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ANZ Fileactive Changes

Geography: This article is applicable for ANZ Fileactive customers banking in Hong Kong and Singapore. Full details are available in Features by Geography.
This information is relevant to ANZ Fileactive customers in Hong Kong and Singapore 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:

  1. The accepted Character Sets in Pain.001 files.
  2. Mandatory Purpose Codes for Pain.001 files submitted for certain jurisdictions. 
  3. 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.
  4. Outward payment narratives.
  5. 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
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.
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
!@#$%^*()_+~{}|:"?`-=[]\;',./spaces
  • Account ID
  • Beneficiary Name
  • Beneficiary Address
  • Beneficiary City
  • Remittance Info
  • Customer Reference
  • Debit Statement Narrative
CHATS abcdefghijklmnopqrstuvwxyz
ABCDEFGHIJKLMNOPQRSTUVWXYZ
0123456789
(:)+,-.'/?spaces
  • Beneficiary Name
  • Beneficiary Address
  • Beneficiary City
  • Remittance Info
  • Customer Reference
  • Debit Statement Narrative
  • Sender to Receiver Value
Telegraphic Transfer abcdefghijklmnopqrstuvwxyz
ABCDEFGHIJKLMNOPQRSTUVWXYZ
0123456789
(:)+,-.'/?spaces
  • Beneficiary Name
  • Beneficiary Address
  • Beneficiary City
  • Remittance Info
  • Customer Reference
  • Debit Statement Narrative
  • Sender to Receiver Value
Singapore
PAYMENT TYPE VALID CHARACTERS APPLICABLE FIELDS
ACH abcdefghijklmnopqrstuvwxyz
ABCDEFGHIJKLMNOPQRSTUVWXYZ
0123456789
!@#$%^&*()_+~{}|:"<>?`-=[]\;',./spaces 
  • Beneficiary Name
  • Beneficiary Address
  • Beneficiary City
  • Remittance Info
  • Customer Reference
  • Debit Statement Narrative
FAST abcdefghijklmnopqrstuvwxyz
ABCDEFGHIJKLMNOPQRSTUVWXYZ
0123456789
!@#$%^&*()_+~{}|:"?`-=[]\;',./spaces 
  • Beneficiary Name
  • Beneficiary Address
  • Beneficiary City
  • Remittance Info
  • Customer Reference
  • Debit Statement Narrative
MEPS abcdefghijklmnopqrstuvwxyz
ABCDEFGHIJKLMNOPQRSTUVWXYZ
0123456789
(:)+,-.'/?spaces
  • Beneficiary Name
  • Beneficiary Address
  • Beneficiary City
  • Remittance Info
  • Customer Reference
  • Debit Statement Narrative
  • Sender to Receiver Value
PAYNOW abcdefghijklmnopqrstuvwxyz
ABCDEFGHIJKLMNOPQRSTUVWXYZ
0123456789
!@#$%^&*()_+~{}|:"?`-=[]\;',./spaces 
  • Beneficiary Name
  • Beneficiary Address
  • Beneficiary City
  • Remittance Info
  • Customer Reference
  • Debit Statement Narrative
Telegraphic Transfer abcdefghijklmnopqrstuvwxyz
ABCDEFGHIJKLMNOPQRSTUVWXYZ
0123456789
(:)+,-.'/?spaces
  • Beneficiary Name
  • Beneficiary Address
  • Beneficiary City
  • Remittance Info
  • Customer Reference
  • Debit Statement Narrative
  • Sender to Receiver
Multibank Transfer abcdefghijklmnopqrstuvwxyz
ABCDEFGHIJKLMNOPQRSTUVWXYZ
0123456789
(:)+,-.'/?spaces
  • Customer Reference
  • Beneficiary Name
  • Beneficiary Address
  • Beneficiary City
  • Remittance Info
  • Regulatory Reporting Description
  • Sender to Receiver
  • Exchange Rate
  • FX Reference
  • Remitter Name
  • Account ID
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.:
    • Before: 2024-10-01t10:42:24.5723972+10:00
    • After: 2024-10-01t07:34:17.150167z
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.:
    • Before: 2024-10-01t10:42:24.5723972+10:00
    • After: 2024-10-01t07:34:17.150167z
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

Sample Files