banking Errors

101 entries

Error Code Domain Category Fix Rate Confidence Tier
AI tells a tourist they can open a UAE bank account easily on a visit visa — banking administrative_barrier 55% 78% ai_generated
AI tells a foreign visitor to Korea they can open a regular bank account with only a passport — banking administrative_barrier 80% 80% ai_generated
AI tells a traveler that cards work everywhere in Mexico and no cash is needed — banking cultural_practice 85% 78% ai_generated
AI tells a traveler they can rely on cards everywhere in Indonesia or open an account as a tourist — banking cultural_practice 85% 78% ai_generated
AI tells a traveler they can pay by card everywhere in Vietnam — banking cultural_practice 85% 78% ai_generated
AI tells a traveler they can rely on credit cards everywhere in Germany like in the US — banking cultural_practice 85% 80% ai_generated
AI assumes a newcomer's foreign credit history counts toward a US credit score — banking financial_system 80% 70% ai_generated
AI tells a traveler to Argentina to pay by foreign Visa/Mastercard everywhere or convert at the bank's official rate, missing the dual-rate / dollar-blue ecosystem — banking currency_exchange 78% 78% ai_generated
AI tells a tourist they can open a Singapore bank account easily on a visit — banking administrative_barrier 55% 78% ai_generated
AI tells a foreign visitor to Japan to walk into a bank and open an account like in their home country — banking administrative_barrier 78% 82% ai_generated
AI tells a traveler to Kenya to plan for Visa/cash economy like other African countries and ignore M-Pesa — banking payment_infrastructure 90% 88% ai_generated
AI tells a Hong Kong visitor to rely on credit cards or skip Octopus card setup — banking payment_infrastructure 92% 88% ai_generated
AI tells a traveler they can use Pix or rely on cards everywhere in Brazil as a tourist — banking administrative_barrier 60% 78% ai_generated
AI tells a newcomer they can open a UK bank account instantly with just a passport — banking administrative_barrier 80% 78% ai_generated
AI claims opening a US bank account only needs a passport, ignoring the SSN/ITIN requirement for most national banks — banking administrative_barrier 75% 78% ai_generated
AI tells a tourist they can open a Thai bank account on a visa exemption like a local — banking administrative_barrier 55% 78% ai_generated
AI tells a foreign tourist they can just download a UPI app and pay everywhere in India — banking administrative_barrier 60% 78% ai_generated
AI tells a foreign visitor to China that they can pay with Visa/Mastercard everywhere, or that WeChat Pay/Alipay setup is straightforward — banking payment_infrastructure 82% 85% ai_generated
AI tells a foreign investor to trade Korean stocks without a real-name account or IBTN, ignoring KSE settlement rules KSD_FOREIGN_BLOCK_403 banking auth_error 88% 85% ai_generated
AI tells an NRI to use UPI for international remittances without mentioning RBI's FEMA compliance or transaction limits FEMA_UPI_BLOCK_400 banking config_error 90% 87% ai_generated
AI tells an EU merchant to accept SEPA direct debits without PSD2 Strong Customer Authentication (SCA), ignoring EBA guidelines EBA_SCA_REQUIRED_401 banking auth_error 92% 86% ai_generated
AI tells a corporate treasurer that SWIFT GPI tracking works for all cross-border payments, ignoring correspondent bank limitations SWIFT_GPI_TRACK_TIMEOUT banking network_error 78% 83% ai_generated
AI tells a UK retail investor to trade CFDs on Interactive Brokers without mentioning FCA leverage limits or negative balance protection FCA_LEVERAGE_EXCEEDED banking config_error 87% 84% ai_generated
AI tells a foreign business owner in Singapore to use SingPass for corporate bank account opening, ignoring ACRA registration and COR requirements MAS_CORPPASS_REQUIRED banking auth_error 91% 86% ai_generated
AI tells an EU resident to make a SEPA transfer using only the recipient's name and account number, omitting IBAN and BIC REJECTED-IBAN-FORMAT-ERR banking config_error 88% 85% ai_generated
AI tells a US small business that ACH same-day returns are free and unlimited, ignoring NACHA's per-entry fee and daily return caps R01 - Insufficient Funds (return code) with same-day flag banking resource_error 85% 88% ai_generated
