Outward payment narrative changes – ANZ Digital Services Help

Geography: This article is applicable for ANZ Transactive – Global customers banking in Hong Kong, India, Indonesia, Philippines, Singapore, Taiwan and Vietnam. Full details are available in Features by Geography.

This information is relevant to ANZ Transactive Cash Asia users as part of the upgrade to ANZ Transactive – Global. ANZ Transactive Cash Asia will no longer be available after May 2025.

As part of ANZ’s efforts to enhance your digital banking experience, we will be providing you with consistent outward payment narratives. This information will be available when viewing and downloading transaction details in ANZ Fileactive and ANZ Transactive – Global.

What are the changes?

Removal of extra delimiter (+) for some Singapore payment types.
Payment Batch ID and Payment Instruction ID for Singapore and Hong Kong now contains 11 characters.
Provide regionally consistent narratives for Indonesia and Taiwan.

The narratives only impact the payment types listed below. All other debit 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
Singapore	Batch: ACH, FAST, Payroll Itemised: ACH, FAST, MEPS, Telegraphic Transfer	Nov 2024 - May 2025
Hong Kong	Batch: FPS, FPS Payroll Itemised: FPS, CHATS, Telegraphic Transfer	Nov 2024 - May 2025
Indonesia	Batch: ACH (SKN), ACH (SKN) Payroll, Book Transfers, e-TAX, BI FAST, BI FAST Payroll, RTGS Payroll, Telegraphic Transfers Payroll Itemised: ACH (SKN), Account Transfers, Book Transfers, e-TAX, BI FAST, RTGS, Telegraphic Transfers	BI FAST and e-TAX from May 2025. All other payment method types: TBA.
Taiwan	Batch: Book Transfer, IBRS, IBRS Payroll, Telegraphic Transfer Itemised: Account Transfer, Book Transfer, IBRS, Telegraphic Transfer, Term Deposit	From April 2025
Additional jurisdictions and payment types to be advised in the coming months.

What do you need to do to receive the revised narratives?

The revised narratives will automatically be applied to relevant jurisdictions outward payments in 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 revised data.
You can access the revised narratives in your account statements or enabled via ANZ Fileactive or SWIFT.

What previous day transactions have revised narratives?

From the enablement date, intraday debit 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.

What are the payment type codes?

The payment type codes will be visible at the start of the outward payment narrative.

JURISDICTION	PAYMENT TYPE	PAYMENT TYPE CODE
Singapore	Account Transfer	BKT
	ACH	ACH
	FAST	FST
	RTGS (MEPS)	DFT
	Telegraphic Transfer	XBT
Hong Kong	Account Transfer	BKT
	FPS Batch or Itemised	FPS
	FPS Payroll	PAY
	RTGS (CHATS)	DFT
	Telegraphic Transfer	XBT
Indonesia	Account Transfer	TFR
	ACH (SKN)	ACH
	Book Transfer	BKT
	e-TAX	KASNEG
	BI FAST	FST
	RTGS	DFT
	Telegraphic Transfer	XBT
Taiwan	Account Transfer	TFA
	Book Transfer	BKT
	IBRS	DFT
	Telegraphic Transfer	XBT
	Term Deposit	BKT

Singapore

Debit to Account

PAYMENT TYPE	CURRENT NARRATIVE	NEW NARRATIVE
Account Transfer*		Payment Type Code+PAYMENT INSTRUCTION ID+CustomerName+CustomerRef Max Length: 3+11+23+20
Batch: ACH, FAST, Payroll	Payment Type Code+Payment Batch ID+Purpose Code+CustomerAcctNam+ +Customer Reference (Batch level) Max Length: 3+12+4+17++20	Payment Type Code+Payment Batch ID+Purpose Code+CustomerAcctName+Customer Reference (Batch level) Max Length: 3+11+4+18+20
Itemised: ACH, FAST	Payment Type Code+Payment Instruction ID+Purpose Code+BENE NAME+ +Custome Ref(Item Level)+Remittance Information Max Length: 3+9+4+17++20+140	Payment Type Code+Payment Instruction ID+Purcode Code+BENE NAME+ Custome Ref(Item Level)+Remittance Information Max Length: 6+11+4+15+20+140
RTGS (MEPS)	Payment Type Code+Payment Instruction ID+BENE NAME+ +Custome Ref(Item Level)+Remittance Information Max Length: 3+9+21+ +20+140	Payment Type Code+Payment Instruction ID+BENE NAME+Custome Ref(Item Level)+Remittance Information Max Length: 3+11+23+20+140
Telegraphic Transfer	Payment Type Code+Payment instruction ID +Bene name+ + pdtreference+Remittance Information Max Length: 3+9+21+ +20+140	Payment Type Code+Payment Instruction ID+BENE NAME+Custome Ref(Item Level)+Remittance Information Max Length: 3+11+23+20+140

