SIX Interbank Clearing Ltd adjusts SPS 2025–2026 for Swiss Payment Standards in Switzerland; Mandatory introduction in November 2026

SIX Interbank Clearing Ltd adjusts SPS 2025–2026 for Swiss Payment Standards in Switzerland; Mandatory introduction in November 2026

Delta Document for the Adjustments made from SPS 2025 to SPS 2026

Version 1.0 – 18.05.2026 Delta Document for the Adjustments made from SPS 2025 to SPS 2026 Swiss Payment Standards Version 1.0, valid from 14. November 2026

Delta document Change history Version 1.0 – 18.05.2026

Page 2 of 34 Change history All changes made to this document are listed below with the version number, change date, a brief description of the change and references to the chapters affected. Version Date Change description Chapter 1.0 18.05.2026 First edition all Table 1: Change history Please address all suggestions, corrections and proposed improvements to this document to:

SIX Interbank Clearing Ltd Hardturmstrasse 201 CH-8021 Zürich Contact: www.six-group.com/payment-standards/contact

Delta document Table of contents Version 1.0 – 18.05.2026

Page 3 of 34 Table of contents Change history …………………………………………………………………………………………………………………………….. 2 Table of contents …………………………………………………………………………………………………………………………. 3 Table of tables ……………………………………………………………………………………………………………………………… 4 Table of figures …………………………………………………………………………………………………………………………….. 5 Introduction ………………………………………………………………………………………………………………………………… 6 Adjustments SPS 2026 ………………………………………………………………………………………………………………….. 6 1 Part 1: Business Rules ……………………………………………………………………………………………………. 7 1.1 Chapter 1.3 “User aspects” …………………………………………………………………………………………………….. 7 1.2 Chapter 2.1.2 “Payment types” ………………………………………………………………………………………………. 7 1.3 Chapter 3.1.2 “Mandatory introduction in November 2026” ………………………………………………… 10 1.4 Chapter 3.2.2.1 “Customer reference as ‘Remittance Information’” ……………………………………… 11 1.5 Chapter 4 " Standardised procedure" …………………………………………………………………………………… 12 1.5.1 Chapter 4.1 “Description” …………………………………………………………………………………………………….. 12 1.5.2 Chapter 4.3.1 “Identification in the element ‘Entry Reference’ ()” …………………………. 12 1.6 Chapter 6.1.2 “Parallel phase: November 2022 to November 2026” …………………………………….. 13 2 Part 2: Implementation Guidelines for Credit Transfer …………………………………………………… 14 2.1 Chapter 1.3.2 “SEPA message standard” ………………………………………………………………………………. 14 2.2 Chapter 3.11 “Use of address information” ………………………………………………………………………….. 15 2.2.1 Chapter 3.14.2 “Customer references” …………………………………………………………………………………. 18 2.3 Chapter 3.15 “Payment types” ……………………………………………………………………………………………… 19 2.4 Chapter 3.16 “QR-Bill”…………………………………………………………………………………………………………… 22 2.5 Chapter 4 “Technical specifications” – textual and functional adjustments …………………………… 22 3 Part 3: Implementation Guidelines for Status Report ……………………………………………………… 27 3.1 Chapter 3.1 “Status overview in the Status Report” ………………………………………………………………. 27 3.1.1 Chapter 3.1.1 “Responses to incoming messages” ……………………………………………………………….. 27 3.1.2 Chapter 3.1.2 “Status overview” …………………………………………………………………………………………… 28 3.2 Chapter 4 “Technical specifications” – textual and functional adjustments (new fields) ……….. 29 3.3 Annex A “XML data files for the examples” …………………………………………………………………………… 31 3.4 Annex A “Status sequences of ‘pain.002’” …………………………………………………………………………….. 31 4 Part 4: Implementation Guidelines for Customer-Bank Messages ……………………………………. 33 4.1 Chapter 4 “Technical specifications” – textual and functional adjustments (new fields) ……….. 33

Delta document Table of tables Version 1.0 – 18.05.2026

Page 4 of 34 Table of tables Table 1: Change history ……………………………………………………………………………………………………………………. 2 Table 2: Table 3 of the “Business Rules”: Swiss Payment Standards payment types …………………………. 9 Table 3: Table 9 of the “Implementation Guidelines for Credit Transfer”: Data elements for address data (generic) ……………………………………………………………………………………………………………………. 16 Table 4: Table 13 of the “Implementation Guidelines for Credit Transfer”: SPS payment types ………. 21 Table 5: Textual and functional adjustments to chapter 4 of the “Implementation Guidelines for Credit Transfer” …………………………………………………………………………………………………………………. 26 Table 6: Table 5 of the “Implementation Guidelines for Status Report”: Status categories ……………… 28 Table 7: Textual and functional adjustments to chapter 4 of the “Implementation Guidelines for Status Report” …………………………………………………………………………………………………………………… 30 Table 8: Table 21 of the “Implementation Guidelines for Status Report”: Status sequences of “pain.002” …………………………………………………………………………………………………………………………. 32 Table 9: Textual and functional adjustments to chapter 4 of the “Implementation Guidelines for Customer-Bank Messages” ……………………………………………………………………………………………….. 34

