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Classification: Public
Classification: Public
ANZ
HOST TO HOST
FILE FORMATS
JULY 2021
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Classification: Public
Table of Contents
1 INTRODUCTION ............................................................................................ 7
1.1 Overview ....................................................................................................................................... 7
1.2 Scope ............................................................................................................................................ 7
2 AU DOMESTIC PAYMENTS FILE FORMATS ......................................................... 8
2.1 Introduction ................................................................................................................................... 8
2.2 Overview ....................................................................................................................................... 8
2.3 File Naming Convention ................................................................................................................... 8
2.4 ABA File Layout and Character Set .................................................................................................... 8
Descriptive Record ........................................................................................................................... 8
Detail Record .................................................................................................................................. 10
Batch Control Record ....................................................................................................................... 11
2.5 BPAY File format (Australia only) ..................................................................................................... 12
BPAY File Layout and Character Set ................................................................................................... 12
File Header Record .......................................................................................................................... 13
Payment instruction record............................................................................................................... 13
File Trailer Record ........................................................................................................................... 14
Error messages ............................................................................................................................... 15
3 NZ DOMESTIC PAYMENTS FILE FORMATS ....................................................... 17
3.1 Introduction .................................................................................................................................. 17
3.2 Overview ...................................................................................................................................... 17
3.3 Host-to-Host File Naming Convention ............................................................................................... 17
3.4 File Layout and Character Set .......................................................................................................... 17
Descriptive Record .......................................................................................................................... 17
Detail Record .................................................................................................................................. 18
Batch Control Record ....................................................................................................................... 19
4 AU AND NZ DOMESTIC PAYMENTS REPLY FILE FORMAT ................................... 21
4.1 Overview ...................................................................................................................................... 21
4.2 Standard File Naming Convention .................................................................................................... 21
4.3 Domestic Payments Reply File Layout ............................................................................................... 21
Data Header Record One .................................................................................................................. 21
Data Header Record Two.................................................................................................................. 22
Detail Record .................................................................................................................................. 23
4.4 Failure Codes and Reasons .............................................................................................................. 24
5 CHINA DOMESTIC PAYMENTS FILE FORMATS .................................................. 27
5.1 Fixed-Length Payment File .............................................................................................................. 28
Header Detail Record ....................................................................................................................... 28
Payment Detail Record .................................................................................................................... 30
Enrichment Detail Record ................................................................................................................. 33
Additional Details Record ................................................................................................................. 33
5.2 ISO XML Payment File .................................................................................................................... 36
Group Header ................................................................................................................................. 36
Payment Information ....................................................................................................................... 38
Supplementary Data........................................................................................................................ 45
Supplementary Data Record ............................................................................................................. 45
6 SINGLE PAYMENTS FILE FORMATS ................................................................ 48
6.1 Introduction .................................................................................................................................. 48
6.2 MT101 Non-Straight Through Processing (NSTP) File Format (Australia and New Zealand) ...................... 48
Overview ....................................................................................................................................... 48
Host-to-Host File Naming Convention ................................................................................................ 48
MT101 File Layout and Character Set................................................................................................. 48
Sequence A – General Information .................................................................................................... 50
Sequence B – Transaction Detail Record ............................................................................................ 51
Clearing System Codes .................................................................................................................... 56
6.3 MT101 Straight Through Processing (STP File) Format (Australia and New Zealand) ............................... 57
Overview ....................................................................................................................................... 57
Host-to-Host File Naming Convention ................................................................................................ 57
MT101 File Layout and Character Set................................................................................................. 57
Sequence A – General Information .................................................................................................... 60
Sequence B – Transaction Detail Record ............................................................................................ 62
Instruction Codes ............................................................................................................................ 73
Clearing System Codes – Option A .................................................................................................... 75
Clearing System Codes – Option C .................................................................................................... 75
6.4 Single Payments Reply File Format (Australia and New Zealand) .......................................................... 76
Overview ....................................................................................................................................... 76
Single Payments Reply File Layout .................................................................................................... 76
Single Payments Reply File Layout .................................................................................................... 76
Payment Header Record................................................................................................................... 77
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Payment Main Record ...................................................................................................................... 77
Payment Funding Record ................................................................................................................. 78
Payment Error Record...................................................................................................................... 79
File Trailer ...................................................................................................................................... 79
Failure Messages ............................................................................................................................. 80
7 BTR FILE FORMATS ..................................................................................... 81
7.1 Introduction .................................................................................................................................. 81
7.2 CSV Files (Australia and New Zealand) ............................................................................................. 81
Introduction ................................................................................................................................... 81
File Naming Convention ................................................................................................................... 81
Statement Balance File Format ......................................................................................................... 81
Statement Transaction File Format .................................................................................................... 83
7.3 SAP/Multi-cash Files (Australia and New Zealand) .............................................................................. 85
Introduction ................................................................................................................................... 85
File Naming Convention ................................................................................................................... 85
SAP/Multi-cash Balance File Format ................................................................................................... 85
7.4 BTR SingleFile (Australia only) ......................................................................................................... 91
Overview ....................................................................................................................................... 91
File Naming Convention ................................................................................................................... 91
File Layout ..................................................................................................................................... 91
File Header ..................................................................................................................................... 91
Account Header .............................................................................................................................. 92
Transaction Record.......................................................................................................................... 94
Account Trailer ............................................................................................................................... 95
File Trailer ...................................................................................................................................... 95
8 RETURNED ITEMS FILES (AUSTRALIA ONLY) .................................................. 96
8.1 Introduction .................................................................................................................................. 96
8.2 File Naming Convention .................................................................................................................. 96
8.3 Returned Items File Layout ............................................................................................................. 96
Header Record – Returned Direct Debits and Credits ........................................................................... 97
Detail Record – Returned Direct Debits and Credits ............................................................................. 97
Trailer Record – Returned Direct Credits and Debits ............................................................................ 98
Header Record – Retuned Cheques ................................................................................................... 99
Detail Record – Retuned Cheques ..................................................................................................... 99
Trailer Record – Returned Cheques ................................................................................................. 101
Return Reason Codes – Returned Direct Debits/Credits ...................................................................... 101
Return Reason Codes – Returned Cheques ....................................................................................... 102
9 BTR FILE FORMATS (ANZ TRANSACTIVE) ...................................................... 104
9.1 Introduction ................................................................................................................................ 104
9.2 CSV File Format ........................................................................................................................... 104
File Naming Convention ................................................................................................................. 104
File Layout ................................................................................................................................... 104
File Format – Balance Record ......................................................................................................... 104
File Format – Transaction Record .................................................................................................... 107
9.3 Multicash File Format – SAPGen ..................................................................................................... 108
File Naming Convention ................................................................................................................. 108
File Layout ................................................................................................................................... 108
Balance Record ............................................................................................................................. 108
Transaction Record........................................................................................................................ 110
9.4 BAI File....................................................................................................................................... 113
Introduction ................................................................................................................................. 113
Reserved Characters ..................................................................................................................... 113
File Layout ................................................................................................................................... 114
File Header Record ........................................................................................................................ 115
Group Header Record .................................................................................................................... 115
Account Identifier and Summary Status Record ................................................................................ 116
Transaction Detail Record .............................................................................................................. 117
Continuation Record ...................................................................................................................... 118
Account Trailer Record ................................................................................................................... 119
Group Trailer Record.................................................................................................................... 120
File Trailer Record ....................................................................................................................... 120
9.5 NZ Statement Files (New Zealand Domestic Accounts only) ............................................................... 121
Introduction ................................................................................................................................. 121
NZ Statement File(s) – Balance File ................................................................................................. 121
NZ Statement File(s) – Transaction File ....................................................................................... 122
Transaction Record - Type 3 ....................................................................................................... 122
Opening Balance Record - Type 5 ............................................................................................... 124
Closing Balance Record - Type 6 ................................................................................................. 125
Total Debits/Credits Record - Type 8 ........................................................................................... 126
Grand Total Debits/Credits Record - Type 9.................................................................................. 127
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10 ANZ SWIFT REPORTING .............................................................................. 128
10.1 Introduction ................................................................................................................................ 128
10.2 File Format - MT940 Statement file ................................................................................................ 128
10.3 File Format – MT941 Intra-Day Balance Statement File ..................................................................... 130
10.4 File Format - MT942 Interim Transaction Report File ........................................................................ 131
10.5 File Format – MT950 Current Day Statement File ............................................................................. 133
11 OFF-SYSTEM BSB (OS BSB) (AUSTRALIA ONLY) ............................................. 135
11.1 Introduction ................................................................................................................................ 135
File Naming Convention ............................................................................................................... 135
11.2 File Format - Paper Transaction File................................................................................................ 136
Record Identifiers ........................................................................................................................ 136
Header Record ............................................................................................................................ 137
Transaction Records .................................................................................................................... 137
File Total Record ......................................................................................................................... 140
11.3 File Format - Direct Entry .............................................................................................................. 141
Direct Entry File Header Record..................................................................................................... 141
Direct Entry Exchange Record (Type 1) .......................................................................................... 142
Direct Entry File Total Record ........................................................................................................ 143
11.4 Return/Refusal File ....................................................................................................................... 143
Direct Entry & GDES File Header Record (Type 0) ............................................................................ 143
Direct Entry & GDES Rejected Record (Type 2) ............................................................................... 145
Direct Entry & GDES Refusal Record (Type 3) ................................................................................. 146
Summary Report ......................................................................................................................... 147
11.5 GDES File.................................................................................................................................... 147
GDES File Header Record ............................................................................................................. 147
GDES Exchange Record (Type 1) ................................................................................................... 148
GDES File Total Record ................................................................................................................ 149
12 ANZ RECEIVABLES MANAGEMENT ................................................................ 150
12.1 Introduction ................................................................................................................................ 150
Field Notations ............................................................................................................................ 150
Record Types .............................................................................................................................. 150
12.2 Open Items File Format ................................................................................................................ 151
Detail Record .............................................................................................................................. 151
12.3 Collection Detail File ..................................................................................................................... 152
File Structure .............................................................................................................................. 152
Header Record ............................................................................................................................ 152