*Account Transfer credit narrative:
Payment Type Code+PAYMENT INSTRUCTION ID+CustomerName+PAYMENT INSTRUCTION ID.
Max Length = 3+11+25+11

Hong Kong

Debit to Account

PAYMENT TYPE	CURRENT NARRATIVE	NEW NARRATIVE
Account Transfer*		Payment Type Code+PAYMENT INSTRUCTION ID+CustomerName+CustomerRef Max Length = 3+11+23+20
FPS Batch	Payment Type Code+Payment Batch ID+Customer Reference (Batch level) Max Length: 3+12+20	Payment Type Code+Payment Batch ID+Customer Reference (Batch level) Max Length: 3+11+20
FPS Payroll	Payment Type Code+Payment Batch ID+Customer Reference (Batch level) Max Length: 3+12+20	Payment Type Code+Payment Batch ID+Customer Reference (Batch level) Max Length: 3+11+20
FPS Itemised	Payment Type Code+Payment Instruction ID+BENE NAME+Purpose Code+Custome Ref(Item Level)+Remittance Information Max Length: 3+12+21+10+20+140	Payment Type Code+Payment Instruction ID+BENE NAME+Purpose Code+Custome Ref(Item Level)+Remittance Information Max Length: 3+11+10+21+20+140
RTGS (CHATS)	Payment Type Code+Payment Instruction ID+BENE NAME+Custome Ref(Item Level)+Remittance Information Max Length: 3+9+21+20+140	Payment Type Code+Payment Instruction ID+BENE NAME+Custome Ref(Item Level)+Remittance Information Max Length: 3+11+21+20 +140
Telegraphic Transfer	Payment Type Code+Payment Instruction ID+BENE NAME+Custome Ref(Item Level)+Remittance Information Max Length: 3+9+21+20+140	Payment Type Code+Payment Instruction ID+BENE NAME+Custome Ref(Item Level)+Remittance Information Max Length: 3+11+21+20 +140

*Account Transfer credit narrative:
Payment Type Code+PAYMENT INSTRUCTION ID+CustomerName+PAYMENT INSTRUCTION ID.
Max Length = 3+11+25+11

Indonesia

Debit to Account

PAYMENT TYPE	CURRENT NARRATIVE	NEW NARRATIVE
Account Transfer	DR: HT+benef_description+unique_reference _id+pdtreferenc Max Length: 2+1+15+1+9+1+20 = 49 CR: HT client_description unique_reference_i Max Length: 2+1+20+1+9 = 33	DR: TFR+InstrumentId+PartyReferenceNumber Max Length: 3+1+23+1+120 = 148 CR: TFR+InstrumentId Max Length: 3+1+23 = 27
Batch: ACH (SKN)	OS-SO- phdreference pir_nmb Max Length: 6+1+20+1+12 = 40	ACH+Instrument ID+OTHR+Customer Name+PartyRefNumber Max Length: 3+1+20+1+4+1+35+1+30 = 96
Itemised: ACH (SKN)	OS-SO-unique_reference_id-benef_description-client_description-pdtreference Max Length: 2+1+2+1+9+1+10+1+10+1+35 = 73	ACH+PaymentUniqueID+BeneficiaryName +CustomerReference+Remittance Information Max Length: 3+1+23+1+120+1+20+1+140 = 310
Batch: Book Transfer	DR: HT+benef_description+unique_reference _id+pdtreferenc Max Length: 2+1+15+1+9+1+20 = 49 CR: HT client_description unique_reference_i Max Length: 2+1+20+1+9 = 33	DR: BKT+Instrument ID+PartyRefNumber +BATCH Max Length: 3+1+20+1+30+1+5 = 61 CR: BKT+PaymentUniqueID+CustomerName +DetailsofPayment Max Length: 3+1+23+1+35+1+140 = 204
Itemised: Book Transfer	DR: HT+benef_description+unique_reference _id+pdtreferenc Max Length: 2+1+15+1+9+1+20 = 49 CR: HT client_description unique_reference_i Max Length: 2+1+20+1+9 = 33	DR: BKT+PaymentUniqueID+BeneficiaryName +CustomerReference+Remittance Information Max Length: 3+1+23+1+120+1+20+1+140 = 310 CR: BKT+PaymentUniqueID+CustomerName +DetailsofPayment Max Length: 3+1+23+1+35+1+140 = 204
Batch & Itemised: e-Tax	Tax+unique_reference_id+pdtreference Max Length: 3+1+9+1+20 = 34	KASNEG+CustomerReference+CustomerName Max Length: 6+1+20+1+35 = 63
Batch: BI FAST	FSTB+pir_nmbr+phdreference+product _code+client_code Max Length: 4+1+12+1+20+1+10+1+10 = 60	FST+Instrument ID+OTHR+Customer Name+PartyRefNumber Max Length: 3+1+20+1+4+1+35+1+30 = 96
Itemised: BI FAST	FTSO+unique_reference_id+credit_ref_nmbr Max Length: 4+1+9+1+45 = 60	FST+PaymentUniqueID+BeneficiaryName +CustomerReference+Remittance Information Max Length: 3+1+23+1+120+1+20+1+140 = 310
Batch: RTGS	PAY OR-RO- phdreference pir_nmb Max Length: 3+1+6+1+20+1+12 = 44	DFT+Instrument ID+PartyRefNumber+BATCH Max Length: 3+1+20+1+30+1+5 = 61
Itemised: RTGS	OR-RO-unique_reference_id-benef_description-client_description-pdtreference Max Length: 2+1+2+1+9+1+10+1+10+1+35 = 73	DFT+PaymentUniqueID+BeneficiaryName +CustomerReference+Remittance Information Max Length: 3+1+23+1+120+1+20+1+140 = 310
Batch: Telegraphic Transfer	TT PAY phdreference pir_nmb Max Length: 3+1+2+1+20+1+12 = 40	XBT+Instrument ID+PartyRefNumber+BATCH Max Length: 3+1+20+1+30+1+5 = 61
Itemised: Telegraphic Transfer	TTGCPIDunique_reference_id IFO client_description pdtreferenc Max Length: 16+1+3+1+15+1+20 = 57	XBT+PaymentUniqueID+BeneficiaryName +CustomerReference+Remittance Information Max Length: 3+1+23+1+120+1+20+1+140 = 310

