The Switch keeps its own storage inside, and uses the card for two things: downloaded software, and the album. When it cannot mount the card's file system, FAT32 or exFAT on a Switch and the console's own layout on a Switch 2, it raises 2016-0247 whenever it needs the card, most often during a download. The file system is usually what has gone: a card pulled while the console was writing, a console that lost power mid-update, a card that has worn out. The console cannot repair a file system, so its page offers reinsertion, an update, and a format.
The two folders decide what matters. Nintendo/Contents holds the games, written in a form only that console can open, and Nintendo will serve them again to the same account; nothing in it needs recovering. Nintendo/Album holds every screenshot and capture the console ever made, as plain files any computer reads, and nothing in it can be downloaded. Saves are not on the card at all; they live in the console and, for subscribers, in Nintendo's cloud. So a recovery is a recovery of the album, and the first tool for it is a card reader on a computer. A Switch card that the console will not mount is, more often than not, mounted by a computer with a complaint, and the album copies off in a minute.
When the computer offers to format it too, the tables are torn and the bench rebuilds them on an image, which is the lower band; the album's files are carved by signature where their entries are gone, and dated from their own metadata. When no reader sees the card, the controller has failed and its flash is read through the test pads, which is monolith work. On a Switch 2 the card is microSD Express, an NVMe drive in a microSD shape; owners reported cards the console stopped reading after a system update in early 2026, and the album on such a card is usually readable in an ordinary reader at UHS-I speed. A microSD Express card whose controller has failed is SSD work and priced with CFexpress.
Nintendo's line about formatted cards is worth keeping in proportion. The console's format rewrites the file system and does not, as far as the bench sees, scrub the data area; a card formatted at the last step of the support page usually gives up its album to carving. It is still the wrong order, and the album is still better copied first.