Detail Record .............................................................................................................................. 152
Trailer Record ............................................................................................................................. 155
13 AGENCY CLEARING (AUSTRALIA ONLY) ......................................................... 157
13.1 Introduction ................................................................................................................................ 157
13.2 Standard File Naming Convention .................................................................................................. 157
13.3 Electronic Presentment (Paper) File ................................................................................................ 158
Record Identifiers ........................................................................................................................ 158
Header record ............................................................................................................................. 158
Transaction Records .................................................................................................................... 159
File Total Record ......................................................................................................................... 162
13.4 Inward Direct Entry File ................................................................................................................ 163
Direct Entry File Header Record..................................................................................................... 163
Direct Entry Exchange Record (Type 1) .......................................................................................... 165
Direct Entry File Total Record ........................................................................................................ 166
13.5 Outward Return/Refusal File .......................................................................................................... 166
Direct Entry & GDES File Header Record (Type 0) ............................................................................ 166
Direct Entry & GDES Rejected Record (Type 2) ............................................................................... 167
Direct Entry & GDES Refusal Record (Type 3) ................................................................................. 168
Direct Entry & GDES File Total Record (Type 7) ............................................................................... 169
13.6 Summary Report ......................................................................................................................... 170
Sample Daily Summary Report ..................................................................................................... 170
13.7 Inward GDES File ......................................................................................................................... 171
GDES File Header Record ............................................................................................................. 171
GDES Exchange Record (Type 1) ................................................................................................... 171
GDES File Total Record ................................................................................................................ 172
13.8 Cash and Cheque Deposit (Over the Counter) File ............................................................................ 173
Over the Counter File Header Record ............................................................................................. 173
Over the Counter File Detail Record ............................................................................................... 173
Over the Counter File Trailer Record .............................................................................................. 174
13.9 Outward Direct Entry File .............................................................................................................. 175
File Layout and Character Set ....................................................................................................... 175
Header Record ............................................................................................................................ 175
Detail Record .............................................................................................................................. 176
Batch Control Record ................................................................................................................... 178
13.10 Inward APCS Dishonour and Voucher Required File .......................................................................... 179
APCS Dishonour and Refusal File Layout ....................................................................................... 179
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Header Record – APCS 9000 for APCS 1011 .................................................................................. 179
Detail Record – APCS 1011 ......................................................................................................... 179
Trailer Record – APCS 9090 for APCS 1011 ................................................................................... 182
Header Record – APCS 9000 for APCS 1510 .................................................................................. 182
Detail Record – APCS 1510 ......................................................................................................... 183
Trailer Record – APCS 9090 for APCS 1510 ................................................................................... 185
13.11 Outward APCS Refusal File ............................................................................................................ 185
Outward APCS Refusal File Layout ............................................................................................... 185
Header Record – APCS 9000 for APCS 1012 .................................................................................. 185
Detail Record – APCS 1012 ......................................................................................................... 186
Trailer Record – APCS 9090 for APCS 1012 ................................................................................... 189
13.12 Inward BECS Return and Refusal Files ............................................................................................ 189
Header Record – BECS Type 0 .................................................................................................... 189
Detail Record – BECS Type 2 ...................................................................................................... 190
Detail Record – BECS Type 3 ...................................................................................................... 192
Trailer Record – BECS Type 7 ...................................................................................................... 193
13.13 Threshold Transaction Report ........................................................................................................ 193
Threshold Transaction Report File Layout ...................................................................................... 193
Threshold Transaction Report Header Record ................................................................................ 194
Threshold Transaction Report Detail Record .................................................................................. 194
Threshold Transaction Report Trailer Record ................................................................................. 201
13.14 Appointer Image File (AIF) XML File Format .................................................................................... 201
<HEADER> Record .................................................................................................................... 202
<ITEM> Record ......................................................................................................................... 202
<TRAILER> Record .................................................................................................................... 204
Image Quality Requirements ....................................................................................................... 204
File Requirements ...................................................................................................................... 205
File Validations .......................................................................................................................... 205
Hash File .................................................................................................................................. 205
ZIP File .................................................................................................................................... 206
13.15 Appointer Image File (AIF) Report Descriptions ................................................................................ 206
Full Processing Report ................................................................................................................ 206
Summary Report ....................................................................................................................... 206
14 BPAY+ (AUSTRALIA ONLY) .......................................................................... 208
14.1 Introduction ................................................................................................................................ 208
14.2 Standard File Naming Convention .................................................................................................. 208
14.3 File Layout .................................................................................................................................. 208
14.4 File Format - Standard Output File ................................................................................................. 209
Header Record ............................................................................................................................ 209
Detail Record .............................................................................................................................. 209
Trailer Record ............................................................................................................................. 212
14.5 Summary Report and Tax Invoice .................................................................................................. 213
Sample Daily Summary Report ..................................................................................................... 213
Sample Monthly Tax Invoice ......................................................................................................... 214
Detailed Transaction Report .......................................................................................................... 215
15 POINT-OF-SALE (POS) (AUSTRALIA ONLY) .................................................... 216
15.1 Introduction ................................................................................................................................ 216
15.2 Standard File Naming Convention .................................................................................................. 216
15.3 POS File Layout ........................................................................................................................... 216
15.4 POS File Format ........................................................................................................................... 216
Transaction Record ...................................................................................................................... 216
16 ANZ COMMERCIAL CARDS (VISA) (AUSTRALIA ONLY) .................................... 218
16.1 Overview .................................................................................................................................... 218
16.2 Standard File Naming Convention .................................................................................................. 218
16.3 File Layout .................................................................................................................................. 218
16.4 File Format .................................................................................................................................. 218
File Naming Convention Record ..................................................................................................... 218
Account Balances Record .............................................................................................................. 218
Card Account Record ................................................................................................................... 219
Cardholder Record ....................................................................................................................... 220
Company Record ......................................................................................................................... 221
Hierarchy Level Record ................................................................................................................ 221
Hierarchy Tree Record ................................................................................................................. 221
Hierarchy Record......................................................................................................................... 222
Period Record ............................................................................................................................. 222
Transaction Record .................................................................................................................... 224
17 ANZ LOCKBOX (AUSTRALIA ONLY) ............................................................... 226
17.1 Introduction ................................................................................................................................ 226
17.2 Standard File Naming Convention .................................................................................................. 226
17.3 File Layout .................................................................................................................................. 226
17.4 Detail Record Usage ..................................................................................................................... 227
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Classification: Public
17.5 ANZ Lockbox File Format .............................................................................................................. 228
Header Record ............................................................................................................................ 228
Detail Record .............................................................................................................................. 228
Transaction Details - Remittance Details Record .............................................................................. 228
Transaction Details - Credit Card Details Record .............................................................................. 228
Transaction Details—Cheque Details Record ................................................................................... 229
Transaction Details—Trailer .......................................................................................................... 229
Field Definitions .......................................................................................................................... 229
18 ANZ LOCKBOX (NEW ZEALAND ONLY) .......................................................... 232
18.1 Introduction ................................................................................................................................ 232
Record File Format ...................................................................................................................... 232
Batch Summary Files Example ...................................................................................................... 233
19 BANK@POST CUSTOMER TRANSACTION DATA FILE & CUSTOMER TRANSACTION
REPORT 234
19.1 Introduction ................................................................................................................................ 234
Bank@Post Customer Transaction Data File .................................................................................... 234
Bank@PostCustomer Transaction Report ........................................................................................ 234
19.2 File Format .................................................................................................................................. 234
Bank@PostFile Header ................................................................................................................. 234
Bank@PostTransaction Record ...................................................................................................... 234
Bank@PostTrailer Details ............................................................................................................. 236
19.3 Sample Bank@PostCustomer Transaction Report ............................................................................. 237
20 BPAY PIM/ AM ............................................................................................ 238
20.1 Introduction ................................................................................................................................ 238
Payer / Biller Details File ........................................................................................................................... 238
Payer/Biller Details File – File Layout ............................................................................................. 238
Payer/Biller Details File – Header Record ........................................................................................ 238
Payer/biller Details File – Payment Instruction Record ...................................................................... 238
Payer/biller Details File – Trailer Record ......................................................................................... 241
20.2 Payer Details Rejections File .......................................................................................................... 242
Payer Details Rejections File – File Layout ...................................................................................... 242
Payer Details Rejections File – Header Record ................................................................................. 242
Payer Details Rejections File - Rejection Record .............................................................................. 243
Payer Details Rejections File – Trailer Record .................................................................................. 243
Payer Details Rejections File – File Rejection Reasons ...................................................................... 244
Payer Details Rejections File – Record Rejection Reasons ................................................................. 245
21 APPENDICES.............................................................................................. 248
21.1 Appendix A – Transaction Codes (Tandem) ..................................................................................... 248
Transaction code descriptions - HFR Source. ................................................................................... 248
Transaction code descriptions - CMM Source ................................................................................... 255
Transaction Code to BAI Code Mapping .......................................................................................... 263
22 APPENDIX B – BAI/TRANSACTION CODES – (ANZ TRANSACTIVE) .................... 271
22.1 BAI Status and Summary Level Items ............................................................................................ 271
22.2 Transaction code descriptions – HFR / CMM / V2P Source.................................................................. 275
Transaction code descriptions – MANTEC / MIDANZ Source .............................................................. 293
Transaction code descriptions – SYS Source ................................................................................... 297
Transaction code descriptions –XBK Source .................................................................................... 307
23 APPENDIX C - USE OF AUXDOM/TRANCODE .................................................. 308
24 APPENDIX D - IMPROVED STATEMENT NARRATIVE ......................................... 310
24.1 Statement Narrative Rules for Returned Cheques ............................................................................. 310
Statement Narrative Rules for Returned Direct Entry Debits and Credits .......................................................... 311
Example ..................................................................................................................................... 311
25 APPENDIX E – MT940/MT950 CODES ............................................................ 312
26 APPENDIX F – CASH ACTIVE CONTROL TRANSACTION BATCH IMPORT ............. 313
27 APPENDIX G: CHINA PAYMENT CODES .......................................................... 314
27.1 BOP Codes .................................................................................................................................. 314
27.2 Purpose Codes ............................................................................................................................. 319
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1 INTRODUCTION
1.1 Overview
The purpose of this document is to collate the various file formats for ANZ Transaction Banking.
This document is intended to be a file format specification only, and as such does not include any
training in how to use the different file formats.
1.2 Scope
This document applies to:
The following standard file formats:
Domestic Payments import file formats:
o AU Domestic Payments ABA import file format.
o NZ Domestic Payments NZD import file format.
o AU and NZ Domestic Payments Reply File format.
Single Payments import file formats:
o MT101 file format (Australia and New Zealand)
o Single Payments Reply File format.
Balance & Transaction and Returned Items Reporting export file formats:
o CSV export format
o SAP/Multi-cash export format
o BAI2 export format
o New Zealand Statement export format
o Returned Items export format
o BTR Singlefile format
Other file formats included;
o Off System BSB (OS BSB) file format (Australia only)
o Agency Clearing file format (Australia only)
o BPAY file format (Australia only)
o BPAY+ file format (Australia only)
o Point-of-Sale (POS) file format (Australia only)
o ANZ Commercial Cards (Visa) file format (Australia only)
o ANZ LockBox file format (Australia and New Zealand)
o Enhanced Cheque Processing (Australia only)
o Bank@Post file format
o ANZ Receivables Management
o ANZ SWIFT Reporting
o AIF XML File Format
This document does NOT address:
Instructions for importing/exporting files.
Examples of correctly formatted import/export files.
Any possible customisations made to file naming conventions.
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2 AU DOMESTIC PAYMENTS FILE FORMATS
2.1 Introduction
This section details the types of AU Domestic Payments import file formats.
2.2 Overview
The ABA File format allows a user to import an ABA formatted file as one or more batches of payment
instructions.
Note:
The ABA file conforms to the Australian Payments Network (APN) file specifications.
ANZ recommends the use of ISO 20022 XML Corporate to Bank systems integration. Please contact
your ANZ representive for further details. This legacy format is provided for reference where it is
currently used by customers.
