Customer-Bank Messages

The Swiss financial industry has released recommendations (Swiss Payment Standards) on exchanging of data between customers and banks based on the ISO 20022 definitions in the payments and Cash Management areas. A validation platform supports the consistent use of the ISO 20022 messages.

In assignment by PaCoS (Payments Committee Switzerland), a working group elaborated the Swiss Payment Standards for implementation of the format standards for payments initiation based on the ISO 20022 standard. The Swiss Payment Standards, which are supported by all Swiss financial institutions, are based upon the basic documentation issued by the ISO and the EPC (European Payments Council) and are reflected in the two rulebooks, the “Swiss Business Rules” and the “Swiss Implementation Guidelines”.

Swiss Payment Standards

The Swiss Payment Standards are summarized in the Business Rules and Implementation Guidelines. Below is an overview of the most recent versions. The older ones are available in the archives.

September Submission of amendments
  Deadline for submission of change requests for the next SPS release (to be published in February of next year). At the same time, the deadline for submitting change requests for the next SPS release begins.
October Publication of planned amendments
  The amendments planned up to this point will be published and any feedback will be sought.
November End time for feedback on planned amendments
  Expiry of time period for feedback on planned amendments
February Publication of the annual SPS release
  The updated version of the documents will be published as annual release SPS SR20nn.
April Update of the SIX Validation Portal
  The SPS annual release definitions published in February can be tested on the SIX validation portal.
November Implementation by banks
  The SPS annual release definitions published in February are supported by the banks as of the SIC release date.
Current consultations Start End
 Implementation Guidelines for credit transfers, Version 1.10
Planned changes
Feedback form
19.10.2020 27.11.2020
 Implementation Guidelines for Cash Management, Version 1.7.1
Planned changes
Feedback form
19.10.2020 27.11.2020
 Swiss Implementation Guidelines for Status Report, Version 1.1.1
Planned changes
Feedback form
19.10.2020 27.11.2020

Completed consultations Start End
 Swiss Business Rules; Swiss Implementation Guidelines for credit transfers & Cash Management
Consultation report from 20 January 2020
14.10.2019 29.11.2019
 Swiss Business Rules; Swiss Implementation Guidelines for credit transfers & Cash Management
Consultation report from 11 February 2019
5.11.2018 30.11.2018
 Swiss Implementation Guidelines QR-bill
Consultation report (in German) from 15 November 2018
31.7.2018 23.9.2018

Validation Portal Customer-Bank Messages

The validation portal serves to promote the uniform application of the ISO 20022 standard for payments in the Swiss financial center. It supports software providers/corporates and financial institutions in their effort to ensure a high quality of the technical validation of ISO 20022 messages.

The central validation portal of the financial center checks the conformity of generated XML messages with the regulations in the Swiss Business Rules and Implementation Guidelines.

Link to Validation Portal Customer-Bank Messages


Interbank Messages

The Implementation Guidelines, which contain the rules mutually agreed upon by Swiss interbank governance bodies and committees, are binding for all SIC participants. A validation platform has been created to support the uniform application of ISO 20022 interbank messages.

Implementation Guidelines

A modular approach was used for the structure of the Implementation Guidelines. The document modules – one for each ISO 20022 message type – contain message-specific information as well as instructions on the application-specific handling of individual elements.

Downloads for the SIC Platform Release 4.7 of 20.11.2020 (incl. Errata of 22.06.2020)


Downloads for the SIC Platform Release 4.6 of 15.11.2019

Version of 16 November 2018


Version of 17 November 2017


Downloads pertaining to the introduction of Viseca as a new third-party system in SIC from 8 June 2017


Version of 18 November 2016


Version of 18 November 2016


Version of 2 July 2015


Version of 16 April 2015

Validation portal Interbank Messages

The validation portal interbank messages helps to promote the uniform application of the ISO 20022 standard for SIC and euroSIC payments. It allows financial institutions to ensure a high quality of the technical validation of ISO 20022 interbank messages.

Link to Validation Portal Customer-Bank Messages

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