As part of ANZ’s commitment to enhance your digital banking experience, we will be providing you with enriched inward payment narratives. This enhanced information will be available when viewing and downloading transaction details in ANZ Transactive Cash Asia, ANZ Fileactive and ANZ Transactive - Global.
What are the changes?
In most cases there will be an increased maximum narrative length providing additional information about the credit entry, and the reordering of data. Please see jurisdiction drop-downs below for detailed information.
The enhanced narratives only impact the payment types listed below. All other credit entries, e.g., fees, charges, trade transactions, etc., remain unchanged.
When will the change occur?
The narrative changes will be provided to you in a phased approach and by jurisdiction and payment type:
JURISDICTION | PAYMENT TYPES | TIMEFRAMES |
Hong Kong | Telegraphic Transfers and RTGS (CHATS) | July - September 2024 |
Hong Kong | FPS | July - September 2024 |
India | NEFT | From March 2025 |
India | RTGS | From March 2025 |
India | Telegraphic Transfers | From March 2025 |
Philippines | RTGS | From February 2025 |
Philippines | Telegraphic Transfers | From February 2025 |
Singapore | Telegraphic Transfers and RTGS (MEPS) | June - September 2024 |
Singapore | ACH (GIRO) | August - September 2024 |
Vietnam | ACH | From February 2025 |
Vietnam | Telegraphic Transfers | From February 2025 |
Additional jurisdictions and payment types to be advised in the coming months. |
What do you need to do to receive the enhanced narratives?
The enhanced narratives will automatically be applied to relevant jurisdictions inward payments in ANZ Transactive Cash Asia, ANZ Fileactive and ANZ Transactive – Global on the timeframes above.
If you import this information into an external Enterprise Resource Planning (ERP) system or accounting software with specific information in the narrative field, then changes may need to be made in those systems to accept the enhanced data.
What previous day transactions have the enhanced narratives?
From the enablement date, intraday credit transaction narratives will display an abridged version of the narrative, with the full-length enriched narratives to appear for your previous days statement data. Any statements run for days prior to the enablement date, will still display the current narrative format.
PAYMENT TYPE | CURRENT NARRATIVE | NEW NARRATIVE |
ACH (FPS) | FPS+<ANZ Unique Reference>+<Sender Name>+<Creditor Reference>+<Purpose Code>+<Creditor Narrative>
Max. length: 3+16+40+20+10+140 (234) |
FPS+<ANZ Unique Reference>+<Creditor Reference>+<Sender Name>+<Purpose Code>+<Creditor Reference Full>
Max. length: 3+16+16+40+10+240 (330) |
RTGS (CHATS) | DFT+<Sender Name>+<Creditor Reference>+<ANZ Unique Reference>+<Credit Narration>
Max. length: 3+25+16+3+9+140 (201) |
DFT+<ANZ Unique Reference>+<Creditor Reference>+<Sender Name>+<Credit Narration>
Max. length: 3+16+35+140+240 (438) |
Telegraphic Transfer | XBT+<Sender Name>+<Creditor Reference>+<ANZ Unique Reference>+<Credit Narration>
Max. length: 3+25+16+3+9+140 (201) |
XBT+<ANZ Unique Reference>+<Creditor Reference>+<Sender Name>+<Credit Narration>
Max. length: 3+16+35+140+240 (438) |
For virtual accounts starting with 99xxxxxxx (HK) format refer to Inward payment narratives for Virtual Accounts for enhanced receivables narratives.
PAYMENT TYPE | CURRENT NARRATIVE | NEW NARRATIVE |
NEFT | NEFT+<ANZ Unique Reference>+<Creditor Reference>+<Sender Name>+<Credit Narration> Max. length: 4+9+22+29+140 (204) |
NEFT+<ANZ Unique Reference>+<Creditor Reference>+<Sender Name>+<Credit Narration> Max. length: 4+16+34+140+240 (434) |
RTGS | RTGS+<ANZ Unique Reference>+<Creditor Reference>+<Sender Name>+<Credit Narration> Max. length: 4+9+22+29+140 (204) |
RTGS+<ANZ Unique Reference>+<Creditor Reference>+<Sender Name>+<Credit Narration> Max. length: 4+16+34+140+240 (434) |
Telegraphic Transfer | XBT+<ANZ Unique Reference>+<Creditor Reference>+<Sender Name>+<Credit Narration> Max. length: 3+9+20+25+140 (197) |
XBT+<ANZ Unique Reference>+<Creditor Reference>+<Sender Name>+<Credit Narration> Max. length: 3+16+34+140+240 (433) |
For virtual accounts, please refer to Inward payment narratives for Virtual Accounts for enhanced receivables narratives.
PAYMENT TYPE | CURRENT NARRATIVE | NEW NARRATIVE |
RTGS | DFT+RIRDC+<Sender Name>+<ANZ Unique Reference>+<Credit Narration> Max. length: 3+5+30+9+140 (187) |
DFT+RIRDC+<ANZ Unique Reference>+<Creditor Reference>+<Sender Name>+<Credit Narration> Max. length: 3+5+16+34+140+240 (438) |
Telegraphic Transfer | XBT+RIRIC+<Creditor Reference>+<Sender Name>+<ANZ Unique Reference>+<Credit Narration> Max. length: 3+5+16+95+9+140 (268) |
XBT+RIRIC+<ANZ Unique Reference>+<Creditor Reference>+<Sender Name>+<Credit Narration> Max. length: 3+5+16+34+140+240 (438) |
PAYMENT TYPE | CURRENT NARRATIVE | NEW NARRATIVE |
ACH (GIRO) | ACH+<Sender Name>+<Purpose Code>+<Creditor Reference>+<ANZ Unique Reference>+<Creditor Reference Full>
Max. length: 3+16+4+12+16+35 (91) |
ACH+<ANZ Unique Reference>+<Creditor Reference>+<Sender Name>+<Purpose Code>+<Creditor Reference Full>
Max. length: 3+16+35+140+4+240 (443) |
RTGS (MEPS) | DFT+<Sender Name>+<Creditor Reference>++<ANZ Unique Reference>+<Credit Narration>
Max. length: 3+25+16+3+9+140 (201) |
DFT+<ANZ Unique Reference>+<Creditor Reference>+<Sender Name>+<Credit Narration>
Max. length: 3+16+34+140+240 (437) |
Telegraphic Transfer | XBT+<Sender Name>+<Creditor Reference>++<ANZ Unique Reference>+<Credit Narration>
Max. length: 3+25+16+3+9+140 (201) |
XBT+<ANZ Unique Reference>+<Creditor Reference>+<Sender Name>+<Credit Narration>
Max. length: 3+16+34+140+240 (437) |
For virtual accounts starting with 77xxxxxxx (SG) format, please refer to Inward payment narratives for Virtual Accounts for enhanced receivables narratives.
PAYMENT TYPE | CURRENT NARRATIVE | NEW NARRATIVE |
ACH | ACH+<ANZ Unique Reference>+<Sender Name> Max. length: 3+1+9+1+40 (54) |
ACH+<ANZ Unique Reference>+<Creditor Reference>+<Sender Name> Max. length: 3+1+16+1+34+1+40 (96) |
Telegraphic Transfer | XBT+<ANZ Unique Reference>+<Creditor Reference>+<Sender Name> Max. length: 3+1+9+1+16+1+40 (71) |
XBT+<ANZ Unique Reference>+<Creditor Reference>+<Sender Name> Max. length: 3+1+16+1+16+1+40 (78) |
For virtual accounts, please refer to Inward payment narratives for Virtual Accounts for enhanced receivables narratives.