected a duplicate. Check whether the original payment succeeded before you send it again.
BE01InconsistentWithEndCustomerThe identification does not match the account holder. Check the beneficiary name and account.
BE04MissingCreditorAddressThe beneficiary address is missing. Add the address and send a new payment.
RC01BankIdentifierIncorrectThe BIC is invalid. Correct the beneficiary bank identifier and send a new payment.
RR01MissingDebtorAccountOrIdentificationDebtor account or identification is missing. Add the missing data and send a new payment.
RR02MissingDebtorNameOrAddressDebtor name or address is missing. Add the missing data and send a new payment.
RR03MissingCreditorNameOrAddressBeneficiary name or address is missing. Add the missing data and send a new payment.
RR04RegulatoryReasonThe bank rejected the payment for a regulatory reason. Contact the correspondent bank.
DUPLDuplicatePaymentThe bank received the payment twice. Check the status of the original payment.
TECHTechnicalProblemThe bank had a technical problem. Contact the correspondent bank before you retry.
NARRNarrativeThe bank explains the reason in text. Read the additional information on the payment.