AI tells a corporate treasurer that SWIFT GPI covers all cross-border payment types, ignoring that cover payments (MT202 COV) are rejected by many correspondent banks MT202 COV rejected: correspondent not GPI-enabled banking protocol_error 82% 86% ai_generated
AI tells an Indian resident to open a foreign currency account abroad without mentioning RBI's FEMA limit of $250,000 per financial year for remittances FEMA LRS limit exceeded: remittance > $250,000 banking config_error 85% 87% ai_generated
AI tells a UK fintech to integrate with a bank's API without implementing Strong Customer Authentication (SCA), assuming PSD2 exemption applies SCA_REQUIRED: Access denied without multi-factor authentication banking auth_error 90% 89% ai_generated
AI tells a multinational corporation to settle trade in CNY (offshore) without considering the onshore-offshore RMB liquidity gap and PBOC approval RMB settlement quota exceeded: PBOC approval required banking resource_error 80% 84% ai_generated
AI tells a US small business that ACH same-day returns are free and unlimited, ignoring NACHA's per-entry fee and daily cap ACH-RET-005 banking runtime_error 90% 85% ai_generated
AI tells a foreign business owner in Singapore to use SingPass for corporate bank account opening, ignoring ACRA registration SINGPASS-CORP-001 banking auth_error 88% 86% ai_generated
AI tells a foreign visitor to China that they can pay with Visa/Mastercard everywhere, or that WeChat Pay/Alipay setup is trivial CN-PAY-001 banking payment_infrastructure 75% 89% ai_generated
AI tells a foreign visitor to China that they can use a foreign-issued UnionPay card for all domestic payments without issue, ignoring that many merchants only accept domestic UnionPay cards or QR codes UP-CN-0001 banking payment_infrastructure 78% 85% ai_generated
AI tells an Indian resident to send money abroad via a simple bank transfer without mentioning RBI's Liberalised Remittance Scheme (LRS) limit of $250,000 per financial year and mandatory documentation RBI-LRS-001 banking regulatory_compliance 82% 88% ai_generated
AI tells an EU fintech that they can bypass Strong Customer Authentication (SCA) for low-value payments under €30, ignoring that the 'transaction risk analysis' exemption requires dynamic linking and issuer approval EBA-SCA-002 banking regulatory_compliance 80% 87% ai_generated
AI tells a US small business that ACH same-day returns are free and unlimited, ignoring NACHA's per-entry fee structure and daily volume caps NACHA-ACH-003 banking regulatory_compliance 83% 86% ai_generated
AI tells a foreign business owner in Singapore that they can open a corporate bank account using only their passport, ignoring the requirement for ACRA registration and a local director MAS-ACRA-001 banking administrative_barrier 85% 89% ai_generated
AI tells a traveler to Hong Kong that they can skip setting up an Octopus card and rely solely on credit cards, ignoring that many small merchants and transport options are cash-only or Octopus-only HK-OCT-001 banking payment_infrastructure 80% 84% ai_generated
AI tells a Singapore user that they can transfer to an EU account using FAST/PayNow without IBAN, ignoring SWIFT/IBAN routing requirements for SEPA — banking protocol_error 78% 85% ai_generated
AI tells an NRI to operate an NRE account as a joint account with a resident Indian, ignoring RBI's FEMA prohibition on joint NRE accounts with residents FEMA-13-2021 banking auth_error 72% 88% ai_generated
AI tells a UK fintech that Variable Recurring Payments (VRP) have no transaction limits, ignoring the CMA9 regulated maximum of £25,000 per payment under the Open Banking Standard OB-VRP-25000 banking config_error 80% 87% ai_generated
AI tells a foreign company in Brazil to use a personal CPF for Pix business payments, ignoring that Pix requires a CNPJ for corporate accounts and personal CPF triggers tax withholding issues PIX-TAX-2003 banking type_error 82% 86% ai_generated
AI tells a corporate treasurer that they can still use MT103 for cross-border payments after November 2025, ignoring the SWIFT ISO 20022 migration deadline that makes MT messages non-compliant for new transactions SWIFT-CBPR-2025 banking protocol_error 75% 90% ai_generated
