Structured addresses in payment orders

Q: Requirements for SWIFT MT101

Feld 59 (Option F) Option F must be used in field 59. At least «Name», «Town» and «Country» must be transmitted. In addition, from subfield 2 (name & address) onwards, each line, if available, must begin with one of the following numbers and each number must be followed by a slash ‘/’: Example for Field 59 (Option F) :59F:/CHYY00231231nnnnnn02Y 1/ELISABETH EXAMPLE 2/BAHNHOFSTRASSE 6 3/CH/SAMPLETON For orders debited to an account at a third-party bank (multibanking), field 50 must be formatted in the same way. Further information is available in the Formatting Guide MT101 .

Get your software ready for the new structured address requirements.

Background

To meet the requirements of global regulators for more transparent monitoring and prevention of money laundering, the Swiss financial market has decided that a structured disclosure of address data is necessary for payment transactions. This applies to all address fields of the parties involved (debtor, creditor and financial institutions) in a payment order, both nationally and internationally, via SIC, SWIFT and SEPA.

Who needs to do something?

Clients who create payment orders using their own accounting software (pain.001, pain.008 SDD and MT101) and transmit them to UBS must ensure that their software is updated in accordance with new market requirements so that payment orders contain structured address data by 21 November 2026 at the latest.

If payment orders are not structured in accordance with the requirements, UBS will no longer be able to process them from 21 November 2026.

Options for structuring address data when creating the files with your own software

UBS supports three different options for structuring address data in pain.001 and pain.008 SDD payment files according to the new requirements. The requirements for SWIFT MT101 can be found below.

Option I: minimum requirement
Transmit “Name,” “City” and “Country” in separate fields (structured)
UBS supports this option with immediate effect
Option I in detail
Option II: fully structured addresses
In addition to the minimum requirements “Name,” “City” and “Country,” other structured address data fields are also transmitted, such as street name, house number or postcode
We recommend that you transmit fully structured addresses to avoid rejections of cross-border payments
UBS supports this option with immediate effect
Option II in detail
Option III: hybrid model
In addition to the minimum requirements “Name,” “City” and “Country,” additional address data can be transmitted unstructured
This option will be supported as of 22 November 2025 with the new ISO 20022 Version (2019).
Option III in detail

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By when does the software need to be updated?

UBS recommends that an update be carried out at the earliest opportunity, but no later than 21 November 2026. From then on, payment files can only be transmitted using one of the structured variants described above. You will receive support from your IT department or your software partner when implementing the structuring of your address data.

Timeline for the implementation of structured addresses in payment orders

Option I: minimum requirement

In order to meet the minimum requirements regarding structured addresses and to continue to guarantee smooth processing of your payment orders, “Name,” “City” and “Country” must as a minimum be submitted in separate fields in a structured manner. This option can be implemented with immediate effect.

Debtor / Creditor Information

XML structure of minimum requirement

<Nm>Elisabeth Example</Nm>
<PstlAdr>
<TwnNm>Sampleton</TwnNm>
<Ctry>CH</Ctry>
</PstlAdr>

Option II: fully structured addresses – our recommendation

In the case of cross-border payments, payments may occasionally be rejected, regardless of regulatory and country-specific requirements, if the address data provided by the recipient bank is insufficient. To avoid this, we recommend using fully structured addresses. For this purpose, additional structured address data fields must be transmitted, such as street name, house number and postcode. This option can be implemented with immediate effect. All structured address data fields allowed by the UBS Implementation Guidelines can be used.

The following example is in line with a UBS recommendation:

Debtor / Creditor Information

XML structure of recommendation

<Nm>Elisabeth Example</Nm>
<PstlAdr>
    <StrtNm>Bahnhofstrasse</StrtNm>
    <BldgNb>6</BldgNb>
    <PstCd>9999</PstCd>
    <TwnNm>Sampleton</TwnNm>
    <Ctry>CH</Ctry>
</PstlAdr>

Option III: hybrid model

The hybrid model is in line with the “minimum requirement” option, but additional address data can be transmitted in combination using two unstructured address data fields <AdrLine>. This option will be supported as of 22 November 2025 with the new ISO 20022 Version (2019).

Debtor / creditor Information

XML structure of hybrid address

<Nm>Elisabeth Example</Nm>
<PstlAdr>
    <TwnNm>Sampleton</TwnNm>
    <Ctry>CH</Ctry>
    <AdrLine>Bahnhofstrasse 6</AdrLine>
    <AdrLine>9999</AdrLine>
</PstlAdr>

Requirements for SWIFT MT101

Feld 59 (Option F)

Option F must be used in field 59. At least «Name», «Town» and «Country» must be transmitted. In addition, from subfield 2 (name & address) onwards, each line, if available, must begin with one of the following numbers and each number must be followed by a slash ‘/’:

Number	Number	Content	Content	Instruction	Instruction
Number	1	Content	Name of beneficiary customer	Instruction	The number followed by a slash “/” must be followed by the name of the beneficiary customer.
Number	2	Content	Address	Instruction	The number followed by a slash “/” must be followed by an address line (Address Line can be used to provide for example, street name and number, building name or post office box number).
Number	3	Content	Country and Town	Instruction	The number followed by a slash “/” must be followed by the ISO country code. This in turn is followed by a slash “/” and then the city must be specified.

Example for Field 59 (Option F)

:59F:/CHYY00231231nnnnnn02Y
1/ELISABETH EXAMPLE
2/BAHNHOFSTRASSE 6
3/CH/SAMPLETON

For orders debited to an account at a third-party bank (multibanking), field 50 must be formatted in the same way.

Further information is available in the Formatting Guide MT101 (PDF, 284 KB) .

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Structured addresses in payment orders

Background

Who needs to do something?

Options for structuring address data when creating the files with your own software

Option I: minimum requirement

Option II: fully structured addresses

Option III: hybrid model

By when does the software need to be updated?

Debtor / Creditor Information

XML structure of minimum requirement

XML structure of recommendation

XML structure of hybrid address

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Option I: minimum requirement

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