---
title: "SIX Interbank Clearing Ltd adjusts SPS 2025–2026 for Swiss Payment Standards in Switzerland; Mandatory introduction in November 2026"
sdDatePublished: "2026-05-18T10:13:00Z"
source: "https://www.six-group.com/dam/download/banking-services/standardization/sps/ig-delta-guide-sps2026-en.pdf"
topics:
  - name: "financial service"
    identifier: "medtop:20001370"
  - name: "banking"
    identifier: "medtop:20000274"
  - name: "payment service"
    identifier: "medtop:20001164"
  - name: "business information"
    identifier: "medtop:20000170"
  - name: "business strategy and marketing"
    identifier: "medtop:20000192"
locations:
  - "Germany"
  - "Monaco"
  - "Zürich"
  - "San Marino"
  - "Switzerland"
  - "Andorra"
  - "Singapore"
  - "Liechtenstein"
  - "United Kingdom"
---


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' (<NtryRef>)" ............................... 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

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Table of tables
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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

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Table of figures
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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

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Introduction
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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

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Part 1: Business Rules
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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