Virtual Account Management (VAM) Narrative Changes – ANZ Digital Services Help

Geography: This article is applicable for Virtual Account Management (VAM) customers banking in Hong Kong, India and Singapore.

As part of ANZ’s commitment to enhancing your digital banking experience, we have provided you with enriched Virtual Account Management (VAM) narratives.

Hong Kong

PAYMENT TYPE	DEBIT TYPE	PREVIOUS NARRATIVE	NEW NARRATIVE
Book Transfer	Itemised	BKT+"VA+VAMAccount"+paymentId+toBeneName+customerRef Length: 3+1+9+1+21+1+20=56	BKT+"VA+VAMAccount"+paymentId+toBeneName+customerRef Length: 3+1+2+1+20+1+9+1+21+1+20=80
FPS	Bulk	FPS+headerRef+headerCustomerRef Length: 3+1+11+1+20=36	FPS+"VA+VAMAccount"+headerRef+headerCustomerRef Length: 3+1+2+1+20+1+11+1+20=60
	Itemised	FPS+paymentId+toBeneName+Purpose_code+customerRef Length: 3+1+11+1+10+1+21+1+20=69	FPS+"VA+VAMAccount"+paymentId+toBeneName+Purpose_code+customerRef Length: 3+1+2+1+20+1+11+1+10+1+21+1+20=93
	Payroll	PAY+headerRef+headerCustomerRef Length: 3+1+11+1+20=36	PAY+"VA+VAMAccount"+headerRef+headerCustomerRef Length: 3+1+2+1+20+1+11+1+20=60
RTGS (CHATS)	Itemised	DFT+paymentId+toBeneName+customerRef Length: 3+1+11+1+21+1+20=58	DFT+"VA+VAMAccount"+paymentId+toBeneName+customerRef Length: 3+1+2+1+20+1+11+1+21+1+20=82
Telegraphic Transfer	Itemised	XBT+paymentId+toBeneName+customerRef Length: 3+1+11+1+21+1+20=58	XBT+"VA+VAMAccount"+paymentId+toBeneName+customerRef Length: 3+1+2+1+20+1+11+1+21+1+20=82

India

PAYMENT TYPE	DEBIT TYPE	PREVIOUS NARRATIVE	NEW NARRATIVE
Book Transfer	Itemised	BKT+paymentId+toBeneName+customerRef Length: 3+1+11+1+29+1+20=66	BKT+"VA+VAMAccount"+paymentId+toBeneName+customerRef Length: 3+1+2+1+20+1+11+1+29+1+20=90
Cash Withdrawal	Itemised	CWD+paymentId+toBeneName+customerRef Length: 3+1+11+1+29+1+20=66	CWD+"VA+VAMAccount"+paymentId+toBeneName+customerRef Length: 3+1+2+1+20+1+11+1+29+1+20=90
NEFT	Bulk	NEFT+pir_nmbr+phdreference+NEFT -INR Length: 4+1+20+1+20+1+40=87	NEFT+"VA+VAMAccount"+pir_nmbr+phdreference+NEFT -INR Length: 4+1+2+1+20+1+20+1+20+1+40=111
NEFT	Itemised	NEFT+paymentId+customerRef+toBeneName+UTR Reference Length: 4+1+11+1+20+1+17+1+16=72	NEFT+"VA+VAMAccount"+paymentId+customerRef+toBeneName+UTR Reference Length: 4+1+2+1+20+1+11+1+20+1+17+1+16=96
RTGS	Itemised	RTGS+paymentId+toBeneName+ UTR Reference Length: 3+1+11+1+11+1+22=50	RTGS+"VA+VAMAccount"+paymentId+toBeneName+ UTR Reference Length: 3+1+2+1+20+1+11+1+11+1+22=74
Tax	Itemised	TAX+paymentId+toBeneName+customerRef Length: 3+1+11+1+29+1+20=66	TAX+"VA+VAMAccount"+paymentId+toBeneName+customerRef Length: 3+1+2+1+20+1+11+1+29+1+20=90
Telegraphic Transfer	Bulk	XBT+headerRef+headercustomerRef Length: 3+1+20+1+20=45	XBT+"VA+VAMAccount"+headerRef+headercustomerRef Length: 3+1+2+1+20+1+20+1+20=69
Telegraphic Transfer	Itemised	XBT+paymentId+toBeneName+customerRef Length: 3+1+11+1+29+1+20=66	XBT+"VA+VAMAccount"+paymentId+toBeneName+customerRef Length: 3+1+2+1+20+1+11+1+29+1+20=90

