Payments FAQs

Go to Upload Payment File to view a list of available file formats.

An ABA file checker is available on anz.com/onlineresources under Technical Guides and simply involves uploading an ABA file and selecting Check. It then validates the ABA file (debits or credits) and provides on-screen information in support of correcting the file if needed.

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.

No, as a BPAY file creates a single payment for each instruction in the file, there is a single debit for each BPAY payment.

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.

• Domestic Payment: 100,000
• RTGS/SCP: 5,000
• Osko: 5,000
• International Payment: 5,000
• BPAY: 9,999

• Domestic Payments: $99,999,999.99
• RTGS/SCP: 1 cent less than a 100 billion i.e. $99,999,999,999.99. Note that while the system accepts this value, the downstream payment system has a $1B limit and will therefore break a payment that is greater than $1B into separate transactions for processing.
• Transfers: 1 cent less than a 100 billion i.e. $99,999,999,999.99
• International Payment: maximum value follows the SWIFT standards in MT101 i.e 12 digits, e.g:  $9,999,999,999.99
• BPAY: minimum and maximum values are dependent on the biller.

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

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.

Only users with the Payroll entitlement will be able to view and action a Domestic Salary Payment:

Email From: "Do-not-reply@anz.com"
Email Subject Line: "Notification: Incoming Payment to <Beneficiary Nam>, Reference: <Payment ID>"
Subject:
     Dear Sir / Madam,

     A fund transfer has been made to your account based on 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.

No, you cannot make a payment to a credit card.

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.

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.

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).

Yes. If you cannot see an Intermediary Bank section in the Beneficiary Details pop-up window, please contact your ANZ representative.

Go to Generate MT103 Messages for instructions on how to view a MT103 message for International and RTGS payments in a Completed status.

You will only see “Add New Beneficiary” if you have permissions to create new beneficiaries.

Where a Beneficiary Name is more than 35 characters, continue to write the beneficiary's name in Address Line 1.

The user's daily discretion is calculated based on the Value Date on the payment.

Batch and Transaction discretion's 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.

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.

Please contact your ANZ representative if you need to change your daily Osko limit.

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®.

See Processing & cut-off times for more information.

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.

This depends on the browser you are using:

• Internet Explorer can display 1000 records per page
• Chrome and other browsers, can display 10,000 records per page

Click Previous or Next to move between pages.

The time is displayed in the Time Zone set up in User Settings > Settings & Preferences. The system determines the cut-off time based on the following attributes: Country payment originated, Payment Type and Payment Currency.

Templates in a Deleted status are purged from the system after 30 days. All other templates will remain in the system indefinitely.

Payees in the Payee List are not purged from the system.

You can import SWIFT beneficiaries using Upload Beneficiary. If you need to add a large numbers or 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 into the Payee List. Please ensure to delete the unwanted template and payment.