What's changing?
As part of the global migration to enhanced ISO 20022 data standards, the way postal addresses are provided in international payment messages is evolving. Starting from mid-November 2026, fully unstructured postal addresses will no longer be accepted.
Who is impacted?
As part of the global migration to enhanced ISO 20022 data standards, the way postal addresses are provided in international payment messages is evolving. Starting from mid-November 2026, fully unstructured postal addresses will no longer be accepted.
What do you need to do?
- Review beneficiary and address book records used for international payments.
- Ensure the Town and Country/Region are available as structured address details.
- Where possible, capture additional address details in structured fields, such as Post Code, Street Name, Building Number and Floor.
- Use unstructured address lines only for information that cannot be reliably mapped to a structured field.
- Make updates early to reduce the risk of payment delays, rejection or manual repair in the future.
Supported address formats
| ADDRESS FORMAT | DESCRIPTION | MINIMUM REQUIREMENT |
| Fully structured (recommended) | Address data is entered into dedicated fields, such as Floor, Building Number, Street Name, Town Name, Post Code and Country or Region. | Town Name and Country or Region are mandatory. |
| Hybrid | Combines structured address fields with unstructured address lines for complex or non-standard details that cannot be reliably structured. | Town Name and Country/Region are mandatory. |
| Fully unstructured | Address information is entered only as free-text address lines. | In the future this will no longer be accepted for international payment messages. |
Valid SWIFT ISO Characters
The following characters are valid for ISO 20022 payment messages:
ABCDEFGHIJKLMNOPQRSTUVWXYZ
abcdefghijklmnopqrstuvwxyz
0123456789
/ - ? : ( ) . , ' +
(space)
What has changed in ANZ Transactive – Asia & Pacific Payments
International payment screens have been enhanced to support fully structured and hybrid addresses. The following fields and behaviours will be available from mid-November 2026 and should be noted when creating an international payment.
| FIELD | DETAILS |
| Beneficiary Name |
Beneficiary Name now supports up to 140 characters. Beneficiary address details should be provided using fully structured or hybrid address fields. |
| Beneficiary Address details |
Structured address fields:
*Mandatory fields. Hybrid structured address: The hybrid address format enables you to combine structured and unstructured address data. At a minimum, the structured part must include the Town Name and Country. However, we strongly encourage you to provide as much address information as possible in the structured data elements such as Post Code, Street Name and Building Number, whenever this data is available in a structured form. |
| Clearing code type |
United States Routing Number indicates the Bank/Branch Code is for Fedwire/ABA payments. If left blank, the Bank/Branch Code is treated as a SWIFT BIC11 code. |
Timeline
| TIMING | ACTION |
| Now | Review and update beneficiary and address book data. Ensure Town and Country or Region details are captured as structured data. |