ISO 20022 · Return reason

AM04Insufficient Funds

Registered in sourceSource release: August 2026 (v3)

Published definition

Amount of funds available to cover specified message amount is insufficient.

Code set and usage

Return reason contains 104 registered codes. Its exact identifier is ExternalReturnReason1Code.

Specifies the return reason, as published in an external return reason code list. External code sets can be downloaded from www.iso20022.org.

Use the code with the applicable message version and implementation guide. A matching code value alone does not establish the same meaning in another set.

View 59 published message references

This code in other sets 2

These share the characters AM04. Their meanings belong to their respective sets.