Will my international payment be rejected in November 2026 because of the address?

The wider picture

The key points from the guide this answer comes from:

1. Swift was due to start rejecting payments with fully free-text addresses on 14 November 2026. On 27 August 2026 it deferred that change, and said it would set new timing by December 2026.
2. What still applies: in Swift's ISO 20022 payment messages, the payer's and payee's town and country must be in their own fields.
3. The change is deferred, not cancelled. In July 2026, about 58% of payer addresses in Swift's customer payment messages were still free text, so banks will keep asking for structured addresses.
4. Give payers your registered address split into fields: building number, street, postcode, town and country. Use the same address on invoices, in your bank's records and in your KYB documents.

More questions on this

• What is a structured address?
• Does this affect SEPA payments too?
• What address should I give, my registered or my trading address?

The full guide

Swift deferred its plan to reject fully unstructured addresses from 14 November 2026, and will set new timing by December. Town and country must still be in their own fields, so give payers your registered address split into fields and use it everywhere.

Read Swift's structured address deadline: what the deferral means and what to give payers, with its sources.

General information, not legal, tax or financial advice. Rules and providers' terms change; check the sources in the guide and take advice on your own situation.