Inward payment narratives for Virtual Accounts – ANZ Digital Services Help

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

This information is relevant to ANZ Transactive Cash Asia customers as part of the upgrade to ANZ Transactive - Global. ANZ Transactive Cash Asia will no longer be available from May 2025.

As part of ANZ’s commitment to enhance your digital banking experience, we will be providing you with consistent and 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. For more information, refer to Inward payment narrative changes.

Hong Kong

Credit to Virtual Account (VA) (Receivables only)

PAYMENT TYPE	CURRENT NARRATIVE	NEW NARRATIVE
FPS	FPS+VA+<Virtual Account Number>+<ANZ Unique Reference>+<Creditor Reference>+<Sender Name>+<Credit Narration> Max. length: 3+2+34+9+16+40+140 (250)	FPS+VA+<Virtual Account Number>+<ANZ Unique Reference>+<Creditor Reference>+<Sender Name>+<Credit Narration> Max. length: 3+2+34+16+35+140+240 (476)
RTGS (CHATS)	DFT+VA+<Virtual Account Number>+<ANZ Unique Reference>+<Creditor Reference>+<Sender Name>+<Credit Narration> Max. length: 3+2+34+9+16+40+140 (250)	DFT+VA+<Virtual Account Number>+<ANZ Unique Reference>+<Creditor Reference>+<Sender Name>+<Credit Narration> Max. length: 3+2+34+16+35+140+240 (476)
Telegraphic Transfer	XBT+VA+<Virtual Account Number>+<ANZ Unique Reference>+<Creditor Reference>+<Sender Name>+<Credit Narration> Max. length: 3+2+34+9+16+40+140 (250)	XBT+VA+<Virtual Account Number>+<ANZ Unique Reference>+<Creditor Reference>+<Sender Name>+<Credit Narration> Max. length: 3+2+34+16+35+140+240 (476)

India

Credit to Virtual Account (VA) (Receivables only)

PAYMENT TYPE	CURRENT NARRATIVE	NEW NARRATIVE
NEFT	NEFT+VA+<Virtual Account No>+<ANZ Unique Reference>+<Creditor Reference>+<Sender Name>+<Credit Narration> Max. length: 4+2+20+9+16+40+140 (231)	NEFT+VA+<Virtual Account No>+<ANZ Unique Reference>+<Creditor Reference>+<Sender Name>+<Credit Narration> Max. length: 4+2+20+16+34+140+240 (456)
RTGS	RTGS+VA+<Virtual Account No>+<ANZ Unique Reference>+<Creditor Reference>+<Sender Name>+<Credit Narration> Max. length: 4+2+20+9+16+40+140 (231)	RTGS+VA+<Virtual Account No>+<ANZ Unique Reference>+<Creditor Reference>+<Sender Name>+<Credit Narration> Max. length: 4+2+20+16+34+140+240 (456)

Singapore

Credit to Virtual Account (VA) (Receivables only)

PAYMENT TYPE	CURRENT NARRATIVE	NEW NARRATIVE
ACH (GIRO)	ACH+VA+<Virtual Account Number>+<ANZ Unique Reference>+<Creditor Reference>+<Creditor Reference Full> Max. length: 3+2+20+9+16+35 (90)	ACH+VA+<Virtual Account Number>+ <ANZ Unique Reference>+<Creditor Reference>+<Purpose Code>+<Credit Reference Full> Max. length: 3+2+20+16+35+4+240 (326)
RTGS (MEPS)	DFT+VA+<Virtual Account Number>+<ANZ Unique Reference>+<Creditor Reference>+<Credit Narration> Max. length: 3+2+20+9+16+140 (195)	DFT+VA+<Virtual Account Number>+ <ANZ Unique Reference>+<Creditor Reference>+<Sender Name>+<Credit Narration> Max. length: 3+2+20+16+35+140+240 (462)
Telegraphic Transfer	XBT+VA+<Virtual Account Number>+<ANZ Unique Reference>+<Creditor Reference>+<Credit Narration> Max. length: 3+2+20+9+16+140 (195)	XBT+VA+<Virtual Account Number>+ <ANZ Unique Reference>+<Creditor Reference>+<Sender Name>+<Credit Narration> Max. length: 3+2+20+16+35+140+240 (462)

Vietnam

Credit to Virtual Account (VA) (Receivables only)

PAYMENT TYPE	CURRENT NARRATIVE	NEW NARRATIVE
ACH	ACH+VA+<Virtual Account No>+<ANZ Unique Reference>+<Creditor Reference>+<Sender Name> Max. length: 3+1+2+1+24+1+9+1+16+1+40 (99)	ACH+VA+<Virtual Account No>+<ANZ Unique Reference>+<Creditor Reference>+<Sender Name> Max. length: 3+1+2+1+24+1+16+1+34+1+40 (124)