T342 · EU IPR · ISO 20022 · AP2 Export

EU Instant Payments Regulation: ISO 20022 Structured Address Field Validator

Validates whether EU payment messages comply with the November 2026 ISO 20022 structured address field mandate under the EU Instant Payments Regulation. From 9 November 2026, all PSPs in the eurozone must use structured address fields (TownName, PostCode, StreetName) in SEPA Instant Credit Transfer messages: replacing unstructured AdrLine free-text blocks.

Mandatory 9 Nov 2026 EU IPR (EU) 2024/886 pacs.008 · SCT Inst · EPC Rulebook Client-Side · Zero PII · CC BY 4.0

9 November 2026 Structured address fields mandatory for all SEPA Instant payments ● Hard deadline

Now Testing with EBA CLEARING / STET RT1 recommended: 6-month lead time ● Act now

Ongoing EPC SCT Inst Rulebook 2024 v1.1: pacs.008.001.10 message standard ● In force

🔒 All inputs are processed locally in your browser. No data is transmitted. Do not enter real personal data — use synthetic or anonymised inputs only.

Step 01 Current Address Field Format Assessment

Current address field format in payment messages How your pacs.008 messages currently populate address fields

Volume of payments with unstructured addresses (% of total) Percentage of payment messages using AdrLine free-text blocks

Institution type

Message standard currently used

Step 02 Sample Address Block (Optional: for field-level check)

Paste a representative address block from your payment messages to check field usage. Use synthetic/anonymised data only. The tool will identify AdrLine vs structured field usage.

Address block (XML snippet or field list)

Step 03 Migration Readiness & Timeline

Migration project started?

Testing environment ready?

Core banking / payment system vendor engaged?

Counterparty / correspondent bank coordination done?

ISO 20022 Structured Address Compliance Assessment

Days to 9 November 2026 deadline

EU IPR Art.5a structured address mandate

days remaining

Migration Readiness Score

Address format

Volume remediated

Migration project

Testing readiness

Counterparty alignment

Overall readiness -

Compliance Checks

Required pacs.008 Address Field Mapping

Legacy field (AdrLine)	Structured replacement	ISO 20022 path	Required?	Notes
AdrLine[1]: street/number	StrtNm + BldgNb	PstlAdr/StrtNm	Mandatory	Split free-text into street name and building number
AdrLine[2]: city/postcode	TwnNm + PstCd	PstlAdr/TwnNm	Mandatory	Town/city name and postcode are separate structured fields
AdrLine[n]: country	Ctry (ISO 3166-1)	PstlAdr/Ctry	Mandatory	2-letter ISO country code required: not full country name
AdrLine[n]: region	CtrySubDvsn	PstlAdr/CtrySubDvsn	Optional	State/province/region: optional but recommended for non-EU counterparties
AdrLine (unstructured)	NOT PERMITTED	PstlAdr/AdrLine	Prohibited from Nov 2026	AdrLine free-text blocks prohibited in SEPA Instant pacs.008 from 9 Nov 2026

AP2 v1.0 · @ainumbers.co/eu-ipr-iso20022-address-v1

Regulatory Sources

[1]EU Instant Payments Regulation (EU) 2024/886: Art.5a: structured address field requirements for SEPA Instant Credit Transfers, effective 9 November 2026

[2]EPC SCT Inst Rulebook 2024 v1.1: Annex III: ISO 20022 message requirements, pacs.008 address field specifications

[3]ISO 20022 pacs.008.001.10: FIToFICustomerCreditTransfer message standard: PostalAddress structured fields

[4]SWIFT Structured Address Migration Guidelines (2025): industry implementation guidance for AdrLine-to-structured field transition

[5]EBA CLEARING RT1 / STET TIPS: technical testing specifications for structured address validation, Q2 2026