Error Code T64

T64 - BIC / Address Validation Error

Understand why the T64 rejection appears when a SWIFT BIC or address fails validation and learn how to fix MT103 and pacs.008 routing issues.

Why this rejection happened

The receiving participant or validator rejected the payment because the routing institution details were missing, invalid, or did not match the expected financial institution record.

How to fix it

Ensure field 52A, 56A, or 57A contains a valid registered BIC code. In MX, this is usually represented through the correct Agent elements so the receiving system can validate the routing party.

Common trigger points

MT103 routing reject
Intermediary bank validation failure
BIC lookup mismatch

Resolve T64 issues fast

Use the live SwiftMX Bridge converter to transform your MT instruction into a compliant MX payload and fix the underlying T64 problem before it blocks settlement.

Convert this payment now