General Payments FAQs
What is the maximum payment value in a transaction?
RTGS/SCP: While the system accepts $99,999,999,999.99 the downstream payment system has a $1Billion limit and will therefore break a payment that is greater than $1B into separate transactions for processing.
Osko: Maximum value set by your Daily Osko Limit up to a maximum as $99,999,999,999.99
Osko: Maximum value set by your Daily Osko Limit up to a maximum as $99,999,999,999.99
Country | Payment Method | Currency | Maximum Amount |
Australia | Book Transfer (BKT) | Multiple | 99,999,999,999.99 |
Book Transfer (XBKT) | Multiple | 99,999,999,999.99 | |
BPAY | AUD | 99,999,999,999.99 | |
Direct Debit (DD) | AUD | 99,999,999.99 | |
Direct Entry (DE) | AUD | 99,999,999.99 | |
MULTIBANK | Multiple | 99,999,999,999.99 | |
Osko | AUD | 99,999,999,999.99 | |
RTGS | AUD | 99,999,999,999.99 | |
International Payment (TT) | Multiple | 99,999,999,999.99 | |
China | Book Transfer (BKT) | Multiple | 99,999,999,999.99 |
Book Transfer (IBKT) | Multiple | 99,999,999,999.99 | |
Direct Entry (BEPS) | CNY | 50,000.00 | |
Direct Entry (IBEPS) | CNY | 99,999,999,999.99 | |
RTGS (CBHVPS) | CNY | 99,999,999,999.99 | |
RTGS (ICBHBPS) | CNY | 99,999,999,999.99 | |
RTGS (DHVPS) | CNY | 99,999,999,999.99 | |
RTGS (IDHVPS) | CNY | 99,999,999,999.99 | |
International Payment (TT) | Multiple | 99,999,999,999.99 | |
International Payment (ITT) | Multiple | 99,999,999,999.99 | |
New Zealand | ACK | NZD | 99,999,999,999.99 |
Book Transfer (BKT) | Multiple | 1,000,000,000.00 | |
Book Transfer (XBKT) | Multiple | 1,000,000,000.00 | |
Direct Debit (DD) | NZD | 99,999,999,999.99 | |
Direct Credit (DC) | NZD | 99,999,999,999.99 | |
Same Day Cleared Payment (SCP) | NZD | 99,999,999,999.99 | |
International Payment (TT) | Multiple | 1,000,000,000.00 |
What is the maximum number of records that can be displayed in the Current Payment screen?
Chrome and other browsers can display 10,000 records per page.
Click Previous or Next to move between pages.
Can I delete a future dated payment prior to the future date?
Yes. For authorised future dated payments, you can Stop the payment, which will revert it into a Draft status. You can then Edit or Delete the payment instruction.
What is the maximum number of days a payment can be future dated?
Country | Payment Type | Future Days (calendar) |
Australia | Transfer | 120 |
Transfer (cross border) | 60 | |
Direct Entry | 120 | |
RTGS | 60 | |
Osko | 60 | |
BPAY | 60 | |
International Payment | 60 | |
Direct Debit | 120 | |
China | Transfer | 120 |
Transfer (cross border) | 20 (business days) | |
Direct Entry (BEPS) | 20 (business days) | |
RTGS (DHVPS) | 20 (business days) | |
RTGS (CBHVPS) | 20 (business days) | |
International Payment | 20 | |
New Zealand | Transfer | 120 |
Transfer (cross border) | 60 | |
Direct Credit | 120 | |
SCP | 60 | |
International Payment | 60 | |
Direct Debit | 120 |
What users can access Domestic Salary Payments?
Only users with the Payroll entitlement will be able to view and action a Domestic Salary Payment:

What does a Beneficiary Advice look like?

- A Beneficiary Advice is received as a PDF attachment
- If you have downloaded a Beneficiary Advice within ANZ Transactive - Global, the Account Number will not be masked
Email Subject Line: "Notification: Incoming Payment to <Beneficiary Name>, Reference: <Payment ID>"
Subject:
Dear Sir / Madam,
A fund transfer has been made to your account based on an instruction from <Division Name>.
Transaction Details:Beneficiary Name: <Beneficiary Name>
Reference: <Payment ID>
Amount: <Amount>
Please see the attached for details.
ANZ Cash Management Services
Australia and New Zealand Banking Group Limited ABN 11 005 357 522.
Can I make a payment to a credit card?
Customers in Australia can pay into a credit card via Pay A Bill using BPAY. The beneficiary will need to provide the Biller Code as detailed on their credit card statement. The Reference Number is the credit card number.
