{"id":5241,"date":"2026-06-17T09:00:00","date_gmt":"2026-06-17T07:00:00","guid":{"rendered":"https:\/\/www.betaalvereniging.nl\/en\/?post_type=btv_wiki&#038;p=5241"},"modified":"2026-06-23T10:49:13","modified_gmt":"2026-06-23T08:49:13","slug":"structured-iso-20022-address","status":"publish","type":"btv_wiki","link":"https:\/\/www.betaalvereniging.nl\/en\/knowledge-base\/standards-in-payments\/iso-20022\/structured-iso-20022-address\/","title":{"rendered":"Structured ISO 20022  address information"},"content":{"rendered":"\n<p>Starting October 14 and 15 of 2026, unstructured address data will no longer be permitted in credit transfer and direct debit orders submitted by companies and institutions to their payment service providers. Fully structured ISO 20022 address information is preferred; some payment service providers support hybrid address data (partially structured) in credit transfer and direct debit orders as a temporary transitional solution.<\/p>\n\n\n\n<p>Business customers of payment service providers can submit these orders in so-called &#8216;pain.001&#8217; files for credit transfers or &#8216;pain.008&#8217; files for direct debits.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-fully-structured-address-data\">Fully structured address data<\/h3>\n\n\n\n<p>Fully structured ISO 20022 address data in pain.001 and pain.008 files for payment service providers are preferred. In this format, the various components of each address are all listed in separate fields for each order: street name, house number, ZIP code, city name, and country code. No address data is included in free-form address lines. This applies specifically to the addresses for recipients of credit transfers and for payers of direct debits.<\/p>\n\n\n\n<p>These are the ISO 20022 XML elements that can be used for this purpose:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>&lt;StrtNm&gt;<\/strong> (street name)<\/li>\n\n\n\n<li><strong>&lt;BldgNb&gt;<\/strong> (building or house number)<\/li>\n\n\n\n<li><strong>&lt;PstCd&gt;<\/strong> (postal code or ZIP code)<\/li>\n\n\n\n<li><strong>&lt;TwnNm&gt;<\/strong> (town name)<\/li>\n\n\n\n<li><strong>&lt;Ctry&gt;<\/strong> (ISO 3166-1 two-character country code)<\/li>\n<\/ul>\n\n\n\n<p><strong>In a fully structured address, the &lt;AdrLine&gt; XML element must not be used (Address Line).<\/strong><\/p>\n\n\n\n<p>The minimum required two XML elements that must always be included in a fully structured address are <strong>&lt;TwnNm&gt;<\/strong> and <strong>&lt;Ctry&gt;<\/strong>.<\/p>\n\n\n\n<p><strong><span style=\"text-decoration: underline\">ISO 20022 XML example of a fully structured address:<\/span><\/strong><\/p>\n\n\n\n<pre class=\"wp-block-code\"><code>\n&lt;PstlAdr&gt;<\/code><\/pre>\n\n\n\n<pre class=\"wp-block-code\"><code>   &lt;StrtNm&gt;<strong>Example Street<\/strong>&lt;\/StrtNm&gt;<\/code><\/pre>\n\n\n\n<pre class=\"wp-block-code\"><code>   &lt;BldgNb&gt;<strong>123<\/strong>&lt;\/BldgNb&gt;<\/code><\/pre>\n\n\n\n<pre class=\"wp-block-code\"><code>   &lt;PstCd&gt;<strong>1234 AB<\/strong>&lt;\/PstCd&gt;<\/code><\/pre>\n\n\n\n<pre class=\"wp-block-code\"><code>   &lt;TwnNm&gt;<strong>Example Town<\/strong>&lt;\/TwnNm&gt;<\/code><\/pre>\n\n\n\n<pre class=\"wp-block-code\"><code>   &lt;Ctry&gt;<strong>NL<\/strong>&lt;\/Ctry&gt;<\/code><\/pre>\n\n\n\n<pre class=\"wp-block-code\"><code>&lt;\/PstlAdr&gt;<\/code><\/pre>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-hybrid-address-data\">Hybrid address data<\/h3>\n\n\n\n<p>Some payment service providers support hybrid ISO 20022 address data in pain.001 and pain.008 order files as a temporary transitional solution, until fully structured address data are implemented.<\/p>\n\n\n\n<p>These two ISO 20022 XML elements are always required in a hybrid address (just as they are in a fully structured address):<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>&lt;TwnNm&gt;<\/strong> (town name)<\/li>\n\n\n\n<li><strong>&lt;Ctry&gt;<\/strong> (ISO 3166-1 two-character country code)<\/li>\n<\/ul>\n\n\n\n<p>If so desired, these two fields can be supplemented with other (structured) address fields and one or two <strong>&lt;AdrLine&gt;<\/strong> free-form address lines.<\/p>\n\n\n\n<p><strong>An address component must never appear twice in a hybrid address. <\/strong>Therefore, if a structured address field is submitted in a hybrid address \u2014 such as the <strong>&lt;PstCd&gt;<\/strong> postal code \u2014 that same component must not also appear in an <strong>&lt;AdrLine&gt;<\/strong> free-form address line. Clearly, the <strong>&lt;TwnNm&gt;<\/strong> town name and <strong>&lt;Ctry&gt;<\/strong> country code must never appear in an <strong>&lt;AdrLine&gt;<\/strong> free-form address line.