For Companies and Institutions

  • Commercial Banking
    We provide credit, financing, treasury and payment solutions to help your business succeed. We also offer best-in-class commercial real estate services for investors and developers.
  • Global Corporate Banking
    We help clients achieve their long-term strategic goals through financing, liquidity, payments, risk management and investment banking solutions.
  • Investment Banking
    Providing investment banking solutions, including M&A, capital raising and risk management, for a broad range of corporations, institutions and governments.
  • Institutional Investing
    We support the entire investment cycle with market-leading research, asset management, analytics, execution, and investor services.
  • Payments
    Your partner for commerce, receivables, cross-currency, working capital, blockchain, liquidity and more.

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For Individuals

  • Wealth Management
    With J.P. Morgan Wealth Management, you can invest on your own or work with an advisor to design a personalized investment strategy. We have opportunities for every investor.
  • Private Bank
    A uniquely elevated private banking experience shaped around you.

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About Us

We aim to be the most respected financial services firm in the world, serving corporations and individuals in more than 100 countries.

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Global Flat File (GFF): We have introduced additional records to support Town Name and Country.

Payment Information

Mandated Information

Ultimate Debtor

Y1 Town Name (Y1 003-037)

Y1 Country (Y1 038-039)

Creditor

X1 Town Name (X1 003-037)

X1 Country (X1 038-039)

 

Ultimate Creditor

 

No change

 

No change

 

Intermediary Agent

 

 I1 Town Name (I1 003-037)

Not required if BIC is included. If only the Local Bank Code is included, the city is required. 

If any A3 address data is included, the city is required.

 

I1 Country (I1 038-039)

Not required if BIC is included. If only the Local Bank Code is included, the city is required. 

If any A3 address data is included, the Country Code is required.

Creditor Agent

 I1 Town Name

(I1 003-037)

 

Not required if BIC is included. If only the Local Bank Code is included, the city is required. 

If any By Order of Information address data is included, then the city is required.

 

I1 Country

(I1 038-039)

 

Not required if BIC is included. If only the Local Bank Code is included, the city is required. 

If any By Order of Information address data is included, then the Country Code is required.

 

Note on Domestic and Jurisdictional Payments:

While the changes described primarily affect cross-border payments and leading payment market infrastructures, please be aware that similar requirements may apply to certain domestic or jurisdictional payment as for domestic payments, requirements may vary depending on the country, region, or payment scheme. We recommend that you speak to your relationship managers for further information.

Future-Proofing recommendations: To fully benefit from this transition, we strongly recommend migrating to the ISO 20022 messaging standard, specifically using the pain.001 message format for payment initiation. This will:

  • Improve straight-through processing (STP)
  • Reduce manual interventions and errors
  • Enhance data quality and integrity throughout the payment lifecycle
  • Facilitate compliance with global regulatory and screening requirements

 

Upcoming Updates for Additional Formats

Information for other formats—including EBICS, EDIFACT, IDOC, MT10x, EPOS, Open Roads/custom formats—will be available soon. Please check back for the latest updates.

 

Client Testing:

 

Our client testing environment will be available soon. Please check back here for the latest updates and further information.

 

We are here to help

Please begin your internal assessments early to ensure a smooth transition. If you have questions or need support, contact our Support team at hybrid.address.migration@jpmchase.com.

We’re here to help you prepare for this change.

  • true

    Partner Key Management
    The PKM process is used by clients to submit their production security credentials for renewal.

    Learn more

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    Best Practices
    Review best practices to help keep file transmissions reliable and secure and ensure the best experience.

    Learn more

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    Client Acceptance Testing (CAT)
    Test and verify connectivity using our CAT, also known as UAT, environment.

    Learn more

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    H2H Resiliency
    Configure your system to use DNS and short-lived IP caching.

    Learn more


Support

Questions? Contact our support team at 978-805-1200 or HosttoHost.helpdesk@jpmorgan.com. Representatives are available to assist you 24 hours a day, Monday through Friday. Government, municipal and public sector clients should call 844-718-0643. 

Please note the support team cannot advise clients on specific actions needed to make the required system changes. Clients should contact the application vendors for this information.

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