Create User – ANZ Digital Services Help

Geography: This article is applicable for ANZ Transactive Global customers banking in Australia and New Zealand.
Full details are available in Features by Geography.

While creating a new user, ANZ recommends regularly reviewing existing user access via the User Management Screen and disabling or deleting any inactive users. This will assist in safeguarding your organisation’s accounts and information by reducing the risk of unauthorised access.

Administrators must complete Know Your Customer (KYC) requirements for each geography you operate in, and log in with a security device to perform administration tasks. For more information on Administration Roles, please refer to User Permissions.

Coming Soon

Upgrading a Company Managed password only user to an ANZ Managed security device user will be available soon for customers in Australia. Initial roll-out commenced in June 2026, with wider availability expected from August 2026. Administrators will be notified when this feature is available for your ANZ Transactive Global site.

About Create User

Creating a new user

Eligible Administrators can create Company Managed password users or ANZ Managed security device users to access and perform tasks within ANZ Transactive Global. The user profile includes:

User details
Roles and permissions
Authorisation group (if approval panels are used)

User creation rules

Email Address - use an individual email address (not a shared mailbox) so users receive reports and notifications directly.
User ID - must be unique, up to 60 alphanumeric characters, no spaces. User ID is not case-sensitive but will display in uppercase.
Phone Number - mobile numbers only. For Australian mobile numbers, do not include the leading zero.

Create Two-Factor Authentication (2FA) security device users

Security device users must complete Know Your Customer (KYC) requirements with ANZ if they are entitled to an ANZ managed system role, or perform any of the following functions:

All payments and direct debit approvers in Hong Kong, India, Indonesia, the Philippines, Singapore, Taiwan and Vietnam.
Final payment and direct debit approvers in Australia and New Zealand.
Get rate for cross-currency transfers and international payments.

Australia and New Zealand:

ANZ Managed system roles: create via Digital Channels Service Requests > Add User.
Commercial Cards roles: refer to the Commercial Cards Roles article.
Customer managed system roles: follow the steps in this article (if this feature has been enabled for your ANZ Transactive – Global site)

Hong Kong, India, Philippines, Singapore & Vietnam: Please complete the ANZ Transactive Global Application - Self Service Form and submit to ANZ or contact your ANZ representative.

Create User screens

User Management screen

Create User - User Management screen.png

User Management - profile screen

Create User - User Details screen.png

Permissions screen

Click the Role Details icon from User Permissions grid.

Division and Payments

Settings - Division and Payments.png

Confidential Data Group and Payment Purpose

Settings - Confidential and payment Purpose.png

Approval Discretions (Payments)

Settings - Approval Discretions.png

Balance & Transaction Reporting

Settings - BTR.png

Receivables

Settings - Receivables.png

Approval Discretions (Receivables)

Settings - Approval Discretions (Rec).png

Select a Role screen

Click Add Permissions to view the Roles available.

Create 2FA user video

Create a new user

There are multiple ways you can create a new user. Choose from the following options:

Go to Administration > Create User, or
Go to Administration > User Management, then click New on the Control Bar.

Follow the steps below to create a Password only (Company Managed) user, or Two-factor Authentication (ANZ Managed) user.

Create password only user

STEP

ACTION

Click Administration > Create User menu, or
Click Administration > User Management menu > New.

Enter user's First Name.

Enter user's Last Name.

If required, enter user's Preferred Name.

Enter user's Email Address to receive scheduled reports and notifications once enabled by the user in User Settings.

If required, edit the User ID that pre-populates once the user's first and last name is entered.

Select user's Address or Add New Address, excluding PO Box addresses.

If required, enter Mobile Phone Number including Country or Region Code.

Add User Permissions

Where multiple roles set conflicting approval discretion values for a payment type, the lowest approval discretion value will apply. For more information, please refer to User Permissions.

Copy Permissions from Another User

STEP	ACTION
1	Click Copy Permissions from Another User.
2	Select a user from the list to copy from.
3	Click Copy From User. RESULT: A confirmation message advises the permissions that has been added to the user. Alternatively, the message can advise if the permission cannot be copied.
4	Click OK.

