What’s changing
From November 2026, the SWIFT network will no longer accept unstructured postal addresses in international payment messages. Only structured or hybrid postal addresses will be allowed, requiring Town/City and Country address details and at least one other address field to be provided. RTGS/HVCS high-value payment messages must include Town/City and Country details if any address information is provided.
Payment types impacted
CUSTOMER JURISDICTION |
INTERNATIONAL PAYMENT |
DOMESTIC PAYMENT |
MULTIBANK PAYMENT |
| Australia | Y |
RTGS* |
Y |
| China | Y |
N |
N/A |
| Cook Islands | Y |
N |
N/A |
| Fiji | Y |
Fiji Clear (RTGS)* |
N/A |
| Hong Kong | Y |
CHATS (RTGS)* |
N/A |
| India | Y |
N |
N/A |
| Indonesia | Y |
N |
N/A |
| Kiribati | Y |
N |
N/A |
| Laos | Y |
N |
N/A |
| New Zealand | Y |
SCP (RTGS)* |
Y |
| Papua New Guinea | Y |
Domestic Urgent (RTGS)* |
N/A |
| Philippines | Y |
RTGS^ |
N/A |
| Samoa | Y |
N |
N/A |
| Singapore | Y |
MEPS (RTGS)* |
N/A |
| Solomon Islands | Y |
N |
N/A |
| Taiwan | Y |
N |
N/A |
| Timor-Leste | Y |
N |
N/A |
| Tonga | Y |
N |
N/A |
| Vanuatu | Y |
N |
N/A |
| Vietnam | Y |
N |
N/A |
*Beneficiary Address is optional for these payment types. If any address detail is provided, Town/City and Country must be entered as structured elements.
^Hybrid address is mandatory for Philippines RTGS payments.
Who is impacted
Customers submitting international payment instruction files via ANZ Fileactive must ensure all beneficiary and related party addresses meet the hybrid structured requirements; Payments containing unstructured addresses may be delayed or rejected by ANZ, correspondent banks and market infrastructures. Hybrid addresses may also be required in some domestic RTGS payment instructions where address details are provided as noted in the table above.
What you need to do
- Review and update your Enterprise Resource Planning (ERP) / beneficiary records to include complete address details, including Town/City and Country and at least one other address field. Your ERP needs to generate files with payment beneficiaries containing this information in separate fields.
- Use ANZ’s File Format Guides to confirm the correct field mapping and constraints. You may need to engage your ERP provider to enable these address fields to be included in payment file outputs. File format specific requirements:
- MT101: Use Option F in field 59F to provide address line and structured Town/City and Country code fields.
- pain.001: Populate <PstlAdr> with <AdrLine><TwnNm> and <Ctry>. Where possible, use fully structured fields <StrtNm>, <BldgNb>, <PstCd>. If not possible, please use <AdrLine>.
- Fixed-Length and Pipe Delimited file formats: Populate Address Line 1, Beneficiary Country and Beneficiary City fields
- Use ANZ's File Checker to validate your MT101 and pain.001 address formats are compliant.
Timeline
- Now - Prepare ERP master data and commence sending hybrid structured address information including Town/City and Country details and at least one other address field.
- November 2026 - Unstructured addresses will no longer be accepted. Payments not following hybrid or structured address format will risk rejection.
Webinar
In this webinar we help you understand the upcoming SWIFT and ISO 20022 payment updates impacting ANZ Fileactive customers submitting International and RTGS/high-value payments.
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