Watch out for fraud! Be wary if you get a phone call from someone claiming to be an IT support person. Never install remote-access software, and when making payments be sure to check the payee’s bank details and the amount. Your log-in details are confidential – never share them with anyone!

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Under Switzerland's new payment transfer system, one standard messaging system will be used, and all banks will require the same information for payments.
The ISO 20022 standard also covers message formats to help automate the reconciliation of your accounts.


  • Payment formats will be changed and brought into line with ISO 20022.
  • Your accounting software must be updated so that it supports the new PAIN and CAMT formats.
  • These formats allow for a more automated payment process, making your accounting that much simpler.

The new message formats

Under the standardized payment system, two new message formats will be used for banks and their customers to communicate.

  • The PAIN format for payment orders
  • The CAMT format for invoices

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Answers to FAQs concerning the changover can be found on the new payment system Swiss payment standard website.

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