Geography: This article is applicable for ANZ Fileactive customers banking in Hong Kong, India, Indonesia, Philippines, Singapore, Taiwan, and Vietnam. Full details are available in Features by Geography.
This information is relevant to ANZ Fileactive customers in Hong Kong, India, Indonesia, Philippines, Singapore, Taiwan, and Vietnam as part of the upgrade from ANZ Transactive Cash Asia.
As part of ANZ's commitment to enhancing your digital banking experience, we will be implementing changes to:
- The accepted Character Sets in Pain.001 files.
- Mandatory Purpose Codes for Pain.001 files submitted for certain jurisdictions.
- Reply files your organisation currently receive via ANZ Fileactive after Pain.001, GCP Pipe Delimited and GCP Fixed Length payment files are submitted for processing.
- Outward payment narratives.
- Checking available funds in your account upon submission of payments. If there are insufficient funds, the payment status will be Rejected and you will need to fund the account and resubmit the payment for processing.
What are the changes?
Available Funds Check
Please refer to your jurisdiction for the available funds check process
Hong Kong, India, Philippines, Singapore & Vietnam
Upon submission of payment files via ANZ Fileactive, ANZ will verify the available funds in your account. If there are insufficient funds, the payment status will be Rejected and you will need to fund the account and resubmit the payment for processing.
Indonesia & Taiwan
When payment files are submitted via ANZ Fileactive, ANZ checks your account for sufficient funds. If funds are insufficient, the payment will still show as Approved and be retried throughout the day. If the account isn't funded by close of business on the value date, the payment will be returned as Rejected by Bank or Cancelled, and a new payment file must be submitted.
Beneficiary Charging
If beneficiary charging is nominated in a payment file uploaded to ANZ Fileactive, the beneficiary code will automatically default to a SHA (Shared) code: this means the sender will cover all fees charged by ANZ, however, any fees charged by other banks (including our correspondent banks, any other intermediary banks and/or the recipient's bank) will be deducted from the payment before the proceeds are paid to the beneficiary.
Character Set changes
Please refer to the below accepted character sets and applicable fields for your Pain.001 files, classed by jurisdiction and payment type.
Hong Kong
| PAYMENT TYPE | VALID CHARACTERS | APPLICABLE FIELDS |
| FPS | abcdefghijklmnopqrstuvwxyz ABCDEFGHIJKLMNOPQRSTUVWXYZ 0123456789 !@#$%^*()_+~{}|:"?`-=[]\;',./spaces |
|
| CHATS | abcdefghijklmnopqrstuvwxyz ABCDEFGHIJKLMNOPQRSTUVWXYZ 0123456789 (:)+,-.'/?spaces |
|
| Telegraphic Transfer | abcdefghijklmnopqrstuvwxyz ABCDEFGHIJKLMNOPQRSTUVWXYZ 0123456789 (:)+,-.'/?spaces |
|
Singapore
| PAYMENT TYPE | VALID CHARACTERS | APPLICABLE FIELDS |
| ACH | abcdefghijklmnopqrstuvwxyz ABCDEFGHIJKLMNOPQRSTUVWXYZ 0123456789 !@#$%^&*()_+~{}|:"<>?`-=[]\;',./spaces |
|
| FAST | abcdefghijklmnopqrstuvwxyz ABCDEFGHIJKLMNOPQRSTUVWXYZ 0123456789 !@#$%^&*()_+~{}|:"?`-=[]\;',./spaces |
|
| MEPS | abcdefghijklmnopqrstuvwxyz ABCDEFGHIJKLMNOPQRSTUVWXYZ 0123456789 (:)+,-.'/?spaces |
|
| PAYNOW | abcdefghijklmnopqrstuvwxyz ABCDEFGHIJKLMNOPQRSTUVWXYZ 0123456789 !@#$%^&*()_+~{}|:"?`-=[]\;',./spaces |
|
| Telegraphic Transfer | abcdefghijklmnopqrstuvwxyz ABCDEFGHIJKLMNOPQRSTUVWXYZ 0123456789 (:)+,-.'/?spaces |
|
| Multibank Transfer | abcdefghijklmnopqrstuvwxyz ABCDEFGHIJKLMNOPQRSTUVWXYZ 0123456789 (:)+,-.'/?spaces |
|
File Format Changes
Changes are applicable to Hong Kong, India, Philippines, Singapore & Vietnam.
The below changes are in effect for the following payment files:
- Fixed-Length format
- Pipe-delimited format
| Fields | Until 31 May 2025 | After 31 May 2025 |
Payment Detail Record:
|
These fields are mandatory. Files missing this information will be in a Rejected status and you will need to fix and resubmit the file. | If this information is missing, details will be populated from the Batch Reference (H8) field in the Header Record. |
Payment Detail Record:
|
This field is mandatory. Files missing this information will be in a Rejected status and you will need to fix and resubmit the file. | If this information is missing, details will be populated from the Debit Account (H6) field in the Header Record. |
Payment Detail Record:
|
This field needs to contain the two-character ISO Country Code. If this is missing or incorrect, the file will be in a Rejected status, and you will need to fix and resubmit the file. | This behaviour will continue post 31 May 2025. |
Payment Detail Record:
|
This field is mandatory for Philippines ACH (PESONet) payments. Files missing this information will be in a Rejected status and and you will need to fix and resubmit the file. | This field will be optional in ANZ Fileactive. However, in June, regulatory requirements will make it mandatory. At that point, the beneficiary bank may reject transactions that do not include this field. For more information, refer to the Philippines PESONet Changes article. |
GCP Pipe Delimited and GCP Fixed Length reply file changes
If you currently receive a GCP Pipe Delimited or GCP Fixed Length reply file, it will be replaced by a Payment Transaction Status Report in a PDF format.
Outward payment narrative changes
ANZ will be providing you with consistent outward payment narratives. This information will be available when viewing and downloading transaction details in ANZ Fileactive and ANZ Transactive – Global. The changes are:
- Removal of extra delimiter (+) for some Singapore payment types.
- Payment Batch ID and Payment Instruction ID now contains 11 characters.
For more information, please refer to the Outward payment narrative changes article.
Pain.002 reply file changes
| TAG | CHANGE |
|---|---|
| CreDtTm | Date and time stamp is changing from UTC+10 to UTC format, e.g.:
|
| StsRsnInf | This tag will no longer be available. |
| AcctSvcrRef | This tag will no longer be available. |
Payment Transaction Status Report (PDF) changes
| FIELD | CHANGE |
|---|---|
| Date & Time Received | Date and time stamp is changing from UTC+10 to UTC format, e.g.:
|
| Transaction Status Detail | This field will be blank. |
| Source Filename | This field will be blank. |
Purpose Code changes
It is mandatory to specify Purpose Codes on the Pain.001 file when sending payments to the beneficiary currencies specified below.
| JURISDICTION | PAYMENT TYPE | BENEFICIARY COUNTRIES |
| Hong Kong | Telegraphic Transfer |
AE, CN, ID, IN, MY |
| Singapore | Telegraphic Transfer |
AE, CN, ID, IN, MY |
| Phillipines | Telegraphic Transfer |
AE, CN, ID, IN, MY |
| Vietnam | Telegraphic Transfer |
AE, CN, ID, IN, MY |
| India | Telegraphic Transfer |
AE, CN, ID, IN, MY |