Why can’t I see “Add New Beneficiary” when creating a payment?
You will only see “Add New Beneficiary” if you have permission to create new beneficiaries.
How can I view beneficiary payment details?
To view beneficiary details, select the payment in the Current Payments or Past Payments screen, scroll down to the Beneficiary Details section and double click on the relevant beneficiary in the list.
How does a user’s daily discretion limit apply when approving a payment?
The user's daily discretion is calculated based on the Value Date on the payment and not on the day the payment was processed.
Where multiple roles set conflicting approval discretion values for a payment type, the lowest approval discretion value will apply.
Does a user’s Batch Limit ever supersede the Transaction Limit?
Batch and Transaction discretions are independent. For example, if a user has a Batch limit of 3 million and a Transaction limit of 1 million, the user will not be able to approve a payment batch consisting of 1 transaction for 2 million, as the transaction level discretion has been exceeded.
Where multiple roles set conflicting approval discretion values for a payment type, the lowest approval discretion value will apply.
How much is a late lodgement fee (Australia customers only)?
A fee of $70.00 is charged per batch if a Domestic Payment is submitted to ANZ for processing (upon final approval) between 6 pm to 7:30 pm Melb/Syd time.
What is the approximate timeframe the other bank will receive domestic funds?
Payment Type | Payment Purpose | When will the beneficiary receive funds?* |
Domestic | Everyday regular payments. | ANZ beneficiaries will receive funds on the same day.
Beneficiaries with other major banks will receive funds on the next business day. Beneficiaries with other financial institutions including credit unions may take up to 3 days to receive funds. |
RTGS/SCP | Urgent or high-value payments. | Same day, generally within 4 hours. |
Osko | Urgent payments or payments addressed to a Pay ID. | Almost immediately if the beneficiary’s account has Osko by BPAY®. |
*Timeframes are indicative only
See Processing & cut-off times for more information.
What is the approximate timeframe to process a return of funds?
- Domestic return of funds: Up to 5 business days
- International return of funds: Up to 10 business days
- Recall of funds: Up to 30 business days
What are the approximate timeframe payments will stay in the Current Payments screen?
Payments in a Completed, Completed with Error, Bank Rejected or Deleted status are purged from Current Payments after 30 days. All other payments will remain in the system indefinitely.
What time zone is the cut-off time displayed in?
The cut-off time in the web application is displayed in the Time Zone set up in User Settings > Settings & Preferences. The cut-off time in the mobile application is displayed in the payment time zone. The system determines the cut-off time based on the following attributes: Country payment originated, Payment Type and Payment Currency.
What is considered a duplicate payment?
A batch payment is a potential duplicate if there is an existing batch payment that meets all of the following conditions at BOTH batch level and the first payment within the batch:
Batch conditions:
- Has a Batch Status other than Draft, Deleted, Approver Rejected, Bank Rejected or Needs Repair
- Requested Value Date is either in the past 6 business days, current date or next 6 business days
- Part of the same customer Division
- Batch Debtor Account Number
- Batch Name
- Number of Items
- Batch Total Instructed Amount
- Batch Instructed Currency
- Creditor Account Number
- Instructed Amount
- Instructed Currency
- Customer Reference
Where will the Payment Reference appear for a BPAY payment?
The Payment Reference in the Payment Details of a BPAY payment will appear on the Payment Reports. This reference will not appear on the account statements.
What is the retention period for payments when purged and archived?
Payments are available within the Past Payment screen for up to 24 months. You can also download a payment report with up to 24 months of data. For data beyond this period, please contact ANZ.
Why can't I see all my accounts when creating payments?
Registered accounts are provisioned per payment type and assigned to your user entitlements. To add or remove accounts from your assigned payment types, please refer to your company administrator to Update Accounts/Account Groups to your user entitlements.
Why does my payment have a Needs Repair status?
Payment instructions must be correctly formatted to process a payment successfully. The payment must include, at a minimum: all mandatory fields, be within the character limit, and meet the character and field requirements, i.e., numeric fields, alpha fields, special characters where required, etc.
For payments with a Needs Repair status, click the payment to view the Errors and Alerts description to determine the repair reason, e.g., Mandatory field missing; Invalid Tran Code; Possible duplication, etc. Update the impacted field(s) and continue processing your payment.
To minimise payments generating a Needs Repair status, check the payment instructions against the File Format Guides or use the File Checker to validate your payment instruction before uploading the payment file.