<\/p>\n\n\n\n<p><strong><span style=\"text-decoration: underline\">ISO 20022 XML example of a hybrid address:<\/span><\/strong><\/p>\n\n\n\n<pre class=\"wp-block-code\"><code>\n&lt;PstlAdr&gt;\n   &lt;AdrLine&gt;<strong>Example Street 123<\/strong>&lt;\/AdrLine&gt;\n   &lt;PstCd&gt;<strong>1234 AB<\/strong>&lt;\/PstCd&gt;\n   &lt;TwnNm&gt;<strong>Example Town<\/strong>&lt;\/TwnNm&gt;\n   &lt;Ctry&gt;<strong>NL<\/strong>&lt;\/Ctry&gt;\n&lt;\/PstlAdr&gt;<\/code><\/pre>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-unstructured-address-data\">Unstructured address data<\/h3>\n\n\n\n<p>Unstructured ISO 20022 address data (fully unstructured) in pain.001 and pain.008 files for payment service providers <strong>will no longer be permitted for global non-SEPA transfers as of October 14, 2026<\/strong>. <strong>Starting the following day (October 15), these will also no longer be permitted for European SEPA credit transfers and direct debits.<\/strong><\/p>\n\n\n\n<p>In the case of an unstructured address, all parts of the address are included in one or more <strong>&lt;AdrLine&gt;<\/strong> free-form address lines.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-more-information\">More information&#8230;<\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li><a href=\"https:\/\/www.betaalvereniging.nl\/en\/news\/payment-orders-with-unstructured-address-data-will-be-rejected-starting-november-14-or-15-2026\/\">&#8216;Payment orders with unstructured address data will be rejected starting November 14 or 15, 2026&#8217;<\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/www.europeanpaymentscouncil.eu\/document-library\/guidance-documents\/epc-guidance-document-provision-addresses-under-epc-payment\" target=\"_blank\" rel=\"noreferrer noopener\">EPC153-22, &#8216;Provision of Addresses under the EPC Payment Schemes&#8217; v2.1<span class=\"sr-only\">(opens in new window)<\/span> <span class=\"icon inline-block ml-1 w-[0.875em]\" aria-hidden=\"true\"><svg aria-hidden=\"true\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"32\" height=\"32\" fill=\"#000000\" viewBox=\"0 0 256 256\"><path d=\"M228,104a12,12,0,0,1-24,0V69l-59.51,59.51a12,12,0,0,1-17-17L187,52H152a12,12,0,0,1,0-24h64a12,12,0,0,1,12,12Zm-44,24a12,12,0,0,0-12,12v64H52V84h64a12,12,0,0,0,0-24H48A20,20,0,0,0,28,80V208a20,20,0,0,0,20,20H176a20,20,0,0,0,20-20V140A12,12,0,0,0,184,128Z\"><\/path><\/svg><\/span><\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/www.swift.com\/swift-resource\/252289\/download\" target=\"_blank\" rel=\"noreferrer noopener\">SWIFT PMPG, &#8216;Hybrid Postal Address&#8217; v1.12<span class=\"sr-only\">(opens in new window)<\/span> <span class=\"icon inline-block ml-1 w-[0.875em]\" aria-hidden=\"true\"><svg aria-hidden=\"true\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"32\" height=\"32\" fill=\"#000000\" viewBox=\"0 0 256 256\"><path d=\"M228,104a12,12,0,0,1-24,0V69l-59.51,59.51a12,12,0,0,1-17-17L187,52H152a12,12,0,0,1,0-24h64a12,12,0,0,1,12,12Zm-44,24a12,12,0,0,0-12,12v64H52V84h64a12,12,0,0,0,0-24H48A20,20,0,0,0,28,80V208a20,20,0,0,0,20,20H176a20,20,0,0,0,20-20V140A12,12,0,0,0,184,128Z\"><\/path><\/svg><\/span><\/a><\/li>\n<\/ul>\n\n\n\n<p><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Starting October 14 and 15 of 2026, unstructured address data will no longer be permitted in credit transfer and direct debit orders submitted by companies and institutions to their payment service providers. Fully structured ISO 20022 address information is preferred; some payment service providers support hybrid address data (partially structured) in credit transfer and direct [&hellip;]<\/p>\n","protected":false},"featured_media":765,"parent":3071,"menu_order":0,"template":"","meta":{"_acf_changed":false,"editor_notices":[]},"btv_subject_tax":[19],"class_list":["post-5241","btv_wiki","type-btv_wiki","status-publish","has-post-thumbnail","hentry","btv_subject_tax-payment-standards"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin  - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>Structured ISO 20022 address information - Dutch Payments Association<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.betaalvereniging.nl\/en\/knowledge-base\/standards-in-payments\/iso-20022\/structured-iso-20022-address\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Structured ISO 20022 address information\" \/>\n<meta property=\"og:description\" content=\"Starting October 14 and 15 of 2026, unstructured address data will no longer be permitted in credit transfer and direct debit orders submitted by companies and institutions to their payment service providers. 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