Effective November, 2026, certain domestic payments must comply with hybrid address requirements. Where address information is entered, City/Town and Country must be provided in their dedicated fields.
Wire and Book Transfer Payments
When initiating free-form Wires or Book Transfer payments, you will notice updated field labels in the Routing/Reference Information section. These changes apply to all parties where address information may be entered, including Beneficiary, Beneficiary Bank, Intermediary Bank, and By Order Of.
The first image shows the payment party details screen displaying Routing/Reference information with address fields. The City, State/province, Zip/Postal Code are in one line.
The second image shows the updated payment party details screen displaying Routing/Reference information with address fields. City/town are now a separated field from the State/province, Zip/Postal Code field.
| Currently, your addresses are captured in an unstructured format. | To comply with hybrid address standards, reformat your address details according to the updated labels. |
User recommendations
- If an address is provided, City/Town and Country must be entered in their dedicated fields.
- Enter State/Province, Zip/Postal Code in its dedicated field, where applicable.
- Append any details previously kept in Address Line 2 to the end of Address Line, which will allow up to 70 characters.
U.S. Drawdowns
When initiating US Drawdowns, you will see similar label changes to those made on Wires and Books.
The second image shows the updated payment party details screen displaying Routing/Reference information with address fields. City/town are now a separated field and any State/Province, Zip/Postal Code information is moved to the Address field.
| Currently, your addresses are captured in an unstructured format. | To comply with hybrid address standards, reformat your address details according to the updated labels. |
User recommendations
- If an address is provided, City/Town and Country must be entered in their dedicated fields.
- Append State/Province and Zip/Postal Code information to the end of the Address field, where applicable. Address field will allow up to 70 characters.
Global ACH
SEPA Credit Transfers and SEPA Direct Debits
When manually initiating SEPA Credit Transfers (Figure 1) or SEPA Direct Debits (Figure 2), any address information provided will require at least the town name/city and country fields. Our application currently mandates the ‘country’ field if any address component is supplied for SEPA, and this same requirement will be extended to the town/city field once the regulation is enforced
Figure 1 – SEPA Credit Transfers
For SEPA Direct Debits (Figure 2), if the debtor account is located in a country outside the European Economic Area (EEA), providing the debtor’s town name/city and country is mandatory. SEPA transactions within the EEA do not require address information, although we recommend including it for completeness.
The countries and territories outside the EEA are currently: United Kingdom (GB), Switzerland (CH), Monaco (MC), San Marino (SM), Andorra (AD), Vatican City (VA), Albania (AL), Montenegro (ME), North Macedonia (MK), Moldova (MD), Saint-Pierre-et-Miquelon (PM), Guernsey (GG), Jersey (JE), Isle of Man (IM).
Source for EEA countries: European Payments Council List of SEPA Scheme Countries
Figure 2 – SEPA Direct Debits
For Swiss Direct Credits (Figure 3), address information will require a minimum of town name/city and country.
Figure 3 – Swiss Direct Credits
