New Zealand 7-day domestic payment processing - Archived – ANZ Digital Services Help

Domestic payment processing is changing

From Saturday 27 May 2023 payments to and from other New Zealand banks will be processed seven days a week – which means weekends and public holidays too. To support this change some updates are being made to systems and reporting. Here's how this change works and how it might affect you and your business.

ANZ Transactive Global changes

Operating Account Screens

Currently, the Value Date field displays the same date as the Post Date field.

From Saturday 27 May 2023, the Operating Account Screens now displays the actual value date of the transaction, including any non-business dates rather than the post date.

Request Account Statement Report

When requesting an Account Statement Report from the Operation Account Screen for NZ Statement Files, you will have the option to select 'Value Date Required' checkbox to display the actual value date in the report. The report will return the value date the transaction was processed, including non-business dates.

Report Profiles

When creating an Account Statement Report from Report Centre for NZ Statement Files, you will have the option to select 'Value Date Required' checkbox to display the actual value date in the report. The report will return the value date the transaction was processed, including non-business dates.

ANZ Transactive Global file format differences

The following file formats will be impacted:

BAI

Pre-7-Day Processing (Before)	Post 7-Day Processing (After)
Field 4 (Value date - optional) if used, post date, else field will be blank	Field 4 (Value date - optional) - if requested - value date, including weekends and public holidays, else field will be blank

Statement File

Pre-7-Day Processing (Before)	Post 7-Day Processing (After)
Field 1 (Transaction date) - post date Field 12 (Value date) - post date	Field 1 (Transaction date) - post date Field 12 (Value date) - value date, including weekends and public holidays

MT940

Pre-7-Day Processing (Before)	Post 7-Day Processing (After)
Field 61 (Statement line - optional) 6!n (Value date) - post date 4!n (Entry date) - post date	Field 61 (Statement line) 6!n (Value date) - value date, including weekends and public holidays 4!n (Entry date) - post date

NZ Statement File

Pre-7-Day Processing (Before)	Post 7-Day Processing (After)
Field 12 (Transaction date) - post date Field 14 (Value date) - blank field	Field 12 (Transaction date) - post date Field 14 (Value date - optional) if requested - value date, including weekends and public holidays, else field will be blank

CSV

Pre-7-Day Processing (Before)	Post 7-Day Processing (After)
Field 10 (Value date) - post date Field 11 (Post date) - post date, or statement date if no transactions occur on the account	Field 10 (Statement date) - value date, including weekends and public holidays Field 11 (Post date) - post date, or statement date if no transactions occur on the account

Date changes to some BTR Files may impact your ERP systems.
The value date changes may require development work for your business systems to ensure they can accommodate the inclusion of non-business day dates in the affected date fields.
There are no changes to other BTR File formats.
For more information, please refer to File Format Guides.

ANZ Fileactive changes

The following updates will occur:

Balance and Transaction Reports (BTR) contain two date fields, with one field to reflect the actual value date (weekday, weekend, public holiday) of the transaction, and the other field with the processing date.

ANZ Fileactive file format differences

The following file formats will be impacted:

SAP/Multicash

Pre-7-Day Processing (Before)	Post 7-Day Processing (After)
Field 4 (Statement date) - balance date Field 14 (Value date) - post date	Field 4 (Statement date) - balance date Field 14 (Value date) - value date, including weekends and public holidays

CAMT052/CAMT053

Pre-7-Day Processing (Before)	Post 7-Day Processing (After)
Booking date <BookgDt><Dt> - post date Value date <ValDt><Dt> - post date	Booking date <BookgDt><Dt> - post date Value date <ValDt><Dt> - value date, including weekends and public holidays

NZ Statement File

Pre-7-Day Processing (Before)	Post 7-Day Processing (After)
Field 12 (Transaction date) - post date Field 14 - blank field	Field 12 (Transaction date) - post date Field 14 (Value date - optional) if requested - value date, including weekends and public holidays, else field will be blank

Tandem SingleBTR (SINBTR)

Pre-7-Day Processing (Before)	Post 7-Day Processing (After)
Field 2 (Date) - post date Field 8 (Effective date) - post date	Field 2 (Date) - post date Field 8 (Effective date) - value date, including weekends and public holidays

Tandem CSV/BTR CSV

Pre-7-Day Processing (Before)	Post 7-Day Processing (After)
Field 1 (Transaction date) - post date Field 12 (Value date) - post date	Field 1 (Transaction date) - post date Field 12 (Value date) - value date, including weekends and public holidays

