Skip to main content
Status Page Contact
Bahasa Indonesia 日本語 Tiếng Việt 简体中文 繁體中文
Where AI translations differ, the English version should be used.

India - International payment template

Geography: This article is applicable for ANZ Transactive Global customers banking in India
Full details are available in Features by Geography.
About International Payment Templates

What is an international payment template?

International payments, also known as cross-border payments or telegraphic transfers, allows you to setup frequently used payment instructions to transfer funds 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. 

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

Payment template rules for international payments

  • Fields marked with an asterisk (*) within a template are considered mandatory. Additional information can be added at time of payment, including value date, FX rate, additional information, etc.
  • Individual Debits indicator will be enabled for selection when two or more beneficiaries have been added to the payment template.
  • Foreign Currency: The exchange rate cannot be provided within a template but only shown once the template is approved and used to create a payment.
  • 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.
  • 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.
  • When Beneficiary Bank Country is CN (China, and currency is CNY), IN (India), ID (Indonesia), MY (Malaysia), or AE (UAE), the Purpose Code is mandatory.
  • Invalid Character rules apply to this payment type.

Who can create an international payment template?

Eligible users with Payment Management role permissions and account access can create and manage an International Payment Templates 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

Users with more than 1000 accounts, may need to use the Previous or Next arrows on the screen to search and select the debit account when creating a payment.

For more information, please refer to Role Permissions and User Permissions.
Payment template input screens
International Payment Template screen
The following image is an example of an international payment template screen with fields including the template name and template description, division, debit account, payment reference, and beneficiary details. 
IN Int'l Payment Template screen.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, beneficiary LEI, additional remittance and sender to receiver information.
IN Beneficiary Payment Details screen.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.
IN Beneficiary Details screen.png

Create an international payment template

To create an international payment template, follow the steps below:

STEP ACTION
1 Click Payments > Templates menu.
2 Click New on the Control Bar.
3

If required, choose a Country or Region where the funding account is domiciled. Select either:

  • Australia, New Zealand or China
  • Other Countries or Regions (Hong Kong, India, the Philippines, Singapore or Vietnam)
4 Click International Payment Template.
5 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.
6 Select the Debit Account.
7 Enter Template Name up to 35 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 35 characters that will appear within the narrative on the funding account and payment reports.
10 If required, enter a Debit Advice Description up to 55 characters.
11 If required, select the Payment Currency if different to the debit account currency.
Refer to Processing & cut-off times for list of available payment currencies.
12 If required, tick Enter Amounts in Debit Currency if payment amount is in a different currency.
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 'Add this Beneficiary to your Beneficiaries, when the template is submitted.' is selected by default.
2

Select Beneficiary Bank Country or Region

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
This field will be available when the debit account is domiciled in Australia, China, Hong Kong, India, New Zealand, Philippines, Singapore or Vietnam and the Beneficiary bank is in either China, Macao, Hong Kong or Singapore.

If required, select Account Type:
 

  • Resident Individual
  • Non-Resident Individual
  • Resident Corporate
  • Non-Resident Corporate
7

Enter Beneficiary Name.

Enter Full Legal Name (first name, any middle names, last name) or Registered Legal Entity Name of Beneficiary.
8

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 Payment Report Types for a sample Beneficiary Advice.
9 Enter a unique My Beneficiary ID up to 35 characters.
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 35 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