2.3 File Naming Convention
The length of the filename - inclusive of colons and file extensions – must be no more than 22
characters in order that the whole file name is included in the reply file.
2.4 ABA File Layout and Character Set
An ABA file can contain one or more batches of payment instructions. The records in the ABA file to be
imported must follow a defined order. Each batch must:
Start with a Descriptive Record.
Contain one or more Detail Record(s).
End with a Batch Control Record.
The format specifications for each of these record types are outlined in detail further in this document.
The following character set is allowed in an ABA file:
Fields that are marked ‘Alpha’ (Alphanumeric) in the ‘Type’ column are limited to:
o Letters: A-Z, a-z
o Numbers: 0-9
o The following Characters: spaces ( ) , ampersands (&), apostrophes (‘), commas (,) , hyphens
(-), full stops (.), forward slashes (/), plus sign (+), dollar sign ($), exclamation mark (!),
percentage sign (%), left parenthesis ((), right parenthesis ()), asterisk (*), number sign (#),
equal sign (=), colon (:), question mark (?), left square bracket ([), right square bracket (]),
underscore (_), circumflex (^) and the at symbol (@)
o ‘Optional’ Alphanumeric fields must be filled with spaces if no data exists.
Fields that are marked ‘Numeric’ in the ‘Type’ column are limited to:
o Numbers: 0-9.
o ‘Optional’ Numeric fields must be filled with zeros if no data exists.
ABA files are required to be prepared as 120 byte fixed length records and must be separated by CRLF
(carriage-return/line feed, Hex 0D0A). This must be consistent for the whole file.
Descriptive Record
The Descriptive Record contains AU Domestic Payment batch header details.
If using ANZ Fileactive in combination with ANZ Transactive – Global the payment funding account
can be specified using one of the following methods (in order of preference):
1. Provide a BSB and Account Number in the Descriptive Record
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2. Create a self-balancing file in your accounting software which will add an extra line in the file
to represent the total debit for the payment.
Note: if neither of these methods is used, the system will choose an account linked to the DE User ID.
If there is more than one account linked to the DE User ID, the batch will fall into a needs repair
status.
The following table describes the format of the Descriptive Record:
Type Notes
Start
Position
End
Position
Length
Mandatory/
Optional
Numeric
Must be ‘0’.
1
1
1
Mandatory
Alpha
Bank/State/Branch number of the
funds account with a hyphen in the
4th character position.
e.g. 013-999.
2
8
7
Mandatory
Number
Alpha
Funds account number.
Note: the funding BSB and account
must match the BSB/accounts linked
to the User Identification Number
specified in position 57-62
9
17
9
Mandatory
Alpha
Blank filled.
18
18
1
Optional
Alpha
Must be ‘01’.
19
20
2
Mandatory
Financial
Institution
Alpha
Must contain the bank mnemonic
that is associated with the BSB of the
funds account.
e.g. ‘ANZ’.
21
23
3
Mandatory
Alpha
Blank filled.
24
30
7
Optional
Alpha
User Preferred Name as registered
with ANZ
31
56
26
Mandatory
Identification
Numeric
Direct Entry User ID.
Right-justified, zero-filled.
57
62
6
Mandatory
entries on File
Alpha
Description of payments in the file
(e.g. Payroll, Creditors etc.).
Can be used to match existing AU
domestic payments template
(including Restricted Templates). This
only applies to payments requiring
web authorisation.
63
74
12
Mandatory
processed
Alpha
Date on which the payment is to be
processed.
DDMMYY (e.g. 010111).
75
80
6
Mandatory
Alpha
Time on which the payment is to be
processed.
24 hour format - HHmm.
• If blank or spaces, process now.
• If the time is less than the
current time, process now
• If the time is after the final cut-
off time:
• The batch will be placed in a
‘warehoused’ status with a
release time of 00:00 on the
following day
Otherwise, process at time specified
81
84
4
Optional
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Type Notes
Start
Position
End
Position
Length
Mandatory/
Optional
Alpha
Blank filled.
85
120
36
Optional
Detail Record
Each Detail Record contains one AU Domestic Payment instruction. One or more Detail Items can be
included in a single ABA batch.
The following table describes the format of the Detail Record:
Type Notes
Start
Position
End
Position
Length
Mandatory/
Optional
Numeric
Must be ‘1’.
1
1
1
Mandatory
to be CREDITED
or DEBITED
Alpha
Bank/State/Branch number with a
hyphen in the 4
th
character position.
e.g. 013-999.
2
8
7
Mandatory
to be CREDITED
or DEBITED
Alpha
Numeric, hyphens & blanks are valid.
Right justified, blank filled.
Leading zeros that are part of an
Account Number must be included.
9
17
9
Mandatory
Indicator
Alpha
One of the following values, if
applicable:
N – for New or varied BSB number or
name details
W – Dividend paid to a resident of a
country where a double tax
agreement is in force.
X – Dividend paid to a resident of any
other country.
Y – Interest paid to all non-
residence.
The amount of withholding tax is to
appear in the Amount of Withholding
Tax field.
18
18
1
Optional
Code
Numeric
Select from the following options as
appropriate:
50 General Credit.
53 Payroll.
54 Pension.
56 Dividend.
57 Debenture Interest.
13 General Debit.
19
20
2
Mandatory
CREDITED or
DEBITED
Numeric
Right justified, zero filled, unsigned,
two decimal places are implied (e.g.
$10.21 is recorded as 0000001021).
21
30
10
Mandatory
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Type Notes
Start
Position
End
Position
Length
Mandatory/
Optional
to be CREDITED
or DEBITED
Alpha
Preferred format is: Surname
followed by given names with one
blank between each name.
e.g. SMITH John Alan.
Numeric, hyphens, semicolons &
blanks are valid. Left justified, blank
filled.
31
62
32
Mandatory
Lodgement
Reference
Produced on the
recipient’s
Account
Alpha
Payment reference indicating details
of the origin of the entry (e.g. payroll
number, policy number).
Left justified, blank filled.
63
80
18
Mandatory
Trace BSB
Number
Alpha
Bank/State/Branch number of the
trace account with a hyphen in the
4
th
character position.
e.g. 013-999
81
87
7
Mandatory
Trace Account
Number
Alpha
Numeric, alpha, hyphens & blanks
are valid. Right justified, blank filled.
Leading zeros that are part of an
Account Number must be included.
88
96
9
Mandatory
Name of
Remitter
Produced on the
recipient’s
Account
Statement.
Alpha
Name of originator of the entry. This
may vary from Name of User.
Left justified, blank filled.
97
112
16
Mandatory
Withholding
amount
Numeric
Must be zero filled or contain a
withholding tax amount.
If it contains a withholding tax
amount, two decimal placed are
implied (e.g. $10.21 is recorded as
0000001021).
113
120
8
Optional
Batch Control Record
The Batch Control Record contains details relating to the total number of items as well as debit/credit
totals for a batch within the ABA import file.
Type Notes
Start
Position
End
Position
Length
Mandatory/
Optional
Numeric
Must be ‘7’.
1
1
1
Mandatory
Alpha
Must be ‘999-999’.
2
8
7
Mandatory
Alpha
Blank filled.
9
20
12
Optional
Page 12 of 321
Type Notes
Start
Position
End
Position
Length
Mandatory/
Optional
Amount
Numeric
Batch Credit Total Amount minus
Batch Debit Total Amount.
Right justified, zero filled, unsigned,
two decimal places are implied (e.g.
$1001.21 is stored as ‘0000100121’).
21
30
10
Mandatory
Total Amount
Numeric
Must be zero filled or contain the
total value of all Record Type 1
CREDIT transactions in the batch.
Right justified, zero filled, unsigned,
two decimal places are implied.
31
40
10
Mandatory
Total Amount
Numeric
Must be zero filled or contain the
total value of all Record Type 1
DEBIT transactions in the batch.
Right justified, zero filled, unsigned,
two decimal places are implied.
(e.g. $1001.21 is stored as
‘0000100121’).
41
50
10
Mandatory
Alpha
Blank filled.
51
74
24
Optional
Count
Numeric
Total count of Type 1 records in the
batch.
Right justified, zero filled.
75
80
6
Mandatory
Alpha
Blank filled.
81
120
40
Optional
2.5 BPAY File format (Australia only)
The file format for importing BPAY payments is the Batch Entry Method (BEM) format. This format
allows a user to submit multiple BPAY payments to one or more billers in a single file. Each payment
instruction is processed as a single batch. Only Australian domiciled accounts can be used to fund
these payments.
BPAY File Layout and Character Set
A valid BPAY file consists of the following record types:
• A File Header Record
• Payment Instruction Record(s)
• A File Trailer Record
The following character set is allowed in a BPAY file:
• Fields that are marked ‘Alpha’ (Alphanumeric) in the ‘Type’ column are limited to:
o Letters: A-Z, a-z
o Numbers: 0-9
o The following Characters: spaces ( ) , ampersands (&), apostrophes (‘), commas (,) , hyphens
(-), full stops (.), forward slashes (/), plus sign (+), dollar sign ($), exclamation mark (!),
percentage sign (%), left parenthesis ((), right parenthesis ()), asterisk (*), number sign (#),
equal sign (=), colon (:), question mark (?), left square bracket ([), right square bracket (]),
underscore (_), circumflex (^) and the at symbol (@)
Page 13 of 321
o ‘Optional’ Alphanumeric fields must be filled with spaces if no data exists
• Fields that are marked ‘Numeric’ in the ‘Type’ column are limited to:
o Numbers: 0-9
o ‘Optional’ Numeric fields must be filled with zeros if no data exists
o Unless otherwise indicated, numeric fields should be right justified and blank filled
ANZ Transactive – Global requires BPAY Import files to be prepared as 201 byte fixed length records
and must be separated by CRLF (carriage-return/line feed, Hex 0D0A). This must be consistent for the
whole file.
File Header Record
The File Header Record contains BPAY Payment header details.
Field
Description
Type
Notes
Start
Postion
End
Position
Length
Mandatory/
Optional
Record Type
Numeric
A code ‘00’ indicating the
Header record
1
2
2
Mandatory
Payer
Institution Code
Alphanumeric
The Institution Code that is
to receive the file. For
example ANZ, 114, C02,
etc.
3
5
3
Mandatory
File Creation
Date
Numeric
Format YYYYMMDD. The
local date of file creation.
6
13
8
Mandatory
File Creation
Time
Numeric
Format HHMMSS. The
local time of file creation.
14
19
6
Mandatory
File Number
Numeric
The unique file number for
the file creation date
20
22
3
Mandatory
Filler
Alpha
Spaces
23
201
179
Mandatory
Payment instruction record
The Payment Instruction record contains information usded to create the BPay payment.
Field
Description
Type Notes
Start
Position
End
Position
Length
Mandatory/
Optional
Record Type
Numeric
A code ‘50’ indicating a Payment
Instruction record
1
2
2
Mandatory
Payer
Institution Code
Alphanumeric
The Code representing the Payer
Institution. For example ANZ, 114,
C02, etc.