Add Permissions

STEP	ACTION
1	Click Add Permission.
2	Select a system or custom role to assign to the user, then click Continue.
3	If required, select a Division.
4	If required, select the Payments permissions. Choose from: All - add access to all and any new registered Accounts, or Selected - access to one or more Accounts or Account Groups, or None - remove access to all accounts for the payment type.
5	If required, select the Confidential Data Group permissions. Choose from: All - add access to all and any new Confidential Data Groups, or Selected - access to one or more Confidential Data Groups or None - remove access to all Confidential Data Groups.
6	If required, select the Payment Purpose permission. Choose from: Standard payment types, or Payroll (salary payments)
7	If required, enter Approval Discretions per payment type. Enter options in whole dollars including: Daily amount the user can approve in one day. Batch amount the user can approve per batch. Transaction amount the user can approve per individual transaction.
8	If required, select the Balance & Transaction Reporting permissions. Choose from: Reporting - Accounts All - add access to all and any new registered Accounts, or Selected - access to one or more Accounts or Account Groups, or None - remove access to all accounts for the payment type. Reporting - Term Deposits All - add access to all and any new registered Deposits, or Selected - access to one or more Deposits, or None - remove access to all Deposits.
9	If required, select the Receivables permissions. Choose from: All - add access to all and any new registered Accounts, or Selected - access to one or more Accounts or Account Groups, or None - remove access to all accounts for receivables.
10	If required, enter Approval Discretions per direct debit type. Enter options in whole dollars including: Daily amount the user can approve in one day. Batch amount the user can approve per batch. Transaction amount the user can approve per individual transaction.
11	If required, select the Strategic and Operational Insights permissions. Economic Pulse - View insights related to Australian consumer spending activity. Customer Analysis - View insights related to your customers spending activity, their location and demographics.
12	If required, select the Billing Enquiries permissions.
13	If required, select the Loan Reporting permissions. Choose from: All - add access to all and any new registered loan deals, or Selected - access to one or more loan deals.
14	If required, select the Service Requests permissions. Choose from: All - add access to all and any new registered Accounts for Service Requests, or Selected - access to one or more Accounts for Service Requests, or None - remove access to all accounts for Service Requests.
15	If required, select the FX Services permissions. Choose from: All - add access to all and any new registered FX contracts, or Selected - access to one or more FX contracts.
16	If required, select the Commercial Cards permissions. Choose from: All - add access to all and any new registered Billing Entities, or Selected - access to one or more Billing Entities.
17	Click Add Permission. RESULT: A confirmation message indicates the Role has been added to the User Permissions grid. You can assign additional Roles to the user by repeating the steps above. However, only one commercial Cards Role can be assigned to the user profile.

If required, add panel Authorisation Group for users with approval permissions. Choose from A-J, R(Releaser), V(Verifier) as per Authorisation Panel set-up.

Click Submit.

RESULT: The result will be dependent on your organisation's Administration Model:

ADMINISTRATION MODEL

OUTCOME

One Administrator

A Generate Password pop-up window indicates the temporary password for the new user.
Provide the temporary password to the new user who will be required to change it upon first log on.
The user profile is now in an Active status and an Approved workflow status.

Dual or triple Administrators

The user profile is now in an Active status and a Pending Approval - Register workflow status.
The user profile requires another Administrator(s) to either approve the creation before the user can log in, or reject.

Create Two-Factor Authentication (2FA) user

Refer to User Types, Roles & Identity Verification for more information.

This feature will be rolled out from June 2026. Administrators will be notified when it is available for your ANZ Transactive Global site.

Before you start:

Organisations with a Single Administration model are not eligible to create a 2FA user.
To assign ANZ Managed system roles, use Service Requests or submit a maintenance form.
For more information on eKYC, refer to Verify your identity online in minutes.

STEP

ACTION

Click Administration > Create User menu, or
Click Administration > User Management menu > New.

Enter user's First Name.

For successful eKYC verification, ensure the spelling exactly mirrors your accepted legal identification documents.

Enter user's Last Name.

For successful eKYC verification, ensure the spelling exactly mirrors your accepted legal identification documents.

If required, enter user's Preferred Name.

Enter user's Email Address to receive scheduled reports and notifications once enabled by the user in User Settings.

If required, edit the User ID that prepopulates once the user's first and last name is entered.

Select user's Address or Add New Address, excluding PO Box addresses.

Enter Mobile Phone Number including Country or Region Code.

This is a mandatory field for 2FA users.

Select ANZ Digital Key as the Authentication Method.

Add User Permissions

Where multiple roles set conflicting approval discretion values for a payment type, the lowest approval discretion value will apply. For more information, please refer to User Permissions.

Copy Permissions from Another User

STEP	ACTION
1	Click Copy Permissions from Another User.
2	Select a user from the list to copy from.
3	Click Copy From User. RESULT: A confirmation message advises the permissions that has been added to the user. Alternatively, the message can advise if the permission cannot be copied.
4	Click OK.

