AM04: Insufficient funds
SEPA return code AM04 — belongs to the AM group (fondos).
TL;DR
- Meaning: Insufficient funds.
- Category: Fondos.
- Common cause: the debtor’s account lacks balance at debit time.
- How to fix it: retry after a few days or contact the debtor. the most common return; usually resolves on retry.
- Bank fee? Typically yes (depends on your bank contract).
When it appears
The debtor’s account lacks balance at debit time.
How to fix it
Retry after a few days or contact the debtor. The most common return; usually resolves on retry.
XML example
This code lives inside the <RsnInf> block of the return message (pain.002 or camt.054):
<Rtr>
<RsnInf>
<Rsn>
<Cd>AM04</Cd>
</Rsn>
<AddtlInf>Return because of insufficient funds</AddtlInf>
</RsnInf>
</Rtr>
Prevention
Before sending the batch to your bank, validate it with our SEPA XML Validator. Catch the errors your ERP misses and reduce AM-type returns.
Conclusion
AM04 is a fondos type return. Follow the steps above to fix and re-issue.
