From 29 June 2026, Seven-day end of day balance and transaction reporting will be available via ANZ Fileactive, allowing faster reconciliation including weekends and public holidays.
The reporting will be available for New Zealand domiciled NZD accounts.
You will need to decide what reporting option is right for your business, whether you would like to continue with five days a week OR change to seven days a week.
What 7-day reporting can help with:
- More timely visibility - see your balances and transactions every day, including weekends.
- Simpler reconciliation - daily files remove weekend gaps and Monday's backlog.
- Continuous operations - if you want to be able to operate 7 days a week.
- A smoother customer experience - For example, weekend online purchases are processed the same day they occur.
What accounts are included in 7-day reporting:
- New Zealand domiciled NZD accounts. Your choice will apply to all NZD accounts and cannot be chosen on an account-by-account basis.
- Exclusions: Foreign Currency Accounts (FCAs) and Credit Cards are not supported for 7-day reporting and will remain 5 days.
Things you need to know
Key terms
- Reporting - End of Day (EOD) Balance and Transaction Reporting (BTR).
- Non-business day (NBD) is Saturday, Sunday, or New Zealand national public holiday.
- Business day is Monday to Friday, excluding New Zealand national public holidays.
- Calendar day is any day of the year.
- Post date is the transaction processing date and displays a business day.
- Value date (or effective date) is the date the transaction occurred. The transaction can be on a business day or non-business day.
High level considerations
- BTR option: you will need to select either 5-day BTR or 7-day BTR for all your NZD accounts. FCAs and Credit Cards will remain with 5-day BTR.
- File formats: the same formats are available for 7 day-BTR or 5-day BTR (.csv, MT940, CAMT053, Tandem, etc.,)
- File delivery time: scheduled every morning, at the same time as 5-day BTR. Weekend files may arrive later due to maintenance. Check Status Page for updates.
- 7-day reporting value date must be enabled to ensure you receive all calendar day dates within BTR files. In most cases, value date supersedes the post date for reporting and other calculations.
What to do if you are interested in 7-day reporting
To move to 7-day BTR, contact your ANZ Transaction Banking Manager (TBM) or Relationship Manager (RM) and discuss your requirements. You will then be introduced to our Implementation and Technical teams, who will work with you to facilitate the process end-to-end.
Overview of BTR options: Intraday, 5‑day and 7-day BTR
7‑day BTR provides a daily file for every calendar day, while 5‑day BTR provides a file for every business day i.e., combines weekend activity into Monday’s reporting, delivered on a Tuesday morning. For a comparison, Intraday provides files throughout the day.
For a more detailed comparison, please see Your questions, answered.
| FEATURE | INTRADAY | 5-DAY BTR | 7-DAY BTR |
| DELIVERY | Sent according to your intraday schedule. | Sent Tuesday - Saturday (weekends rolled into Monday). | Sent daily, including weekends & public holidays. |
| TRANSACTIONS | Only new (“delta”) transactions within the day. | All transactions dated for the business day; Non-business day transactions will appear in the next business day file. | All transactions dated for the calendar day, including weekends & holidays |
| OPENING BALANCE | Uses prior business day balance for weekends until Monday night. |
Tuesday to Friday: Opening balance of the business day Monday file shows Saturday opening balance. |
Each Calendar day has their own opening balance. |
| CLOSING BALANCE | At time the intraday file is sent. | Closing balance of each business day. | Closing balance of each calendar day. |
| POST DATE | Always a business day. | Always a business day. | Always a business day. |
Note: Weekend files may arrive later due to maintenance. Check Status Page for updates.
File format samples:
Please see below file format samples. If your file format is not listed, please contact your Transaction Banking Manager or Account Manager.
CAMT.053
What you need to know
- CAMT.053 includes both Booking Date (Post Date) and Value Date.
- Customers must ensure they map the Value Date from the correct XML tag: <ValDt>.
Sample CAMT.053 snippet
XML
<Sts>BOOK</Sts>
<BookgDt>
<Dt>2025-05-06</Dt> <!-- Post/Booking Date -->
</BookgDt>
<ValDt>
<Dt>2025-05-06</Dt> <!-- Value Date -->
</ValDt>
NZ Statement (ADO Format)
What you need to know
- Value Date is optional and must be enabled.
- Appears at the end of each Record Type 3 line.
Sample ADO snippet
3,"06-0102-0123456-00",100.00,"BP","Joe Bloggs","","REF123","07/01/2024","05/01/2024"
- Where 07/01/2024 is Post Date
- Where 05/01/2024 is Value Date (optional)
MT940
What you need to know
- Only one MT940 converter supports Value Date.
- Value Date (YYMMDD) appears before the Post/Entry Date (MMDD) in :61: lines.
- This order is fixed and cannot be changed.
Sample MT940 snippet
:61:2505030505C2435,80NMSC EFTPOS NZ
- Where 250503 is Value Date (YYMMDD = 2025-05-03)
- Where 0505 is Entry/Post Date (MMDD = 05-05)
BAI2
What you need to know
- The Group Header (Record 02) contains only the Post Date.
- BAI2 has no Value Date field by default.
