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Asia - Multibank payment template

Geography: This article is applicable for ANZ Transactive Global customers banking in Hong Kong, India, the Philippines, Singapore and Vietnam. Multibank payments for these geographies must also have an active Australia and/or New Zealand site.
Full details are available in Features by Geography.

A Multibank payment can be funded from the following types of accounts:

  • An ANZ offshore account (i.e. not Singapore) owned by your organisation that has been registered in ANZ Transactive Global. For example, an ANZ Australia account.
  • A non-ANZ account owned by your organisation that has been registered in ANZ Transactive Global and is held at a financial institution with which ANZ has a bilateral agreement. For example, a HSBC account in Hong Kong or a Bank of America account in London.
About Multibank templates

What is a Multibank template

Multibank template allows you to setup frequently used payment instructions in the form of an Outward MT101 message via the SWIFT network. The financial institution which holds the account will initiate the International Payment or MAS Electronic Payment System (MEPS) payment or equivalent payment on your behalf.

Once successfully created, you can use the preconfigured template to create your payment instructions.

Payment template rules for Multibank templates

  • Fields marked with an asterisk (*) within a template are considered mandatory. Additional information can be added at time of payment, including value date, additional information, supporting document, etc.
  • Template Approvals are required if your organisation needs Approval for templates when creating, editing or deleting a template. Once approved, the template can be used to create a payment.
  • New Beneficiaries added to a template may need to be approved before the template can be used to create a payment.
  • Invalid Character rules apply to this payment type.

Who can create a Multibank template?

  • Eligible users with Payment Management role permissions and account access can create and manage a Multibank template 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
For more information, please refer to Role Permissions and User Permissions.
Payment template input screens
Multibank payment template screen
The following image is an example of a multibank payment screen with fields including the division, debit account, template name and description, and beneficiary details and instruction codes.
Multibank template screen (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 and beneficiary email address.
Multibank template beneficiary screen (SG).png

Create Multibank template

To create a multibank payment template, follow the steps below:

STEP ACTION
1 Click Payments > Templates menu.
2 Click New on the Control Bar.
3 Click Multibank payment Template.
4 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.
5 Select the Debit Account.
6
To reduce the risk of fraud, ANZ recommends you always confirm beneficiary details when processing a payment instruction.
Add Beneficiary from your Beneficiaries list
Search and select the Beneficiary from the Beneficiary field, then proceed to next steps.
Add New Beneficiary

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

STEP ACTION
1

Select Beneficiary Bank Country or Region

The following fields will be based on the debit account and Beneficiary Bank Country or Region selected.
2

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
3 Click Search, to search and select the Beneficiary Bank SWIFT or Clearing Code.
4 Enter Account Number/IBAN.
5 Enter Beneficiary Name.
Full Legal Name (first name, any middle names, last name) or Registered Legal Entity Name of Beneficiary.
6

Select Account Type: (Beneficiaries in China)

  • Resident Individual
  • Non-Resident Individual
  • Resident Corporate
  • Non-Resident Corporate
7 If required, enter Beneficiary Email Address up to 255 characters, separated by a comma, if sending a Beneficiary Advice.
8 Select Beneficiary Country or Region.
9 Enter Beneficiary Address up to 35 characters per line and City.
10 Click Save.
11 If required, click Add again to add additional beneficiaries.
Proceed to next steps.
7 Enter a Template Name up to 16 characters. This will become the Template Name when you create a payment from the template.
8 Enter Template Description up to 40 characters.
9 Enter a Payment Reference up to 16 characters that will appear within the narrative on the funding account, beneficiary's statement and payment reports.
10 If required, select the Payment Currency, if different from the debit account currency.
11 If required, enter the Beneficiary payment amount.
This can be added or updated at time of payment.
12 If required, tick Enter Amounts in Debit Currency if payment amount is in a different currency.
13

If required, select the Bank-to-Bank Instruction Codes
 

  • These codes contain specific information about the payment to be used between the ordering customer and the financial institution that services the account.
  • If you select CMTO, OTHR, PHON or REPA, enter specific information related to the instruction in the second part of the field, e.g. a reference or telephone number (up to 35 characters). For all other codes, this field cannot be completed.
Instruction Codes
CODE DEFINITION
Null Blank
CHQB This transaction contains a request that the beneficiary be paid via issuance of a cheque.
CMSW This transaction contains a cash management instruction, requesting to sweep the account of the ordering customer.
CMTO This transaction contains a cash management instruction, requesting to top the account of the ordering customer above a certain floor amount. The floor amount, if not pre-agreed by the parties involved, may be specified after the code.
CMZB This transaction contains a cash management instruction, requesting to zero balance the account of the ordering customer.
CORT This transaction contains a payment that is made in settlement of a trade, for example, foreign exchange deal, securities transaction.
EQUI This transaction contains an instruction requesting to pay the beneficiary customer an amount in one currency, equivalent to an instructed amount in a different currency.
INTC This transaction contains an intra-company payment, that is, a payment between two companies belonging to the same group.
NETS This transaction contains a payment that should be settled via a net settlement system, if available.
OTHR Used for bilaterally agreed codes/information. The actual bilateral code/information needs to be specified in Additional Information.
PHON This transaction requires the beneficiary to be contacted by telephone and should be followed by the appropriate telephone number. (This code is meant for the last financial institution in the chain.)
REPA Payment has a related e-Payments reference.
RTGS This transaction contains a payment that should be settled via a real time gross settlement system, if available.
URGP This transaction contains a time sensitive payment which should be executed in an expeditious manner.
14

Select who will incur the transfer Charges:

  • BEN: the beneficiary pays all transfer charges and receives the payment minus the transfer charges
  • OUR: you pay all transfer charges, and the beneficiary receives the full amount of the payment
  • 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. 
15 If required, tick 'I acknowledge that my company is the debit account owner' Instructing Party checkbox, if your organisation is the debit account owner.
16 If required, enter the Instructing Party Name up to 35 characters, if your organisation is not the debit account owner.
17

If required, enter Intermediary Bank information:
 

  • 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.
18 If required, enter Remittance Information up to 140 characters that will appear on the Detailed Payment Report.
19

If required, add statutory and/or Regulatory Reporting information required by the authorities in the country of Receiver or Sender:
 

  1. Select the type of regulatory reporting instruction:
    • BENEFRES - residence of the beneficiary customer
    • ORDERRES - residence of the ordering customer
  2. Enter regulatory reporting information up to 87 characters
20

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.
21 Click Review & Submit.
22

Click Submit.

RESULT: Payment instruction has been submitted and pending approval.
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:

Error - Mandatory fields (Osko).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 Message.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
Alerts Error Message.png

Next Steps

When the payment template has been successfully submitted for approval and is in a Pending Approval status, the next steps can be:

When the payment template has been successfully approved and is in an Approved status, the next steps can be:

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