Taiwan

Debit to Account

PAYMENT TYPE	CURRENT NARRATIVE	NEW NARRATIVE
Account Transfer		TFR+Instrument ID+Party Ref Number+ Remittance Information Max Length: 3+1+20+1+30+1+140 = 196
Batch: Book Transfer	DR: BKT+pir_nmbr+phdreference Max Length: 3+1+12+1+17=34 CR: free_text+unique_reference_id+ drawer_description+credit_details_1 +credit_details_2+credit_details_3 Max Length: 3+1+9+1+40+1+35+1+35+1+12=139	DR: BKT + Instrument ID + Party Ref Number + *Remittance Information Max Length: 3+1+20+1+30+1+140 = 196 CR: BKT + PaymentUniqueID + CustomerName + Details of Payment Max Length: 3+1+23+1+35+140 = 203
Itemised: Book Transfer	DR: BKT+unique_reference_id+ pdtreference+benef_descriptio Max Length: 3+1+9+1+17+1+35=67 CR: free_text+unique_reference_id +drawer_description+credit_details _1+credit_details_2+credit_details_3 Max Length: 3+1+9+1+40+1+35+1+35+1+12=139	DR: BKT + PaymentUniqueID + CustomerReference + Beneficiary Name + Remittance Information Max Length: 3+1+23+1+20+1+120+1+140 = 310 CR: BKT + PaymentUniqueID + CustomerName + Details of Payment Max Length: 3+1+23+1+35+140 = 203
Batch: IBRS	ACH+pir_nmbr+phdreference Max Length: 3+1+12+1+17=34	DFT + Instrument ID + Party Ref Number + *Remittance Information Max Length: 3+1+20+1+30+1+140 = 196
Batch: IBRS Payroll	PAY+pir_nmbr+phdreference Max Length: 3+1+12+1+17=34	DFT+ Instrument ID + Party Ref Number + *Remittance Information Max Length: 3+1+20+1+30+1+140 = 196
Itemised: IBRS	IBS+unique_reference_id+pdtreference +benef_descriptio Max Length: 3+1+9+1+17+1+35=67	DFT + PaymentUniqueID + CustomerReference + Beneficiary Name + Remittance Information Max Length: 3+1+23+1+20+1+120+1+140 = 310
Batch: Telegraphic Transfer	XBT+pir_nmbr+tphdreference Max Length: 3+1+12+1+17=34	XBT+ Instrument Id + PartyReferenceNumber + *Remittance Information Max Length: 3+1+20+1+30+1+140 = 196
Batch: Telegraphic Transfer Payroll	PAY+pir_nmbr+phdreference Max Length: 3+1+12+1+17=34	XBT+ Instrument Id + PartyReferenceNumber + *Remittance Information Max Length: 3+1+20+1+30+1+140 = 196
Itemised: Telegraphic Transfer	XBT+unique_reference_id+pdtreference +benef_descriptio Max Length: 3+1+9+1+17+1+35= 67	NIL Available
Itemised: Term Deposit	TD +unique_reference_id+pdtreference +benef_descriptio Max Length: 3+1+9+1+17+1+35=67	BKT+ PaymentUniqueID + CustomerReference + Beneficiary Name + Remittance Information Max Length: 3+1+23+1+20+1+120+1+140 = 310

*only populated when there is one beneficiary