Validate against the official ISO 20022 schema, see every error in plain English, find addresses that fail the new structured-address rule, and fix them. All without uploading your file.
Runs in your browser. Your file is never uploaded.
Timeline: Swift had planned to reject fully unstructured addresses from 14 November 2026. On 27 August 2026 it postponed the change and will announce the new date by December 2026. The rule itself stays: town and country must sit in their own fields.
Drop a pain.001 XML file here or choose one from your computer. Checked in three steps: readable XML, the official ISO 20022 schema (versions .03 to .13), then the structured-address rule.
See schema errors, address problems and fixes on a demo file with dummy data. Or the , typical of SAP exports.
Paste XML instead
What counts as ready
Address type
What it looks like
Status
Structured
Separate fields, at minimum TwnNm and Ctry; street, building and postcode in StrtNm, BldgNb, PstCd. No AdrLine.
Ready
Hybrid
TwnNm and Ctry in their own fields, plus at most 2 AdrLine of up to 70 characters each.
Ready
Unstructured
Everything in free-text AdrLine fields, with no separate town and country.
Being removed
Agents (banks)
A BIC alone is enough. Without a BIC, give the name with town and country.