Create International Payment (Hong Kong & Singapore) – ANZ Digital Services Help

Geography: This article is applicable for ANZ Transactive - Global customers banking in Hong Kong & Singapore.
Full details are available in Features by Geography.

International Salary Payments will be available from May 2025.
Confidential Data Groups will be available from 2025.

About International Payments

What is an International Payment?

International payments, also known as cross-border payments or telegraphic transfers, is a payment from a single funding account to one or more nominated beneficiary accounts worldwide using an ANZ-supported and tradeable currency. International payments often involve two currencies where a foreign currency exchange rate is required.

Payment Method Rules for International payments

Value date will default with the current or next business date if the payment is created on a non-business date or after payment cut-off
Non-business day - ANZ Transactive – Global will not allow you to create a payment where the Value Date is a non-business day (e.g., weekend, public holiday, bank holiday) or a currency holiday
Future value date can be selected up to 90 days
Cut-off time vary and are dependent on the currencies used.
Payment currency includes all ANZ-supported and tradeable currencies
Maximum payment value is (HK) 99,999,999,999.99 and (SG) 999,999,999,999.99
Maximum number of payment instructions is 5,000 for an itemised payment
Individual Debit indicator will automatically be enabled by default.
Where (credit) payment currency is IDR, INR, MYR or ZAR, then Beneficiary Bank Country or Region must be ID (Indonesia), IN (India), MY (Malaysia) or ZA (South Africa) respectively.

Who can create an International Payment?

Eligible users with Payment Management role permissions and account access can create and manage an International Payment based on your organisation's predetermined user permissions and payment settings. These role permissions can include:

Manage Payments - Adhoc (Adhoc & Approved Beneficiaries)
Manage Payments - Approved Beneficiary / Templates
Manage Payments - Import Payments
Manage Payments - FX Allowed

If Confidential Data Group is selected in the payment, users with entitlements to the Confidential Data Group can view and action the payment.

Who can create and action an International Salary payment?

The International Salary payment option is only available to view and action if you have the following entitlements:
- Payroll - view full payment instructions
- Mask Confidential - view limited payment instructions when approving the payment.
Fields within a salary payment will be masked, including beneficiary name, beneficiary bank, account number, reference and payment method. These fields will be represented by 'XXXX' and only visible to users with applicable entitlements.

For more information, please refer to Role Permissions and User Permissions.

Payment input screens

International Payment screen

The following image is an example of an international payment screen with fields including the division, debit account, value date and cut-off time, payment name and reference, and beneficiary details.

Cut-off time (near the value date) indicates the payment method cut-off time, based on the originating jurisdiction and payment currencies
The time zone and format (near the value date) are displayed as per your Settings & Preferences
The ANZ Transactive - Global mobile app will display the cut-off time in the payment time zone.

International Payments screen HK & SG.png

Beneficiary Payment Details screen

The following image is an example of a Beneficiary Payment Details screen with fields including the beneficiary's name, address and account details, beneficiary bank details, beneficiary email advice option, additional remittance and sender to receiver information.

Beneficiary Details screen

The following image is an example of the Beneficiary Details screen with fields including the beneficiary bank details, beneficiary's name, address and account details, beneficiary bank details, and beneficiary email address.
Add new Beneficiary Details screen (HK & SG).png

Create an International Payment

There are multiple ways you can create an international payment from the Payments menu. Choose from the following options:

Click Create Payment > International Payment or International Salary Payment (see step-by-step instructions below)
Click Create Payment > Use Payment Template
Click Create Payment > Upload Payment File
Click Create Payment > Use Past Payment
Click Current Payments > New > International Payment or International Salary Payment (see step-by-step instructions below)

STEP

ACTION

Click Payments > Create Payment menu or
Click Payments > Current Payments menu > New

Click International Payment or International Salary Payment.

If required, select the Division the payment will be made from.
If you are entitled to more than one division, you can set a default division for future payments.

Select the Debit Account.

