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 |
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 |
Payment Type Code+PAYMENT INSTRUCTION ID+CustomerName+PAYMENT INSTRUCTION ID.
Max Length = 3+11+25+11
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 |
Payment Type Code+PAYMENT INSTRUCTION ID+CustomerName+PAYMENT INSTRUCTION ID.
Max Length = 3+11+25+11
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 |
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 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 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 |
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+ 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 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 |