Payment Purpose Codes
BENEFICIARY BANK COUNTRY CODE CODE DESCRIPTION
  OTHERS OTHERS
  S0001 Indian investment abroad -in equity (capital (shares))
  S0002 Indian investment abroad -in debt securi(ties)
  S0003 Indian investment abroad -in branches & (wholly owned subsidiaries)
  S0004 Indian investment abroad -in subsidiarie(s and associates)
  S0005 Indian investment abroad -in real estate
  S0006 Repatriation of Foreign Direct Investmen(t in India- in equity shares)
  S0007 Repatriation of Foreign Direct Investmen(t in India- in debt securities)
  S0008 Repatriation of Foreign Direct Investmen(t in India- in real estate)
  S0009 Repatriation of Foreign Portfolio Invest(ment in India- in equity shares
  S0010 Repatriation of Foreign Portfolio Invest(ment in India- in debt securities)
  S0011 Loans extended to Non-Residents
  S0012 Repayment of long & medium term loans wi
  S0013 Repayment of short term loans with origin
  S0014 Repatriation of Non-Resident Deposits (F(CNRB/N.RERA etc.)
  S0015 Repayment of loans & overdrafts taken by (ADs on their own account)
  S0016 Sale of a foreign currency against anoth(er foreign currency)
  S0017 Purchase of intangible assets like paten(ts, copyrights, trade marks etc.)
  S0019 Acquisition of non-producd non-financial (assets (Purchase of intangible assets like patents, copyrights, trademarkts etc., user of natural resources) – Non-Government)
  S0020 Payments made on account of margin payme(nts, premium payment and settlement amount etc. under Financial derivative transactions)
  S0021 Payments made on account of sale share (under Employee stock option)
  S0022 Payments made on account of sale share
  S0023 Opening of foreign currency account
  S0024 External Assistance extended by India (e.g. Loans and advances extended by India to Foreign governments under various agreements)
  S0025 Repayments made on account of External (Assistance received by India.)
  S0026 Capital transfers Guarantees payments(, Investment Grand given by the government/international organisation, exceptionally large Non-life insurance claims) – Government)
  S0027 Capital transfers Guarantees payments ((Guarantees payments, Investment Grand given by the Non-government, exceptionally large Nonlife insurance claims) – Non-Government)
  S0099 Other capital payments not included else(where)
  S0101 Advance payment against imports
  S0102 Payment towards imports- settlement of i(nvoice)
  S0103 Imports by diplomatic missions
  S0104 Intermediary trade 
  S0108 Goods acquired under merchanting Payment (against import leg of merchanting trade*)
  S0109 Payment made for Import frm Nepal Bhutan(, if any
  S0201 Payments for surplus freight/passenger f(are by foreign shipping companies operating in India)
  S0202 Payment for operating expenses of Indian (shipping companies operating abroad)
  S0203 Freight on imports – Shipping companies
  S0204 Freight on exports – Shipping companies
  S0205 Operational leasing (with crew) – Shippi(ng companies)
  S0206 Booking of passages abroad – Shipping co(mpanies)
  S0207 Payments for surplus freight/passenger f(are by foreign Airlines companies operating in India)
  S0208 Operating expenses of Indian Airlines co(mpanies operating abroad)
  S0209 Freight on imports – Airlines companies
  S0210 Freight on exports – Airlines companies
  S0211 Operational leasing (with crew) – Airlin(es companies)
  S0212 Booking of passages abroad – Airlines co(mpanies)
  S0214 Payments on account of stevedoring(, demurrage, port handling charges etc. (Shipping companies))
  S0215 Payments on account of stevedoring(, demurrage, port handling charges, etc.(Airlines companies)
  S0216 Payments for Passenger - Shipping (Companies)
  S0217 Other payments by Shipping companies
  S0218 Payments for Passenger - Airlines compan(ies)
  S0219 Other Payments by Airlines companies
  S0220 Payments on account of freight under (other modes of transport (Internal Waterways, Roadways, Railways, Pipeline transports and others))
  S0221 Payments on account of passenger fare (under other modes of transport (Internal Waterways, Roadways, Railways, Pipeline transports and others))
  S0222 Postal & Courier services by Air
  S0223 Postal & Courier services by Sea
  S0224 Postal & Courier services by others
  S0301 Remittance towards Business travel.
  S0303 Travel for pilgrimage
  S0304 Travel for medical treatment
  S0305 Travel for education (including fees, ho(stel expenses etc.)
  S0306 Other travel (international credit cards
  S0501 Construction of projects abroad by India(n companies including import of goods at project site)
  S0502 Payments for cost of construction etc. o(f projects executed by foreign companies in India)
  S0601 Payments for Life insurance premium
  S0602 Freight insurance – relating to import & (export of goods)
  S0603 Other general insurance premium
  S0605 Auxiliary services (commission on insura(nce)
  S0607 Insurance claim Settlement of non-life (insurance; and life insurance (only term insurance)
  S0608 Life Insurance Claim Settlements
  S0609 Standardised guarantee services
  S0610 Premium for pension funds
  S0611 Periodic pension entitlements e.g. month(ly quarterly or yearly payments of pension amounts by Indian Pension Fund Companies)
  S0612 Invoking of standardised guarantees
  S0701 Financial intermediation except investme(nt banking – Bank charges, collection charges, LC charges, cancellation of forward contracts, commission on financial leasing etc.)
  S0702 Investment banking – brokerage, under wr(iting commission etc.)
  S0703 Auxiliary services – charges on operatio(n & regulatory fees, custodial services, depository services etc.)
  S0801 Hardware consultancy/implementation
  S0802 Software consultancy / implementation
  S0803 Data base, data processing charges
  S0804 Repair and maintenance of computer and s(oftware)
  S0805 News agency services
  S0806 Other information services- Subscription (to newspapers, periodicals)
  S0807 Off-site software imports