International Payments FAQs
Can I use an Intermediary Bank for International Payments?
Yes. You can use the intermediary bank as the middle bank between an issuing bank and a receiving bank, sometimes in different countries or regions. An intermediary bank is required when international wire transfers occur between two banks, often in different jurisdictions that do not have an established financial relationship.
Why can’t I see the Intermediary Bank input fields for my International Payment?
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. 
How do we input a beneficiary name that is more than 35 characters in an International Payment?
Where a Beneficiary Name is more than 35 characters, continue to write the beneficiary's name in Address Line 1.
What does Needs Rate mean when making an international payment?
After a cross-currency payment has been fully approved, the system checks whether an exchange rate is required, and if so, puts the payment into a Needs Rate status. To get a dynamic rate for a payment, go to Get Rate.
Why can’t I select a dynamic rate?
Some payments require a contract to be used when paying from or to a particular currency. If the currency requires a contract, the dynamic rate option will not be available to select. In these instances, please contact your local ANZ Markets dealer to book a rate.
Paying from or into one of the following currencies always requires a contract:
- Australia: BHD, HRK, IDR, MYR, QAR and RON
- New Zealand: CZK, HUF, IDR, KWD, MUR, MXN, OMR and PLN
How can I trade in CNH currency?
If you need to trade in CNH, select CNY from the Currency drop-down list as this denotes the value of the same currency, Renminbi (RMB).
What is ANZ's SWIFT code?
- ANZ's AU SWIFT CODE is ANZBAU3MXXX
- ANZ’s NZ SWIFT CODE is ANZBNZ22XXX
How do I view an MT103 message?
Go to Generate MT103 Messages for instructions on how to view a MT103 message for International payments in a Completed status.
How can I add additional information in the MT103?
You can add Remittance Information in Beneficiary Details in an RTGS (AU) or International Payment. This will appear in Field 70 of the MT103 message.
International Payment Tracking FAQs
What is International Payment Tracking?
International Payment Tracking allows you to view more information about your GPI compliant international payments. ANZ receives this information as a SWIFT GPI member and we relay this information to you through Transactive – Global in near real-time.
What is SWIFT GPI?
SWIFT Global Payments Initiative (SWIFT GPI) is an industry initiative aimed at providing transparency of payment processing between Correspondent Banks and to transform the cross-border payment experience. They aim to make cross-border payments faster, traceable and more transparent. As of November 2020, more than 1059 banks have joined the service and provide confirmation of payment received in real-time.
What are the criteria for a payment to be available on International Payment Tracking?
Payments available for full tracking must satisfy all the criteria below:
- Payment initiated and successfully processed by ANZ within the last 30 days.
- Payment must be cross-border (i.e. excludes domestic payments).
- Payment must be cross-banks (i.e not ANZ to ANZ).
- All banks within the payment route must be a SWIFT GPI member bank.
Can I track a batch of international payments?
Yes, you can track individual payments within a batch.
Why can’t I track international payments from one ANZ account to another ANZ account?
International payments sent from one ANZ account to another ANZ account are not sent via the SWIFT network.
Why are Multibank payments excluded?
Multibank payments are not payments, but rather MT101 messages sent to another bank requesting payments.
Is there a list of SWIFT GPI compliant banks?
Yes, a full list of available SWIFT GPI compliant banks is available on the SWIFT GPI website.
Can I track international payments created in a Confidential Data Group?
Yes, you can track international payments created in a Confidential Data Group if you have permission to the Confidential Data Group. The payments you can see on the tracker will depend on your view permissions in Transactive – Global.
Why can't I see a payment I just initiated or initiated recently in the International Payment Tracking screen?
International Payment Tracking is only available after a payment has been processed by ANZ. If you have recently submitted an international payment to ANZ for processing, it might still be waiting for ANZ to process. To check if this is the case:
- Go to the Current Payments Screen.
- Select the payment you would like to check.
- If the payment is in an "In Progress" status then it is still pending payment processing within ANZ.
- Once the payment is in a "Completed" status, it will be displayed in the International Payment Tracking screen.
My international payment has been completed, however is still coming up as “In Progress” in the International Payment Tracking?
Transactions “Completed” in Past Payments means that it has been successfully completed and processed by ANZ.
"In Progress" Payments can be due to two different reasons:
- The payment is still under processing by intermediary or beneficiary bank.
- The payment was sent to a non-GPI compliant bank and we will not get any further updates from the intermediary or beneficiary banks.
If there is no change to payment tracking status after 3 working days, please contact your relevant ANZ Customer Service Centre for a trace or investigations request.