Delta document Table of figures Version 1.0 – 18.05.2026

Page 5 of 34 Table of figures Figure 1: Figure 6 of the “Implementation Guidelines for Credit Transfer”: Data elements for address data (generic) ……………………………………………………………………………………………………………………. 15 Figure 2: Figure 10 of the “Implementation Guidelines for Credit Transfer”: Determining the payment type …………………………………………………………………………………………………………………………………… 20 Figure 3: Figure 5 of the “Implementation Guidelines for Status Report”: Overview of possible statuses in the status report ……………………………………………………………………………………………… 27

Delta document Introduction Version 1.0 – 18.05.2026

Page 6 of 34 Introduction SIX Interbank Clearing Ltd (“SIC Ltd”) is involved in committees and commissions that deal with standardisation issues in national and international payment traffic. It helps to ensure that Swiss financial institutions can set up their products and services in a timely manner on solid platforms that are networked in accordance with market requirements, thus ensuring the continued smooth flow of payment transactions. The Swiss Payment Standards 2025 (“SPS 2025”) include Business Rules, Implementation Guidelines for Cash Management, Implementation Guidelines for Credit Transfer and Implementation Guidelines for Status Report, as well as other standards. They are issued under the leadership of SIC Ltd and undergo periodic further development. To assist you with the changes made in SPS 2026, we provide a document that shows all the adjustments from SPS 2025 to SPS 2026. The document is divided into four parts. • Business Rules • Implementation Guidelines for Credit Transfer • Implementation Guidelines for Status Report • Implementation Guidelines for Customer-Bank-Messages Adjustments SPS 2026 The textual and functional adaptations compiled in SPS 2026 are divided into four sections: • Part 1: Business Rules • Part 2: Implementation Guidelines for Credit Transfer • Part 3: Implementation Guidelines for Status Report • Part 4: Implementation Guidelines for Customer-Bank-Messages

Delta document Part 1: Business Rules Version 1.0 – 18.05.2026

Page 7 of 34 1 Part 1: Business Rules 1.1 Chapter 1.3 “User aspects” The Swiss Payment Standards are designed to enable financial institutions and their customers to make efficient payments in Switzerland and Liechtenstein. The foundation for this is provided by the SIC and euroSIC (until November 2027) Regulations and Implementation Guidelines (including instant payments), the SEPA Credit Transfer Rulebook and the associated EPC Implementation Guidelines, as well as by Swift’s specific market practice for cross-border payments, Cross-Border Payments and Reporting Plus (CBPR+). The Swiss Payment Standards describe the minimum supporting elements and rules and ensure that an order can be executed correctly. The scope of the customer offering and the application of the regulations of the respective systems and networks may be handled differently by the individual financial institutions. The Swiss Payment Standards support the end-to-end use of IBAN (International Bank Account Number) and structured data elements, especially relating to the addresses of the various parties. The use of these elements, which is mandatory in some cases, results from the underlying regulations and specifications and is an intrinsic part of the Swiss Payment Standards. 1.2 Chapter 2.1.2 “Payment types” The Swiss Payment Standards distinguish between four payment types. Payment type “D” (domestic) Payment type “D” describes orders for payments within Switzerland and Liechtenstein that are executed in CHF via SIC and in EUR via euroSIC (until November 2027) in accordance with their regulations. Version 1 (V1: Payments) describes general payment orders, while version 2 (V2: Instant payments) describes orders for instant payments. Payment type “S” (SEPA) Payment type “S” describes orders for payments executed under the SEPA Credit Transfer (SEPA CT) Rulebook and Implementation Guidelines. This payment type can only be executed in EUR and requires the use of the IBAN. In addition, the charge regulation type is restricted to SLEV (“FollowingServiceLevel”) or SHAR (“Shared”). If the element is not provided, SHAR applies by default. This payment type can only be used if both the debtor’s and the creditor’s financial institution participate in the SEPA CT procedure. Orders that do not fulfil these conditions will be executed as payment type “X” (cross-border and foreign currency domestic). Payment type “X” (cross-border and foreign currency