Kahandaan sa ISO 20022 para sa 2026

107 araw bago ang 14 Nobyembre 2026, sa 2026-07-30.

Mula sa petsang iyon, hindi na tatanggapin ang ganap na hindi nakabalangkas na postal address sa mga mensahe ng bayad na SWIFT CBPR+ at ng CHAPS validation library ng Bank of England. Sa parehong araw ay may dalawa pang pagbabago, at susunod ang mas malaking hanay sa Nobyembre 2027.

Bawat panuntunan sa ibaba ay may pagkakakilanlan, petsa ng bisa, awtoritatibong pinagmulan, at test file — walang dito ang kailangang basta paniwalaan.

Naaapektuhan ka ba nito?

Kasama ka sa saklaw kung nagpapadala ka ng mga bayad na CBPR+ o CHAPS na naglalaman ng postal address para sa kahit sinong partido.

Ano talaga ang nagbabago

Ang kinakailangan ay pinakamababa, hindi pinakamataas. Ito ang bahaging pinakamadalas na mali ang pagkakaintindi.

Format	TwnNm	Ctry	AdrLine	Bago ang 14 Nob 2026	Mula sa petsang iyon
Ganap na nakabalangkas	Naroon	Naroon	Wala	Tinatanggap	Tinatanggap
Hybrid	Naroon	Naroon	Naroon	Tinatanggap	Tinatanggap
Ganap na hindi nakabalangkas	Wala	Wala	Naroon	Tinatanggap	Tinatanggihan

Hindi kailangang ilipat ang kalye, numero ng gusali at postal code sa mga nakabalangkas na elemento. Sapat na ang lungsod sa at ang bansa sa bilang dalawang-titik na ISO 3166 code. Ang iba ay maaaring manatili sa mga linya ng address: hybrid na address iyon at nananatiling wasto.

Full detail, with worked examples →

Suriin ang iyong datos ngayon

Dalawang kasangkapan, parehong tumatakbo nang buo sa iyong browser. Walang datos ng bayad na ipinapadala.

• Batch address scan — upload a CSV of party addresses and get a readiness score, a breakdown by party, and a downloadable remediation list of the records that would fail.
• XSD validation — check an existing message against the official schema for element order, cardinality and datatypes.

Mga test file

Run these through the workbench, the CLI or the API. Each maps to the rule it exercises, so you can confirm your pipeline reacts the way you expect.

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

Lahat ng takdang petsa, hindi lang ito

Hindi katapusan ng mga pagbabago sa ISO 20022 ang Nobyembre 2026. Mula sa petsang iyon, lilipat ang Swift sa taunang Standards Release cycle, kaya taun-taon magbabago ang mga patnubay sa paggamit.

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)	—

Dated change log and feed →

Ano ang susuriin, ayon sa tungkulin

Engineering

• Find every place an address is concatenated into a single line before it reaches the message. That is usually where the problem is.
• Model town and country as separate fields end to end, not just at the boundary.
• Add CBPR-ADDR-001 to CBPR-ADDR-003 to your pre-submission validation, with the effective date, so failures surface before 14 November rather than on it.
• Add a negative test that a fully unstructured address is rejected. A rule you have never seen fire is a rule you cannot rely on.

Datos

• Measure how many records are missing a structured town or country now, so the remediation effort is a number rather than a guess. The batch scan produces exactly this.
• Identify the authoritative source per field. Addresses often arrive from several systems with different conventions.
• Country must be a two-letter ISO 3166 code. GB, not United Kingdom or GBR — CBPR-ADDR-003 fails on the latter two.

Pagsusuri

• Test the day before, the day of, and the day after the effective date. Effective-date logic is where date-boundary bugs live.
• Test CBPR+ and CHAPS separately. They are modelled as distinct rules here for a reason.
• Include a hybrid address in the passing set. A test suite that only accepts fully structured addresses will reject valid traffic.

Operasyon

• Know what a rejection for this reason will look like in your monitoring, and who triages it.
• Confirm your counterparties' readiness, not only your own. A compliant message can still fail if the receiving side is not ready.

Pamamahala

• The exposure is the count of records that would fail today, not the count of systems. Ask for the number.
• Note the 2027 obligations below. Teams that treat November 2026 as the finish line will repeat this work in twelve months.

Pagkakaiba ng mga scheme

	SWIFT CBPR+	Bank of England CHAPS
Unstructured rejected	14 November 2026	14 November 2026
Minimum acceptable	Hybrid	Hybrid
Enforced by	CBPR+ usage guidelines	CHAPS validation library
Purpose codes	Not mandated by this change	Mandatory for all payments from November 2027
Structured remittance	Not mandated by this change	Mandatory from November 2027
Rules here	CBPR-ADDR-001 – 006	CHAPS-ADDR-001, CHAPS-PURP-001, CHAPS-RMT-001

Mga sanggunian

Every rule on this page derives from one of these. Rules marked announced are published intentions whose exact date should be re-verified before you rely on them.

Pinagmulan	Naglathala	Dokumento	Nasuri
SWIFT-ADDR-2026	S.W.I.F.T. SC	SWIFT CBPR+ Removal of Unstructured Address Guidelines	2026-07-28
BOE-CHAPS-2026	Bank of England	Policy Statement — Mandating ISO 20022 Enhanced Data in CHAPS	2026-07-28
ISO-20022-PACS008-13	ISO 20022 Registration Authority	Financial Innovation & Transfer — pacs.008.001.13 Message Definition	2026-07-28

pacs008.com is not the official ISO 20022 website. The sole source of up-to-date materials and information on ISO 20022 message standards and the Repository is https://www.iso20022.org/.