BTR Quoted CSV or BTR Non-Quoted CSV

Pre-7-Day Processing (Before)	Post 7-Day Processing (After)
Field 1 (Transaction date) - post date Field 12 (Value date) - post date	Field 1 (Transaction date) - post date Field 12 (Value date) - value date, including weekends and public holidays

MT940/MT950/MT942

Pre-7-Day Processing (Before)

Post 7-Day Processing (After)

TTT Format

Statement Line (Tag 61):

Value Date (Transaction date) - post date YYMMDD
Entry Date (Transaction date) - post date MMDD

E.g.: :61:2303130313C10,FTRFNONREF//NONREF

Fileactive Format

Statement Line (Tag 61)

Value Date (Transaction date) - post date YYMMDD

E.g.: :61:230313C10,FTRFNONREF//NONREF

TTT Format

Statement Line (Tag 61):

Value Date - value date, including weekends and public holidays YYMMDD
Entry Date (Transaction date) - post date MMDD

E.g.: :61:2303110313C10,FTRFNONREF//NONREF

Fileactive Format

Statement Line (Tag 61)

No change

E.g.: :61:230313C10,FTRFNONREF//NONREF

All other file formats (BAI2, BACHO Statement, Tandem SAP Multicash/SAPGEN, Tandem NZ Legacy CSV and PDF) remain unchanged.

Intraday reporting

Customers receive Intraday Balance and Transaction Reporting (BTR) throughout the day, during scheduled days of the week. The Intraday reporting schedules remain unchanged.

Intraday BTR will show the value date and business day processing date. There is currently an option to receive Intraday BTR files on weekends. Any changes to include weekends will only apply if you have requested these changes.

Please contact your relationship/account manager if you wish to change your Intraday reporting schedule to include weekends.

NZ Statement Files

A new Value Date Requested option is available, allowing you to include the value date in your BTR file. The addition of the value date field within your BTR file is optional and will only apply if you have opted in to include the value date.

Existing NZ Statement File sample:

NZ Statement File (with optional value date) sample:

Date changes to some BTR Files may impact your ERP systems.
The value date changes may require development work for your business systems to ensure they can accommodate the inclusion of non-business day dates in the affected date fields.
There are no changes to other BTR File formats. Any other file formats that require development and/or UAT testing to add the new value date field, please contact your Relationship/Account Manager.
Fileactive BTR is only applicable to some file formats. For more information, please refer to File Format Guides.

Seven-day payment processing FAQs

What are non-business days vs. business days vs. calendar days?

A business day is Monday to Friday, excluding NZ national public holidays.
A non-business day (NBD) is Saturday, Sunday, or NZ national public holiday.
A calendar day is any day of the year.

What is Post Date vs Value Date?

The post date is the transaction processing date, and displays a business day.
The value date (or effective date) is the date the transaction occurred. The transaction can be on a business day or non-business day.

When can I expect my payment on weekends or public holidays?

Cleared domestic payments to or from another participating bank on a non-business day will appear in the account the same day – usually within a few hours. The existing payment processing & cut-off times will remain unchanged.

What transaction types does the seven-day payment processing apply to?

The seven-day payment processing changes apply to the following transaction types in Transactive Global:

Domestic Payment (NZ) (Direct Credit)
Direct Debits (NZ) (Receivables)

However, as part of the wider seven-day payment processing changes, this applies to electronic domestic payments including bill payments, direct debits, and direct credits (merchant settlement payments in New Zealand dollars). Please refer to the anz.co.nz/sevendays for more information including what factors you might need to consider as a business customer.

What support teams are available to help if payments are made on non-business days?

Please refer to the Global digital services support page for operating hours.

How do I know if my BTR is changing?

Please refer to File Format Changes in the Transactive Global or Fileactive section above or our File Format Guide to see if these changes affect you.

How do I know which date field in BTR will change?

Please refer to File Format Changes in the Transactive Global or Fileactive section above.

Is there any change to my Intraday reporting?

There are no changes to Intraday reporting schedules.

How can I view my transactions made or received on a non-business day?

To view transactions made or received on a non-business day, select the ‘Today’s’ option. This will show the value date and the next business day date Post Date fields.

For example, a transaction on Saturday 27/05/2023 will be available in the ‘Today’s’ option with a post date of 29/05/2023 and value date of 27/05/2023.