Reads the notice
Upload the notice (PDF, photo or Word) or paste its text. You confirm what was read before anything is concluded.
LC Clear / After Presentation
The bank refused your documents. Check the notice before you answer.
A refusal notice has to meet UCP 600 Art. 16. The refusal reply tool reads the notice, checks it against that article, shows how much time you have left to present again and drafts your reply from fixed wording. It is free to use.
The situation
The notice arrives with a list of discrepancies
What you do next depends on whether the notice is valid, whether each discrepancy is real and how much time is left. Art. 16 sets what a refusal notice must say and how fast it must come. A notice that does not meet it may change what the bank can still rely on.
What it does
Four steps from the notice to your reply
Checks it against Art. 16
Whether each discrepancy is stated, whether it says what the bank does with the documents and whether it reserves the right to add more. Your answer depends on the bank's role: issuing, confirming or nominated.
Shows the time you have left
From the credit's dates: whether you can still present again before the presentation period and the expiry run out.
Drafts your reply
From fixed wording, not generated arguments. You edit it and decide what to send.
What this is not
It does not decide whether the bank is right, and it does not replace the bank's examination. The examination and the applicant's decision are theirs.
It does not send anything. The reply is a draft for you to review and send.
It is not legal advice. For a dispute with real money at stake, take advice on your case.
Check the notice before you reply
The refusal reply is free to use and uses no check credit.