End of Unstructured Address
After November 2026, when sending an MT101 to JPMorgan, please ensure address data includes Town Name and Country as structured elements, even if submitted via semi-structured fields.
Below are examples of the available options in MT101.
1) Preferred Option: Example using the MT101 Field 50F / 59F (F-option) format for a hybrid postal address:
:59F:/BE30001216371411
1/JOHN SMITH
2/HOOGSTRAAT 6, 18TH FLOOR
3/BE/BRUSSELS
Where:
1/= Name (JOHN SMITH)
2/=Address Line (HOOGSTRAAT 6, 18TH FLOOR)
3/=Country Code (BE), Town Name (BRUSSELS)
2) Preferred Option :Example using the MT101 Field 52A/56A/57A (A-option) format with BIC code or other identifier:
:57A:/BANKCCXX
Where:
‘BANKCCXX’ is Party identifier e.g. BIC or Local Clearing system identification
3) Other option: Example using the MT101 Field 50H (H-Option) / 59 (No letter Option) format with name only (Swift MT101 schema changed for Nov 2026):
:59:/BE30001216371411
JOHN SMITH
CORPORATE PVT LTD
NAME SURNAME
MORE NAME
Where:
According to the Swift MT101 schema change for Nov 2026, all four lines should contain only a Name; Postal Addresses are not permitted in 50H/59.
4) Example using the MT101 Field 52D/56D/57D (D-option) format with a name and hybrid postal address:
:57D:/BANKCCXX
Bank Name
3/CC/BRUSSELS
Where:
‘BANKCCXX’ is Party identifier e.g. BIC or Local Clearing system identification
‘Bank Name’ is a Bank Name and
3/=Country Code (CC), Town Name (BRUSSELS)
- With the implementation of Standards Release (SR) 2026, from November 2026 onwards, Option F for Tag 50/59 in MT101 messages is the most preferred option which will enable the transmission of structured postal addresses—specifically, the Town Name and Country Code that will be mandatory for cross-border payments. Only Option F provides the structure required for these transactions.
- If agents are identified by name and postal address in MT messages using D option, 3/CC/TOWN NAME must be added to pass Town Name and Country as required for Hybrid / Structured Address. This approach ensures frictionless processing by the Debtor Agent upon receipt, aligning with best practices for address data submission.
- If Tag 50H/59 is used in MT101, Swift 2026 schema update allows all 4 lines of data to be Name only, Address is not allowed.
- Some local payment methods—such as domestic transfers or SEPA—may still allow the initiation of payments using MT101 fields 50/59 with unstructured data. However, when address details are provided in an unstructured format, the bank processing the transaction will not be able to pass on payment details—only the name of the party will reliably be transmitted. This can lead to payment delays, rejections, or costly follow-up inquiries, especially for cross-border payments where structured address information is required.
If you utilize other J.P. Morgan channels or products to make payments, visit our Client Resource Center to learn how they may be impacted.