What is changing?
Swiss banks are adopting a new international payment standard. Starting in November 2026, the city and country of each beneficiary will be mandatory for executing a transfer, regardless of the payment type.
Previously, this information was optional. From November 2026 onwards, it is mandatory. If a beneficiary's address is incomplete, the transfer will not be executed.
Who is affected?
It applies to you if you have:
- A standing order - an automatic transfer on a fixed date, for example, for rent.
- A recurring transfer to the same beneficiary - such as a reimbursement or financial support for a relative.
- Saved beneficiaries for whom the city or country is missing.
If a beneficiary's city or country is missing from your standing orders, the transfer will no longer be executed starting in November 2026.
Advantages of this change
Better protection against fraud
Comprehensive beneficiary details help detect fraudulent attempts and recipient errors.
Greater transparency for your transactions
You know exactly who you are sending money to, based on verifiable data.
Smoother international payments
This standard is adopted worldwide. Your international transfers are less likely to be rejected.
How to update your standing orders?
Here are the steps to follow in your app:
- Open your CA next bank e-banking app.
- Go to “Payments” and then “Standing orders”.
- Identify any standing orders where the beneficiary's city or country is missing.
- Add the missing information and save.
- Cancel any standing orders that are no longer needed.
If you are unsure about a beneficiary's address, contact them directly to confirm their details.
When to take action?
Update your standing orders before November 2026. A failed transfer can lead to payment delays and difficult situations with your beneficiaries - especially if you have a standing order for your 3rd pillar pension plan or your rent.
A failed transfer can delay your rent payment or contributions to your 3rd pillar plan. Take action before November 2026.