International Payment

International payment is a payment from a single funding account to one or more nominated beneficiary accounts worldwide using an ANZ-supported and tradeable currency. For MT101 files, each payment instruction is processed as a single batch. You can create a batch of same currency International Payments using one of the other methods listed below. Refer to cut-off times for processing and cut-off times. 

Methods to create International Payments:

• Upload a MT101 file
• Use a payment template
• Use a past payment
• Use the Create Payment screen:

To create an International Payment, go to Create Payment from the Payments menu and click International Payment, then 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 Details

1. Choose the Value Date for your payment
   • Today (default)
   • Later - enter the future date
   Payments can be future dated up to 60 calendar days if funded from an AUD or NZD account.
   Payments can be future dated up to 20 calendar days if funded from a CNY account.
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, beneficiary's statements and on payment reports
4. Select the Payment Currency from the drop-down list
   Please note that OMR (Omani Rial) is currently not available to use within ANZ Transactive - Global.
5. If required (where debit account is CNY), enter a Debit Advice Description up to 140 characters that will appear on the Debit Advice
6. If required, select a Confidential Data Group from the drop-down list
   Only users entitled to the Confidential Data Group will be able to view and action the payment.
7. If required, tick the Enter Amounts in Debit Currency checkbox to enter the amounts to credit the beneficiaries in the currency of the debit account 
8. If required (where debit account is CNY), tick Individual Debits if you need one statement entry for each transaction processed
   Not available for International Salary Payments (China only).

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. Click in the Beneficiary Name field and choose from one of the following options:
   Add Beneficiary from your Payee List

   Select a beneficiary from the drop-down list or use the Search Beneficiaries feature to find a beneficiary in your Payee List.
   Add New Beneficiary

   If Add New Beneficiary is not visible, you do not have entitlements to create payees.

   BENEFICIARY DETAILS

   1. Enter full Beneficiary Name
   2. Choose from one of the following options:
      • IBAN - for payments to Europe and selected other countries
      • OTHER
   3. Enter the beneficiary Account Number/IBAN
   4. Select an Account Type for beneficiaries in China
      • Resident Individual
      • Non-Resident Individual
      • Resident Corporate
      • Non-Resident Corporate
   5. If required, enter an (one) Email Address to send a Beneficiary Advice
   6. Enter the Address, City and Country or Region where the beneficiary resides (must not be a PO Box address)

   BENEFICIARY BANK INFORMATION

   1. Select the Beneficiary Bank's Country or Region
   2. Select the applicable Clearing Code. The options available are based on the Beneficiary Bank's Country or Region. Some examples include:
      • SWIFT
      • Australian Bank State Branch (BSB) Code (AU) - AU
      • CHIPS Universal Identifier (US) - CH
      • Fedwire Routing Numbers (US) - FW
      • UK Domestic Sort Code (GB) - SC
   3. Click the Search icon to display the Find a Clearing Code pop-up window
   4. Enter one or more search criteria and click Search
      
   5. Select the Beneficiary Bank from the search results grid
      Please do not select ANZBAU3R as your beneficiary’s bank Swift Code. If you have been asked to use ANZ's AU Swift Code, please select ANZBAU3MXXX.
   6. If required, click Add this beneficiary to Address Book to save this beneficiary for future use
   7. Click Proceed
3. Enter the Amount to pay the beneficiary
4. Click Beneficiary Payment Details to update the following:
   Payment Details & Charges

   1. For CNY and MYR payment currencies, select the Payment Purpose from the drop-down list
      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

   2. Select who will incur the transfer charges associated with the payment: 
   • BEN: beneficiary pays all transfer charges and receives the payment, minus charges (only available in China)
   • OUR: you pay all transfer charges, and the beneficiary receives the full amount of the payment
   • SHA: (default) you pay outgoing transfer charges, and the beneficiary pays the correspondent bank charges. The beneficiary will receive the payment minus the correspondent bank charges. 
   3. If required, update the Client Reference. This field can be up to 16 characters and will appear as part of the narrative on the debit account, beneficiary's statements and on payment reports. 
   Intermediary Bank (optional)

   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.
   

   1. Select the Bank Code Type from the drop-down list
   2. Click on the Bank Code Search icon to display the Find a Clearing Code pop-up window
   3. Enter one or more search criteria and click Search
      
   4. Select the intermediary bank from the search results grid
   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
   • If required, tick the Email Beneficiary Advice checkbox and enter an (one) Email Address to send a Beneficiary Advice
     • 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
   FX Details and Debit Advice (China only)

   1. Complete FX Details if required for this beneficiary.
      Only available if the debit and credit currencies are different and you have selected Individual Debits.
   2. Enter a Debit Advice Description up to 140 characters that will appear as part of the narrative on the Debit Advice.
   Supporting Documents & Additional Information (China only)

   1. Complete Supporting Documents if you need to upload a file to accompany your payment. Click Attach Document to find and attach the required file.
      A maximum of five files can be uploaded. The total size of all files cannot exceed 5MB. The supported file extensions are doc, docx, jpg, jpeg and pdf.
   2. If your beneficiary requires additional regulatory information, complete the Additional Information section. Mandatory fields are marked with an asterisk.
      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.

      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 CCY1*	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 CCY 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.
      Unit Code*	Enter the 9 digit Unit Code of your organisation.
      Beneficiary Resident Country/Region Name*	This will be auto-populated based on the remitter’s bank country name.
      Beneficiary 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".
      BOP Reporting Type*	Select the BOP reporting type from the drop-down list.

5. Repeat the 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.

FX Details

Choose from one of the following rate types:

• Dynamic (default) - no further action required
• Contract - follow the steps below

To obtain an FX Contract, contact your local ANZ Markets dealer. Contracts will appear in ANZ Transactive – Global for selection after they have been booked.

1. Select Contract from the Rate Type drop-down list
   
2. Click Add FX Contracts
3. Select one or more booked FX Contracts to add to the payment and click OK
   
   1. If the debit account is AU or NZ domiciled, up to nine Contracts can be added unless you select Use Dynamic Rate for Remaining Amount. In this case, only eight Contracts can be added.
   2. If the debit account is CN domiciled, up to five Contracts can be added unless you select Use Dynamic Rate for Remaining Amount. In this case, only four Contracts can be added. 
4. Select the Use Dynamic Rate for Remaining Amount checkbox if you need additional funds not covered by the FX Contract(s).