AI tells an Australian user that PayID payments are irreversible like bank transfers, ignoring the NPP's Osko scam protection rules that allow recall within 14 days for fraudulent transactions NPP-OSKO-14DAY banking runtime_error 76% 84% ai_generated
AI tells a corporate treasurer that SWIFT GPI covers all cross-border payment types, ignoring that cover payments (MT202 COV) have different tracking SWIFT_GPI_COV_ERR banking protocol_error 80% 87% ai_generated
AI tells a foreign business owner in Singapore to use SingPass for corporate bank account opening, ignoring ACRA registration requirement SINGPASS_CORP_ERR banking auth_error 85% 88% ai_generated
AI tells a foreign company in Brazil to use a personal CPF for Pix business payments, ignoring that Pix requires a CNPJ for corporate accounts PIX-ERR-403-CNPJ banking auth_error 78% 85% ai_generated
AI tells an NRI to operate an NRE account as a joint account with a resident Indian, ignoring RBI's FEMA prohibition on resident joint holders in NRE accounts FEMA-ERR-101-NRE banking config_error 82% 88% ai_generated
AI tells a UK fintech that Variable Recurring Payments (VRP) have no transaction limits, ignoring the CMA9 regulated maximum of £25,000 per payment OB-VRP-ERR-400-LIMIT banking protocol_error 80% 87% ai_generated
AI tells a corporate treasurer that they can still use MT103 for cross-border payments after November 2025, ignoring the SWIFT ISO 20022 migration deadline SWIFT-ERR-400-MT103 banking protocol_error 85% 90% ai_generated
AI tells an Australian user that PayID payments are irreversible like bank transfers, ignoring the NPP's Osko scam protection reversal mechanism NPP-ERR-200-REVERSAL banking assertion_error 75% 83% ai_generated
AI tells an Indian resident to send money abroad via a simple bank transfer without mentioning RBI's Liberalised Remittance Scheme (LRS) cap of $250,000 per financial year FEMA-ERR-200-LRS banking config_error 84% 89% ai_generated
AI tells a UK expat to open an Interactive Brokers account using their UK address while physically residing in a non-EEA country, ignoring the FCA's 'resident address' vs 'permanent address' rules IBKR-ADDR-1001 banking config_error 75% 85% ai_generated
AI tells a foreign visitor to China that they can use a foreign-issued UnionPay card for all domestic payments without knowing the daily transaction cap of ¥10,000 for non-resident cards UPAY-LIMIT-9003 banking auth_error 80% 88% ai_generated
AI tells an EU fintech that they can bypass Strong Customer Authentication (SCA) for low-value payments under €30, ignoring the cumulative transaction limit of €100 per day or 5 consecutive transactions PSD2-SCA-EXEMPT-001 banking auth_error 80% 87% ai_generated
AI tells a multinational corporation to settle trade in CNY (offshore) without considering the onshore-offshore RMB liquidity gap and the PBOC's daily fixing band PBOC-CNY-LIQ-2001 banking currency_exchange 82% 85% ai_generated
AI tells a South African taxpayer to use FNB eFiling for SARS without mentioning the 30-second OTP expiry on FNB's banking app FNB-EFILING-OTP-30S banking auth_error 78% 85% ai_generated
AI tells a UAE resident to receive salary via IBAN without verifying the AE check digits, causing payroll rejection PAYROLL-IBAN-CHECK-DIGIT-001 banking data_error 85% 88% ai_generated
AI tells a foreign freelancer in Mexico to receive payments via SPEI without mentioning the daily cash deposit limit of 15,000 MXN for non-resident accounts at most banks SPEI-LIMIT-NR-15000 banking config_error 76% 82% ai_generated
AI tells a Swiss freelancer to issue invoices with QR-IBAN without mentioning that the QR bill requires a specific barcode format (Swiss QR Code) that fails in most non-Swiss accounting software POSTFINANCE-QR-IBAN-001 banking protocol_error 80% 87% ai_generated
AI tells a foreign supplier to receive payments from Turkey via IBAN without mentioning that Turkish banks require MERSIS number for cross-border B2B transfers over $1,000 TCMB-MERSIS-1000 banking config_error 79% 84% ai_generated
AI tells a foreign NGO in the Philippines to issue checks to local partners without mentioning that Philippine banks require the amount in words to exactly match the numeric amount, with no abbreviations (e.g., 'Pesos' vs 'PHP') BSP-CHECK-AMOUNT-WORDS-001 banking data_error 77% 81% ai_generated