Value Date will default with the current or next business date.
If required, choose a future value date up to 90 days.

Enter a Payment Name up to 35 characters that will appear on payment reports.

Enter a Payment Reference up to 35 characters that will appear within the narrative on the funding account, beneficiary's statement and payment reports.

If required, enter Debit Advice Description up to:

140 characters where debit account is domiciled is CN or
55 characters where debit account is not domiciled in AU, CN or NZ.

Select the Payment Currency.
Refer to Processing & cut-off times for list of available payment currencies.

If required, select a Confidential Data Group.

If required, tick Enter Amounts in Debit Currency if payment amount is in a different currency.

If required, tick the Individual Debits indicator to generate a separate debit entry on your account for each individual beneficiary payment instruction, where debit account is domiciled in China.

This option is not available for International Salary Payments.
For all other domiciled accounts, this option will be selected by default.

To reduce the risk of fraud, ANZ recommends you always confirm beneficiary details when processing a payment.

Click Add to add one or more beneficiary details using the following options:

Add Beneficiary from your Beneficiaries list

Search and select the Beneficiary from the Beneficiary Name field, then proceed to next steps. If required, click Add again to add additional beneficiaries.

Add New Beneficiary

Users must have entitlements to create new beneficiaries to complete these steps.

STEP

ACTION

If required, tick Add this beneficiary to your Beneficiaries when the payment is submitted.

Select Beneficiary Bank Country or Region

The following fields will be based on the debit account and Beneficiary Bank Country or Region selected.

Select Clearing Code Type: Options based on Beneficiary Bank Country or Region include:

Clearing Codes

CODE	DESCRIPTION
SWIFT
AT	Austrian Bankleitzahl
AU	Australian Bank State Branch (BSB) Code
BL	German Bankleitzahl
CC	Canadian Payments Association Payment Routing Number
CH	CHIPS Universal Identifier (US)
CN	China National Advanced Payment System (CNAPS) Code
CP	CHIPS Participant Identifier
ES	Spanish Domestic Interbank Code
FW	Fedwire Routing Numbers (US)
GR	HEBIC (Hellenic Bank Identification Code)
HK	Bank Code of Hong Kong
IE	Irish National Clearing Code (NSC)
IN	Indian Financial System Code
IT	Italian Domestic Identification Code
NZ	New Zealand National Clearing Code
PL	Polish National Clearing Code (KNR)
PT	Portuguese National Clearing Code
RT	Pay by Real Time Gross Settlement
SC	UK Domestic Sort Code (GB)
SW	Swiss Clearing Code (BC code)
ZA	South African National Clearing Code

Click Search, to search and select the Beneficiary Bank SWIFT or Clearing Code.

Enter Account Number/IBAN.

Select Account Type: (Beneficiaries in China).

Resident Individual
Non-Resident Individual
Resident Corporate
Non-Resident Corporate

Enter Beneficiary Name up to 35 characters.

Enter Full Legal Name (first name, any middle names, last name) or Registered Legal Entity Name of Beneficiary.

If required, enter Beneficiary Email Address up to 255 characters, separated by a comma, if sending a Beneficiary Advice. Multiple Email Addresses must be separated by a comma (,).

Please refer to General Payment FAQs for a sample Beneficiary Advice.

If adding Beneficiary to your Beneficiaries list, enter a unique My Beneficiary ID up to 35 characters.

Select Beneficiary Country or Region.

Enter Beneficiary Address up to 35 characters per line and City.

Click Save.

If required, click Add again to add additional beneficiaries.
Proceed to next steps.

If required, enter Client Reference up to 35 characters if different from the Payment Reference prepopulated.

Enter the Beneficiary payment Amount.

