Adoption of Structured/Hybrid Address for Cross-Border Payments and Reporting Plus (CBPR+)
Effective November 2026, SWIFT and leading Payment Market Infrastructures (PMIs) will require cross-border payment messages to include both a town/city name and country code in postal address fields, as part of the Cross Border Payments and Reporting Plus (CBPR+) initiative. These updates are intended to support compliance efforts and increase automation in payment processing.
What’s changing?
Currently, you must use one of three formats for postal addresses in your payment messages:
- Fully unstructured:
This format will be phased out by November 14, 2026. After that, all address fields must use either the structured or hybrid format. - Fully structured:
Address details are separated into specific fields, such as street name, post code, town, and country. - Hybrid:
Combines structured elements (town name and country—both required) with up to two unstructured address lines (each up to 70 characters) for flexibility during the transition.
These requirements apply to cross-border payments sent over the SWIFT network and to payments processed through clearing systems that require hybrid or fully structured addresses.
What you need to do
To avoid disruptions and keep your payments running smoothly, we recommend the following for payments:
- Review your current payment initiation systems and data formats.
- Prepare to support the hybrid postal address format by November 2026 for cross-border payments.
- Make sure 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).
- If you don’t already have town name and country information for your payees, start collecting it now.
- Update your formats to include the structured town name and country code fields.
Regional timelines for rejecting unstructured addresses
Region | Country | Reject Fully Unstructured |
Asia Pacific | ||
| Australia | Nov '26 - HV |
| China |
|
| Hong Kong | Nov ’26 - HV CHATS |
| India |
|
| Indonesia |
|
| Japan FXYCS | Nov '26 - HV |
| Japan Zengin |
|
| Malaysia | Nov '26 - HV |
| New Zealand | Nov '26 - HV |
| Philippines | Oct '26 – HV* |
| Singapore |
|
| South Korea BOK |
|
| South Korea FCY | Nov '26 - HV |
| Taiwan |
|
| Thailand |
|
| Vietnam |
|
Europe, Middle East, and Africa | ||
| 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 |
|
| Russia | Nov ’26 - HV |
| 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 |
|
| United Kingdom | Nov '26 - HV and LV (SEPA only) |
Latin America | ||
| Argentina |
|
| Brazil |
|
| Chile | Nov ’26 - HV |
| Colombia |
|
| Mexico - MXN |
|
| Mexico - USD |
|
North America | ||
| 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. Check your channel details for the most up-to-date information on specific payment types.
For Single Euro Payments Area (SEPA) Credit Transfers (CT), Direct Debits (DD), and SEPA-Instant, the same address rules apply as for cross border payments, however, additional scheme- or jurisdiction-specific requirements may apply. From November 14, 2026, any address provided must be fully structured or hybrid with a minimum of town (<TwnNm>) and country (<Ctry>) supplied in the pain.001 or pain.008 file.
When issuing a SEPA DD, where the debtor account is located outside the European Economic Area (EEA), a structured or hybrid address must be provided for the debtor.
As of November 2026, Non-European Economic Area (EEA) SEPA Countries include Albania (AL), Andorra (AD), Moldova (MD), Monaco (MC), Montenegro (ME), North Macedonia (MK), San Marino (SM), Serbia (RS), Switzerland (CH), United Kingdom (GB), Vatican City State (VA).
Legend:
- HV = High Value payments
- LV = Low Value payments
- “Nov '26” indicates when unstructured address data will no longer be accepted.
We are here to help
Start your internal assessments early to help ensure a smooth transition. If you have any questions or need support as you prepare for this change, contact your relationship manager or our support team at hybrid.address.migration@jpmchase.com.