Payments FAQs

If the menu is not visible, this will be for one of two reasons:

1. Your user profile has not been provisioned with access; or
2. Your organisation has not been provisioned with access.

Your Administrator can confirm if your organisation has been provisioned by viewing the list of available roles in the Role Management screen. If the All Entitlements Role is shown, then your Administrator can assign it to you. If the All Entitlements Role is not shown, please contact your ANZ Representative for further assistance.
For more information, please also refer to New User FAQs.

It is a requirement that security device approvers must have identity verification information registered with ANZ to approve payments and direct debits. For more information, please refer to Digital Services Security Features.

Chrome and other browsers can display 10,000 records per page.

Click Previous or Next to move between pages.

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.

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 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.

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.

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

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.

The user's daily discretion is calculated based on the Value Date on the payment and not on the day the payment was processed.

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.

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.

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.

• 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

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.

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.

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 calendar days, current date or next 6 calendar days
• Part of the same customer Division

Has the same batch level details:

• Batch Debtor Account Number
• Batch Name
• Number of Items
• Batch Total Instructed Amount
• Batch Instructed Currency

Payment level details (first item in the batch):

• Creditor Account Number
• Instructed Amount
• Instructed Currency
• Customer Reference

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. 

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.

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.

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.

To ensure a payment is processed successfully, there are several criteria that needs to be met:

• Your debit account is sufficiently funded
• The payment must include all mandatory fields for the payment type
• The payment instructions must be correctly formatted 
• If required, the SWIFT instructions are correctly advised and/or formatted
• The payment instructions do not contain any Anti-Money Laundering (AML), Counter Terrorism Financing (CTF) or Sanctions issues

To minimise payment processing delays, payment instructions can be checked against the File Format Guides or use the File Checker (for AU domestic ABA payment files only) to validate your instruction before uploading.

Available Balance refers to balances within the current day (without overdraft limit) and may include cleared and uncleared funds. It is also the amount available for making an Account Transfer payment type.

Available Funds refers to the current available funds for the account that can be used for funding payments and includes the overdraft limit, if applicable, and may include cleared and uncleared funds.

Where a CNY dynamic rate is required for cross-currency payments outside of mainland China, a CNY offshore rate will be applied.

Please contact our ANZ Customer Service Centre or your ANZ Representative to book a CNY onshore contract rate. Please ensure you have the required supporting documents for your payment instruction where a CNY onshore rate is required.

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.

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.

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

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.

GEOGRAPHY	SWIFT CODE
Australia	ANZBAU3MXXX
China	ANZBCNSH – multiple cities
Hong Kong	ANZBHKHXXXX
New Zealand	ANZBNZ22XXX
Singapore	ANZBSGSXXXX

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

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.

Please refer to Making International Payments for more information or contact your ANZ Representative.

For an international payment, the following Beneficiary and Beneficiary Bank details may be required and are subject to the currency(ies) and geographies used in the payment instruction.

• Beneficiary:
  • Full Beneficiary name
  • Full address including city/state/country or region (do not use PO Box addresses)
  • Account Number e.g.:
    • BSB (Bank, State, Branch) for payments to Australia. Format: six-digit BSB, then account number
    • IBAN (International Bank Account Number) for payments to Europe and selected other countries and regions. Format: two-character country code, two check digits, and up to thirty-five alphanumeric characters (no spaces or hyphens). 
    • RTN (Routing Transfer Number) or ABA routing number for payments to United States of America. Format: nine-digits
• Beneficiary Bank:
  • Full bank name and address
  • Clearing Code, e.g:
    • SWIFT/BIC (Bank Identifier Code). Format: 8-11 characters

Payment Tracking allows you to view more information about your GPI compliant payments. ANZ receives this information as a SWIFT GPI member and we relay this information to you through Transactive – Global in near real-time.

SWIFT Global Payments Innovation (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.

Payments available for full tracking must satisfy all the criteria below:

1. Payment initiated and successfully processed by ANZ within the last 30 days.
2. Payment must be cross-banks (i.e not ANZ to ANZ).
3. All banks within the payment route must be a SWIFT GPI member bank.
4. Payment must be cross-border, Real Time Gross Settlement (AU RTGS) or Same-Day Cleared Payment (NZ SCP).

