Background and guides

What changes for Swiss QR-bills, when it applies and what you need to do, in short articles with sources.

• Swiss QR-bill: structured addresses are mandatory – the October and November 2026 deadlinesSince 21.11.2025 combined addresses (type K) are no longer allowed on new Swiss QR-bills. Several banks only guarantee processing until the end of September 2026; from 14.11.2026 no payment order may contain them. Who is affected and how to fix it.
• Swiss QR-bill rejected by the bank: causes and fixesBank refusing a Swiss QR-bill? Since October 2026 the old address format in the QR code is often the cause. All causes, and what payers and billers can do.
• Swiss QR-bill timeline 2020–2027: all key datesEvery Swiss QR-bill deadline from 2020 to 2027: what applies on which date, which dates come from SIX and which only from individual Swiss banks.
• 14 Nov 2026: Swiss QR-bill 2.4 and end of unstructured addressesFrom 14 November 2026 unstructured addresses are banned in payment orders and QR-bill 2.4 applies. What changes for CHF and EUR bills and standing orders.
• Swiss QR-bill Excel or Word template: is it still valid?Association, landlord or condominium using an old Excel or Word template? Check whether your Swiss QR-bill is still valid, and how to fix it if it isn't.
• Why the Swiss QR-bill requires a structured addressWhy type K is going away: structured addresses identify the parties unambiguously. What S and K look like in the QR code, and why Switzerland keeps Nov 2026.