Skip to main content
Contact

Create International Payment (Hong Kong & Singapore)

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 able 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.

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 Payment Details screen (HK & SG).png
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:

  1. Click Create Payment > International Payment or International Salary Payment (see step-by-step instructions below)
  2. Click Create Payment > Use Payment Template
  3. Click Create Payment > Upload Payment File
  4. Click Create Payment > Use Past Payment
  5. Click Current Payments > New > International Payment or International Salary Payment (see step-by-step instructions below)
STEP ACTION
1 Click Payments > Create Payment menu or
Click Payments > Current Payments menu > New
2 Click International Payment or International Salary Payment
3 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.
4 Select the Debit Account
5 Value Date will default with the current or next business date.
If required, choose a future value date up to 90 days.
6 Enter a Payment Name up to 35 characters that will appear on payment reports
7 Enter a Payment Reference up to 35 characters that will appear within the narrative on the funding account, beneficiary's statement and payment reports
8 If required, enter Debit Advice Description up to 55 characters that will appear on the Debit Advice
9 Select the Payment Currency
Refer to Processing & cut-off times for list of available payment currencies.
10 If required, select a Confidential Data Group
11 If required, tick Enter Amounts in Debit Currency if payment amount is in a different currency
12 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.
13
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
1 If required, tick Add this beneficiary to your Beneficiaries when the payment is submitted
2 Select Beneficiary Bank Country or Region
RESULT: The following fields will be based on the debit account and Beneficiary Bank Country or Region selected.
3 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
4 Click Search, to search and select the Beneficiary Bank SWIFT or Clearing Code
5 Enter Account Number/IBAN
6 Enter Beneficiary Name up to 35 characters
7 Select Account Type: (Beneficiaries in China)
  • Resident Individual
  • Non-Resident Individual
  • Resident Corporate
  • Non-Resident Corporate
8 If required, enter Beneficiary Email Address up to 255 characters, separated by a comma, if sending a Beneficiary Advice
9 If required, enter your My Beneficiary ID up to 35 characters, if 'Add this Beneficiary to your Beneficiaries' checkbox was selected
10 Select Beneficiary Country or Region
11 Enter Beneficiary Address up to 35 characters per line and City
12 Click Save
13 If required, click Add again to add additional beneficiaries.
Proceed to next steps.
14 If required, enter Client Reference up to 16 characters if different from the Payment Reference prepopulated
15 Enter the Beneficiary payment amount
16 If required, click Beneficiary Payment Details icon to view or update additional beneficiary information:
Add or update Beneficiary Payment Details
STEP ACTION
1 Add or edit Beneficiary
2 Add or edit Payment Amount
3 Add or edit Debit Currency & Amount
4 Select Payment Purpose
5 If required, add or enter Client Reference up to 16 characters and will appear as part of the narrative on the debit account and beneficiary's statements and on payment reports.
6
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
7 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.
8 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
9 If required, enter Additional Information up to 8000 characters that will appear on the Payment Detail Report
10 If required, enter Debit Advice Description up to 55 characters that will appear on the Debit Advice
11 If required, tick Email Beneficiary Advice and enter email address(es) up to 255 characters, separated by a comma
  • You cannot add or edit the email address if the checkbox is not ticked
  • Pre-populated email addresses are derived from the beneficiary details in the Beneficiaries list
  • A sample Beneficiary Advice can be found here
12 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/
13 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.
17 Click Save
18 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.
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
19 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
20 Click Review & Submit
21 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

Errors and Alerts HK & SG.png

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
Errors and Alerts AU & NZ.png

Foreign exchange field validations

Rates Error Messages.png

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:

You may find these helpful

YouTube videos may not be available in your geography.

Guides

Videos

Need more help?