Note that Multibank payments are excluded.

Yes, you can track individual payments within a batch.

Payments sent from one ANZ account to another ANZ account are not sent via the SWIFT network.

Multibank payments are not payments, but rather MT101 messages sent to another bank requesting payments.

Yes, a full list of available SWIFT GPI compliant banks is available on the SWIFT GPI website.

Yes, you can track 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.

Payment Tracking is only available after a payment has been processed by ANZ. If you have recently submitted a payment to ANZ for processing, it might still be waiting for ANZ to process. To check if this is the case:

1. Go to the Current Payments Screen.
2. Select the payment you would like to check.
3. If the payment is in an "In Progress" status then it is still pending payment processing within ANZ.
4. Once the payment is in a "Completed" status, it will be displayed in the Payment Tracking screen.

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.

See Payment Tracking screen

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.

The Total Time is only displayed for payments in either a Completed or Rejected status.

Duration is only available where a GPI compliant intermediary bank is involved in the payment route.

Please follow the current method of contacting your relevant Customer Service Centre for a trace or investigations request.

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.

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 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 refer to your Cash Product Fee Schedule for further information.

You can view Osko payments from the Operating Accounts screen by selecting your account and clicking the Today view. Payments received and viewed on the weekend will display the Post Date and Value Date for the day it was received. On the next business day (Business Date +1) the Post Date will then update to the business date.

Beneficiaries in the Beneficiaries screen are not purged from the system.

You can import SWIFT beneficiaries using Upload Beneficiaries (SWIFT) article.

As a standard process, new beneficiaries within a template will automatically be saved to your Beneficiaries screen, based on your user entitlements. Depending on your organisation's set-up, the beneficiaries may need to be approved before using the template to create a payment.
To add a large number of Australian or New Zealand beneficiaries to your Beneficiaries screen, follow the steps below:

STEPS	DESCRIPTION
1	Upload a domestic payment file containing the beneficiaries. Choose one of the following methods: Method 1: Upload Payment File from the Create Payments menu. Locate the payment from the Current Payments screen. Method 2: Upload Payment File from the File Import Summary menu. Click to open the File Summary from the File Import Summary screen, then click View Current Payments
2	Create a template from the payment. Choose one of the following methods: Method 1: Right-click on the payment and click Create Template From on the Context Menu Method 2: Select the payment and click Actions > Create Template From on the Control Bar Method 3: Click on the payment in the list to display the Domestic Payment details screen and then click Create a template on the Control Bar
4	Enter a Template Name and Template Description, then click OK.
5	Click View this Template.
6	Click Submit on the Control Bar to save the beneficiaries to your Beneficiaries screen. RESULT: If your organisation requires Templates to be approved, a confirmation pop-up window is displayed advising that the template has been submitted for approval. The template will need to be approved or rejected before it can be used to create a payment.  If your organisation does not require Templates to be approved, a confirmation pop-up window is displayed, and the template is ready to be used to create a payment. Note that if you may need to approve new beneficiaries added to the template before a payment can be made.
7	If required, delete the payment created from the upload option, and the template created from the payment.

You can add up to 100,000 beneficiaries in your domestic payment upload file, to be saved to your Beneficiaries screen. However, to avoid any time-out issues, it is recommended to use a smaller file that matches the file format guide instructions and remove any identical beneficiaries.

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

You can check your ABA file via the File Checker which validates your files against the file format guidelines for ANZ Fileactive and ANZ Transactive. All file content is discarded once the checking process is complete and not stored by ANZ. It then validates the ABA file (debits or credits) and provides on-screen information to correct the file if needed.

In ANZ Transactive - Global, a payment upload file can only accept one currency and one payment method type.

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.

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.

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:

1. Select Payments from the Menu
2. Select Templates from the sub-menu
3. Select the required template from template list
4. Click Edit on the Control Bar
5. Amend required details
6. Click Review and Submit
7. Review changes and click Submit

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