  S0808 Telecommunication services including (electronic mail services and voice mail services)
  S0809 Satellite services include space shuttle (and rockets etc.)
  S0901 Franchises services – patents, copyright(s, trade marks industrial processes, franchises etc.)
  S0902 Payment for use, through licensing arran(gements, of produced originals or prototypes (such as manuscripts and films))
  S1002 Trade related services – commission on e(xports / imports)
  S1003 Operational leasing services (other than ((financial leasing) without operating crew, including charter hire)
  S1004 Legal services
  S1005 Accounting, auditing, book keeping and t(ax consulting services)
  S1006 Business and management consultancy and (public relatios services)
  S1007 Advertising, trade fair, market research (and public opinion polling service)
  S1008 Research & Development services
  S1009 Architectural, engineering and other tec(hnical services)
  S1010 Agricultural, mining and on–site process(ing services – protection against insects & disease, increasing of harvest yields, forestry services, mining services like analysis of ores etc.)
  S1011 Payments for maintenance of offices abro(ad)
  S1013 Environmental Services
  S1014 Engineering Services
  S1015 Tax consulting services
  S1016 Market research and public opinion (polling service)
  S1017 Publishing and printing services
  S1018 Mining services like on–site processing (services analysis of ores etc.)
  S1020 Commission agent services
  S1021 Wholesale and retailing trade services.
  S1022 Operational leasing services other than (financial leasing) without operating crew, including charter hire- Shipping companies)
  S1023 Other Technical Services including (scientific/space services)
  S1099 Other services not included elsewhere
  S1101 Audio-visual and related services – serv(ices and associated fees related to production of motion pictures, rentals, fess received by actors, directors, producers and fees for distribution rights)
  S1103 Radio and television production(, distribution and transmission services)
  S1104 Entertainment services
  S1105 Museums, library and archival services
  S1106 Recreation and sporting activities (services)
  S1107 Education (e.g. fees for correspondence (course abroad))
  S1108 Health Service (payment towards services (received from hospitals, doctors, nurses, paramedical and similar services etc. rendered remotely or on-site))\
  S1109 Other Personal, Cultural & Recreational (services0
  S1201 Maintenance of Indian embassies abroad
  S1202 Remittances by foreign embassies in Indi(a)
  S1301 Remittance by non-residents towards fami(ly maintenance and savings)
  S1302 Remittance towards personal gifts and do(nations)
  S1303 Remittance towards donations to religiou(s and charitable institutions abroad)
  S1304 Remittance towards grants and donations (to other governments and charitable institutions established by the governments)
  S1305 Contributions/donations by the Governmen (to international institutions)
  S1306 Remittance towards payment / refund of t(axes)
  S1307 Outflows on account of migrant transfers (including personal effects)
  S1401 Compensation of employees
  S1402 Remittance towards interest on Non-Resid(ent deposits (FCNRB/NRERA/NRNRD/NRSR etc.)
  S1403 Remittance towards interest on loans fro(m Non-Residents (ST/MT/LT loans)
  S1405 Remittance towards interest payment by A(Ds on their own account (to VOSTRO a/c holders or the OD on NOSTRO a/c)
  S1408 Remittance of profit by FDI enterprises (in India (by branches of foreign companies including bank branches)
  S1409 Remittance of dividends by FDI enterpris(es in India (other than branches) on equity and investment fund shares)
  S1410 Payment of interest by FDI enterprises (in India to their Parent company abroad)
  S1411 Remittance of interest income on account (of Portfolia Investment in India)
  S1412 Remittance of dividends on account
  S1501 Refunds / rebates / reduction in invoice
  S1502 Reversal of wrong entries, refunds of am(ount remitted for non-exports)
  S1503 Payments by residents for international (bidding)
  S1504 Notional sales when export bills negotia(ted/ purchased/ discounted are dishonoured/ crystallised/ cancelled and reversed from suspense account
  S1505 Deemed Imports exports between SEZ(, EPZs and Domestic tariff areas)
  S1601 Payments on accnt of mainten repair (services rendered for Vessels, ships, boats, warships, etc.)
  S1602 Payments on account of maintenance and (repair services rendered for aircrafts, space shuttles, rockets, military aircrafts, helicopters, etc.)
  S1701 Payments for processing of goods
5 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.
6

Select Charges

  • SHA - this means 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.
  • OUR - 'OUR Charge' fee is charged by us. We will cover fees charged by our correspondent banks used in processing this payment. Other banks (including other intermediary banks and/or the recipient's bank) may charge an additional fee.
7 If required, enter Beneficiary LEI (20 characters).
8

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.
9 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
10 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.
11 If required, enter a Debit Advice Description up to 55 characters.
12

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
  • Please refer to Payment Report Types for a sample Beneficiary Advice
13

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/
17 Click Save
18

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
19 Click Review & Submit
20

Click Submit

RESULT: Payment 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

PH PESONet Mandatory Fields Error.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

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:

You may find these helpful

YouTube videos may not be available in some ANZ geographies.

Guides

Videos

Need more help?