QR-bill: what changed in November 2025 and in November 2026
Structured addresses mandatory since November 2025, standing orders based on old QR-bills rejected from 14 November 2026, new rules in euros. What you should check.
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In short. Since November 2025, a QR-bill is only valid with structured addresses. Since 14 November 2026, banks no longer process standing orders and payment templates based on old QR-bills with an unstructured address. On the same day a new version of the rules came into force: it changes nothing for your invoices in francs, but it restricts QR-bills in euros.
November 2025: only the structured address is allowed
In the QR code, the address of the biller and that of the payer must be split into separate fields: street, number, postcode, town, country. The former layout, two lines of free text, has not been accepted since 22 November 2025, when version 2.3 of the SIX guidelines came into force (SIX QR-bill page).
| Before | Now |
|---|---|
| "Seestrasse 12" on one line, "8002 Zürich" on the other | Street: Seestrasse · Number: 12 · Postcode: 8002 · Town: Zürich · Country: CH |
On paper nothing shows: the address printed next to the QR code looks the same. The difference is inside the code.
14 November 2026: old standing orders no longer go through
A customer who saved a standing order or a payment template from an old QR-bill still has the old, unstructured address in their e-banking. Since 14 November 2026 such orders are no longer processed. Banks had to correct them by 13 November 2026 at the latest (SIX factsheet for SMEs).
What this means for you:
- You send invoices. If a customer who pays you by standing order (rent, subscription, instalment) reports a rejected payment, send them a recent QR-bill: they set up their order again from it.
- You pay invoices. Open your standing orders and templates in your e-banking. Those created before November 2025 deserve a check: if in doubt, set them up again from a recent invoice.
Version 2.4: nothing changes in francs, mind the euros
Version 2.4 of the SIX guidelines has been in force since 14 November 2026.
- Invoices in Swiss francs: nothing to adapt.
- Invoices in euros: only two combinations remain, an ordinary IBAN with a SCOR reference (the one starting with "RF"), or an ordinary IBAN with a free message. The QR-IBAN and the 27-digit QR reference are now for francs only.
If you invoice in euros with a QR-IBAN, ask your bank for the ordinary IBAN of the same account. Not sure whether your account is a QR-IBAN? Our IBAN checker tells you.
Your old invoices and templates
- A QR-bill issued before November 2025 with an unstructured address should no longer be reused: issue a new one.
- A Word or Excel template holding a fixed QR code, created once and copied from invoice to invoice, has to be redone.
- An up-to-date online generator or invoicing tool produces structured addresses without you having to think about it, like our free QR-bill generator.
How to check. Scan your QR-bill with your bank's app, as if you were going to pay it. If the payment is offered without an error message, banks can read your invoice. You can also drop the PDF or a photo of the invoice into our QR-bill reader: it tells you whether its addresses use the required format.
In Yoda Bill
Your addresses and those of your customers are stored in separate fields. Every QR-bill created in Yoda Bill therefore carries structured addresses: there is nothing to set up.