General information on Multiline ISO 20022 change of 15th of November 2026

• As of the 15th of November 2026, Multiline will only support PAIN.001 (Credit Transfers) for file upload. This means that MT101 upload will not be allowed anymore.
   
• Whenever a counterparty address is required, it must include at least the town/city name and Opens in a new tabISO-2 country code in structured address elements. Payments that do not meet these minimum requirements will be rejected.
   
• Even when a counterparty address is not required, if a payment contains an unstructured address, the payment will be rejected.
   

A counterparty address is required for:
 

• Domestic payments: All non-standard domestic payments, including urgent or high-value payments, must comply with the mandatory address requirements. Standard low-value, non-urgent domestic payments (non-urgent SEPA) are not impacted as they continue to follow local clearing specifications. For instance, Switzerland is an exception where the address is mandatory and must be provided using structured address elements.
   
• International payments: All international payments must comply with the mandatory address requirements.
   
• EURO CT Real Time (EUR urgent): SEPA Credit Transfers are not impacted. Please note that EUR Urgent payments are considered high-value payments and the address is therefore mandatory.
   
• Direct Debits: When debiting to a non-european economic area country, the same address requirements apply.

The changes result from new SWIFT requirements related to ISO 20022 standard, a messaging standard that creates a common language for payment data across the globe, enabling faster processing and improved reconciliation.

The SWIFT ISO 20022 migration is a global initiative, which aims to achieve harmonized standards for the exchange of high-value and cross-border payment messages. Several Market Infrastructures, such as Target in Europe, have likewise already migrated to ISO 20022, or are on a migration path towards this standard.

With the change, Batch/Salary payments (global debit – multiple credits) cannot be processed anymore via your non-ING LU accounts. Manually encoded payments and uploaded files (PAIN1 Relay) containing non-ING LU account(s) will only allow single transactions.

• For your ING Europe accounts (ING LU, as well as other ING country accounts) we will still offer batch file upload via our Inside Business Payments (IBP) platform. Feel free to reach out to your ING contact person to discuss the possibilities.

Yes, but SEPA instant payments will only be allowed for your ING LU accounts.

• For your ING Europe accounts (ING LU, as well as other ING country accounts) we offer SEPA Instant payments via our Inside Business Payments (IBP) platform. Feel free to reach out to your ING contact person to discuss the possibilities.

Update your payment formats towards the new standards accepted by Multiline.

The ABBL (Association des Banques et Banquiers du Luxembourg) is providing an Opens in a new tabupdated timeline  and Opens in a new tabguideline to help professionals & consumers to achieve successfully the ISO 20022 migration.
 

Regarding the usages of address fields:
 

• Review your counterparty data for the impacted payment types and ensure that the required structured address elements are available.
   
• Check whether your payment initiation formats support structured address elements and meet the minimum requirements.
   
• Update, at least, the town name and ISO-2 country code for your beneficiaries in the Address Book.