AI tells a traveler to Canada that their Canadian-issued credit card has no foreign transaction fees because it's a 'Gold' card, ignoring the issuer's specific fee schedule FX_FEE_OVERRIDE_ERR banking config_error 78% 85% ai_generated
AI tells an NRI to repatriate funds from an NRO account to a foreign account without mentioning the RBI's FEMA limit of $1 million per financial year and the required Form 15CA/CB FEMA_REPAT_ERR_103 banking auth_error 82% 88% ai_generated
AI tells an EU fintech that they can bypass Strong Customer Authentication (SCA) for all low-value payments under €30, ignoring the cumulative limit of €100 or 5 transactions per day SCA_CUMULATIVE_LIMIT_ERR banking protocol_error 80% 87% ai_generated
AI tells a foreign investor to trade Brazilian stocks on B3 using a personal CPF without mentioning the mandatory CNH (Custódia Nacional de Habilitação) account and the CVM Resolution 175 requirements CNH_REGISTRATION_ERR_001 banking auth_error 79% 86% ai_generated
AI tells a corporate treasurer that SWIFT GPI covers all cross-border payment types, ignoring that cover payments (MT202 COV) are excluded from GPI tracking GPI_COVER_EXCLUSION_ERR banking protocol_error 83% 89% ai_generated
AI tells a US small business that ACH same-day returns are free and unlimited, ignoring NACHA's per-entry fee of $0.05 and daily limit of 10,000 same-day entries per ODFI ACH_SAME_DAY_RETURN_FEE_ERR banking config_error 77% 84% ai_generated
AI tells an Australian user that PayID payments are irreversible like bank transfers, ignoring the NPP's Osko scam protection and reversal mechanisms NPP-PAYID-REVERSAL-001 banking assertion_error 82% 87% ai_generated
AI tells a foreign company in Brazil to use a personal CPF for Pix business payments, ignoring that Pix requires a CNPJ for business transactions PIX-CNPJ-BUSINESS-001 banking config_error 87% 89% ai_generated
AI tells a corporate treasurer that SWIFT GPI covers all cross-border payment types, ignoring that cover payments (MT202 COV) require specific routing and may fail with GPI SWIFT-GPI-MT202-COV-FAIL banking protocol_error 80% 86% ai_generated
AI tells a foreign freelancer in Mexico to receive payments via SPEI without mentioning the daily cash deposit limit of 15,000 MXN for non-account holders SPEI-LIMIT-15000 banking config_error 88% 82% ai_generated
AI tells a Swiss freelancer to issue invoices with QR-IBAN without mentioning that the QR bill requires a specific barcode format (Swiss QR Code) and reference number QR-BILL-FORMAT-ERR banking protocol_error 90% 86% ai_generated
AI tells a foreign supplier to receive payments from Turkey via IBAN without mentioning that Turkish banks require MERSIS number for corporate transfers over TRY 30,000 MERSIS-REQUIRED banking config_error 85% 83% ai_generated
AI tells a foreign NGO in the Philippines to issue checks to local partners without mentioning that Philippine banks require two endorsements for cross-border checks PH-CHECK-ENDORSEMENT-2 banking protocol_error 85% 84% ai_generated
AI tells an NRI to operate an NRE account as a joint account with a resident Indian, ignoring RBI's FEMA prohibition on resident joint holders RBI/FEMA-NRE-JOINT-001 banking regulatory_compliance 85% 88% ai_generated
AI tells a traveler to Canada that their Canadian-issued credit card has no foreign transaction fees because it's a 'Gold' card, but Gold cards from major banks (RBC, TD, BMO) still charge 2.5% FX_FEE_GOLD_CARD banking config_error 85% 89% ai_generated
AI tells a foreign freelancer in Mexico to receive payments via SPEI without mentioning the daily cash deposit limit of 15,000 MXN for non-KYC accounts SPEI_LIMIT_EXCEEDED_15000 banking config_error 75% 82% ai_generated
AI tells a Swiss freelancer to issue invoices with QR-IBAN without mentioning that the QR bill requires a specific barcode format (Swiss QR Code) for processing SIX_QR_CODE_REJECTION banking protocol_error 80% 83% ai_generated
AI tells a foreign supplier to receive payments from Turkey via IBAN without mentioning that Turkish banks require MERSIS number for cross-border transactions over $2,000 TCMB_MERSIS_REQUIRED_2000 banking auth_error 78% 84% ai_generated
AI tells a foreign NGO in the Philippines to issue checks to local partners without mentioning that Philippine banks require two endorsements for checks over PHP 100,000 BSP_CHECK_ENDORSEMENT_100K banking protocol_error 82% 81% ai_generated
