SEPA / ISO 20022 reject code
AM04
Insufficient funds
Error
SCT Reject/ReturnSCT Inst (negatives)Recall (request)RFRO (request)
CFONB 20
Meaning
The account to be debited does not hold enough funds to execute the transaction.
Insufficient funds, in whole or in part. Applies to returns for SCT, and to negative responses to the Recall and RFRO procedures.
Common causes
Resolution
Other reasons in the same family