- For 7-day BTR, customers may:
- Replace Post Date with Value Date (simple option), or
- Add Value Date as an additional injected field (advanced option).
Sample BAI2 (Record 02 - Post Date only)
02,,"ANZBNZ22058",1,250507,0000,,2/
- Where 250507 is Post Date (YYMMDD)
Sample BAI2 (Record 16 with Value Date included)
(Only applicable if Value Date is opted in)
16,699,1650,V241201,483561144915,POS Good Mood Food/
- Where V241201 is Value Date (V + YYMMDD)
Multicash (SAPGen)
What you need to know
- In 5-day BTR, both date fields use the Post Date.
- In 7-day BTR, the second date must be mapped to the Value Date.
- After migration, customers will see a one-off jump in statement numbers.
Sample Multicash 5 Day BTR snippet
010,xxxxxxx,189,"07.01.14","07.01.14",DIR CRE,...
- Where 07.01.14 is Post Date and repeated again
Sample Multicash 7-day BTR snippet
010,xxxxxxx,189,"13.05.25","13.05.23",DIR CRE,...
- Where 13.05.25 is Post Date
- Where 13.05.23 is Value Date
Your questions, answered
Is there any change to my Intraday reporting?
There are no changes to Intraday reporting. Intraday remains aligned to 5-day EOD BTR and there are no changes to Intraday reporting schedules unless requested. Refer to BTR File format specifications to determine if the processing date (post-date) and value date is provided or not.
Why does 7-day EOD BTR have Monday's date?
While ANZ systems have the capability to offer 5-and 7-day BTR, they finalise processing on a 5-day cycle, therefore transactions in the BTR will have a business day post date.
How does the 7-day BTR differ from the current 5-day BTR?
The key difference is:
-
7-day BTR
- is delivered every day, 365 days per year
- the content is determined by the transaction value date
-
5-day BTR
- is delivered on Tuesday to Saturday for business days (not on weekends and public holidays)
- the content is aligned to the business day date the transaction was processed (post-date)
You can choose what option works best for your business operations.
What if there are delays for files during maintenance, change and outages on weekends (Sat/Sun)?
Weekend files may experience delays due to maintenance, change, and outage windows that occur on weekends for several systems involved in 7-day BTR delivery. This is expected, and notifications will be made in advance wherever possible.
Check Status Page for updates.
External maintenance & outages e.g. SWIFT may also result in delays.
Does the content of the 7-day BTR align to the existing 5-day file and intraday such as fields, etc.?
The file types offered include the same content. You can configure the content to meet your needs. For 5-day BTR, the post-date (business day) should be used and for 7-day BTR, the value date (calendar day) should be used.
Can I choose the same accounts and products to appear in the 7-day BTR that are currently available in the 5-day BTRs?
For 7-day BTR you can include New Zealand domiciled NZD accounts, however, it excludes Foreign Currency Accounts and Credit Cards which remain on 5day BTR.
Will the files be delivered at the same time every day?
As with any technology system, periodic outages are required to ensure systems remain up to date and secure. On occasion, over non-business days (NWDs), the files may be delivered later for this reason. Conversely, if recipients have similar outages, the technical teams can work through delivery approaches to allow for such delays and ensure correct daily delivery and receipt.
What file formats can I receive for the 7-day BTR?
The 7-day BTR is available in the same file formats as the current 5-day BTR (csv, MT940, CAMT053, Tandem, etc.). Some bespoke formats may require further development, if the value date is not currently present.
How will I know if a file will be delivered late?
Please refer to the status page for notifications (https://status.online.anz.com/).
What do I need to do to move to 7-day BTR?
Discuss your requirements directly with your ANZ Transaction Banking Manager (TBM) or Relationship Manager (RM), who will pass on details for implementation support staff. They will facilitate the process of agreeing on aspects of delivery, including engagement of bank and customer technical staff to ensure requirements are understood and testing is completed.
When is the file delivered daily?
Delivery timing is early morning, scheduled at the same time as the 5-day BTR.
Will receiving a 7-day BTR cost more than the 5-day BTR?
Pricing is aligned with that of the 5-day BTR. Please discuss specifics with your ANZ Relationship Manager (RM) or Transaction Banking (TB) manager.
Can Foreign Currency Accounts (FCA's) be set up for 7-day BTR?
No, as it is only the New Zealand domiciled NZD accounts. FCA accounts are not part of the 7-day rollout - domestic clearing moved to 7 days, but SWIFT did not. This means FCA accounts are currently 5-days.
Can I receive both 5-day and 7-day BTR files for the same account?
No, this is not possible. The 7-day BTR configuration is applied at the account level within ANZ Fileactive, meaning each account can only be linked to either a 5-day or 7-day BTR, not both. Running parallel feeds is not supported.
What do I need to be aware of before opting into 7-day BTR?
Customers should ensure their ERP systems are updated to support 7-day EOD BTR, as this is critical for a smooth onboarding experience. The onboarding process typically takes around two weeks, including a one-week verification period. Additionally, customers need to understand the current support model, including the possibility of BTR being unavailable during weekends for platform maintenance and health activities.