When using unstructured address lines (AdrLine) for Debtor or Creditor postal address, TwnNm (Town Name) and Ctry (Country) must also be present. ISO 20022 2019 structured address migration requires minimum geographic context alongside AdrLine.
Why pain.001 files fail rule PAIN00111-ADR-001 (ERROR) and how to fix it: When using unstructured address lines (AdrLine) for Debtor or Creditor postal address, TwnNm (Town Name) and Ctry (Country) must also be present. ISO 20022 2019 structured address migration requires minimum geographic context alongside AdrLine.
What this rule checks
When using unstructured address lines (AdrLine) for Debtor or Creditor postal address, TwnNm (Town Name) and Ctry (Country) must also be present. ISO 20022 2019 structured address migration requires minimum geographic context alongside AdrLine.
Applies to pain.001.001.11. Severity: ERROR.
Why your file is rejected
Banks validate this rule server-side after the XSD schema check. When it fails, the whole file is typically rejected — even if every other transaction is correct — so a single violation blocks the entire batch.
How to fix it
This is a computed consistency check (a total or a transaction count). Recompute the value directly from the transactions in your file and make the header match exactly. Accumulate monetary amounts as integer minor units (cents) to avoid floating-point drift, then format with the correct number of decimals.
Verify before you send
Upload your pain.001 file to the validator below to confirm this rule — and every other business rule and XSD constraint — passes before your bank sees it.