3
5
3
Mandatory
Payment
Account Detail
Alphanumeric
The relevant account number of
the payer (BSB and account
number), left justified with trailing
spaces.
6
25
20
Mandatory
Country of
Payment
Alpha
The ISO alphabetic country code in
which the Payer’s Account resides.
This will be the code for Australia.
26
28
3
Optional
Page 14 of 321
Field
Description
Type Notes
Start
Position
End
Position
Length
Mandatory/
Optional
State of
Payment
Alpha
The alphanumeric state in which
the Payer’s account resides, if the
country has state codes.
29
31
3
Optional
Currency Code
of Payment
Alpha
The ISO alphabetic code denoting
the currency of Payment. This
should be the code for Australian
Dollars (AUD).
32
34
3
Mandatory
Biller Code
Numeric
The CIP assigned number denoting
the Biller
35
44
10
Mandatory
Service Code
Numeric
Reserved for future use. Currently
zero filled. e.g. “0000000”
45
51
7
Mandatory
Customer
Reference
Number
Alphanumeric
The number by which the Biller
identifies the account that is being
paid. Left Justified filled with
trailing spaces. The leading non-
space part must be all numeric. .
Include leading zeroes if advised by
Biller.
52
71
20
Mandatory
Amount
Numeric
The amount of the Payment, 2
digits of cents implied
72
83
12
Mandatory
BPAY
Settlement Date
Numeric
The date is used for forward dating
files, in YYYYMMDD format. If left
blank, the date will default to the
current business day.
84
91
8
Optional
Payer Name
Alphanumeric
The name of the Batch Payer
92
131
40
Optional
Additional
Reference Code
Alphanumeric
Not required
132
151
20
Optional
Discretionary
Data
Alphanumeric
Not required
152
201
50
Optional
File Trailer Record
Field
Description
Type
Notes
Start
Postion
End
Position
Length
Mandatory/
Optional
Record Type
Numeric
A code ‘99’ indicating the
Trailer record.
1
2
2
Mandatory
Payer
Institution
Code
Alphanumeric
Same value as Header record.
3
5
3
Mandatory
File Creation
Date
Numeric
Same value as Header record.
6
13
8
Mandatory
Page 15 of 321
File Creation
Time
Numeric
Same value as Header record.
14
19
6
Mandatory
File Number
Numeric
Same value as Header record.
20
22
3
Mandatory
Number of
Payments
Numeric
The total number of Payment
Instructions in the file.
23
31
9
Mandatory
Amount of
Payments
Numeric
The total amount of Payment
Instructions in the file, 2 digits
of cents implied.
32
46
15
Mandatory
Filler
Alpha
Spaces
47
201
155
Mandatory
NOTE: Bpay file upload format can have only single header and single footer.
Error messages
Type
Validation
Validation Description
Action
Error Code
File Level
Entire File
Invalid BPAY file, where the file is
not in the specified format
- Not as per the defined file
structure
Reject File
Invalid File Format.
- Empty File
There are no records in the file.
- Unable to read the data
Invalid File Format.
Validate
header record
The batch must start with a
header record
Batch must start with a header
record.
Validate
Control record
The batch must end with a
control record
Batch must end with a control
record.
Batch Level
Validate detail
items
The batch must contain at least
one (1) valid transaction Record.
Reject batch
There are no detail records in
the batch.
Validate batch
total
The batch total (count / amount)
must match with the total of
payment instructions
Invalid batch totals.
Debit Account
Number
Debit Account Number is not
available
<Field name> is mandatory.
Product
Entitlement
Product is not entitled for the
given division / debit account
number
Product is not entitled. Contact
the ANZ Customer Service
Centre.
Payment Date
Given payment date is not a valid
date or payment date is dated
beyond the defined threshold
Pay Date is not a valid date.
Mandatory
Field
Validation
Batch Level Mandatory field is
missing
<Field name> is mandatory.
Character
Validation
Character set validation in batch
level fields
Invalid characters in <Field
Name>.
Duplicate
Payment
Duplicate payment batch
The payment is a possible
duplicate.
Page 16 of 321
Field level
Payment
Amount
Payment Amount is not available
Reject
Instruction
<Field name> is mandatory.
Biller Code
Biller Code is not available
<Field name> is mandatory.
Biller Code is invalid / not found
<Field name> is invalid.
Customer
Reference
Number
Customer Reference Number is
not available
<Field name> is mandatory.
Customer Reference Number is
invalid
<Field name> is invalid.
The instructed payment amount
is not within the specified biller's
minimum and maximum
payment amount thresholds.
Payment Amount is not within
Biller’s Threshold.
Character
Validation
Character set validation in
transaction level fields
Invalid characters in <Field
Name>.
Processing
Insufficient
Funds
Payment failed due to insufficient
funds
Reject Batch
Insufficient funds.
Pending CAD
officer
approval
Payment is moved to LMS for
CAD officer approval as the limit
exceeded
Limit exceeded pending ANZ
approval
CAD officer
rejected
Limits approval is rejected by
CAD officer
Limit authorisation is rejected.
Bank user
stopped
Payment is stopped by bank user
Payment stopped at customer‘s
request.
Technical
errors
Technical error contact ANZ
helpdesk.
Page 17 of 321
3 NZ DOMESTIC PAYMENTS FILE FORMATS
3.1 Introduction
This section details the NZ Domestic Payments import file format.
ANZ recommends the use of ISO 20022 XML Corporate to Bank systems integration. Please contact
your ANZ representive for further details. This legacy format is provided for reference where it is
currently used by customers.
3.2 Overview
The NZ Domestic Payments import file format allows a user to import a Domestic Payment as one or
more batches of payment instructions.
3.3 Host-to-Host File Naming Convention
The length of the filename - inclusive of colons and file extensions – must be no more than
22 characters in order that the whole file name is included in the reply file.
3.4 File Layout and Character Set
An NZ Domestic Payments file can contain one or more batches of payment instructions. The records
in the file to be imported must follow a defined order. Each batch must:
Start with a Descriptive Record.
Contain one or more Detail Record(s).
End with a Batch Control Record.
The format specifications for each of these record types are outlined in detail further in this document.
The following character set is allowed in an NZ Domestic Payment file:
Character fields can contain both alpha and numeric values
Numeric fields should only have digit values (0-9)
The delimiter between fields is a comma, so text fields such as Other Party Name should not
contain commas. There may optionally be a comma after the final field.
Descriptive Record
The Descriptive Record contains Domestic Payment batch header details.
The following table describes the format of the Descriptive Record:
Field
Description
Type Notes
Record
Position
Max
Length
Mandatory/
Optional
Record Type
Numeric
Must be "1"
1
1
Mandatory
Batch Type
Numeric
"D" = Debit Batch / "C" = Credit Batch
2
1
Mandatory
Payment Date
Numeric
In The Form YYYYMMDD (e.g. 20100130)
3
8
Mandatory
Payment Time
Numeric
HHMM (e.g. 1330 is 1.30pm)
4
4
Optional
Batch Creation
Date
Numeric
Value may be omitted or a YYYYMMDD
format value will be ignored
5
8
Optional
Funds Account
Numeric
In Form BBbbbbAAAAAAASS (2, 4, 7, 2).
No hyphens
6
15
Mandatory
DD Code
Numeric
Mandatory for Debit Batches
7
7
Conditional
Reporting Method
Numeric
"S" = Single / "M" = Multiple. The Multiple
Reporting Method has a threshold of 4999
transaction items. If the threshold is
8
1
Mandatory
Page 18 of 321
Field
Description
Type Notes
Record
Position
Max
Length
Mandatory/
Optional
exceeded Reporting Method will be
updated to ‘Single’ upon validation of the
file. Customers will not be notified via the
front-end.
Dishonour
Account
Numeric
In Form BBbbbbAAAAAAASS (2, 4, 7, 2).
No hyphens
9
15
Mandatory
Batch Name
Alphanumeric
The name given to the batch being
created.
Can be used to match an existing NZ
domestic payments template (including
Restricted Templates). This only applies to
payments requiring web authorisation.
10
12
Mandatory
Originator
Particulars
Alphanumeric
Reference details which are captured by
the originator.
11
12
Optional
Originator
Analysis Code
Alphanumeric
Reference details which are captured by
the originator.
12
12
Optional
Originator
Reference
Alphanumeric
Reference details which are captured by
the originator.
13
12
Optional
Reserved
-
Field reserved for future use.
14
-
Optional
Reserved
-
Field reserved for future use.
15
-
Optional
Reserved
-
Field reserved for future use.
16
-
Optional
Detail Record
One or more Detail Items can be included in a single NZ Domestic Payment batch.
The following table describes the format of the Detail Record:
Field
Description
Type Notes
Record
Position
Max
Length
Mandatory/
Optional
Record Type
Numeric
Must be "2"
1
1
Mandatory
Account Number
to be CREDITED
or DEBITED
Numeric
In Form BBbbbbAAAAAAASS (2, 4, 7, 2),
BBbbbbAAAAAAASSS (2, 4, 7, 3) or
BBbbbbAAAAAAAASSS (2, 4, 8, 3). No
hyphens
2
17
Mandatory
Transaction Code
Numeric
The transaction code for the item.
The following codes are available:
50 – Credit
52 - Credit
00 - Debit
3
2
Mandatory
Amount
Numeric
Amount must be less than or equal to
99999999.99
2 decimal places are implied (e.g. $10.21
is recorded as 1021)
4
10
Mandatory
Page 19 of 321
Field
Description
Type Notes
Record
Position
Max
Length
Mandatory/
Optional
Other Party
Name
Alphanumeric
Party Receiving Payment
5
32
Mandatory
Other Party
Particulars
Alphanumeric
Other Party Statement Details
6
12
Optional
Other Party
Analysis Code
Alphanumeric
Other Party Statement Details
7
12
Optional
Other Party
Reference
Alphanumeric
Other Party Statement Details
8
12
Optional
Originator
Particulars
Alphanumeric
Only applicable if Reporting Method is "M".
If blank, will populate with Originator
Particulars in Batch Header.
9
12
Optional
Originator
Analysis Code
Alphanumeric
Only applicable if Reporting Method is "M".
If blank, will populate with Originator
Code in Batch Header.
10
12
Optional
Originator
Reference
Alphanumeric
Only applicable if Reporting Method is "M".
If blank, will populate with Originator
Reference in Batch Header.
11
12
Optional
Reserved
-
Field reserved for future use.
12
-
Optional
Reserved
-
Field reserved for future use.
13
-
Optional
Reserved
-
Field reserved for future use.
14
-
Optional
Batch Control Record
The Control Record contains details relating to the Hash Total, the total number of items and the
debit/credit totals for a batch.
The following table describes the format of the Control Record:
Field
Description
Type Notes
Record
Position
Max
Length
Mandatory/
Optional
Record Type
Numeric
Must be "3"
1
1
Mandatory
Batch Debit Total
Amount
Numeric
Value of all Debit transactions in the
batch. 2 decimal places are implied (e.g.
$10.21 is recorded as 1021)
2
10
Mandatory
Batch Credit
Total Amount
Numeric
Value of all Credit transactions in the
batch. 2 decimal places are implied (e.g.
