What does AM09 mean in ISO 20022?

AM09 is Wrong Amount in the ExternalReturnReason1Code code set: Amount received is not the amount agreed or expected

What should I do when I get AM09?

Agree the correct amount with the counterparty, cancel or return the wrong payment, then send a new one.

Where does AM09 appear in a message?

For example in pacs.004, element TxInf/RtrRsnInf/Rsn/Cd.

AM09 Reason Code: Wrong Amount

Written and maintained by ZagTrader. Last reviewed 21 October 2026. How this page is sourced and checked

AM09 means wrong amount in the ISO 20022 return reason code set. The amount received is not the amount that was agreed or expected.

Code: AM09
ISO name: WrongAmount
Status: Registered
Last updated: 2009-04-01

Official definition

Amount received is not the amount agreed or expected

Definition from the ISO 20022 External Code Sets, 2Q2026 (published 28 Aug 2026).

What it means in practice

In a pacs.004 payment return, a return reason code explains why funds that were already settled are being sent back. It sits in TxInf/RtrRsnInf/Rsn/Cd, and bank statements (camt.053, camt.054) repeat it in RtrInf/Rsn/Cd.

The amount received is not the amount that was agreed or expected. In cancellation requests it asks to stop a payment sent with the wrong amount.

What to do

Agree the correct amount with the counterparty, cancel or return the wrong payment, then send a new one.

Messages and fields that use ExternalReturnReason1Code

Message	Element path
pacs.004	TxInf/RtrRsnInf/Rsn/Cd, OrgnlGrpInf/RtrRsnInf/Rsn/Cd
camt.053	Stmt/Ntry/NtryDtls/TxDtls/RtrInf/Rsn/Cd
camt.054	Ntfctn/Ntry/NtryDtls/TxDtls/RtrInf/Rsn/Cd
camt.052	Rpt/Ntry/NtryDtls/TxDtls/RtrInf/Rsn/Cd
trck.001	TrckrStsAndTx/Tx/RjctRtrRsn/Rsn/Cd, TrckrStsAndTx/TxSts/RjctRtrRsn/Rsn/Cd
trck.002	TrckrStsAndTx/Tx/RjctRtrRsn/Rsn/Cd, TrckrStsAndTx/TxSts/RjctRtrRsn/Rsn/Cd
trck.004	TrckrStsAndTx/Tx/RjctRtrRsn/Rsn/Cd, TrckrStsAndTx/TxSts/RjctRtrRsn/Rsn/Cd

AM09 in other code sets

AM09 questions

What does AM09 mean in ISO 20022?: AM09 is Wrong Amount in the ExternalReturnReason1Code code set: Amount received is not the amount agreed or expected
What should I do when I get AM09?: Agree the correct amount with the counterparty, cancel or return the wrong payment, then send a new one.
Where does AM09 appear in a message?: For example in pacs.004, element TxInf/RtrRsnInf/Rsn/Cd.

All ExternalReturnReason1Code codes · ISO 20022 code sets

The ISO 20022 code names and definitions on this page are reproduced from material published at iso20022.org under the ISO 20022 Intellectual Property Rights policy. This is not the official source: the up-to-date ISO 20022 standards and repository material are published only at iso20022.org. Explanations in our own words are by ZagTrader. ZagTrader is not affiliated with or endorsed by ISO or Swift.