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Create International Payment Template (Australia & New Zealand)

Geography: This article is applicable for ANZ Transactive - Global customers banking in Australia & New Zealand.
Full details are available in Features by Geography.
About International Payment Templates

What is an International Payment Template?

International payments, also known as cross-border payments or telegraphic transfers, allows you to setup frequently used payment instructions to transfer funds from a single funding account to one or more nominated beneficiary accounts worldwide using an ANZ-supported and tradeable currency. International payments often involve two currencies where a foreign currency exchange rate is required.

Once successfully created, you can use the preconfigured template to create your payment instructions.

Payment Template Rules for International Payments

  • Disable Beneficiary changes prevent users from adding or editing any beneficiaries when a payment is created from a template. If your organisation has enabled this product setting in Division Settings, then this indicator cannot be removed.
  • Fields marked with an asterisk (*) within a template are considered mandatory. Additional information can be added at time of payment, including value date, FX rate, additional information, supporting document, etc.
  • Confidential indicator will be enabled for selection for users with Confidential Payments entitlements.
  • Individual Debits indicator will be enabled for selection when two or more beneficiaries have been added to the payment template.
  • Foreign Currency: The exchange rate cannot be provided within a template but only shown once the template is approved and used to create a payment.
  • Template Approvals are required if your organisation needs Approval for templates when creating, editing or deleting a template. Once approved, the template can be used to create a payment.
  • New Beneficiaries added to a template may need to be approved before the template can be used to create a payment.
  • Where (credit) payment currency is IDR, INR, MYR or ZAR, then Beneficiary Bank Country or Region must be ID (Indonesia), IN (India), MY (Malaysia) or ZA (South Africa) respectively.

Who can create an International Payment Template?

Eligible users with Payment Management role permissions and account access can create and manage an International Payment Templates based on your organisation's predetermined user permissions and payment settings. These role permissions can include:
  • Manage Payments - Adhoc (Adhoc & Approved Beneficiaries)
  • Manage Payments - Approved Beneficiary / Templates
  • Manage Payments - Import Payments
  • Manage Payments - FX Allowed
Only users who are entitled to Confidential Payments will be able to view, edit and approve payments created from a template when the confidential indicator selected.
For more information, please refer to Role Permissions and User Permissions.
Payment template input screens
International Payment Template screen
The following image is an example of an international payment template screen with fields including the template name and template description, division, debit account, payment reference, and beneficiary details.
International Payment Template screen.png
Beneficiary Payment Details screen
The following image is an example of a Beneficiary Payment Details screen with fields including the beneficiary's name, address and account details, beneficiary bank details, and additional remittance information.
Benficiary Payment Details screen.png
Beneficiary Details screen
The following image is an example of the Beneficiary Details screen with fields including the beneficiary bank details, beneficiary's name, address and account details, and beneficiary email address.
These field are dynamic and will expand when the Country or Region is entered for the Beneficiary Bank and Beneficiary address.
Benficiary Details screen.png

Create an International Payment Template

To create an international payment template, follow the steps below:

STEP ACTION
1 Click Payments > Templates menu.
2 Click New on the Control Bar.
3 Click International Payment Template.
4 If required, select the Division the payment will be made from.
If you are entitled to more than one division, you can set a default division for future payments.
5 Select the Debit Account.
6 Enter Template Name up to 35 characters. This will become the Template Name when you create a payment from the template.
7 Enter Template Description up to 40 characters.
8 Enter a Payment Reference up to 16 characters that will appear within the narrative on the funding account, beneficiary's statement and payment reports.
9 If required, enter a Debit Advice Description up to:
  • 140 characters where debit account is domiciled is CN or
  • 55 characters where debit account is not domiciled in AU, CN or NZ.
10 If required, select the Payment Currency, if different from the debit account currency. 
Refer to Processing & cut-off times for list of available payment currencies.
11 If required, select a Confidential Data Group.
12 If required, tick Enter Amounts in Debit Currency if payment amount is in a different currency.
13 If required, tick the Individual Debits indicator to generate a separate debit entry on your account for each individual beneficiary payment instruction, where debit account is CNY. For all other domiciled accounts, this option will be selected by default.
14 If required, untick the Disable Beneficiary changes for Payments created from this Template indicator to allow beneficiaries to be added or edited.
15
To reduce the risk of fraud, ANZ recommends you always confirm beneficiary details when processing a payment.
Click Add to add one or more beneficiary details using the following options:
Add Beneficiary from your Beneficiaries list
Search and select the Beneficiary from the Beneficiary Name field, then proceed to next steps. If required, click Add again to add additional beneficiaries.
Add New Beneficiary
Users must have entitlements to create new beneficiaries to complete these steps.
STEP ACTION
1 If required, tick Add this Beneficiary to your Beneficiaries, when the payment is submitted.
2 Select Beneficiary Bank Country or Region.
The following fields will be based on the debit account and Beneficiary Bank Country or Region selected.
3 Select the Clearing Code Type.
Options based on Beneficiary Bank Country or Region include:
  • SWIFT
  • Australian Bank State Branch (BSB) Code (AU) - AU
  • Canadian Payments Association Payment Routing Number (CA) - CC
  • CHIPS Universal Identifier (US) - CH
  • Fedwire Routing Numbers (US) - FW
  • New Zealand National Clearing Code (NZ) - NZ
  • South African National Clearing Code (ZA) - ZA
  • UK Domestic Sort Code (GB) - SC
4 Enter SWIFT Code or Clearing Code.
Options based on the Clearing Code Type selected.
5 Enter Account Number/IBAN.
6 If required, select Account Type: (Beneficiaries in China)
  • Resident Individual
  • Non-Resident Individual
  • Resident Corporate
  • Non-Resident Corporate
7 Enter Beneficiary Name up to 35 characters.
8 If required, enter Beneficiary Email Address(es) up to 255 characters if sending a Beneficiary Advice. Multiple Email Addresses must be separated by a comma (,).
Please refer to General Payments FAQs for a sample Beneficiary Advice.
9 If adding Beneficiary to your Beneficiaries list, enter a unique My Beneficiary ID up to 35 characters.
10 Select Beneficiary Country or Region.
11 Enter Beneficiary Address and City up to 35 characters per line.
12 Click Proceed.
13 If required, click Add again to add additional beneficiaries.
Proceed to next steps.
16 If required, enter Client Reference up to 16 characters if different from the Payment Reference prepopulated.
17 Enter the Beneficiary payment Amount.
18 If required, click Information for Payment Details icon to view or update additional beneficiary information:
Add or update Beneficiary Payment Details
STEP ACTION
1 Add or edit Beneficiary.
2 Add or edit Payment Currency & Amount or Debit Currency & Amount.
3 If required, add or enter Client Reference up to 16 characters and will appear as part of the narrative on the debit account and beneficiary's statements and on payment reports.
4 If required, select the Purpose Type for CNY and MYR payments:
Payment Purposes
CURRENCY CODE DESCRIPTION
MYR /11100/ Freight on goods
MYR /11200/ Passenger fare
MYR /11999/ Other transport services
MYR /12300/ Operational lease
MYR /13299/ Travel for personal / business purposes
MYR /13300/ Travel for pilgrimage and religious observances
MYR /13400/ Travel for medical treatment
MYR /13500/ Education
MYR /14100/ Investment income
MYR /14229/ Interest on loan obligations
MYR /14259/ Interest on deposits, debt securities, etc.
MYR /14300/ Remuneration for employees
MYR /15100/ Government offices
MYR /16100/ Communication services
MYR /16200/ Construction and installation services
MYR /16300/ Insurance services
MYR /16400/ Financial services
MYR /16500/ Computer and information services
MYR /16600/ Royalties and licence fees
MYR /16710/ Merchanting trade
MYR /16720/ Sharing of administrative expenses
MYR /16730/ Research and development
MYR /16740/ Technical services (e.g. engineering)
MYR /16750/ Agricultural, mining and on-site processing
MYR /16760/ Business services
MYR /16771/ Legal services
MYR /16772/ Accounting services
MYR /16773/ Management consulting services
MYR /16780/ Rental services
MYR /16800/ Personal, cultural and recreational services
MYR /16999/ Other services
CNY /CSTRDR/ Payments for Services
CNY /CGODDR/ Payments for Goods
CNY /CCTFDR/ Capital Payment
CNY /CCDNDR/ Charity Donation
CNY /COCADR/ Other Current Account Transactions
5 Select Charges:
  • SHA - you pay outgoing transfer charges, and the beneficiary pays the correspondent bank charges. The beneficiary will receive the payment minus the correspondent bank charges. 
  • OUR - you pay all transfer charges, and the beneficiary receives the full amount of the payment.
  • BEN - the beneficiary pays all transfer charges and receives the payment minus the transfer charges (only available in China).
6 If required, enter Intermediary Bank details, where debit account is CNY:
  • Select Clearing Code Type
  • Search and select Clearing Code
If the intermediary bank input field is not visible for your international payment instruction, please contact your ANZ Customer Service Centre for assistance with updating your organisation’s permissions.
7 If required, 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.
8 If required, enter Additional Details up to 80 characters x 100 lines of information that will appear on the Beneficiary Advice and the Payment Detail Report.
Any text that exceeds these limits, will be truncated.
9 If required, enter a Debit Advice Description up to:
  • 140 characters where debit account is domiciled is CN or
  • 55 characters where debit account is not domiciled in AU, CN or NZ.
10 If required, tick Email Beneficiary Advice and enter email address(es) up to 255 characters, separated by a comma.
Please refer to General Payments FAQs for a sample Beneficiary Advice.
11 If required, click Upload Documents to attach .doc, .docx, .jpg, .jpeg, or .pdf supporting documents for this payment instruction, with up to five files not exceeding a total size of 5MB, where debit account is CNY.
12 If required, enter Additional Information for regulatory requirements, where debit account is CNY.
If you complete the BOP form in ANZ Transactive - Global, you do not need to provide a hard copy of the form to the Bank.
How to complete the Balance of Payment (BOP)
FIELD HOW TO COMPLETE
Provided BOP form manually to bank If you have provided the BOP (Balance Of Payments) form manually to the bank, select this checkbox.
NOTE: If selected the remaining fields will no longer be visible.
Amount in Words Enter the amount of the payment in words.
NOTE: This will be auto populated in English if an amount has been entered.
BOP Transaction Code 1 Select the appropriate BOP Transaction Code.
BOP Transaction Description 1 This will be auto populated based on the BOP Transaction Code 1 selected. You can update the description if required. 
BOP Currency 1 This will be auto populated based on the Payment Currency or Debit Currency being used.
BOP Amount 1 Enter the BOP Amount for BOP Transaction Code 1.
BOP Transaction Code 2 If required, select the appropriate BOP Transaction Code.
NOTE: This needs to be a different Transaction Code to BOP Transaction Code 1.
BOP Transaction Description 2 This will be auto populated based on the BOP Transaction Code 2 selected. You can update the description if required. 
BOP Currency 2 If you are using BOP Amount 2, enter the transaction currency.
BOP Amount 2 Enter the BOP Amount 2 for BOP Transaction Code 2.
NOTE: BOP Amount 1 plus BOP Amount 2 should equal the total BOP amount.
BOP Reporting Type Select the BOP reporting type from the drop-down list.
Unit Code Enter the 9-digit Unit Code of your organisation.
Resident Country/Region Name This will be auto populated based on the remitter’s bank country name.
Resident Country/Region Code This will be auto populated based on the remitter’s bank country name.
Payment Nature Select the nature of the payment from the drop-down list.
NOTE: This should be based on the declaration document.
Tax Free Goods Select Yes or No.
Type of Payment Select the type of payment from the drop-down list.
Contract Number If there is a contract for this transaction, enter the Contract Number or enter "N/A".
Invoice Number If there is an invoice for this transaction, enter the Invoice Number or enter "N/A".
SAFE Batch Registration Number Enter the 20-digit Safe Batch/Registration Number or enter "N/A".
13 Click Save.
19 Do you wish to continue the payment at a later stage?
  • Yes - Click Save as Draft, then click OK and Close Payment to exit out to the payment and return to the Current Payments screen. Payment will be in a Draft status.
  • No - Continue steps below
20 Click Review & Submit.
21 Click Submit.
RESULT: Payment has been submitted and pending approval.

 

Errors and Alerts
Error and alert messages such as 'fields validations' display information about the impacted field(s) and highlights the field(s) in red. Error messages are specific to the payment method types, fields available and particulars validations. You can update the information within the impacted field(s) and continue processing the payment.

Mandatory field validations

Error - Mandatory Fields.png

Beneficiary alert notifications

  • Error is indicated by a red triangle. Details must be corrected to proceed with payment processing.
  • Alert with Warning is indicated by an amber triangle. Details can be corrected or accepted to proceed with payment processing.
Beneficiary Alert notification AU & NZ.png

Errors and Alerts within the Beneficiary Payment Details screen

  • Error is indicated by a red triangle. Details must be corrected to proceed with payment processing
  • Alert with Warning is indicated by an amber triangle. Details can be corrected or accepted to proceed with payment processing
Errors and Alerts AU & NZ.png

Next Steps

When the payment template has been successfully submitted for approval and is in a Pending Approval status, the next steps can be:

When the payment template has been successfully approved and is in an Approved status, the next steps can be:

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