Ƙayyadaddun lokacin adireshin da aka tsara na Nuwamba 2026

SWIFT na buƙatar adireshi na gidan waya masu tsari a cikin saƙonnin biyan kuɗi na ƙetare iyaka daga Nuwamba 2026. Menene ke canzawa, waɗanne saƙonni ne abin ya shafa, da yadda pacs008 ke taimaka wa ƙungiyoyi su shirya.

Menene ke canzawa

Wannan buƙata ce mafi ƙaranci, ba mafi girma ba. Daga 14 ga Nuwamba 2026, ɓangaren da abin ya shafa dole ne ya sanya birni a TwnNm da ƙasa a Ctry a matsayin lambar ISO 3166 mai haruffa biyu. Titi, lambar gini da lambar gidan waya na iya kasancewa a layukan adireshi: wannan adireshin gauraye ne kuma ana karɓarsa. Abin da aka cire shi ne kawai adireshin da ba shi da tsari gaba ɗaya — wato dukkan adireshin a matsayin rubutu mai 'yanci ba tare da birni da ƙasa masu tsari ba. Cibiyoyin da aka gano ta BIC kaɗai ba abin ya shafa ba.

Me ya sa wannan yana da muhimmanci

• Adireshi marasa tsari suna ƙara yawan gyare-gyare na hannu kuma suna jinkirta sarrafa kai tsaye.
• Adireshi masu tsari suna inganta daidaiton tantance takunkumi ta hanyar raba sunan ɓangare daga bayanan wurin.
• Buƙatun doka da na tsarin suna ƙara tilasta bayanan da ke da tsari don bin doka da ba da rahoto.
• Adadin ƙin biyan kuɗi na ƙetare iyaka yana ƙaruwa idan ingancin adireshin bai cika tsammanin abokin ciniki ba.

Waɗanne saƙonni ne abin ya shafa

• pacs.008 — adireshi na gidan waya na mai bashi da mai karɓa a cikin canja wurin kuɗin abokin ciniki.
• pacs.009 — adireshi na cibiyoyi a cikin canja wurin kuɗi tsakanin cibiyoyin kuɗi da biyan kuɗin rufewa.
• pacs.004 — adireshi na ɓangarori a cikin mayar da kuɗi.
• pacs.003 — adireshi na mai karɓa da mai bashi a cikin cire kuɗi kai tsaye na abokin ciniki.

Yadda pacs008 ke taimakawa

• Yana tabbatar da filayen adireshin gidan waya masu tsari da na haɗin gwiwa kafin ƙirƙirar XML.
• Yana nuna bayanan adireshin da ba su da tsari waɗanda za su gaza bayan wa'adin.
• Yana tallafawa duka tsarin haɗin gwiwa kafin wa'adi da tsarin masu tsari kaɗai bayan wa'adi.
• Yana haɗa binciken ingancin adireshi cikin bututun CI da tsarin tabbatar da ayyukan tari.

Normative rules

Generated from the pacs008 rule registry (ruleset 2026.11.0). Each rule has a stable identifier, an effective date, an authoritative source and both a passing and a failing test fixture.

Address formats compared

Format	TwnNm	Ctry	AdrLine	Before 14 Nov 2026	On or after
Fully structured	Present	Present	Absent	Accepted	Accepted
Hybrid	Present	Present	Present	Accepted	Accepted
Fully unstructured	Absent	Absent	Present	Accepted	Rejected

Exceptions

The requirement does not apply to these message types: admi.024, camt.025, camt.052, camt.053, camt.054, camt.060.

Agents identified by BIC alone remain valid without a postal address (CBPR-ADDR-005). Do not add a partial address solely to satisfy the rule.

Test fixtures

Download and run these through the workbench, the CLI or the API. Each maps to the rule it exercises.

• structured-valid.csv — passes CBPR-ADDR-001
• hybrid-valid.csv — passes CBPR-ADDR-001
• unstructured-invalid.csv — fails CBPR-ADDR-001
• hybrid-valid.csv — passes CBPR-ADDR-002
• missing-town-invalid.csv — fails CBPR-ADDR-002
• hybrid-valid.csv — passes CBPR-ADDR-003
• missing-country-invalid.csv — fails CBPR-ADDR-003
• hybrid-valid.csv — passes CBPR-ADDR-004
• agent-bic-only-valid.csv — passes CBPR-ADDR-005
• hybrid-valid.csv — passes CHAPS-ADDR-001
• unstructured-invalid.csv — fails CHAPS-ADDR-001

Jadawalin lokaci

Date	Scheme	Change	Rule
2025-11-22	CBPR+	Hybrid postal address option available	CBPR-ADDR-004
2025-11-22	CBPR+	MT/MX coexistence for payment instructions ends	—
2026-11-14	CBPR+	Fully unstructured postal address rejected	CBPR-ADDR-001
2026-11-14	CHAPS	CHAPS validation library rejects unstructured addresses	CHAPS-ADDR-001
2026-11-14	CBPR+	MT101 interbank coexistence ends; contingency relays to pain.001	—
2026-11-14	Swift	camt.110 investigation requests must be receivable	—
2026-11-14	Swift	Annual Standards Release cycle begins	—
2027-11	CHAPS	Purpose codes mandatory on all payments (announced)	CHAPS-PURP-001
2027-11	CHAPS	Structured remittance information mandatory (announced)	CHAPS-RMT-001
2027-11	Swift	camt.110 and camt.111 both mandatory (announced)	—

Abin da za a yi yanzu

• Bincika ingancin bayanan adireshin yanzu a cikin bayanan mai bashi, mai karɓa, da wakili.
• Taswirar filayen adireshi marasa tsari da ke akwai zuwa tsarin mai tsari (titi, gini, lambar gidan waya, gari, ƙasa).
• Ƙara tabbatar da adireshi zuwa bututun kafin ƙirƙira ta amfani da pacs008.
• Gwada tare da bayanan biyan kuɗi na wakilci kafin wa'adin.

Nassoshi

• SWIFT CBPR+ roadmap and standards programme
• SWIFT CBPR+ ISO 20022 usage-guidelines announcement
• SWIFT CBPR+ migration roadmap PDF