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Most banks closed the book on ISO 20022 when the MT/MX coexistence period ended in November 2025. Messages migrated. Systems updated. Milestone achieved.
But there's a gap that didn't get fixed, and it's sitting in plain sight across every customer record, every counterparty file, and every legacy database in your institution:
Address data.
The November Deadline
From November 2026, Swift will no longer support unstructured postal addresses in payment messages. This means that your payments containing only free-text address data will be rejected.
Institutions must at least partially structure all of their payment address data. This represents an enormous undertaking, updating systems and structuring troves of customer address information.
What is required?
Unstructured to fully structured transformation
From November, message address details must be either fully structured or in the hybrid partially structured format.
At a minimum, messages are required to have two mandatory structured fields:
Town or City
Country
Why this matters
Failure to make the shift to structured addresses is simply not an option.
With Swift rejecting payments with unstructured addresses from mid-November, non-compliant institutions expose themselves to mass payment rejections that would spell an operational and reputational catastrophe
Failure to act will lead to:
Payment rejections
Manual repair
Higher operational effort
The Solution
To tackle this challenge, IntellectEU has created a solution using AI to convert unstructured address data into structured formats aligned with ISO 20022 requirements.
It helps financial institutions:
Improve data quality
Reduce operational effort
Meet the November Deadline
On Premises. Fully structured. Highly trainable.
👉 Get in touch with our experts to arrange a demo.
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