$10.21 is recorded as 1021)
3
10
Mandatory
Batch Total Item
Count
Numeric
Total number of Transactions in the batch
4
6
Mandatory
Hash Total
Numeric
Sum of Branch/Account Numbers.
5
11
Optional
Reserved
-
Field reserved for future use.
6
-
Optional
Reserved
-
Field reserved for future use.
7
-
Optional
Reserved
-
Field reserved for future use.
8
-
Optional
Page 20 of 321
Note:
The hash total is calculated using the branch and account numbers in each transaction record. The
bank number and account suffix are not used when calculating the hash total. If the account number
is 8 digits then the left most digit is excluded from the calculations.
Example:
01 0123 0456789 00
06 0475 0123456 02
11 6100 1234567 040
03 0321 00987654 030
7019 2802466
The hash total is therefore 70192802466.
If the hash total is more than 11 characters, exclude the characters on the left.
Page 21 of 321
4 AU AND NZ DOMESTIC PAYMENTS REPLY FILE FORMAT
4.1 Overview
At least one reply file will be received for every batch submitted. E.g. if an AU or NZ Domestic
Payments file is submitted that contains 5 batches, 5 acknowledgement files will be received. If a
batch is future dated, one acknowledgement file will be received after submission, and one
confirmation file received after processing. If the client is registered for notification of limit exceeds an
additional reply file will be received.
ANZ recommends the use of ISO 20022 XML Corporate to Bank systems integration. Please contact
your ANZ representive for further details. This legacy format is provided for reference where it is
currently used by customers.
4.2 Standard File Naming Convention
AU and NZ Domestic Payment Reply File Naming Conventions are detailed in the table below:
File Type
Naming
convention
Comments
Domestic
Payment Reply
File
DERP nnnn
The 4 digits trailing DERP is an ANZ generated sequence number. For example:
DERP0001
4.3 Domestic Payments Reply File Layout
The AU and NZ Domestic Payments Reply File consists of the following records:
Data Header Record One
Data Header Record Two
Detail Record(s)
Data Header Record One
The following table outlines the format of Data Header Record One:
Field Name Type Desciption
Start
Position
End
Position
Size
Mandatory/
Optional
Numeric
Value 0 (zero)
1
1
1
Mandatory
Reference
Numeric
ANZ supplied number. This number is
used by customer to contact
helpdesk
2
15
14
Mandatory
Alpha
Format NNN-NNN. For NZ domestic
payments, this will contain the first 7
digits of the account number.
16
22
7
Mandatory
to be Debited or
Credited
Alpha
Account Number of the account used
for funding the DE payment. For NZ
domestic payments, this will contain
the remainder of the account number
(left justified).
23
31
9
Mandatory
Processed
Numeric
The date and time batch was
processed. Format
CCYYMMDDHHMMSSHH
32
47
16
Mandatory
Page 22 of 321
Field Name Type Desciption
Start
Position
End
Position
Size
Mandatory/
Optional
Method
Alpha
For AU Domestic Payment Reply file
this field will be set to ‘N’.
For NZ domestic payments, this field
will be used for the ‘Reporting
Method’.
Possible values are:
S - single reporting method
M - multiple reporting method.
48
48
1
Mandatory
Numeric
Identification Number from the
original batch. Note that for a NZ
domestic payment, this will be the
last 6 digits of the DD Auth Code
(since the first digit is always '0').
49
54
6
Optional
Entries on File
Alpha
From the original batch. For NZ
domestic payments populate with the
Batch Name.
55
66
12
Mandatory
processed
Numeric
Date the batch is to be processed.
Format CCYYMMDD
67
74
8
Mandatory
Reference
Alpha
The originators reference comprising:
22 character file name of the
payment file sent to ANZ
75
96
22
Mandatory
Authorisation
Alpha
Y= Remote Authorisation is
Mandatory
NOT YET IMPLEMENTED
97
97
1
Mandatory
Code
Numeric
A code indicating why the batch has
failed
Zero = No Batch errors
98
101
4
Mandatory
Alpha
A description explaining why the
batch has failed
102
141
40
Optional
Data Header Record Two
The following table outlines the format of Data Header Record Two:
Field Name Type Desciption
Start
Position
End
Position
Size
Mandatory/
Optional
Numeric
Value 1 (one)
1
1
1
Mandatory
Numeric
Number of items in the batch that
passed validation
2
7
6
Mandatory
Numeric
Number of items in the batch that
failed validation
8
13
6
Mandatory
valid Items
Numeric
The total of all valid Credit items.
2 Decimal places assumed.
14
28
15
Mandatory
Page 23 of 321
Field Name Type Desciption
Start
Position
End
Position
Size
Mandatory/
Optional
valid items
Numeric
The total of all valid Debit items.
2 Decimal places assumed
29
43
15
Mandatory
failed Items
Numeric
The total of all failed Credit items.
2 Decimal places assumed.
44
58
15
Mandatory
failed items
Numeric
The total of all failed Debit items.
2 Decimal places assumed
59
73
15
Mandatory
Detail Record
The following table outlines the format of the Detail Record:
Field Name Type Desciption
Start
Position
End
Position
Size
Mandatory/
Optional
Numeric
Value 2 (two)
1
1
1
Mandatory
Number
Numeric
The sequence number of item in the
payment batch.
2
7
6
Mandatory
Alpha
From the original batch. For NZ
domestic payments, this will contain the
first 7 digits of the payee account
number.
8
14
7
Mandatory
to be debited or
credited
Alpha
From the original batch. For NZ
domestic payments, this will contain the
remainder of the payee account number
(left justified).
15
23
9
Mandatory
Alpha
Withholding Tax Indicator. From the
original batch
24
24
1
Optional
Numeric
From the original batch
25
26
2
Mandatory
Numeric
From the original batch
27
36
10
Mandatory
Page 24 of 321
Field Name Type Desciption
Start
Position
End
Position
Size
Mandatory/
Optional
Title of account
to be Credited or
Debited
Alpha
From the original batch
37
68
32
Mandatory
Lodgement
Reference
Alpha
From the original batch. For NZ
domestic payments, this will be the
Payee Particulars (12 chars) and Payee
Code (first 6 chars).
69
86
18
AU –
Mandatory
NZ – Optional
Trace BSB
Number
Numeric
From the original batch. For NZ
domestic payments, this will be the
dishonours account, and will contain the
first 7 digits of the dishonours account
number.
87
93
7
Mandatory
Trace Account
Number
Alpha
From the original batch. For NZ
domestic payments, this will be the
dishonours account, and will contain the
remainder of the dishonours account
number (left justified).
94
102
9
Mandatory
Name of
Remitter
Alpha
From the original batch. For NZ
domestic batches, this will be the Payee
Code (last 6 chars) and Payee
Reference (first 10 chars).
103
118
16
AU –
Mandatory
NZ – Optional
Withholding Tax
Numeric
From the original batch. Not relevant
for NZ domestic payments.
119
126
8
Optional
Numeric
A code indicating why the item has
failed
Zero = No Error.
127
130
4
Mandatory
Alpha
A description explaining why the item
has failed, if the status code is not zero.
131
170
40
Optional
4.4 Failure Codes and Reasons
This list covers both AU Direct Entry payments and NZ Domestic payments.
Depending on where the error occurs in your file, you will receive different failure status codes and
reasons.
These failure codes are broken into two categories:
Batch level (i.e. Invalid batch totals, possible duplicate batch, insufficient funds etc.)
Item level (i.e. Invalid transaction code for a payee, invalid account number for a payee etc.)
Note, that where an error message is more than 40 characters long, this error will be truncated to 40
characters in the Reply File.
The following table outlines batch level status codes and descriptions:
Status Code Status Description
Applicable to AU
Funded Domestic
Payments
Applicable to NZ
Funded Domestic
Payments
Technical error contact ANZ helpdesk.
X
Page 25 of 321
Status Code Status Description
Applicable to AU
Funded Domestic
Payments
Applicable to NZ
Funded Domestic
Payments
0105
Batch name is mandatory.
X
X
0106
Invalid characters in <Field Name>.
X
X
0111
No funding account detected in the batch. A
default value has been selected.
X
0210
Invalid length of <Field Name>.
X
0500
There are no records in the file.
X
X
0501
Number of batch records exceeded.
X
0503
Number of detail records exceeded.
X
X
0505
Batch must start with a header record.
X
X
0506
Batch must end with a control record.
X
X
1001
Limit Authorisation is rejected
X
X
1014
Pay Date is not a valid date.
Pay date must not be in the past.
X
X
1015
Pay date is not a valide business date.
X
1016
Time is past cut-off
X
1017
account not entitled.
X
1023
There are no detail records in the batch.
X
X
1024
Invalid batch totals.
X
X
1028
The batch header is a possible duplicate.
X
X
1033
Limit exceeded pending ANZ approval X X
2010
Remitter name is mandatory.
X
2102
Payment stopped at customer’s request.
X
X
2940
Insufficient Funds.
X
2943
Division is invalid. Contact ANZ Customer Service
Centre
X X
2944
Product is not entitled. Contact ANZ Customer
Service Centre
X X
2945
Payment cannot be processed using DE. X
2946
DE User ID is invalid. X
Page 26 of 321
Status Code Status Description
Applicable to AU
Funded Domestic
Payments
Applicable to NZ
Funded Domestic
Payments
2947
Debit Method invalid for funds account. X X
3001
Invalid file format. X
3004
Invalid Account Check Total X
3010
Funds account is mandatory. X
3011
Funds account is not valid. X
3012
Funds account is not entitled X
3020
DD Code is mandatory X
3021
DD Code is invalid X
3022
DD Code is not entitled X
3023
Invalid DD code and funds account pair X
3030
Dishonours account is mandatory. X
3031
Dishonours account is invalid. X
3032
Dishonours account is not entitled. X
3041
Reporting method is mandatory. X
3042
Reporting method is not valid. X
3050
Batch type is mandatory. X
3051
Batch type is not valid X
3060
Invalid batch due time format. X
3061
Invalid batch due time. X
3062
Batch due date is mandatory. X
3063
Invalid batch due date format. X
3070
Pay dayte is more than <number of days> days
from today.
X
3080
Originator particulars is invalid. X
3081
Originator code is invalid. X
3082
Originator reference is invalid. X
Page 27 of 321
The following table outlines item level status codes and descriptions:
Status Code Status Description
Applicable to AU
Funded Domestic
Payments
Applicable to NZ
Funded Domestic
Payments
0106
Invalid characters in <Field Name>. X X
0210
Invalid length of <Field Name>.
X
0211
Payee account is mandatory. X
0226
Trace BSB number is invalid. X
2000
BSB is mandatory.
Invalid ANZ Payee Account BSB.
Invalid BSB. BSB must be 6 digits.
X
2001
Invalid payee account number.
X
2003
Invalid transaction code.
X
2007
Payee name is mandatory.
X
2008
Lodgement reference is mandatory.
X
2009
Trace account is invalid.
X
2010
Remitter name is mandatory.
X
2101
Deleted.
X
X
2103
Held.
X
X
2104
Zero dollar.
