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RTGS (AU)

Real Time Gross Settlement (RTGS) payments allow you to make a same day domestic payment rather than overnight, as is the case with Direct Entry payments. RTGS payments are funded from one AU domiciled AUD account and the receiving account must be an AU domiciled AUD account. If you import a MT101 file, each payment instruction in the file is processed as a single batch. You can create a batch of RTGS payments using one of the other methods listed below. A batch can contain one to 5,000 payment instructions to a maximum value of $99,999,999,999.99. Refer to cut-off times for payment processing and cut-off times.

Methods to create RTGS payments:

To create an RTGS from the Create Payment screen, go to the Create Payment screen, click Domestic Payment and complete the sections below.

Payment Information
  1. If you are entitled to more than one Division, select the Division under which the payment will be made
    Did you know that you can setup a default Division? Click here to find out more.
  2. Select the account the funds are being debited From
Payment Method
Select RTGS as the Payment Method. 
Payment Details
  1. Leave the Value Date as is unless you want to choose a future date. To select a future date, up to 60 calendar days, click on Later and choose a future date from the calendar:
     
  2. Enter a Payment Name up to 16 characters that will appear on payment reports
  3. Enter a Payment Reference up to 16 characters that will appear as part of the narrative on the debit account and beneficiary's statements and on payment reports
  4. If required, select a Confidential Data Group from the drop-down list.
    Only users who are entitled to the Confidential Data Group will be able to view and action the payment.
Beneficiary Details
To reduce the risk of fraud, ANZ recommends you always confirm beneficiary details when processing a payment.
  1. Click Add to add a payment instruction to the list
  2. Add Beneficiary
    Add Beneficiary from your Payee List
    Click in the Beneficiary Name field and select a beneficiary from the drop-down list. You can also use the Search Beneficiaries feature to find a beneficiary in your Payee List.
    Add New Beneficiary
    1. Click in the Beneficiary Name field and click Add New Beneficiary
      If Add New Beneficiary isn't visible, you do not have entitlements to create payees.
    2. Enter the Beneficiary Name
    3. If you are adding this beneficiary to your Payee List, enter the beneficiary's Address
    4. If you are adding this beneficiary to your Payee List, enter the beneficiary's City
    5. If you are adding this beneficiary to your Payee List, select the beneficiary's Country or Region from the drop-down list
    6. Enter the 6-digit BSB associated to the Beneficiary Account Number (no spaces or hyphens)
    7. Enter the beneficiary's 9-digit Beneficiary Account Number (no spaces or hyphens)
    8. Click Add this beneficiary to Address Book if you will be paying this beneficiary again
    9. Click Proceed
  3. The Reference contains the Payment Reference and can be changed for this beneficiary if required. The Reference can be up to 16 characters and will appear as part of the narrative on the funding account and beneficiaries statement and on payment reports. 
  4. Enter the Amount to pay the beneficiary
  5. If required, click Beneficiary Payment Details to:
    Remittance Information (optional)
    • Enter Remittance Information up to 140 characters that will appear on the Beneficiary Advice, the Payment Detail Report and Field 70 of the SWIFT MT103 message
    • Enter Invoice Details up to 80 x 60 lines of information that will appear on the Beneficiary Advice and the Payment Detail Report
    • Tick the Email Beneficiary Advice checkbox and enter an email address where the Beneficiary Advice will be sent to
      • You cannot edit the email address if the checkbox is not ticked
      • Pre-populated email addresses are derived from the beneficiary details in the Payee List
      • A sample Beneficiary Advice can be found here
  6. Repeat above steps to add each beneficiary to the payment
To remove one or more payment instructions from the list, tick the checkbox next to the instruction number and click Remove.
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Review and Submit
  1. After you have completed all the payment information, click Review & Submit at the bottom of the screen:
    Error?
    1. Click the drop-down in the Error pop-up to display the error:
    2. Review the highlighted fields on screen and update as required. If a beneficiary has an error, there will be a warning message in the payment instruction:
      Click Beneficiary Payment Details to view the error in the Beneficiary Payment Details pop-up window:
  2. Review the payment details and click Submit to submit the payment for approval:
    If the payment details are not correct, click Previous to return to the previous screen and edit the payment as required.
  3. In the confirmation pop-up window, choose your next course of action:
    • Click Request Payment Summary Report to request the report
    • Click Save Payment as Template to create a template from the payment
    • Click View this Payment to go to the Payment Details screen
    • Click Ok to go to the Current Payments screen