Add Permissions

STEP	ACTION
1	Click Add Permission.
2	Select a system or custom role to assign to the user, then click Continue.
3	If required, select a Division.
4	If required, select the Payments permissions. Choose from: All - add access to all and any new registered Accounts, or Selected - access to one or more Accounts or Account Groups, or None - remove access to all accounts for the payment type.
5	If required, select the Confidential Data Group permissions. Choose from: All - add access to all and any new Confidential Data Groups, or Selected - access to one or more Confidential Data Groups or None - remove access to all Confidential Data Groups.
6	If required, select the Payment Purpose permission. Choose from: Standard payment types, or Payroll (salary payments)
7	If required, enter Approval Discretions per payment type. Enter options in whole dollars including: Daily amount the user can approve in one day. Batch amount the user can approve per batch. Transaction amount the user can approve per individual transaction.
8	If required, select the Balance & Transaction Reporting permissions. Choose from: Reporting - Accounts All - add access to all and any new registered Accounts, or Selected - access to one or more Accounts or Account Groups, or None - remove access to all accounts for the payment type. Reporting - Term Deposits All - add access to all and any new registered Deposits, or Selected - access to one or more Deposits, or None - remove access to all Deposits.
9	If required, select the Receivables permissions. Choose from: All - add access to all and any new registered Accounts, or Selected - access to one or more Accounts or Account Groups, or None - remove access to all accounts for receivables.
10	If required, enter Approval Discretions per direct debit type. Enter options in whole dollars including: Daily amount the user can approve in one day. Batch amount the user can approve per batch. Transaction amount the user can approve per individual transaction.
11	If required, select the Strategic and Operational Insights permissions. Economic Pulse - View insights related to Australian consumer spending activity. Customer Analysis - View insights related to your customers spending activity, their location and demographics.
12	If required, select the Billing Enquiries permissions.
13	If required, select the Loan Reporting permissions. Choose from: All - add access to all and any new registered loan deals, or Selected - access to one or more loan deals.
14	If required, select the Service Requests permissions. Choose from: All - add access to all and any new registered Accounts for Service Requests, or Selected - access to one or more Accounts for Service Requests, or None - remove access to all accounts for Service Requests.
15	If required, select the FX Services permissions. Choose from: All - add access to all and any new registered FX contracts, or Selected - access to one or more FX contracts.
16	If required, select the Commercial Cards permissions. Choose from: All - add access to all and any new registered Billing Entities, or Selected - access to one or more Billing Entities.
17	Click Add Permission. RESULT: A confirmation message indicates the Role has been added to the User Permissions grid. You can assign additional Roles to the user by repeating the steps above. However, only one commercial Cards Role can be assigned to the user profile.

If you selected a permission in the previous step that requires identity verification, the Feature Access section will be displayed.

Select Yes if the user requires access to:

final approval of Australia or New Zealand payments, or
applying a dynamic FX rate to cross-currency payments

Select the country or region the user requires KYC to be completed.

If you selected No in the previous step, this option will not be displayed.

If required, add Panel Authorisation Group for users with approval permissions. Choose from A-J, as per Authorisation Panel set-up.

Click Submit.
The user profile requires another Administrator(s) to either approve the creation before the user can log in, or reject.

Verify new user's details in the Review Details pop-up window. If everything is correct, tick the consent checkbox and click Confirm.

A confirmation pop-up window will appear advising "User Successfully Created". Click OK.

RESULT: The user profile is now in an Active status and a Pending Approval - New workflow.

A pop-up window will appear for the final approver explaining that, once approved, the new user will receive an email from ANZ to complete their user setup. The Administrators who created and approved the user will also be copied into this email. Click Yes.

If the first Administrator selected No in step 11, KYC will not be mandatory for the user and eKYC will not be triggered.

After the final approver approves the new user request, a confirmation pop-up window will appear to confirm that the new profile has been approved. Click OK.

RESULT: The user profile is now in an Active status and an Approved workflow status. The user must activate their User ID and ANZ Digital Key before they can log in. If the Administrator selected Yes in step 11, they will also need to complete eKYC to access all features.

Errors and Alerts

Error and alert messages such as 'fields validations' display information about the impacted field(s) and highlights the field(s) in red. You can update the information within the impacted field(s) and continue processing.

Mandatory field validations:

Error - Mandatory Fields.png

Know Your Customer validation for Administrators:

Administrators will receive the below error message when they attempt to complete a function in the Administration menu without being fully identity verified. They will need to provide additional Know Your Customer (KYC) documents to meet regional regulations for all geographies they operate in. They will need to contact ANZ to complete the KYC process. Error - Incomplete KYC.png

Video Transcript

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