X
2941
Payment amount is invalid.
X
2942
Withholding tax indicator is invalid.
X
3005
Invalid <Field Name>.
X
3006
<Field Name> is mandatory.
X
3090
Other Party Name is mandatory.
X
3091
Other party particulars is invalid.
X
3092
Other party code is invalid.
X
3093
Other party reference is invalid.
X
3094
Amount must be less than 100,000,000.00.
X
5 CHINA DOMESTIC PAYMENTS FILE FORMATS
ANZ recommends the use of ISO 20022 XML Corporate to Bank systems integration. Please contact
your ANZ representive for further details. This legacy format is provided for reference where it is
currently used by customers. This format may be used where Transactive file upload is required in
conjunction with Fileactive or as BCP.
This section details the file formats that can be used for China payments:
• Fixed-Length Payment File
Page 28 of 321
5.1 Fixed-Length Payment File
General Specifications:
• File extension is: *.txt or Unicode txt
• File naming is at your discretion
• Length of file name should not exceed 100 characters
• One record occupies one line
• Record/Lines must be separated by CrLf (Carriage return Line feed, HEX 0D0A)
• Amounts should not have comma or any universal currency symbol e.g., $ £ €, etc.,
• All fields to be left adjusted
• No spaces at the end of a field
• Local language (Simplified Chinese) will be supported only for domestic non cross-border
transactions
• For cross-border / TT payments, valid character set is as below:
o a b c d e f g h i j k l m n o p q r s t u v w x y z
o A B C D E F G H I J K L M N O P Q R S T U V W X Y Z
o 0 1 2 3 4 5 6 7 8 9
o / - ? : ( ) . , ' + { }
o CR LF Space
Key - Type:
• A - Alphanumeric
• D - Date
• N - Numeric
• M - Mandatory
• O - Optional
• C - Conditional
• N/A - Not Applicable
Notes:
• Any field marked M, must be present in the file
• Any field marked C, is conditional and may be required based on the payment method used
• Batches containing mixed payment types will be split into domestic and international payment
batches
Header Detail Record
The Header Detail record detail must appear at the beginning of the file and contains common data
applicable to each individual payment contained in the batch.
One single header record only should be present in the file.
No.
Field Name
Start
Postion
Length
Data
type
M/O/C
Local
Langugage
support
Description/Notes
1
Record Type
1
3
Char
M
No
Indicator to identify record type. Always
‘HDR’.
2
Debit Account
4
30
Char
M
No
Ordering customer debit account
number. Applies to all transactions in the
file
3
Requested
Execution Date
34
10
Date
O
No
DD/MM/YYYY
4
Payment
Currency
44
3
Char
M
No
Payment currency – ISO CCY code
5
Payment Method
47
4
Char
O
No
• Use ‘ACH’ for domestic CNY
payments =<50,000
• Use ‘RTGS’ for domestic CNY
payments >50,000. (CNY payments
Page 29 of 321
No.
Field Name
Start
Postion
Length
Data
type
M/O/C
Local
Langugage
support
Description/Notes
to HK and MU are considered
domestic payments)
• Use ‘BKT’ for transfers in any
currency to other ANZ accounts in
China
Use ‘CBFT’ for all cross border payments
and domestic foreign currency payments
to non ANZ accounts
6
File Reference /
Batch Reference
51
35
Char
M
Yes
• Customer’s internal reference for the
payment file
7
Salary Payment
Indicator
86
1
Char
O
No
‘Y’ or ‘N’.
• If field is left blank it would be
defaulted to N. A single consolidated
debit will be performed for all
domestic ACH, RTGS and BKT (CNY)
transactions for salary payment files.
8
Bulk Debit /
Individual Debit
87
1
Char
O
No
‘Y’ or ‘N’.
Flag to indicate if individual debits per
credit entry are required. Defaults to N
if Salary Payment Indicator is N.
Defaults to Y if Salary Payment
Indicator is Y and cannot be changed
to N.
9
Deal Reference
Number(s)
88
35
Char
O
No
Please provide FX Deal Number if the
file contains cross currency payments.
Only one FX Deal can be provided for
all payments in this batch.
Page 30 of 321
Payment Detail Record
The Payment Detail records should appear after the header and contain data pertaining to
each individual payment in the batch.
It is recommended that the number of payment detail records in any one batch should not
exceed 3,000 records (i.e. 3,000 transactions) or 5MB.
No.
Field Name
Start
Postion
Length
Data
type
M/O/C
Local
Langugage
support
Description/Notes
1
Record Type
1
3
Char
M
No
Indicator to identify record type.
Payment record type fixed ‘PAY’
2
Payment
Amount
4
15,3
Number
M
No
Payment Amount in Payment Currency
provided in the Header Record. Provide
decimal point if applicable.
3
Customer
Reference
23
16
Char
C
Yes
Unique Payment Reference number. If
blank, file reference from header record
will be used.
4
Beneficiary Code
43
15
Char
O
No
Beneficiary Code previously saved in
the system (if available). If provided,
system will ignore all the beneficiary
details provided in Field 5 to Field 21,
Field 32 to Field 39 and Field 47 of the
detail band. It will retrieve the details
saved on the registered Client
Beneficiary Code stored in the system.
5
Beneficiary
Name
58
60
Char
C
Yes
Name of the Beneficiary. For CBFT
payments, valid SWIFT characters must
be used and field length must not
exceed 35 characters (excess
characters will be truncated). Local
language characters are accepted for all
other payment types.
6
Beneficiary
Account Number
178
34
Char
C
No
Mandatory for all payment methods
7
Beneficiary
Address Line 1
212
35
Char
C
Yes
Mandatory for CBFT payments. Multi-
lingual characters are allowed for all
payment types except CBFT
8
Beneficiary
Address Line 2
247
35
Char
C
Yes
Multi-lingual characters accepted for all
payment types except CBFT
9
Beneficiary
Address Line 3
282
35
Char
C
Yes
Multi-lingual characters accepted for all
payment types except CBFT
10
Beneficiary
Address City /
Suburb
317
35
Char
C
Yes
Beneficiary city / suburb detail is
mandatory for CBFT payments
11
Beneficiary
Country Code
352
2
Char
C
No
ISO country code of the beneficiary.
This is mandatory for CBFT payments
and payments requiring Balance Of
Payment (BOP) information.
12
Beneficiary Fax
No
354
15
Char
O
No
System will ignore this field
13
Beneficiary
Email Address
369
255
Char
O
No
If populated, payment advice will be
sent to this email address.
Multiple addresses can be separated by
a comma (no spaces)
Page 31 of 321
No.
Field Name
Start
Postion
Length
Data
type
M/O/C
Local
Langugage
support
Description/Notes
14
Beneficiary Bank
Code/SWIFT BIC
624
35
Char
C
No
Use CNAPS code for ACH, RTGS and
ANZ Transfers. Use SWIFT BIC for CBFT
payments
15
Beneficiary Bank
Name
659
35
Char
C
Yes
Only used if Beneficiary Bank
Code/SWIFT BIC field is blank
16
Beneficiary Bank
Branch Name
694
35
Char
C
Yes
Only used if Beneficiary Code and
Beneficiary Bank Code/SWIFT BIC field
are blank
17
Beneficiary Bank
Address Line 1
729
35
Char
O
Yes
18
Beneficiary Bank
Address Line 2
764
35
Char
O
Yes
19
Beneficiary Bank
City
799
31
Char
O
Yes
20
Beneficiary Bank
Province
830
8
Char
O
Yes
21
Beneficiary Bank
Country
838
2
Char
O
No
22
TT Charges
Borne By
840
3
Char
C
No
Required for cross border/TT payments
only.
• ‘OUR’ = ANZ charges and other bank
charges will be borne by sender
• ‘BEN’ = ANZ charges and other bank
charges will be borne by beneficiary
• ‘SHA’ = ANZ charges will be borne by
sender, other bank charges will be
borne by beneficiary
If left blank, system will use 'OUR' as
default
23
Payable Location
843
20
Char
C
No
N/A (Not applicable for electronic
payments)
24
Print Location
863
20
Char
C
No
N/A
25
Delivery Method
883
2
Char
C
No
N/A
26
Mailing Address
Line 1
885
35
Char
O
No
N/A
27
Mailing Address
Line 2
920
35
Char
O
No
N/A
28
Mailing Address
Line 3
955
35
Char
O
No
N/A
29
Mailing Address
Line 4
990
35
Char
O
No
N/A
30
Instruction
Number
1025
10
Number
O
No
N/A
31
Details of
Payment /
Remittance
Information
1035
140
Char
O
Yes
Multi-lingual characters accepted for all
payment types except CBFT
Page 32 of 321
No.
Field Name
Start
Postion
Length
Data
type
M/O/C
Local
Langugage
support
Description/Notes
32
Intermediary
Bank
Code/SWIFT
1175
35
Char
O
No
N/A
33
Intermediary
Bank Name
1210
35
Char
O
No
N/A
34
Intermediary
Bank Branch
1245
35
Char
O
No
N/A
35
Intermediary
Bank Address 1
1280
35
Char
O
No
N/A
36
Intermediary
Bank Address 2
1315
35
Char
O
No
N/A
37
Intermediary
Bank City
1350
31
Char
O
No
N/A
38
Intermediary
Bank Province
1381
8
Char
O
No
N/A
39
Intermediary
Bank Country
1389
2
Char
O
No
N/A
40
Central Bank
Reporting Line 1
1391
35
Char
O
No
N/A
41
Central Bank
Reporting Line 2
1426
35
Char
O
No
N/A
42
Central Bank
Reporting Line 3
1461
35
Char
O
No
N/A
43
Reporting Code
1
1496
3
Char
O
No
N/A
44
Reporting Code
2
1499
3
Char
O
No
N/A
45
Use FX Deal
1502
35
Char
O
No
Value provided in the file will be
ignored. If the Header record has an FX
Deal, system will default to ‘Y’. If FX
Deal field in the Header is blank,
system will default to ‘N’
46
FX Deal
Reference
Number
1537
35
Char
O
No
One per payment record
47
Beneficiary Type
1572
35
Char
O
No
Mandatory for payments from China. If
blank, payment will be stopped for
repair. Possible values:
‘Y’ - Individual, Resident
‘N’ - Individual, Non - Resident
‘R’ - Corporate, Resident
‘H’ - Corporate, Non Resident
48
Purpose Code
1607
35
Char
O
No
Mandatory for any payments involving
non-resident parties and all CBFT
payments. Refer to Purpose Codes.
49
Purpose Code
Description
1642
35
Char
O
Yes
Leave blank. System will derive based
on Purpose Code in the previous field.
Page 33 of 321
No.
Field Name
Start
Postion
Length
Data
type
M/O/C
Local
Langugage
support
Description/Notes
50
User Defined
Field 6
1677
35
Char
O
No
N/A
51
User Defined
Field 7
1712
35
Char
O
No
N/A
52
User Defined
Field 8
1747
35
Char
O
No
N/A
53
User Defined
Field 9
1782
35
Char
O
No
N/A
54
User Defined
Field 10
1817
35
Char
O
No
N/A
Enrichment Detail Record
The Enrichment Detail record is currently not in use, however can be used in the future to capture
enrichment information about each individual payment. Enrichment detail will be added onto the
beneficiary advices.
