From 15 November 2026, unstructured postal addresses will not be accepted. If an address does not follow the rules below, it will be removed and the payment will be sent without an address.

Address is still optional in Swedish domestic payments. But if provided, it must be either:

1. Structured address (preferred)
   • Mandatory: 'Town Name' and 'Country'
   • 'Address Line' not allowed
   • Use other structured elements (Street, Postcode, etc.) where possible.
2. Hybrid address
   • Mandatory: 'Town Name' and 'Country'
   • At least one 'Address Line' required.

   We recommend customers in the region to use the ISO 20022 XML (pain.001) format and switch to structured or hybrid postal addresses for Swedish domestic payments.

    

From 15 November 2026, unstructured postal addresses will not be accepted in cross-border payments. If an address does not follow the rules below, the payment may be rejected or delayed.

Address is still optional in cross-border payments. But if provided, it must be either:

1. Structured address (preferred)
   • Mandatory: 'Town Name' and 'Country'
   • 'Address Line' not allowed
   • Use other structured elements (Street, Postcode, etc.) where possible.
2. Hybrid address
   • Mandatory: 'Town Name' and 'Country'
   • Up to two 'Address Line' fields may be used (for example, street name or building number).

Payments with only unstructured address fields (free-text address lines without the mandatory structured fields) will no longer be accepted from 15 November 2026 and may be rejected or delayed.

We recommend that you review your payment systems and get ready to use structured or hybrid addresses in all relevant Danske Bank payment channels. Where an address is required, include at least town name and country code.

For some countries, the beneficiary address must be included in the payment. In those cases, the address must be in the structured or hybrid format. See the list of countries in the Q&A section below.

From 15 November 2026, unstructured postal addresses will not be accepted. If an address does not follow the rules below, it will be removed and the payment will be sent without an address.

Address is still optional in SEPA payments. But if provided, it must be either:

1. Structured address (preferred)
   • Mandatory: 'Town Name' and 'Country'
   • 'Address Line' not allowed
   • Use other structured elements (Street, Postcode, etc.) where possible.
2. Hybrid address
   • Mandatory: 'Town Name' and 'Country'
   • At least one 'Address Line' required.

We recommend customers in the region to use the ISO 20022 XML (pain.001) format and switch to structured or hybrid postal addresses for SEPA payments.

From 15 November 2026, unstructured addresses will not be accepted for SEPA Direct Debit payments. If an address does not follow the rules below, Danske Bank will reject the transaction.

For SEPA Direct Debit via files

• For transactions to non-EEA countries, the debtor’s address must be included. For transactions to EEA countries, the debtor’s address is not required.
• Debtor (payer) and creditor (beneficiary) addresses must be provided in either structured or hybrid format.
  

1. Structured address (preferred)
   • Mandatory: 'Town Name' and 'Country'
   • 'Address Line' not allowed
   • Use other structured elements (Street, Postcode, etc.) where possible.
2. Hybrid address
   • Mandatory: 'Town Name' and 'Country'
   • At least one 'Address Line' required.

We recommend that you switch to the latest version of the pain.008 file format for SEPA Direct Debit. When you do so, there will also be changes to the pain.002 status file format for SEPA Direct Debit and the camt.055 file format for cancellations.

For SEPA Direct Debit payments created in District

Please make sure that debtor addresses are updated to the structured format via the new ‘Edit debtor’ screen in District.

Debtors without a structured address will not appear in the mandate selection drop‑down when you create a collection.

We expect the screen to be ready in the summer of 2026 so that you can make the updates before 15 November 2026.

From November 2026, unstructured postal addresses will not be accepted in Polish high-value domestic payments. If an address does not follow the rules below, the payment will be rejected.

Address is still optional in Polish high-value domestic payments. But if provided, it must be either:

1. Structured address (preferred)
   • Mandatory: 'Town Name' and 'Country'
   • 'Address Line' not allowed
   • Use other structured elements (Street, Postcode, etc.) where possible.
2. Hybrid address
   • Mandatory: 'Town Name' and 'Country'
   • At least one 'Address Line' required.

For payments of PLN 1,000,000 or more, country-specific formats PLI/PLE cannot be used, as they only support unstructured addresses. Such payments will be rejected. Exceptions are payments of PLN 1,000,000 or more to Tax Revenue Offices (TAX) and The Social Security Office (ZUS), which are processed via low-value domestic clearing. Such payments can still be sent in PLI/PLE. For low-value payments under PLN 1,000,000, PLI/PLE formats can still be used until around 2028.

We recommend customers in the region to use the ISO 20022 XML (pain.001) format and switch to structured or hybrid postal addresses for Polish domestic payments.

From 15 November 2026, unstructured postal addresses will not be accepted. If an address does not follow the rules below, it will be removed and the payment will be sent without an address.

Address is still optional in Danish domestic instant payments. But if provided, it must be either:

1. Structured address (preferred)
   • Mandatory: 'Town Name' and 'Country'
   • 'Address line' not allowed
   • Use other structured elements (Street, Postcode, etc.) where possible.
2. Hybrid address
   • Mandatory: 'Town Name' and 'Country'
   • At least one 'Address Line' required.

We recommend customers in the region to use the ISO 20022 XML (pain.001) format and switch to structured or hybrid postal addresses for Danish domestic, instant payments.

From 15 November 2026, unstructured postal addresses will not be accepted in CHAPS payments. If an address does not follow the rules below, the payment will be rejected.

Address is still optional in CHAPS payments. But if provided, it must be either:

1. Structured address (preferred)
   • Mandatory: 'Town Name' and 'Country'
   • 'Address Line' not allowed
   • Use other structured elements (Street, Postcode, etc.) where possible.
2. Hybrid address
   • Mandatory: 'Town Name' and 'Country'
   • At least one 'Address Line' required.

We recommend customers in the region to use the ISO 20022 XML (pain.001) and switch to structured or hybrid postal addresses for CHAPS payments.

Changes in postal address requirements are expected from April 2027. Details will be provided later.