If required, click Beneficiary Payment Details icon to view or update additional beneficiary information:

Add or update Beneficiary Payment Details

STEP

ACTION

Add or edit Beneficiary

Add or edit Payment Amount

Add or edit Debit Currency & Amount

Select Payment Purpose

Payment Purpose Codes

BENEFICIARY BANK COUNTRY CODE	CODE	DESCRIPTION
AE	EDU	Educational Support
AE	FIS	Financial services
AE	GDS	Goods Bought or Sold
AE	GRI	Government related income taxes tariffs
AE	IGT	INTER GROUP TRANSFER
AE	LIP	Loan Interest Payments
AE	OTS	Other modes of transport
AE	SAL	Salary
AE	TTS	Technical trade-related and other busine
CN	CCDNDR	Charity Donation (CNH Payments)
CN	CCTFDR	Capital Transfer (CNH Payments)
CN	CGODDR	Goods Trade (CNH Payments)
CN	COCADR	Other (CNH Payments)
CN	CSTRDR	Service Trade (CNH Payments)
CN	CTF	Cross-Border Capital Transfer (CNY Payme
CN	FTF	Bank to Bank Fund Transfer (CNY Payments
CN	GOD	Cross-Border Goods Trade (CNY Payments)
CN	OTF	Fund Return for Cross-Border Goods Trade
CN	RMT	Cross-Border Individual Remittance (CNY
CN	STR	Cross-Border Service Trade (CNY Payments
ID	1000	All receipts/payments affecting OCAs and
ID	1011	Exports, f.o.b. Shipment of merchandise
ID	1013	Refunds - export/import Refunds on retur
ID	1014	Prepayments - export/import Prepayments
ID	1015	Transactions in merchandise in bunkers a
ID	1016	Services pertaining to processing of mer
ID	1017	Passenger transportation
ID	1021	Repair/maintenance services for movable
ID	1022	Freight to/from other countries Transpor
ID	1024	Freight other than for export/import Fre
ID	1025	Transportation support services Transpor
ID	1030	All expenditures incurred for business a
ID	1040	All transactions for training/education
ID	1050	Postal and courier services (such as PO
ID	1060	Construction and installation of buildin
ID	1071	Services for all insurance activities (i
ID	1072	Services for all insurance activities (i
ID	1080	Payment of fees, commissions for brokera
ID	1090	Services transactions pertaining to comp
ID	1099	Merchandise transactions other than expo
ID	1100	Fees for use of trademarks, franchises,
ID	1111	Operational leasing Lease without option
ID	1112	Leasing of land and buildings Lease of l
ID	1120	Mining, agricultural, forestry, and simi
ID	1129	All receipts/payments affecting overseas
ID	1130	Services related to audiovisual producti
ID	1139	All receipts/payments arising from refun
ID	1140	Receipts from/payments to foreign govern
ID	1161	Payments/receipts in respect of taxes or
ID	1162	Grants/donations (including but not limi
ID	1163	Salaries, wages, and allowances paid to/
ID	1170	Dividend and distributed profits
ID	1181	Interest on: 1) securities issued by non
ID	1182	Interest on: 2) current accounts and dep
ID	1183	Interest on: 3) borrowings/loans (includ
ID	1189	Other investment income
ID	1191	Sale/purchase of transferable patents, c
ID	1192	Sale/purchase of land, buildings, unproc
ID	1199	All service transactions other than ment
ID	1201	Equity participation Receipts from equit
ID	1202	Divestiture of equity participation Rece
ID	1203	Reinvested earnings
ID	1206	Securities issued by non-residents: 1) S
ID	1207	Securities issued by non-residents: 2) O
ID	1208	Securities issued by non-residents: 2) O
ID	1209	Securities issued by residents: 1) Share
ID	1210	Securities issued by residents: 2) Other
ID	1211	Securities issued by residents: 2) Other
ID	1212	Securities issued by residents: 2) Other
ID	1213	Securities issued by residents: 2) Other
ID	1214	Securities issued by residents: 3) Other
ID	1215	Securities issued by residents: 3) Other
ID	1216	Securities issued by residents: 3) Other
ID	1217	Securities issued by residents: 3) Other
ID	1221	a. Provision/drawing of loans with matur
ID	1222	a. Provision/drawing of loans with matur
ID	1231	b. Repayment of loans with maturity of:
ID	1232	b. Repayment of loans with maturity of:
ID	1233	c. Financial leasing Leasing based on le
ID	1255	a. Receipts in favor of OCI of reporting
ID	1256	a. Receipts in favor of OCI of reporting
ID	1259	b. Cash withdrawal/deposit against/in fa
ID	1261	a. Spot transactions (including direct e
ID	1262	a. Spot transactions (including direct e
ID	1263	b. Forward transactions: 1) foreign curr