This record must always follow a payment detail record and there can be a maximum of 100 ‘INV’
record lines per payment detail record.
No.
Field Name
Start
Postion
Length
Data
type
M/O/C
Local
Langugage
support
Description/Notes
1
Record type
1
3
Char
O
No
Indicator to identify record type. ‘INV’
2
Enrichment
Value
4
80
Char
O
Yes
N/A – for future use. Information will be
added to the beneficiary advices.
Additional Details Record
The Additional Details record is used to capture mandatory Balance of Payment (BOP) information
required for payments to/from residents in China. Its use is conditional based on the following:
• BOP information is not required for domestic ACH (BEPS) or domestic RTGS (HVPS) payments
• BOP Information is required where:
o Beneficiary Country is not China or,
o Beneficiary Country is China and beneficiary is a non-resident or,
o Beneficiary is China domiciled but Payment currency is foreign currency
• If you are a Non-Resident customer, you may leave all BOP fields blank except Unit Code
Refer to BOP Codes for full list of BOP Codes and descriptions.
This record must always follow a payment detail record (or enrichment detail record if available) and
there can be a maximum of 1 ‘BOP’ record lines per payment detail record.
No.
Field Name
Start
Postion
Length
Data
type
M/O/C
Local
Langugage
support
Description/Notes
1
Record type
1
3
Char
O
No
Indicator to identify record type. ‘BOP’
2
Unit Code
对公组织机构代码
1
9
Char
C
Yes
Provide the Unit Code of your
organisation (9-digit). Provide
‘000000000’ if you do not know your
Unit Code.
Page 34 of 321
No.
Field Name
Start
Postion
Length
Data
type
M/O/C
Local
Langugage
support
Description/Notes
3
Payment Nature
付汇性质
1
40
Char
C
Yes
Provide either code or description,
based on your declaration document.
For Non-Resident customers, system
will default it to ‘006’ -其他".
Possible values:
• ‘001’ - 保税区
• ‘002’ - 出口加工
• ‘003’ - 钻石交易所
• ‘004’ - 其他特殊经济区域
• ‘005’ - 深加工结转
‘006’ -
其他
4
BOP Transaction
Code 1 交易编码
1
1
6
Char
C
Yes
Refer to BOP Codes. System will default
it to '822030' for non-resident
customers
5
BOP Transaction
Description
1
交易附言
1
1
40
Char
C
Yes
Provide description only if it is different
from the standard description of the
code as per BOP Codes
6
BOP Transaction
Code 2 交易编码
2
1
6
Char
O
Yes
Refer to BOP Codes
7
BOP Transaction
Description 2
交易附言
2
1
40
Char
O
Yes
Provide description only if it is different
from the standard description of the
code as per BOP Codes
8
BOP Amount 1
金额 1
1
20
Number
C
No
Amount as per BOP Transaction Code 1.
Must be in the same currency as the
payment amount.
If blank, system will default it to
Payment Amount.
9
BOP Amount 2
金额 2
1
20
Number
O
No
Amount as per BOP Transaction Code 2.
Must be in the same currency as the
payment amount.
If both BOP Amount 1 & BOP Amount 2
are provided, sum of both amounts
must be equal to Payment Amount. If
this doesn't match, payment will be
stopped for repair.
10
Tax Free Goods
本笔款项是否为保
税货物项下付款
1
3
Char
C
Yes
Provide appropriate code:
• ‘020’ - 是
• ‘021’ - 否
Either code can be used if the 6 digit
'BOP Transaction Code 1' begins with
"1".If the 6 digit 'BOP Transaction Code
1' does not begin with "1", only ‘021’ -
否 is applicable.
"021” - 否 will default for non-resident
customers.
11
Payment
Category
本笔款项请选择
1
40
Char
C
Yes
Provide appropriate code:
• Use ‘050’ - 预付货款 Advance Payment
or ‘051’ - 货到付款 Payment Against
Delivery, if BOP Transaction Code1
starts with "1"
• Use ‘052’ - 退款 Refund, for refunds
• Use ‘053’ - 其他 others, if BOP
Transaction Code 1 does not start
with "1".
Page 35 of 321
No.
Field Name
Start
Postion
Length
Data
type
M/O/C
Local
Langugage
support
Description/Notes
"053” -
其他
Others, will default for non-
resident customers.
12
Contract
Number
合同号
1
40
Char
C
Yes
Sales contract number, if applicable
13
Invoice Number
发票号
1
40
Char
C
Yes
Invoice Number, if applicable
14
Safe Batch/
Registration
Number 外汇局批
件号/备案表号/业
务编号
1
40
Char
C
Yes
Provide the 20 digit Safe Batch/
Registration Number or N/A if not
applicable.
This is mandatory for resident-
customers if the ‘BOP Transaction Code
1’ starts with "6", "7", "8", or "9".
15
BOP Reporting
Type 国际收支申
报类型
1
20
Char
C
Yes
Provide relevant code based on BOP
Reporting Type:
• ‘070’ - BOP OVERSEAS (境外汇款)
• ‘071’ - BOP DOMESTIC (境内汇款)
• ‘072’ - BOP NOT REQUIRED (无需国际
收支申报)
System will default it to "070” - BOP
OVERSEAS (境外汇款) for non-resident
customers.
Page 36 of 321
5.2 ISO XML Payment File
The XML Payment file is comprised of 3 Message Building Blocks.
A. GroupHeader: A set of common characteristics shared by all individual transactions included in the
message.
B. PaymentInformation: Set of characteristics that apply to the debit side of the payment
transactions included in the payment file.
C. SupplementaryData: Additional information that cannot be captured in the structured elements
and/or any other specific block. This is used to capture mandatory BOP information for payments
in China.
General Specifications:
• File extension is: xml
• File naming is at your discretion.
• Length of file name should not exceed 100 characters.
• Maximum file size is 5MB
• Amounts should not have comma or any universal currency symbol e.g., $ £ €, etc.,
• Local language (Simplified Chinese) will be supported only for domestic non cross-border
transactions
• For cross-border / TT payments, valid character set is as below:
o a b c d e f g h i j k l m n o p q r s t u v w x y z
o A B C D E F G H I J K L M N O P Q R S T U V W X Y Z
o 0 1 2 3 4 5 6 7 8 9
o / - ? : ( ) . , ' + { }
o CR LF Space
Key - Type:
• A - Alpha
• D - Date
• N - Numeric
• M - Mandatory
• O - Optional
• C - Conditional
• N/A - Not Applicable
Notes:
• Any field marked M, must be present in the file
• Any field marked C, is conditional and may be required based on the payment method used.
• Batches containing mixed payment types will be split into domestic and international payment
batches
Group Header
Message Element XML Tag
Structural
Sequence
Number
Mult.
Data
type
M/O/C
Local
Language
Support
Max
Lencth
Comments
GroupHeader
<GrpHdr>
01
[1..1]
Parent Tag
NumberOfTransactions
<NbOfTxs>
01.04
[1..1]
Text
M
N
15
Total Number of
Transactions
ControlSum
<CtrlSum>
01.05
[0..1]
Quantity
O
N
13,2
Total payment
Amount
InitiatingParty
<InitgPty>
01.06
[1..1]
Parent Tag
Identification
<Id>
01.06.03
[0..1]
Parent Tag
OrganisationIdentification
<OrgId>
01.06.03.01
[1..1]
Parent Tag
Other
<Othr>
01.06.03.01.02
[0..n]
Parent Tag
Page 37 of 321
Message Element XML Tag
Structural
Sequence
Number
Mult.
Data
type
M/O/C
Local
Language
Support
Max
Lencth
Comments
Identification
<Id>
01.06.03.01.02.01
[1..1]
Text
O
N
10
Division Id
Page 38 of 321
Payment Information
Message Element XML Tag
Structural
Sequence
Number
Mult.
Data
type
M/O/C
Local
Language
Support
Max
Lencth
Comments
PaymentInformation
<PmtInf>
02
[1..n]
Parent Tag
PaymentInformationIdentification
<PmtInfId>
02.01
[1..1]
Text
M
Y
16
Batch Reference
PaymentMethod
<PmtMtd>
02.02
[1..1]
Code
M
N
3
Payment Method must always be populated as ‘TRF’
BatchBooking
<BtchBookg>
02.03
[0..1]
Indicator
O
N
5
• ‘TRUE’ indicates Bulk Debit
• ‘FALSE’ indicates Itemised Debit
NumberOfTransactions
<NbOfTxs>
02.04
[0..1]
Text
O
N
15
• No.Of.Txns
ControlSum
<CtrlSum>
02.05
[0..1]
Quantity
O
N
13,2
• Must be the arithmetic sum of all payment transaction amounts in the
batch, ignoring currency
PaymentTypeInformation
<PmtTpInf>
02.06
[0..1]
• Parent Tag
InstructionPriority
<InstrPrty>
02.06.01
[0..1]
Code
O
N
4
• ‘HIGH’ indicates HVPS
• ‘NORM’ indicates BEPS payment
LocalInstrument
<LclInstrm>
02.06.03
[0..1]
• Parent Tag
Code
<Cd>
02.06.03.01
[1..1]
Code
O
N
5
If Code is provided, Instruction Priority will be ignored by the system.
Use Code descriptions:
• ‘BKT’ = Book Transfer or Own Account Transfer
• ‘ACH’ = BEPS
• ‘RTGS’ = HVPS / CBHVPS
• ‘TT’ = Telegraphic Transfer
• CBFT
CategoryPurpose
<CtgyPurp>
02.06.04
[0..1]
Parent Tag
Code
<Cd>
02.06.04.01
[1..1]
Code
O
N
4
‘SALA’ indicates salary Payments & ‘OTHR’ indicates non-salary
payments. If this is not provided, system will treat it as OTHR.
RequestedExecutionDate
<ReqdExctnDt>
02.07
[1..1]
Date
Time
M
N
10
Value Date
Page 39 of 321
Message Element XML Tag
Structural
Sequence
Number
Mult.
Data
type
M/O/C
Local
Language
Support
Max
Lencth
Comments
Debtor
<Dbtr>
02.09
[1..1]
M
Parent Tag
DebtorAccount
<DbtrAcct>
02.10
[1..1]
Parent Tag
Identification
<Id>
02.10.01
[1..1]
Parent Tag
Other
<Othr>
02.10.01.02
[1..1]
Parent Tag
Identification
<Id>
02.10.01.02.
