Ìmúrasílẹ̀ ISO 20022 fún 2026

Ọjọ́ 107 sí 14 November 2026, ní 2026-07-30.

Láti ọjọ́ yẹn, àwọn àdírẹ́sì ìfìwéránṣẹ́ tí kò ní ètò rárá kò ní jẹ́ ìtẹ́wọ́gbà mọ́ nínú àwọn ìránṣẹ́ ìsanwó SWIFT CBPR+ àti nípasẹ̀ ilé-ìkàwé ìjẹ́rìísí CHAPS ti Bank of England. Ní ọjọ́ kan náà, ìyípadà méjì mìíràn tún bẹ̀rẹ̀, ìtòlẹ́sẹẹsẹ tí ó tóbi jù yóò sì tẹ̀lé ní November 2027.

Òfin kọ̀ọ̀kan nísàlẹ̀ ní ìdámọ̀, ọjọ́ ìbẹ̀rẹ̀, orísun tí ó ní àṣẹ àti fáìlì ìdánwò — kò sí ohun tí a gbọ́dọ̀ gbà gbọ́ lásán níhìn-ín.

Ṣé ó kàn ọ́?

Ó kàn ọ́ bí o bá ń fi àwọn ìsanwó CBPR+ tàbí CHAPS tí ó ní àdírẹ́sì ìfìwéránṣẹ́ fún ẹgbẹ́ èyíkéyìí ránṣẹ́.

Ohun tí ó ń yí padà gan-an

Ìbéèrè náà jẹ́ èyí tí ó kéré jùlọ, kì í ṣe èyí tí ó pọ̀ jùlọ. Èyí ni apá tí a sábà ń ṣàìlóye jùlọ.

Ìrísí	TwnNm	Ctry	AdrLine	Ṣáájú 14 Nov 2026	Láti ọjọ́ yẹn
Onítọ̀nà pátápátá	Ó wà	Ó wà	Kò sí	Ìtẹ́wọ́gbà	Ìtẹ́wọ́gbà
Àkópọ̀	Ó wà	Ó wà	Ó wà	Ìtẹ́wọ́gbà	Ìtẹ́wọ́gbà
Aláìní ètò pátápátá	Kò sí	Kò sí	Ó wà	Ìtẹ́wọ́gbà	Ìkọ̀sílẹ̀

Kò pọn dandan kí o gbé ojú-ọ̀nà, nọ́mbà ilé àti kóòdù ìfìwéránṣẹ́ lọ sínú àwọn èròjà tí ó ní ètò. Ìlú nínú àti orílẹ̀-èdè nínú gẹ́gẹ́ bí kóòdù ISO 3166 oníléta méjì ti tó. Ìyókù lè wà nínú àwọn ìlà àdírẹ́sì: àdírẹ́sì àkópọ̀ ni èyí, ó sì ṣì wúlò.

Full detail, with worked examples →

Ṣàyẹ̀wò dátà rẹ nísinsìnyí

Irinṣẹ́ méjì, gbogbo wọn ń ṣiṣẹ́ pátápátá nínú aṣàwákiri rẹ. A kò fi dátà ìsanwó kankan ránṣẹ́.

• 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.

Àwọn fáìlì ìdánwò

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

Gbogbo àwọn ọjọ́ pàtàkì, kì í ṣe èyí nìkan

November 2026 kì í ṣe òpin àwọn ìyípadà ISO 20022. Láti ọjọ́ yẹn Swift yóò yí padà sí ìyípo Standards Release ọlọ́dọọdún, nítorí náà àwọn ìtọ́sọ́nà ìlò yóò yí padà lọ́dọọdún.

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 →

Ohun tí a gbọ́dọ̀ ṣàyẹ̀wò, gẹ́gẹ́ bí ipa

Ìmọ̀-ẹ̀rọ

• 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.

Dátà

• 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.

Ìdánwò

• 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.

Ìṣiṣẹ́

• 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.

Ìṣàkóso

• 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.

Ìyàtọ̀ láàrin àwọn ètò

	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

Àwọn orísun

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.

Orísun	Olùtẹ̀jáde	Àkọsílẹ̀	Àyẹ̀wò
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/.