ID	1264	b. Forward transactions: 2) foreign curr
ID	1265	Derivative transactions Receipts/payment
ID	1266	Derivative transactions Receipts/payment
ID	1299	All capital/financial transactions other
IN	P0001	Repatriation of Indian investment abroad
IN	P0002	Repatriation of Indian investment abroad
IN	P0003	Repatriation of Indian investment abroad
IN	P0004	Repatriation of Indian investment abroad
IN	P0005	Repatriation of Indian investment abroad
IN	P0006	Foreign direct investment in India in eq
IN	P0007	Foreign direct investment in India in de
IN	P0008	Foreign direct investment in India in re
IN	P0009	Foreign portfolio investment in India in
IN	P0010	Foreign portfolio investment in India in
IN	P0011	Repayment of loans extended to Non-Resid
IN	P0012	Long and medium term loans with original
IN	P0013	Short term loans with original maturity
IN	P0014	Receipts o/a Non-Resident deposits (FCNR
IN	P0015	Loans and overdrafts taken by ADs on the
IN	P0016	Purchase of a foreign currency against a
IN	P0017	Sale of intangible assets like patents,
IN	P0018	Other capital receipts not included else
IN	P0101	Value of export bills negotiated / purch
IN	P0102	Realisation of export bills ((in respect
IN	P0103	Advance receipts against export contract
IN	P0104	Receipts against export of goods not cov
IN	P0105	Export bills (in respect of goods) sent
IN	P0106	Conversion of overdue export bills from
IN	P0107	Realisation of NPD export bills (full va
IN	P0201	Receipts of surplus freight/passenger fa
IN	P0202	Purchases on account of operating expens
IN	P0205	Purchases on account of operational leas
IN	P0207	Receipts of surplus freight/passenger fa
IN	P0208	Receipt on account of operating expenses
IN	P0211	Purchases on account of operational leas
IN	P0213	Receipts on account of other transportat
IN	P0301	Purchases towards travel (Includes purch
IN	P0308	FC surrendered by returning Indian touri
IN	P0401	Postal services
IN	P0402	Courier services
IN	P0403	Telecommunication services
IN	P0404	Satellite services
IN	P0501	Receipts for cost of construction of ser
IN	P0601	Receipts of life insurance premium
IN	P0602	Receipts of freight insurance – relating
IN	P0603	Receipts on account of other general ins
IN	P0604	Receipts of Reinsurance premium
IN	P0605	Receipts on account of Auxiliary service
IN	P0606	Receipts on account of settlement of cla
IN	P0701	Financial intermediation except investme
IN	P0702	Investment banking - brokerage, under wr
IN	P0703	Auxiliary services - charges on operatio
IN	P0801	Hardware consultancy/implementation
IN	P0802	Software consultancy/implementation (oth
IN	P0803	Data base, data processing charges
IN	P0804	Repair and maintenance of computer and s
IN	P0805	News agency services
IN	P0806	Other information services- Subscription
IN	P0807	Off site Software Exports
IN	P0901	Franchises services - patents,copy right
IN	P0902	Receipts for use, through licensing arra
IN	P1001	Merchanting Services - net receipt (from
IN	P1002	Trade related services - Commission on e
IN	P1003	Operational leasing services (other than
IN	P1004	Legal services
IN	P1005	Accounting, auditing, book keeping and t
IN	P1006	Business and management consultancy and
IN	P1007	Advertising, trade fair, market research
IN	P1008	Research & Development services
IN	P1009	Architectural, engineering and other tec
IN	P1010	Agricultural, mining and on -site proces
IN	P1011	Inward remittance for maintenance of off
IN	P1012	Distribution Services
IN	P1013	Environmental Services
IN	P1019	Other services not included elsewhere
IN	P1101	Audio-visual and related services – serv
IN	P1102	Personal, cultural services such as thos
IN	P1201	Maintenance of foreign embassies in Indi
IN	P1203	Maintenance of international institution
IN	P1301	Inward remittance from Indian non-reside
IN	P1302	Personal gifts and donations
IN	P1303	Donations to religious and charitable in
IN	P1304	Grants and donations to governments and
IN	P1306	Receipts / Refund of taxes
IN	P1401	Compensation of employees
IN	P1403	Inward remittance towards interest on lo
IN	P1404	Inward remittance of interest on debt se
IN	P1405	Inward remittance towards interest recei
IN	P1406	Repatriation of profits to India
IN	P1407	Receipt of dividends by Indians
