Preparing for ISO 20022

How to Structure Address Data Before November 2026

How are you Navigating ISO 20022?

From the 14^th November 2026, fully unstructured addresses within ISO 20022 payment messages could impact payments. At a minimum, Town Name and Country must be provided in dedicated fields, with the industry moving towards fully structured postal addresses. If your payment data isn’t ready, payments may be delayed or rejected.

At AFD Software, we want to make that transition as smooth and stress-free as possible for you and your team. Here is how we can help get your address and bank data ready for the new ISO 20022 format without the headache.

How AFD Supports Your ISO 20022 Journey

Our trusted data products already come packed with the key components you need to support both structured and hybrid address formats right out of the box:

Granular Fields: Easily capture and store building names, numbers, street names, towns/cities, postal districts, postcodes, countries, and department info separately.
AFD Refiner: Got a legacy database? No problem. Refiner cleanses, standardises, and restructures your existing records into the individual components ISO 20022 demands.
Point-of-Entry API Lookup: Return addresses as individual structured fields from the very start, cutting down on manual reformatting and boosting data quality.

Smarter Bank Validation

Our AFD BankFinder solution doesn’t just verify account details: they also deliver precise bank location information for UK financial institutions.

Because town names and each address element are returned as separate, dedicated fields, you can plug this information directly into your payment workflows. It saves you the high cost and complexity of maintaining separate reference databases while keeping your payments running like clockwork.

Supporting Your ISO 20022 Programme

Capture & Cleanse: Get clean, structured data at the source or fix up your historical databases.
Flexible Mapping: Every ISO 20022 implementation is a bit different. Specific ISO 20022 field requirements may vary between payment schemes, software providers and financial institutions. We provide the robust data you need while giving you total flexibility over how components map into your own applications.
Seamless Integration: Easily plug our solutions into your existing CRMs, apps, and payment workflows.

Ready to get ahead of the curve?

Whether you need help adjusting to specific field-naming conventions or want a tailored approach for your payment systems, our data quality experts are here to help.

Call us today on 0333 433 0711.