Frequently Asked Questions for Corporate customers

Yes, you can continue to send and receive your existing payment and reporting formats including MT101 for International and RTGS payments and MT9xx series messages for account reporting. ANZ will continue to support our customers with sending and receiving these file formats for the foreseeable future.

Yes, ANZ Fileactive supports ISO 20022 XML file formats including pain.00x, camt.052 and camt.53 as these are the emerging global standard formats for data-rich financial messaging. Refer to ANZ Fileactive File Formats for all supported file types.

Yes, ANZ Fileactive currently supports beneficiary names up to 140 characters when using the pain.001 file format. The MT101 file format supports beneficiary names up to 66 characters by using the :59F option.

A self-service file checker is available, allowing customers to validate their MT101 and pain.001 files are hybrid address compliant.

A fully structured address provides higher data quality and consistency, which supports end-to-end straight-through processing. It is aligned with ISO 20022 international standards and considered the future-ready option, although it typically requires more effort to implement. 

In contrast, the hybrid address approach offers a more practical transition path. It is quicker and simpler to implement and works well in situations where address data is incomplete or stored in unstructured formats, making it a more flexible option.

No, a postal address is not required for the Beneficiary Bank or Creditor Agent. For international payments, the Beneficiary Bank must be identified using a valid SWIFT BIC. For RTGS payments, the Beneficiary Bank should be identified using the relevant National Clearing Code, such as BSB in Australia.

There is no change in the information that needs to be provided for the Payer / Debtor address. Existing requirements continue to apply.

Yes, you can continue to send and receive your existing payment and reporting formats including MT101 for International and RTGS payments and MT9xx series messages for account reporting. ANZ will continue to support our customers with sending and receiving these file formats for the foreseeable future.

ANZ Transactive Global does not currently support ISO 20022 (MX) message formats. Support for these formats is planned for a future release, and we will share further updates once timelines are confirmed.

Yes, you should review your international payment beneficiaries and update any that are missing City or Country/Region information. Also review any payment templates that contain International payment beneficiaries missing City or Country/Region address information.

From July 2026, beneficiary names up to 140 characters will be supported for payments created within the ANZ Transactive Global user interface. From July 2026, MT101 files will support beneficiary names up to 66 characters by using the :59F option.

No, customers do not need to provide the address for the Beneficiary Bank or Creditor Agent. For international payments, the Beneficiary Bank must be identified using a valid SWIFT BIC. For RTGS payments, the Beneficiary Bank should be identified using the relevant National Clearing Code, such as BSB in Australia.

No, customers do not need to provide an address in the Payer/Debtor field. Existing requirements continue to apply.

A self-service file checker is available, allowing customers to validate their MT101 and pain.001 files are hybrid address compliant.

No, sending pain.001 messages is not mandatory by November 2026. Customers can continue to send MT101 messages to ANZ. For SCORE customers, SWIFT has not provided an end date for MT101 usage.

Yes, for Financial Institutions, migration to pain.001 is required if sending a payment over SWIFT FIN by November 2026 in line with SWIFT’s global roadmap.

Yes, from November 2026, in line with SWIFT guidelines, unstructured postal addresses will no longer be accepted in international and RTGS payments.

SCORE Customers must use Field 59F (Option F) whenever an address is required.

Many SCORE customers currently submit MT101 messages using Field 59 (no letter option). Going forward, use of Field 59F is required to avoid message rejection by ANZ.

Example of using MT101 Option F in Field 59:
:59F:/BE30001216371411
1/JOHN SMITH
2/HOOGSTRAAT 6, 18TH FLOOR
3/BE/BRUSSELS,1000
Where:
1/= Name (JOHN SMITH)
2/=Address Line (HOOGSTRAAT 6, 18TH FLOOR)
3/=Country Code (BE), Town Name (BRUSSELS), and Postal Code (1000)

While not typically used by SCORE customers, MT101 fields 56D and 57D must comply with revised address requirements or messages will be rejected.

Yes, ANZ has enabled the capability to receive MX pain.001 over Swift FINPlus using the SCORE+ format guidelines located in the ANZ SWIFT Services file format guides article. Please contact your ANZ representative if you require further assistance.