IN	P1501	Refunds / rebates on account of imports
IN	P1502	Reversal of wrong entries, refunds of am
IN	P1503	Remittances (receipts) by residents unde
MY	0000	FOOD AND LIVE ANIMALS
MY	1000	Beverages and tobacco
MY	2000	Crude materials, inedible, except fuels
MY	3000	Mineral fuels, lubricants and related ma
MY	4000	Animal and vegetable oils, fats and waxe
MY	5000	Chemicals and related products, not clas
MY	6000	Manufactured goods
MY	7000	Machinery, non-customised packaged softw
MY	7100	Power lines, pipelines and undersea comm
MY	8000	Miscellaneous manufactured articles
MY	9000	Commodities and miscellaneous transactio
MY	9001	Goods (Broad Classification)
MY	9100	Refunds relating to goods transactions
MY	9700	Non-monetary gold
MY	10010	Goods for processing (manufacturing serv
MY	11110	Freight by air
MY	11120	Freight by sea
MY	11130	Freight by other modes of transportation
MY	11210	Passenger fare by air
MY	11220	Passenger fare by sea
MY	11230	Passenger fare by other modes of transpo
MY	12110	Airport services
MY	12120	Port services
MY	12130	Other terminal facilities
MY	12140	Postal and courier services
MY	12210	Charter of aircraft (with crew)
MY	12220	Charter of ships and vessels (with crew)
MY	12230	Charter of other modes of transport (wit
MY	12310	Rentals/operating leasing of aircraft (w
MY	12320	Rentals/operating leasing of ships and v
MY	12330	Rentals/operating leasing of other trans
MY	12400	Fees for salvage operations
MY	12500	Repair and maintenance of aircraft, ship
MY	13110	Goods and services purchased by travelle
MY	13210	Goods and services purchased through bus
MY	13220	Goods and services purchased by short te
MY	13300	Travel for pilgrimage and religious obse
MY	13400	Travel for medical treatment
MY	13500	Education-related
MY	14110	Direct investment income
MY	14120	Portfolio investment income
MY	14130	Retained earnings
MY	14140	Investment income attributable to Non-re
MY	14210	Interest paid to/ received from related
MY	14220	Interest paid to/ received from non-rela
MY	14230	Interest paid to/received from Non-resid
MY	14240	Interest paid to/received from Non-resid
MY	14250	Interest paid to/received from Non-resid
MY	14310	Wages and salaries in cash
MY	14320	Wages and salaries in kind/benefits attr
MY	14330	Employer's social contributions
MY	14410	Taxes on products and productions
MY	14420	Subsidies on products and productions
MY	14430	Rental on natural resources
MY	15100	Malaysian government offices abroad and
MY	15200	International organisations
MY	15300	Trade missions
MY	15400	Commission and other charges relating to
MY	15500	The Bank minting of coins and printing o
MY	16100	Telecommunication services
MY	16210	Construction and installation services i
MY	16220	Construction and installation services a
MY	16311	Premium paid/received on high risk insur
MY	16312	Premiums paid/received on other general
MY	16313	Premium paid/received on life insurance/
MY	16314	Premiums paid/received on reinsurance/re
MY	16315	Premium paid/received on insurance/takaf
MY	16321	Claims settlements on high risk insuranc
MY	16322	Claims settlements on other general insu
MY	16323	Claims settlements on life insurance/tak
MY	16324	Claims paid/received on reinsurance/reta
MY	16325	Claims paid/received on insurance/takafu
MY	16332	Auxiliary Insurance Services
MY	16410	Explicitly-charged financial services
MY	16420	Explicit margins on buying and selling o
MY	16430	Explicitly-charged asset management serv
MY	16440	Financial intermediation service charges
MY	16510	Computer services
MY	16520	Information services
MY	16610	Charges associated with intellectual pro
MY	16620	License fees to reproduce and distribute
MY	16710	Merchanting trade
MY	16720	Sharing of administrative expenses
MY	16730	Research and development
MY	16740	Architectural, engineering, and other te
MY	16750	Agricultural, mining, and on-site proces
MY	16760	Advertising, market research and public
MY	16771	Legal services
MY	16772	Accounting services
MY	16773	Management consulting services
MY	16780	Rentals/operating leasing of dwellings,
MY	16791	Trade-related services
MY	16792	Waste treatment services
MY	16810	Audio-visual and artistic related servic
MY	16820	Health services
MY	16830	Education services