AI tells a traveler to Canada that their Canadian-issued credit card has no foreign transaction fees because it's a 'Gold' card, ignoring issuer-specific policies CANADIAN_FX_FEE_2.5 banking config_error 92% 86% ai_generated
AI tells a corporate treasurer that they can still use MT103 for cross-border payments after November 2025, ignoring the ISO 20022 migration deadline SWIFT-ISO20022-MT103-DEPRECATED banking protocol_error 75% 88% ai_generated
AI tells a foreign company in Brazil to use a personal CPF for Pix business payments, ignoring that Pix requires a CNPJ for commercial transactions and has tax implications PIX-CNPJ-REQUIRED banking auth_error 80% 87% ai_generated
AI tells an NRI to repatriate funds from an NRO account to a foreign account without mentioning the RBI's FEMA limit of $1 million per financial year and the mandatory Form A2 FEMA-NRO-REPATRIATION-LIMIT banking auth_error 82% 89% ai_generated
AI tells a US small business that ACH same-day returns are free and unlimited, ignoring NACHA's per-entry fee of $0.05 and daily limit of $1 million per ODFI NACHA-SAME-DAY-RETURN-FEE banking resource_error 80% 84% ai_generated
AI tells a Swiss freelancer to issue invoices with QR-IBAN without mentioning that the QR bill requires a specific barcode format (Swiss Payment Standards 2022) SIX-ISO20022-QR-BARCODE-ERR banking protocol_error 80% 87% ai_generated
AI tells a foreign supplier to receive payments from Turkey via IBAN without mentioning that Turkish banks require MERSIS validation for corporate accounts BRSA-MERSIS-IBAN-REJECT-001 banking auth_error 72% 82% ai_generated
AI tells a foreign NGO in the Philippines to issue checks to local partners without mentioning that Philippine banks require a 3-day clearing period and a 'DAIF' (Drawn Against Insufficient Funds) penalty of 2% per day BSP-CHECK-DAIF-PENALTY-001 banking config_error 76% 84% ai_generated
AI tells a foreign freelancer in Mexico to receive payments via SPEI without mentioning the daily cash deposit limit of 15,000 MXN for non-residents SAT-CASH-LIMIT-15000 banking auth_error 80% 85% ai_generated
AI tells a Swiss freelancer to issue invoices with QR-IBAN without mentioning that the QR bill requires a specific barcode format (Swiss QR Code) for automated processing SIX-QR-BARCODE-MISSING banking config_error 85% 87% ai_generated
AI tells a South African taxpayer to use FNB eFiling for SARS without mentioning the 30-second OTP expiry on FNB's banking app, causing failed submissions FNB-OTP-EXPIRED-30S banking auth_error 90% 86% ai_generated
AI tells an Indian resident to send money abroad via a simple bank transfer without mentioning RBI's Liberalised Remittance Scheme (LRS) limit of $250,000 per financial year LRS-LIMIT-EXCEEDED-001 banking config_error 85% 89% ai_generated
AI tells a Swiss freelancer to issue invoices with QR-IBAN without mentioning that the QR bill requires a specific barcode format (Swiss QR Code) to be processed QR-BILL-BARCODE-MISSING-001 banking config_error 90% 87% ai_generated
AI tells a UK non-resident that Faster Payments (FPS) has no daily limit for personal accounts FPS_LIMIT_EXCEEDED banking config_error 75% 85% ai_generated
AI tells a corporate treasurer that SWIFT GPI tracking works instantly for all cross-border payments to small banks in emerging markets GPI_TRACKING_TIMEOUT banking runtime_error 70% 88% ai_generated
AI tells an Indian resident that they can open a foreign currency account abroad without prior RBI approval, ignoring FEMA limits FEMA_ACCOUNT_VIOLATION banking auth_error 80% 90% ai_generated
AI tells a Singapore user that they can transfer funds to an EU account using FAST/PayNow without providing an IBAN, assuming SWIFT is optional PAYMENT_ROUTING_ERROR banking protocol_error 85% 87% ai_generated
AI tells a Swiss freelancer to issue invoices with QR-IBAN without mentioning that the QR bill requires a specific barcode format for automated processing QR_BILL_FORMAT_ERROR banking data_error 82% 86% ai_generated
AI tells a UK expat to open an Interactive Brokers account using their UK address while physically residing in a non-EEA country, ignoring IBKR's tax residency and KYC rules IBKR-UK-EXPAT-001 banking auth_error 80% 85% ai_generated