Adoption of Cross Border Payments and Reporting (CBPR+) Hybrid Address
As part of the CBPR+, the Society for Worldwide Interbank Financial Telecommunication (SWIFT) and leading Payment Market Infrastructures (PMI) mandates the inclusion of Country Code and Town Name for all payment fields. This mandate aims to offer precise compliance information and higher automation in processing payments.
As of November 2025, there will be three valid formats for providing postal addresses in payment messages:
- Fully unstructured: Will be decommissioned by November 2026, and all address fields must be in a structured or hybrid format.
- Fully structured: Typically comprising distinct components such as street name, post code, town and country details.
- Hybrid option combines structured elements within Postal Address (Town Name and Country are mandatory information) as well as unstructured format ( AddressLIne can be up to 2 lines of 70 characters) for greater flexibility during the transition.
This regulation will affect clients submitting Cross border payments processed over the SWIFT network as well as select Payments whose clearing systems mandate either the Hybrid or fully structured addresses.
To minimize future disruptions and ensure continued smooth processing of payments, it is highly recommended that the following steps be followed for all payment types:
- Review and assess existing payment initiation systems and data formats.
- Prepare to support the hybrid postal address format by November 2026 for ALL payments.
- Ensure all postal addresses for relevant parties use either the fully structured or hybrid format, including a structured Town Name and Country Code (ISO 2-letter format).
- Begin collecting town and country information from payees if not already available.
- Update all formats to include structured Town Name and Country elements.
Regional timelines for rejecting unstructured addresses
Region |
Country |
Reject Fully Unstructured |
Asia Pacific |
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Australia |
Nov '26 - HV |
|
China |
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Hong Kong |
|
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India |
|
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Indonesia |
|
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Japan FXYCS |
Nov '26 - HV |
|
Japan Zengin |
|
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Malaysia |
Nov '26 - HV |
|
New Zealand |
Nov '26 - HV |
|
Philippines |
Oct '26 – HV* |
|
Singapore |
|
|
South Korea BOK |
|
|
South Korea FCY |
Nov '26 - HV |
|
Taiwan |
|
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Thailand |
|
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Vietnam |
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Europe, Middle East, and Africa |
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Belgium |
Nov '26 - HV and LV |
|
France |
Nov '26 - HV and LV |
|
Germany |
Nov '26 - HV and LV |
|
Ireland |
Nov '26 - HV and LV |
|
Italy |
Nov '26 - HV and LV |
|
Luxembourg |
Nov '26 - HV and LV |
|
Netherlands |
Nov '26 - HV and LV |
|
Norway |
|
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Russia |
|
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Saudi Arabia |
Nov '26 - HV |
|
South Africa (FX) |
Nov '26 - HV |
|
Spain |
Nov '26 - HV and LV |
|
Switzerland |
Nov '26 - HV and LV |
|
United Arab Emirates |
|
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United Kingdom |
Nov '26 - HV |
Latin America |
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Argentina |
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Brazil |
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Chile |
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Colombia |
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Mexico - MXN |
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Mexico - USD |
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North America |
||
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Canada |
Nov '26 - HV |
|
United States |
Nov '26 - HV |
For countries and payment types without a listed date, the effective dates are still being finalized. Please check your channel details for the most up-to-date information on specific payment types.
Legend:
- HV = High Value payments
- LV = Low Value payments
- “Nov '26” indicates when unstructured address data will no longer be accepted
If you have questions or need support, we’re here to help. Please contact your relationship manager or our support team at hybrid.address.migration@jpmchase.com.