MY	16840	Heritage and recreational services
MY	16850	Other personal services
MY	16900	Other services transactions not identifi
MY	16910	Refunds relating to services transaction
MY	17010	Inter-company settlement for offsetting
MY	17020	Transfer by a company to/from its own cu
MY	17030	Bilateral trade transactions.
MY	17040	Transfer of funds between overseas accou
MY	17050	Transfer of funds between banking instit
MY	17060	Transfer of funds between overseas accou
MY	17070	Transfer by a resident (exclude bank) to
MY	17080	Settlement between Remittance Services P
MY	21110	Government Sector: Grants, aid, donation
MY	21120	Government Sector: Pension, gratuity
MY	21131	Taxes on income, wealth and other taxabl
MY	21132	Fines and penalties (government sector)
MY	21133	Social contributions and benefits (gover
MY	21140	Compensation and pledging
MY	21201	Personal transfer
MY	21210	Grants and gifts
MY	21220	Workers' remittances
MY	21230	Legacies, compensations and prizes
MY	21241	Taxes on income, wealth and other taxabl
MY	21242	Fines and penalties (private sector)
MY	21245	Net premiums on non-life insurance and s
MY	21246	Non-life insurance claims and calls unde
MY	22110	Debt forgiveness (government sector)
MY	22130	Other capital transfers (government sect
MY	22210	Debt forgiveness (private sector)
MY	22220	Migrant transfer
MY	22230	Other capital transfers (private sector)
MY	23000	Acquisition/ disposal of non-produced, n
MY	31111	Extension/receipt (drawdown) of long-ter
MY	31112	Repayment of principal to/by Non-residen
MY	31113	Prepayment of principal to/by Non-reside
MY	31121	Extension/receipt (drawdown) of short-te
MY	31122	Repayment of principal to/by Non-residen
MY	31123	Prepayment of principal to/by Non-reside
MY	31311	Issuance
MY	31312	Redemption
MY	31411	Financial lease extension to/receipt fro
MY	31412	Repayment of financial lease to/receipt
MY	31413	Prepayment of financial lease to/receipt
MY	31511	Credit facilities extension to/receipt f
MY	31512	Repayment of credit facilities to/by Non
MY	31513	Prepayment of credit facilities to/by No
MY	31911	Extension to /receipt from Non-resident.
MY	31912	Repayment of other loans facilities to/b
MY	31913	Prepayment of other loans facilities to/
MY	31921	Extension to /receipt from Non-resident.
MY	31922	Repayment of other loans facilities to/b
MY	31923	Prepayment of other loans facilities to/
MY	33000	Employee stock options
MY	34000	Subscriptions/ Contributions to/ Reimbur
MY	35130	Mergers and acquisitions
MY	35140	Equity investment other than mergers and
MY	35200	Liquidation of investment
MY	35300	Head office accounts in branches
MY	35400	Capital Expenditure in Special Enterpris
MY	36110	Issued by residents in domestic capital
MY	36120	Issued by residents in international mar
MY	36130	Issued by Non-residents in international
MY	36140	Issued by Non-residents in domestic capi
MY	36210	Issued by residents in domestic capital
MY	36220	Issued by residents in international mar
MY	36230	Issued by Non-residents in international
MY	36240	Issued by Non-residents in domestic capi
MY	36310	Issued by residents in domestic capital
MY	36320	Issued by residents in international mar
MY	36330	Issued by Non-residents in international
MY	36340	Issued by Non-residents in domestic capi
MY	36410	Purchase/sale of Malaysian Government se
MY	36420	Purchase/sale of Foreign Government secu
MY	36430	Purchase/sale of Foreign Government secu
MY	37100	Swaps
MY	37200	Forwards
MY	37300	Futures
MY	37400	Options
MY	37900	Others derivatives
MY	39111	Purchase/sale of real estate in Malaysia
MY	39112	Purchase/sale of real estate in Malaysia
MY	39121	Purchase/sale of real estate abroad (com
MY	39122	Purchase/sale of real estate abroad (res
MY	39131	Purchase/sale of real estates in host co
MY	39132	Purchase/sale of real estates in host co
MY	39210	Placement/withdrawal of deposits of resi
MY	39220	Placement/withdrawal of deposits of resi
MY	39230	Placement/withdrawal of deposits by Non-
MY	39240	Deposits balances of foreign offices of
MY	39250	Placement/withdrawals of deposits in FC
MY	39260	Nostro balances with the correspondent b
MY	39300	Currency
MY	39600	Guarantees
MY	39700	Credit Commitments
MY	39900	Other investment nie

