Important updates that require action

Prepare for ISO 20022 address changes

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You are required to adopt mandatory structured recipient addresses in ISO 20022 format. See below for the requirements and implementation dates.

This is part of the global ISO 20022 migration adopted by global regulators and payment industry bodies, including the G20, ECB, and SWIFT. It means that you must submit recipient address details using dedicated fields that comply to international standards, such as street name, city and country.

Structured addresses improve compliance screening, reduce payment delays and failures, and increase automation across international payment flows.

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If you have any questions or need further clarification, contact Support.

When is the deadline?

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From the following dates, Vitesse will not process payments submitted without a required structured address.

Hub	Payment Type	Effect date	Currency Details
US Hub	USD, MXN, and CAD payments	1 January 2026	Payments US Hub
UK Hub	USD payments to the US	30 April 2026	Domestic payments coverage
UK Hub	All SWIFT payments	2 November 2026	SWIFT payments coverage

What you need to do

Review your internal systems and workflows, including batch files and API transaction payloads, to ensure they support ISO 20022-compatible structured recipient addresses for all applicable payments.

Early adoption will help you transition smoothly and maintain payment processing efficiency.

See below for affected currencies and their address requirements.

For API and batch file formatting requirements, see Structured addresses.

Which payments require a structured recipient address?

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US Hub: A structured recipient address is mandatory for all payments instructed from the US Hub.
UK Hub: Only the currencies listed below require a structured recipient address.

UK Hub structured address requirements by currency

The following currencies require a structured recipient address for payments instructed from the UK Hub. Currencies not listed here do not currently require structured address.

Requirement	Description
All payments	A structured recipient address is required for every payment in this currency, whether sent domestically or cross-border.
Cross-border only	A structured recipient address is required only for payments sent outside the currency's domestic country or, for EUR, outside the SEPA region.

Currency	Requirement
AED	All payments
ALL	All payments
AMD	All payments
AUD	Cross-border only
AZN	All payments
BAM	All payments
BBD	All payments
BDT	All payments
BHD	All payments
BMD	All payments
BSD	All payments
BWP	All payments
CAD	Cross-border only
CHF	All payments
CNY	All payments
CVE	All payments
CZK	All payments
DJF	All payments
DKK	Cross-border only
DZD	All payments
EGP	All payments
ETB	All payments
EUR	Cross-border only
FJD	All payments
GEL	All payments
GHS	All payments
GBP	Cross-border only
GYD	All payments
HKD	Cross-border only
HUF	Cross-border only
ILS	All payments
INR	All payments
ISK	All payments
JMD	All payments
JOD	All payments
JPY	All payments
KES	All payments
KHR	All payments
KWD	All payments
KYD	All payments
KZT	All payments
LKR	All payments
MAD	All payments
MGA	All payments
MNT	All payments
MOP	All payments
MUR	All payments
MXN	Cross-border only
MZN	All payments
NAD	All payments
NGN	All payments
NOK	Cross-border only
NZD	Cross-border only
OMR	All payments
PGK	All payments
PHP	All payments
PKR	All payments
PLN	Cross-border only
QAR	All payments
RON	Cross-border only
RSD	All payments
RWF	All payments
SAR	All payments
SCR	All payments
SEK	Cross-border only
SGD	All payments
SRD	All payments
SZL	All payments
THB	All payments
TJS	All payments
TND	All payments
TOP	All payments
TRY	Cross-border only
TWD	All payments
TZS	All payments
UGX	All payments
USD	All payments
VND	All payments
WST	All payments
XAF	All payments
XOF	All payments
ZAR	Cross-border only
ZMW	All payments