Singapore

PAYMENT TYPE

DEBIT TYPE

PREVIOUS NARRATIVE

NEW NARRATIVE

ACH (GIRO)

Bulk

ACH+headerRef+OTHR+customerAcctName+headerCustomerRef

Length: 3+1+11+1+4+1+18+1+20=60

ACH+VA+VAMAccount+headerRef+OTHR+customerAcctName+headerCustomerRef

Length: 3+1+2+1+20+1+11+1+4+1+18+1+20=84

Itemised

ACH+paymentId+Purpose_code+toBeneName+customerRef

Length: 3+1+11+1+4+1+18+1+20=60

ACH+VA+VAMAccount+paymentId+Purpose_code+toBeneName+customerRef+Remittance Information

Length: 3+1+2+1+20+1+11+1+4+1+18+1+20+140=224

Payroll

ACH+headerRef+SALA+customerAcctName+headerCustomerRef

Length: 3+1+11+1+4+1+18+1+20=60

ACH+VA+VAMAccount+headerRef+SALA+customerAcctName+headerCustomerRef

Length: 3+1+2+1+20+1+11+1+4+1+18+1+20=84

Book Transfer

Itemised

BKT+paymentId+toBeneName+customerRef

Length: 3+1+11+1+23+1+20=60

BKT+VA+VAMAccount+paymentId+toBeneName+customerRef+Remittance Information

Length: 3+1+2+1+20+1+11+1+23+1+20+140=224

FAST

Bulk

FST+headerRef+OTHR+customerAcctName+headerCustomerRef

Length: 3+1+11+1+4+1+18+1+20=60

FST+VA+VAMAccount+headerRef+OTHR+customerAcctName+headerCustomerRef

Length: 3+1+2+1+20+1+11+1+4+1+18+1+20=84

Itemised

FST+paymentId+Purpose_code+toBeneName+customerRef

Length: 3+1+11+1+4+1+18+1+20=60

FST+VA+VAMAccount+paymentId+Purpose_code+toBeneName+customerRef+Remittance Information

Length: 3+1+2+1+20+1+11+1+4+1+18+1+20+140=224

Payroll

FST+headerRef+SALA+customerAcctName+headerCustomerRef

Length: 3+1+11+1+4+1+18+1+20=60

FST+VA+VAMAccount+headerRef+SALA+customerAcctName+headerCustomerRef

Length: 3+1+2+1+20+1+11+1+4+1+18+1+20=84

PAYNOW

Bulk

PAYNOW+headerRef+OTHR+customerAcctName+headerCustomerRef

Length: 6+1+11+1+4+1+15+1+20=60

PAYNOW+VA+VAMAccount+headerRef+OTHR+customerAcctName+headerCustomerRef

Length: 6+1+2+1+20+1+11+1+4+1+15+1+20=84

Itemised

PAYNOW+paymentId+Purpose_code+toBeneName+customerRef

Length: 6+1+11+1+4+1+15+1+20=60

PAYNOW+VA+VAMAccount+paymentId+Purpose_code+toBeneName+customerRef+Remittance Information

Length: 6+1+2+1+20+1+11+1+4+1+15+1+20+140=224

Payroll

PAYNOW+headerRef+SALA+customerAcctName+headerCustomerRef

Length: 6+1+11+1+4+1+15+1+20=60

PAYNOW+VA+VAMAccount+headerRef+SALA+customerAcctName+headerCustomerRef

Length: 6+1+2+1+20+1+11+1+4+1+15+1+20=84

RTGS (MEPS)

Itemised

DFT+paymentId+toBeneName+customerRef

Length: 3+1+11+1+23+1+20=60

DFT+VA+VAMAccount+paymentId+toBeneName+customerRef+Remittance Information

Length: 3+1+2+1+20+1+11+1+23+1+20+140=224

Telegraphic Transfer

Itemised

XBT+paymentId+toBeneName+customerRef

Length: 3+1+11+1+23+1+20=60

XBT+VA+VAMAccount+paymentId+toBeneName+customerRef+Remittance Information

Length: 3+1+2+1+20+1+11+1+23+1+20+140=224