{"type":"document","data":{"contentType":"onecms:productPage","flexPageMetadata":{"afmBanner":false,"description":"structured and hybrid address in SEPA XML payment files - suppression of the unstructured address","robotInstruction":{"noFollow":false,"noIndex":false}},"flexZone":{"flexComponents":[{"componentType":"sectionTitle","title":"What is it about ?"},{"componentType":"paragraph","richBody":{"value":"

As of 15 November 2026, addresses included in incoming pain messages must comply with the new requirements. This primarily applies to counterparties:

 

For originators, no action is required. ING will continue to replace the address provided in the XML with the official name and address of the account holder as recorded in our systems.

If SEPA payment files still contain counterparty addresses in an unstructured format, ING will remove these addresses to ensure that payments can continue to be processed smoothly. In general, the counterparty’s address is not mandatory for SEPA transactions. However, an exception applies to SEPA Direct Debit (SDD) transactions involving counterparties outside the European Economic Area (EEA), where the address remains mandatory. 

Although hybrid addresses will remain accepted after this deadline, ING strongly recommends that clients migrate to fully structured addresses as soon as possible. In order to ensure compliance with the applicable requirements and to mitigate any risk of payment rejection or the need for manual remediation, clients are expected to adapt their ERP systems and payment file generation tools in a timely manner to support structured address formats.

"}},{"componentType":"sectionTitle","title":"More details about the formats"},{"accordionList":[{"richBody":{"value":"

The address contains the country code and up to 2 adress lines of maximum 70 characters:

                <PstlAdr>
                                <Ctry>BE</Ctry>
                                <AdrLine>Wetstraat 16</AdrLine>
                                <AdrLine>B-1000 Brussel</AdrLine>
                </PstlAdr>

As of November the 15th, this format won't be accepted anymore.

"},"title":"Unstructured format"},{"richBody":{"value":"

Country code and town name are mandatory, any other structured elements are welcome, adress lines are forbidden:

                <PstlAdr>
                                <StrtNm>Rue de la Loi</StrtNm>
                                <BldgNb>16</BldgNb>
                                <PstCd>1000</PstCd>
                                <TwnNm>Bruxelles</TwnNm>
                                <Ctry>BE</Ctry>
                </PstlAdr>

 

"},"title":"Structured format"},{"richBody":{"value":"

Country code and town name are mandatory, any other structured elements are welcome, up to 2 adress lines are allowed. Repeating a structured element in an address line is not allowed.

                <PstlAdr>
                                <PstCd>1000</PstCd>
                                <TwnNm>Brussel</TwnNm>
                                <Ctry>BE</Ctry>
                                <AdrLine>Wetstraat 16</AdrLine>
                </PstlAdr>

"},"title":"Hybrid format"}],"componentType":"accordion"},{"componentType":"sectionTitle","title":"Additional structured address elements"},{"componentType":"paragraph","richBody":{"value":"

The following table contains the details of the structured elements by file format.

 

MeaningElementPain.001.001.03
Pain.008.001.02		Pain.001.001.09
Pain.008.001.08
Department<Dept>✔️✔️
Sub Department<SubDept>✔️✔️
Street Name<StrtNm>✔️✔️
Building Number<BldgNb>✔️✔️
Building Name<BldgNm> ✔️
Floor<Flr>  ✔️
Post Box<PstBx> ✔️
Room<Room> ✔️
Post Code<PstCd>✔️✔️
Town Name<TwnNm>✔️✔️
Town Location Name<TwnLctnNm> ✔️
District Name<DstrctNm> ✔️
Country Sub Division<CtrySubDvsn>✔️✔️
Country<Ctry>✔️✔️
"}}]},"hasMacro":false,"id":"e3d259a9-7a9a-47ea-a37c-51e8c86955ef","localeString":"en-GB","mainHeaderZone":{"backLink":{"textLink":{"text":"Payments","url":"/en/business/payments"}},"componentType":"productHeader","coreHeader":{"body":"As of 15 November 2026, addresses included in payment files in an unstructured format will no longer be accepted by financial institutions. At a minimum, addresses will need to contain the town name and country in separate fields.","title":"Structured Address for SEPA"}},"publishDate":"2026-06-17T21:00:00.249+02:00"}}