Full details are available in Features by Geography.
- Your user profile has not been provisioned with access; or
- Your organisation has not been provisioned with access.
- 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.
- The Payments menu is used to create and manage payments in Australia, China, Hong Kong, India, New Zealand, the Philippines, Singapore, and Vietnam.
- The Asia & Pacific Payments menu is used to create and manage:
- Cash Management payments in Indonesia, Laos, the Pacific Islands, and Taiwan.
- Cross Border Fund Transfer (Import Payments) in India for Trade Finance.
- 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.
For more information, please refer to User Permissions > Cash Management Roles & Permission Settings.
- Select the payment in the Current Payments or Past Payments screen, scroll down to the Beneficiary Details section and double click on the beneficiary in the list.
- Users with Payment Reports menu: Create and schedule a Payment Detail Report
- Users with Report Centre menu: Create and schedule a Payment Detail Report
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®. |
- 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
- 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
If you are selecting an account domiciled in Hong Kong, India, the Philippines, Singapore, or Vietnam, you must be logged in with two-factor authentication (2FA) for the accounts to be visible. For more information, please also refer ANZ Managed vs Company Managed Users or New User FAQs.
- 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
Error message will display as 'Payment rejected due to registration changes’.
You can import SWIFT beneficiaries using Upload Beneficiaries (SWIFT) article.
As a standard process and based on your user entitlements, new beneficiaries within a template will automatically be saved to your Beneficiaries screen. Depending on your organisation's set-up, the beneficiaries may need to be approved before using the template to create a payment.
STEPS | DESCRIPTION |
1 | Upload a domestic payment file containing the beneficiaries.
Choose one of the following methods:
|
2 | Create a template from the payment.
Choose one of the following methods:
|
3 | Enter a Template Name and Template Description, then click OK. |
4 | Click View this Template. |
5 | Click Submit on the Control Bar to save the beneficiaries to your Beneficiaries screen.
RESULT:
|
6 | If required, delete the payment created from the upload option, and the template created from the payment. |
"The following beneficiaries could not be automatically added to your Beneficiaries screen as they may already exist. Try adding the beneficiary into your Beneficiaries screen manually via the Beneficiaries menu feature."
- Beneficiary name in the file will automatically be populated in the My Beneficiary ID field. If there are multiple beneficiary line items with the same name (different account, address, etc.), this can cause an apparent duplication of the My Beneficiary ID. My Beneficiary ID must be unique.
- Beneficiary name and ID might already exist in your Beneficiaries screen.
ACTIONS:
- Remove the duplicated names from the template and create beneficiary manually to your Beneficiaries screen, using a unique Beneficiary ID or
- Edit the existing My Beneficiary ID of the duplicated Beneficiary Name from the Beneficiaries screen and resubmit the template.
REASONS:
- The application is performing multiple validations when attempting to submit the template and save all the beneficiaries to the Beneficiaries screen
- The application cannot list all errors in the message, therefore timing out the validation process.
ACTIONS:
- Remove all identical beneficiaries from the import file, and load manually into the Beneficiaries screen, using a unique Beneficiary ID
- Validate if any beneficiaries in the file are already existing in the Beneficiaries screen
- Ensure the file is correctly formatted against the File Format Guides
- Reduce the size of the file
Confirmation of Payee is available for Osko and Direct Entry payments in Australia. It checks the account name, BSB and account number you have entered against the details held by the recipient’s bank and lets you know whether it is a match.
This can help you make a decision about what to do next, e.g. continue with the payment, check the details again or choose not to proceed with the payment altogether.
- When you make an Osko or Direct Entry payment to a BSB and account number for the first time; or
- Create a new Beneficiary; or
- Amend an existing Beneficiary account details saved in your Beneficiary list.
Confirmation of Payee will check the account details you entered against the details held by the recipient’s bank and let you know whether it’s a ‘match’, ‘close match’ or if the details do not match at all. This information can help to inform you what to do next and gives you more confidence that your payment is going to the correct account.
We encourage you to be scam aware and always take steps to make sure you know who you are paying, as scams or mistaken payments may not be recoverable.
Invalid characters include: ["$%*;<>\^{}=@`] </>
It is recommended you continue to confirm directly with the beneficiary the new or changed bank account details.
Confirmation of Payee can be completed via the Create and Manage Beneficiaries screens in ANZ Transactive - Global before updating your accounting system.
Available to customers banking in Australia, New Zealand, Singapore and Hong Kong.
A Dynamic rate allows you to obtain real-time foreign exchange rates for cross-currency payments. Once the payment has been approved by all required approvers, the user can use the Get Rate feature to obtain the dynamic rate.
In Singapore and Hong Kong, you can obtain a dynamic rate for less than or equal to USD$500,000. Values above USD$500,000 will require a Contract rate to be booked.
A Contract rate is organised and arranged with your in-country markets dealer. You will be assigned a Contract ID for the booked exchange rate. Upon creating a payment in ANZ Transactive – Global, you can then choose the FX contract to apply to your payment, for the same value date.
Payments to IDR (Indonesian Rupiah) need to use an FX contract to fund the payment.
Bank BookAvailable to customers banking in India, the Philippines, and Vietnam.
A Bank Book rate is booked by ANZ on your behalf once validation of the payment and if any supporting documentation provided is successful. Bank Book can be used when:
- you do not have an existing FX contract to readily use or,
- the value of the payment is less than or equal to the equivalent of USD$500,000.
For current day payments, once the payment is approved and sent to the bank, the payment will appear in your Current Payments grid in a Processing status. After the bank has booked the contract rate and all other validations are finalised, the payment will move to the Past Payments screen in a Completed status.
For future dated payments, the payment will appear in your Current Payments grid until the value of the payment. The status will update to Processing, pending the bank to book a contract rate. After the bank has booked the contract rate and all other validations are finalised, the payment will move to the Past Payments screen in a Completed status.
The contract rate details will appear on the debit and credit advices.
Currencies requiring a foreign exchange (FX) contract are listed in the Cross-Currency Payments section of the Processing & cut-off times article.
GEOGRAPHY | SWIFT CODE |
Australia | ANZBAU3MXXX |
China | ANZBCNSH – multiple cities |
Hong Kong | ANZBHKHXXXX |
New Zealand | ANZBNZ22XXX |
Singapore | ANZBSGSXXXX |
-
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
For more information, please refer to Create Osko Payment (Australia).
- 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
- Payment initiated and successfully processed by ANZ within the last 30 days.
- Payment must be cross-banks (i.e not ANZ to ANZ).
- All banks within the payment route must be a SWIFT GPI member bank.
- Payment must be cross-border, Real Time Gross Settlement (AU RTGS) or Same-Day Cleared Payment (NZ SCP).
- 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 Payment Tracking screen.
- The payment is still processing by the intermediary or beneficiary bank, or
- The payment was sent to a non-GPI compliant bank, and ANZ will not receive 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.