If required, add or enter Client Reference up to 35 characters and will appear as part of the narrative on the debit account and beneficiary's statements and on payment reports.

The option to charge your beneficiary is not available in ANZ Transactive – Global. If you have elected to charge your beneficiary in a file import, the system will default the charges to SHA.

Select Charges

SHA - you pay outgoing transfer charges and the beneficiary pays the correspondent bank charges. The beneficiary will receive the payment minus the correspondent bank charges.
OUR - you pay all transfer charges, and the beneficiary receives the full amount of the payment

If required, enter Intermediary Bank details:

Select Clearing Code Type
Search and select Clearing Code

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.

If required, enter Remittance Information up to 140 characters that will appear on the Beneficiary Advice, the Payment Detail Report and Field 70 of the SWIFT MT103 message

If required, enter Additional Details up to 80 characters x 100 lines of information that will appear on the Beneficiary Advice and the Payment Detail Report.
Any text that exceeds these limits, will be truncated.

If required, enter Debit Advice Description up to

140 characters where debit account is domiciled is CN or
55 characters where debit account is not domiciled in AU, CN or NZ.

If required, tick Email Beneficiary Advice and enter email address(es) up to 255 characters, separated by a comma

Pre-populated email addresses are derived from the beneficiary details in the Beneficiaries list
A sample Beneficiary Advice can be found here

If required, select code and enter Sender to Receiver Information up to 28 characters that will appear in field 72 of the SWIFT message:

