The Impact of Structured Address Migration: Are You Ready?

Since November 2025, payment instructions are to be sent in ISO20022 format. The Standards Release 2025 also enabled the use of hybrid addresses in payment instructions. For decades, beneficiaries in payment instructions have been identified by banks with unstructured postal address in free field format using Swift MT message format. Since November 2025 according Swift mandate, the payment instructions are sent in Swift MX ISO20022 enabling structured address.

After November 2026, the use of structured address is a community decision and the payment instructions with an unstructured address might be rejected by payment market infrastructures and banking counterparts. This has a huge impact on the operations of all the stakeholders in the payment industry. Are you ready for it?

In this webinar, Eastnets and Swift will review impact, point of friction and solutions for this active transformation impacting payments processing, screening and compliance across Swift and payment schemes worldwide.