What information does International Payment Tracking include?
Does the Total Time include ANZ processing time?
No, the Total Time does not include the ANZ process timing. Total Time is calculated from the receipt of payment by the first GPI compliant bank in the payment journey until payment is received by the beneficiary.
Why can't I see the Total Time of my payment?
The Total Time is only displayed for payments in either a Completed or Rejected status.
Why can't I see the Duration of my payment?
Duration is only available where a GPI compliant intermediary bank is involved in the payment route.
How do I view tracking information for international payments initiated more than 30 days ago?
Please follow the current method of contacting your relevant Customer Service Centre for a trace or investigations request.
Why can't I use Filter on the Control Bar when I have enabled the Toggle2 Accessible Grid?
The toggle2 accessibility grid function is made to comply with the WCAG (Web Content Accessibility Guidelines) in order to assist with screen read out and desktop accessibility features.
What does a 'Rejected' status mean?
The payment has either been rejected by a correspondent bank or the beneficiary bank. For further information please contact your relevant Customer Service Centre.
Osko Payments FAQs
What is Osko?
Osko is a payment type available in Australia and enables you to make and receive faster, smarter and simpler payments at any time, on any day of the year on eligible accounts via any participating financial institution.
How much does an Osko payment cost?
Please refer to your Cash Product Fee Schedule for further information.
How do I change our Daily Osko Limit?
Please contact your ANZ representative if you need to change your daily Osko limit.
How can I find our Daily Osko Limit?
You can find the Daily Osko Limit in Payment Details when creating an Osko payment.
From 1 November 2021, a new Osko daily limit of $50,000 will apply when an Osko payment has not been processed in the last 24 months. The new daily limit will apply in aggregate across all accounts held in a customer group and linked to the same Transactive site. It will not affect any other payment limits.
How can I view Osko payments received on the weekend?
You can view Osko payments from the Operating Accounts screen by selecting your account and clicking the Today view. For payments received on the weekend, you will continue to select the Today view until Business day +1.

Payee Lists FAQs
When are payees purged from the Payee List screen?
Payees in the Payee List are not purged from the system.
How can I import beneficiaries into the Payee List?
You can import SWIFT beneficiaries using Upload Beneficiaries. If you need to add a large number of AU or NZ beneficiaries to your Payee List, you can upload a domestic payment file containing the beneficiaries, then Create Template from Payment without approving the payment. This will add all beneficiaries to the Payee List. Please ensure to delete the unwanted template and payment.
Payment Files FAQs
What payment file formats are available?
Go to Upload Payment File to view a list of available file formats.
How can I check an ABA file is in the correct format?
An ABA file checker is available on anz.com/onlineresources under Technical Guides and involves uploading an ABA file and selecting Check. It then validates the ABA file (debits or credits) and provides on-screen information to correct the file if needed.
Can I upload a payment file containing multiple currencies or payment types?
In ANZ Transactive - Global, a payment upload file can only accept one currency and one payment method type.
Can a MT101 file create a batch of payments?
No, a MT101 file creates a single payment for each instruction in the file. You can however create a batch of same-currency payments. See International Payment for more information.
Can a BPAY file be bulk debited?
No, as a BPAY file creates a single payment for each instruction in the file, there is a single debit for each BPAY payment.
Why can't I untick "Disable Beneficiary changes" on the Upload Payment File screen?
This is because "Disable Beneficiary Bank changes for Payments created from File Imports" is enabled in Administration > Other Settings > Division Details. An Administrator can remove this setting if required, which will allow the user importing the file to choose to select this feature.
What is the maximum number of instructions that can be sent in a payment?
- Domestic Payment: 100,000
- RTGS/SCP: 5,000
- Osko: 5,000
- International Payment: 5,000
- BPAY: 9,999
If I nominate to import an ABA file as Payroll, will the Transaction Codes be updated to 53?
Yes, if you have nominated the file to be uploaded as a Domestic Salary Payment and the Transaction Code is not 53, the Transaction Code will be updated.
Payment Templates FAQs
How long does it take to change a payment template?
Amendments to existing payment templates should take no longer than 10 minutes depending on the information to be amended. To amend a payment template, follow the steps below:
- Select Payments from the Menu
- Select Templates from the sub-menu
- Select the required template from template list
- Click Edit on the Control Bar
- Amend required details
- Click Review and Submit
- Review changes and click Submit
When are templates purged from the Templates screen?
Templates in a Deleted status are purged from the system after 30 days. All other templates will remain in the system indefinitely.