Sender to Receiver Details

TYPE CODE	DESCRIPTION
ACC	Instructions for Acct with Institution /ACC/
EDU	UAE Educational Support /EDU/
FAM	UAE Family Support Workers Remittances /FAM/
FIS	UAE Financial Services /FIS/
FND	Full No Deduct /FND/
GDS	UAE Goods Bought or Sold /GDS/
GRI	UAE Government Related /GRI/
IGT	UAE Inter Group Transfer /IGT/
INS	Instructing Inst of Sender to Execute /INS/
INT	Instructions for Intermediary Institution /INT/
LIP	UAE Loan Interest Payments /LIP/
OTS	UAE Other Modes of Transport /OTS/
PRIORITY	Priority Payment/PRIORITY/
REC	Instructions for Receiver of Message /REC/
SAL	UAE Salary /SAL/
TTS	UAE Technical Trade and Other Business Services /TTS/
TRADE	Instructing Inst of Sender to Execute /TRADE/

If required, click Attach Documents to upload doc, docx, jpg, jpeg or pdf supporting documents for this payment instruction, with up to five files not exceeding a total size of 5MB.

Click Save

If required, choose your FX Details* option:

Dynamic

Obtain real-time foreign exchange rates for cross-currency payments. Once the payment is approved, it moves to a Needs Rate status. A user with appropriate user entitlements can then Get Rate to lock in the real-time dynamic rate.

Dynamic rates for outward payments are not available for the following unsupported currencies per geography.

GEOGRAPHY	UNSUPPORTED CURRENCIES
Hong Kong	IDR, MYR
Singapore	IDR, KRW, LKR, MYR, PGK, SAR, TWD

Contract

To obtain a FX Contract, contact your local ANZ Markets dealer. Contracts will appear in ANZ Transactive – Global for selection after they have been booked.
To utilise a FX contract in a payment, the contract needs to have the same value date as the payment.

Choose a prebooked foreign exchange rate:

STEP	ACTION
1	Select Contract from Rate Type
2	Click Add FX Contracts
3	Choose FX Contract ID to apply to the payment instruction
4	Click OK
5	Enter Utilised Amount for the full payment amount

Do you wish to continue the payment at a later stage?

Yes - Click Save as Draft, then click OK and Close Payment to exit out to the payment and return to the Current Payments screen. Payment will be in a Draft status.
No - Continue steps below

Click Review & Submit

Click Submit

RESULT: Payment has been submitted and pending approval.

*A non-transactable daily mid-rate (which does not include a margin) has been used to estimate the transaction value for the purpose of approval discretions and available funds checking. The actual exchange rate for the transaction will be displayed when a trade or contract is applied to the payment request.

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. Error messages are specific to the payment method types, fields available and particulars validations. You can update the information within the impacted field(s) and continue processing the payment.

Mandatory field validations

Beneficiary alert notifications

Error is indicated by a red triangle. Details must be corrected to proceed with payment processing.
Alert with Warning is indicated by an amber triangle. Details can be corrected or accepted to proceed with payment processing.

Beneficiary Alert notification AU & NZ.png

Errors and Alerts within the Beneficiary Payment Details screen

Error is indicated by a red triangle. Details must be corrected to proceed with payment processing
Alert with Warning is indicated by an amber triangle. Details can be corrected or accepted to proceed with payment processing

Foreign exchange field validations

Next Steps

When the payment has been successfully submitted and is now in a Pending Approval status, you can choose from the following on-screen options:

Request Payment Summary Report - Download in CSV, PDF and XLSX
Save Payment as Template - View in Templates menu. Use Payment Template.
Create Another Payment
View this Payment in a Pending Approval status
Click OK to close the payment and return to the Current Payments screen

When the payment has been successfully submitted for approval(s), the next steps can be:

Approve Payment for processing or,
Reject Payment back to the initiator for editing or deleting

When the international payment is in a Completed status, you can Generate an MT103 message for each individual beneficiary in the payment instruction.

What is an International Payment?

Payment Method Rules for International payments

Who can create an International Payment?

Who can create and action an International Salary payment?

Create an International Payment

Mandatory field validations

Beneficiary alert notifications

Errors and Alerts within the Beneficiary Payment Details screen

Foreign exchange field validations

Next Steps

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