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 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 are making some changes in the coming months to payment narratives that you currently consume in Balance and Transaction Reporting (BTR) statements you receive via the Swift network. For more information, refer to Inward payment narrative changes.
Hong Kong
For each payment type listed below there will be a reordering of data.
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 |
| FPS | FPS+<ANZ Unique Reference>+<Sender Name>+<Creditor Reference>+<Purpose Code> | FPS+<ANZ Unique Reference>+<Creditor Reference>+<Sender Name> |
| RTGS (CHATS) | DFT+<Sender Name>+<Creditor Reference>+<ANZ Unique Reference> | DFT+<ANZ Unique Reference>+<Creditor Reference>+<Sender Name> |
| Telegraphic Transfer | XBT+<Sender Name>+<Creditor Reference>+<ANZ Unique Reference> | XBT+<ANZ Unique Reference>+<Creditor Reference>+<Sender Name> |
For virtual accounts starting with 99xxxxxxx (HK) format, refer to Inward payment narratives for Virtual Accounts for enhanced receivables narratives
India
| PAYMENT TYPE | CURRENT NARRATIVE | CHANGES |
| NEFT | NEFT+<ANZ Unique Reference>+<Creditor Reference>+<Sender Name> | Length of ANZ Unique Reference field is increasing from 9 to 16 characters. |
| RTGS | RTGS+<ANZ Unique Reference>+<Creditor Reference>+<Sender Name> | Length of ANZ Unique Reference field is increasing from 9 to 16 characters. |
| Telegraphic Transfer | XBT+<ANZ Unique Reference>+<Creditor Reference>+<Sender Name> | Length of ANZ Unique Reference field is increasing from 9 to 16 characters. |
For virtual accounts starting with 99xxxxxxx (IN) format, refer to Inward payment narratives for Virtual Accounts for enhanced receivables narratives
Philippines
For each payment type listed below there will be a reordering of data, and the length of the ANZ Unique Reference field is increasing from 9 to 16 characters.
| PAYMENT TYPE | CURRENT NARRATIVE | CHANGES |
| RTGS | DFT+RIRDC+<Sender Name>+<ANZ Unique Reference> | DFT+RIRDC+<ANZ Unique Reference>+<Creditor Reference>+<Sender Name> |
| Telegraphic Transfer | XBT+RIRIC+<Creditor Reference>+<Sender Name>+<ANZ Unique Reference> | XBT+RIRIC+<ANZ Unique Reference>+<Creditor Reference>+<Sender Name> |
Singapore
For each payment type listed below there will be a reordering of data.
| PAYMENT TYPE | CURRENT NARRATIVE | NEW NARRATIVE |
| ACH (GIRO) | ACH+<Sender Name>+<Purpose Code>+<Creditor Reference>+<ANZ Unique Reference> | ACH+<ANZ Unique Reference>+<Creditor Reference>+<Sender Name> |
| RTGS (MEPS) | DFT+<Sender Name>+<Creditor Reference>++<ANZ Unique Reference> | DFT+<ANZ Unique Reference>+<Creditor Reference>+<Sender Name> |
| Telegraphic Transfer | XBT+<Sender Name>+<Creditor Reference>++<ANZ Unique Reference> | XBT+<ANZ Unique Reference>+<Creditor Reference>+<Sender Name> |
For virtual accounts starting with 77xxxxxxx (SG) format, refer to Inward payment narratives for Virtual Accounts for enhanced receivables narratives
Vietnam
| PAYMENT TYPE | CURRENT NARRATIVE | CHANGES |
| Domestic Fund Transfer | ACH+<ANZ Unique Reference>+<Sender Name> | ACH+<ANZ Unique Reference>+<Creditor Reference>+<Sender Name>
|
| Domestic Fund Transfer - Virtual Account | ACH+VA+<Virtual Account No>+<ANZ Unique Reference>+<Creditor Reference>+<Sender Name> | Length of ANZ Unique Reference field is increasing from 9 to 16 characters. |
| Telegraphic Transfer | XBT+<ANZ Unique Reference>+<Creditor Reference>+<Sender Name> | Length of ANZ Unique Reference field is increasing from 9 to 16 characters. |
For virtual accounts starting with 99xxxxxxx (VN) format, refer to Inward payment narratives for Virtual Accounts for enhanced receivables narratives