There is no single worldwide date for the end of unstructured payment addresses. The EPC’s decision on 9 September 2026 supersedes the earlier statement that its 15 November deadline still stood. The Swiss timetable must be read separately.
Checked on 10 September 2026. The EPC decision of 9 September maintains unstructured addresses beyond 15 November 2026 under all five payment schemes; the new end date is to be set in October. Swift’s announcement of 27 August defers the payments changes without a replacement address date, with an update by December at the latest. SIX still publishes its separate Swiss timetable.
Position by payment rail
| Rail | Published position | Source review |
|---|---|---|
| SIX, Swiss Payment Standards | 14 November 2026 for structured or hybrid addresses when an address is used; execution date before 14 November for unstructured addresses | SIX public page checked on 10 September 2026 |
| EPC, all five payment schemes | Unstructured addresses remain supported beyond 15 November 2026; a replacement date is to be decided in October | PSMB decision of 9 September, read on 10 September 2026 |
| Swift, CBPR+ payments | November 2026 payments changes postponed; no new address date in the announcement; update by December at the latest | Announcement of 27 August, read on 10 September 2026 |
| Eurosystem T2, R2026.NOV | The earlier record names 14 November 2026 and rule Y058; it does not establish the effect of the later EPC decision | Specifications dated 3 August, last reviewed here on 2 September 2026 |
| Fedwire Funds Service | The earlier record names a deferral to November 2027, with the exact date to follow; its older format FAQ still names 16 November 2026 | FRFS pages last reviewed here on 2 September 2026 |
| Bank of England, CHAPS | The earlier record describes an expected twelve-month deferral, subject to confirmation | Bank of England page last reviewed here on 2 September 2026 |
The last three rows retain the date of their earlier source review. Confirm those operators’ latest announcements before fixing a migration date; an EPC or Swift postponement is not an automatic change to another rail.
Keep the historical dates separate
22 November 2026 was an earlier EPC deadline. The EPC’s guidance version 2.1 changed it to 15 November 2026. The September 2026 decision now postpones that later date too. Neither should be presented as the current EPC end date.
October 2025 and November 2025 concern earlier changes. EPC guidance allows hybrid addresses from 5 October 2025. SIX introduced hybrid addresses in Swiss payment orders in November 2025; its QR-bill standard separately removed combined type K addresses. A QR-bill’s address rules and a payment order’s address rules are not interchangeable.
What this means if you issue Swiss payment files
SIX still publishes 14 November 2026 for the address requirements applicable to Swiss payment orders when an address is used. Prepare supplier data in a format supported by the relevant payment rail, then check your bank’s requirements. A delay announced by another operator does not by itself change this timetable.
For QR-bills the question is already settled: the combined address (type K) left the standard in November 2025, and only the structured type S remains.
Three things on this site help, free of charge: POST /v1/address/check tells you whether an address you have structured passes the Swiss, HVPS+ or Fedwire rules, each finding naming its document; POST /v1/ch/qr-bill/check reads a whole QR-bill and says whether its addresses are type S or still type K, with the structured form proposed; and the creditor file audit runs both over an entire creditor file.
Sources and review dates
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EPC, decision of 9 September 2026, read on 10 September: EPC delays address format migration timeline.
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SIX, factsheet "New Requirements QR-bill: Need for Action for SMEs", 19 August 2025: "The new requirements for the QR-bill come into force on 22 November 2025. The most important adjustment is the sole support of the structured address (address type S)." The QR-bill Implementation Guidelines 2.3 carry "valid from 21 November 2025" on their cover; the one-day difference is never explained.
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SIX, factsheet "Adjustment of Addresses in Payment Orders and Migration to ISO 20022 Message Versions: Need for Action for SMEs", 19 August 2025: "Payments that do not meet the new requirements can no longer be processed from 14 November 2026." and "Financial institutions must ensure that existing standing orders and templates are adjusted by 13 November 2026 at the latest."
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SIX, Swiss Business Rules SPS 2026 version 3.3 and Swiss Implementation Guidelines Credit Transfer SPS 2026 version 2.3, both dated 20 February 2026, "valid from 14 November 2026".
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Swift, news of 27 August 2026, "Swift accepts community request to extend structured address migration for ISO 20022 payment messages". The March 2026 article "ISO 20022 milestone for November 2026" now carries a banner pointing to it, its body unchanged.
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European Central Bank, T2 RTGS User Detailed Functional Specifications R2026.NOV, cover note of 3 August 2026, rule Y058 "Town Name And Country Rule"; release calendar "Start release deployment of T2 R2026.NOV to Production", 14 November 2026.
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Federal Reserve Financial Services, Fedwire Funds Service ISO 20022 format FAQ ("As of Nov 16") and "November 2027 Release Frequently Asked Questions" ("rescheduled its Fedwire Funds release to November 2027").
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European Payments Council, SCT rulebook EPC125-05 and SCT Inst rulebook EPC004-16, 2025 version 1.1, 5 October 2025 (archived copies of 20 August 2026; the site answers 403 directly).
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Bank of England, "ISO 20022" page of the RTGS renewal programme, updated after 27 August 2026: "Our current expectation is that implementation will be deferred by 12 months ... This approach remains subject to confirmation and validation."
We will update this page when the EPC or Swift publishes a new address deadline. If you hold a document that contradicts a line above, write to support@ibanforge.com with the document: the point of this page is to be right, not first.