01
[1..1]
Text
M
N
20
Debit Account Number
Type
<Tp>
02.10.02
[0..1]
Parent Tag
Currency
<Ccy>
02.10.03
[0..1]
Code
O
N
3
Debit Account Currency in ISO Currency Code
DebtorAgent
<DbtrAgt>
02.11
[1..1]
Parent Tag
InstructionForDebtorAgent
<InstrForDbtrAgt
>
02.13
[0..1]
Text
O
Y
140
Provide the debit description
CreditTransferTransactionInformation
<CdtTrfTxInf>
02.18
[1..n]
Parent Tag
PaymentIdentification
<PmtId>
02.18.01
[1..1]
Parent Tag
EndToEndIdentification
<EndToEndId>
02.18.01.02
[1..1]
Text
M
Y
16
Customer Reference
Amount
<Amt>
02.18.03
[1..1]
Parent Tag
InstructedAmount
<InstdAmt
Ccy="AAA">
02.18.03.01
1..1]
Amount
C
N
13,2
Payment Amount.
Either Payment Amount or Debit Amount must be provided but not both.
System will calculate the other amount based on the exchange rate for
cross currency payments.
EquivalentAmount
<EqvtAmt>
02.18.03.02
1..1]
Parent Tag
Amount
<Amt
Ccy="AAA">
02.18.03.02.
01
[1..1]
Amount
C
N
13,2
Debit Amount. Either Payment Amount or Debit Amount must be
provided but not both. System will calculate the other amount based on
the exchange rate for cross currency payments.
Page 40 of 321
Message Element XML Tag
Structural
Sequence
Number
Mult.
Data
type
M/O/C
Local
Language
Support
Max
Lencth
Comments
CurrencyOfTransfer
<CcyOfTrf>
02.18.03.02.
02
[1..1]
Code
C
N
3
Payment Currency in ISO Currency Code
ExchangeRateInformation
<XchgRateInf>
02.18.04
[0..1]
Parent Tag
RateType
<RateTp>
02.18.04.03
[0..1]
Code
O
N
4
FX Rate Type:
• ‘SPOT’/’SALE’ - Carded Rate
• ‘AGRD’ - Deal Rate
Note carded rate may not be available for some currency pairs.
ContractIdentification
<CtrctId>
02.18.04.04
[0..1]
Text
C
N
35
FX Deal Reference.
Provide valid FX Deal ID if FX Rate Type is D. Only one Deal ID can be
provided per payment.
ChargeBearer
<ChrgBr>
02.18.05
[0..1]
Code
C
N
4
Select the Appropriate code:
• ‘DEBT’= Borne By Debtor (OUR)
• ‘CRED’ = Borne By Creditor (BEN)
• ‘SHAR’ = Shared (SHA)
Applicable to TT and CBHVPS
If blank for TT payment, it will be defaulted to OUR.
CreditorAgent
<CdtrAgt>
02.18.14
[0..1]
Parent Tag
FinancialInstitutionIdentification
<FinInstnId>
02.18.14.01
[1..1]
Parent Tag
BICFI
<BICFI>
02.18.14.01.
01
[0..1]
Identifier
C
N
11
Beneficiary Bank Swift BIC. Applies to TT Payment types. If this field is
Blank for TT payments, you must provide NCC Type and NCC
ClearingSystemMemberIdentification
<ClrSysMmbId>
02.18.14.01.
02
[0..1]
Parent Tag
ClearingSystemIdentification
<ClrSysId>
02.18.14.01.
02.01
[0..1]
Parent Tag
Code
<Cd>
02.18.14.01.
02.01.01
[1..1]
Code
C
N
5
National Clearing Code (NCC) Type. Applies to TT Payment types. If
BICFI tag is blank you must populate this tag.
Currently system supports only the following NCC Types:
• ‘USABA’ - US Fedwire FW
Page 41 of 321
Message Element XML Tag
Structural
Sequence
Number
Mult.
Data
type
M/O/C
Local
Language
Support
Max
Lencth
Comments
• 'AUBSB’ - Australian Bank Branch Code (BSB) AU
• ‘GBDSC’ - UK Domestic Sort Code SC
• ‘ZANCC’ - South African National Clearing Code ZA
• ‘NZNCC’ - New Zealand National Clearing Code NZ
‘CACPA’ - Canadian Payments Clearing Code CC
MemberIdentification
<MmbId>
02.18.14.01.
02.02
[1..1]
Text
C
N
11
National Clearing Code.
This is required if NCC Type is provided. Please provide a valid National
clearing code.
If the given NCC Code is invalid or not found in the NCC Bank Library,
the transaction will stop for repair.
Name
<Nm>
02.18.14.01.
03
[0..1]
Text
C
Y
100
Beneficiary Bank Name. Only used if beneficiary code and beneficiary
bank code are not provided. If you do not know the beneficiary bank
code / swift BIC of the beneficiary bank account, please provide the bank
branch name here.
System will attempt to find a match. It is recommended to provide the
appropriate bene bank code to avoid delays in processing.
PostalAddress
<PstlAdr>
02.18.14.01.
04
[0..1]
Parent Tag
Country
<Ctry>
02.18.14.01.
04.09
[0..1]
Code
C
N
2
Beneficiary Bank Country. ISO Country Code.
BranchIdentification
<BrnchId>
02.18.14.02
[0..1]
Parent Tag
Identification
<Id>
02.18.14.02.
01
[0..1]
Text
C
N
15
Local Clearing Code. For domestic payments and cross border HVPS
payments, please provide CNAPS participating code of the beneficiary
bank branch
Name
<Nm>
02.18.14.02.
02
[0..1]
Text
C
Y
100
Beneficiary Branch Name. Only used if beneficiary code and beneficiary
bank code are not provided. If you do not know the CNAPS code of the
beneficiary bank branch, please provide the bank branch name here.
System will attempt to find a match. It is recommended to provide the
appropriate bene account branch CNAPS code to avoid delays in
processing.
Page 42 of 321
Message Element XML Tag
Structural
Sequence
Number
Mult.
Data
type
M/O/C
Local
Language
Support
Max
Lencth
Comments
PostalAddress
<PstlAdr>
02.18.14.02.
03
[0..1]
Parent Tag
AddressLine
<AdrLine>
02.18.14.02.
03.10
[0..7]
Text
O
Y
140
Beneficiary Branch Address. Only used if beneficiary code as well as
beneficiary bank code are not provided.
If you do not know the beneficiary bank code / swift BIC of the
beneficiary bank account, please provide the bank branch address here.
It will be used to identify the appropriate bank code to route the
payments in exception cases.
Providing accurate beneficiary bank code will speed up the processing of
the payment.
Name
<Nm>
02.18.16.01
[0..1]
Text
M
Y
140
Beneficiary Name. You may provide local language name for domestic
CNAPS payments
PostalAddress
<PstlAdr>
02.18.16.02
[0..1]
Parent Tag
CountrySubDivision
<CtrySubDvsn>
02.18.16.02.
08
[0..1]
Text
C
N
35
Beneficiary City.
Mandatory for cross border and for non-CNY payments.
Please provide the city or suburb name of the beneficiary location
Country
<Ctry>
02.18.16.02.
09
[0..1]
Code
C
N
2
Beneficiary Country.
Mandatory for cross border and for non-CNY payments. Please provide 2
character ISO country code of the beneficiary customer.
AddressLine
<AdrLine>
02.18.16.02.
10
[0..7]
Text
C
N
70
Please provide Beneficiary address, excluding city and country.
Identification
<Id>
02.18.16.03.
02.02.01
[1..1]
Text
O
N
Beneficiary Code. If you are maintaining registered beneficiary list in the
system, you may provide the beneficiary code of the registered
beneficiary.
If provided, system will ignore all the beneficiary details and beneficiary
bank details provided in the file. It will retrieve the details from the
registered beneficiary stored in the system.
Page 43 of 321
Message Element XML Tag
Structural
Sequence
Number
Mult.
Data
type
M/O/C
Local
Language
Support
Max
Lencth
Comments
Please note that if beneficiary code is provided, system will not use any
of the beneficiary fields from the file, even if they are blank in the
registered beneficiary record with the bank.
ContactDetails
<CtctDtls>
02.18.16.05
[0..1]
Parent Tag
EmailAddress
<EmailAdr>
02.18.16.05.
06
[0..1]
Text
O
N
255
Beneficiary Email address.
If provided, Payment Advice will be sent to this email address. More than
one email id separated by commas can be provided, subject to max
length of the field.
CreditorAccount
<CdtrAcct>
02.18.17
[0..1]
Parent Tag
Identification
<Id>
02.18.17.01
[1..1]
Parent Tag
Other
<Othr>
02.18.17.01.
02
[1..1]
Parent Tag
Identification
<Id>
02.18.17.01.
02.01
[1..1]
Text
M
N
34
Beneficiary Account Number
Code
<Cd>
02.18.17.02.
01
[1..1]
Code
M
N
1
Specify Beneficiary Type using one of the codes:
• ‘Y’-Individual Resident
• ‘N’-Individual Non-Resident
• ‘R’-Corporate Resident
• ‘H’-Corporate Non Resident
If Blank, payment will be stopped for repair.
InstructionForCreditorAgent
<InstrForCdtrAgt
>
02.18.19
[0..n]
Parent Tag
InstructionForDebtorAgent
<InstrForDbtrAgt
>
02.18.20
[0..1]
Text
O
Y
140
Debit Description. This will be displayed in the Debit Advice and
payments reports.
Purpose
<Purp>
02.18.21
[0..1]
Parent Tag
Code
<Cd>
02.18.21.01
[1..1]
Code
C
N
5
Provide appropriate purpose code.
Page 44 of 321
Message Element XML Tag
Structural
Sequence
Number
Mult.
Data
type
M/O/C
Local
Language
Support
Max
Lencth
Comments
Required if Payment type is BEPS, HVPS or CBHVPS. If blank, will default
to ‘02103-Online Payment’ and will be moved to repair if CBHVPS.
Refer to Purpose Codes
RemittanceInformation
<RmtInf>
02.18.25
[0..1]
Parent Tag
Unstructured
<Ustrd>
02.18.25.01
[0..n]
Text
O
Y
140
Remittance Information
AdditionalRemittanceInformation
<AddtlRmtInf>
02.18.25.02.
08
[0..3]
Text
O
Y
140
Payment Remarks
Page 45 of 321
Supplementary Data
The Supplementary Data record is used to capture mandatory Balance of Payment (BOP) information required for payments to/from residents in China. Its use is
conditional based on the following:
• BOP information is not required for domestic ACH (BEPS) or RTGS (HVPS) payments.
• BOP Information is required where:
o Beneficiary Country is not China or,
o Beneficiary Country is China and beneficiary is a non-resident or,
o Beneficiary is China domiciled but Payment currency is foreign currency
• If you are a Non-Resident customer, you may leave all BOP fields blank except Unit Code
Refer to BOP Codes for full list of BOP Codes and descriptions.
Supplementary Data Record
Message Element XML Tag
Structural
Sequence
Number
Mult.
Data
type
M/O/C
Local
Language
Support
Max
Lencth
Comments
SupplementaryData
<SplmtryData>
02.18.26
[0..*]
C
Parent Tag
Envelope
<Envlp>
02.18.26.02
[1..1]
C
Parent Tag
UnitCode
<UnitCode>
02.18.26.02.
01
[0..1]
Text
C
Y
9
Provide the Unit Code of your organisation (9-digit). Provide
‘000000000’ if you do not know your Unit Code.
Payment Nature
<PaymentNature
>
02.18.26.02.
02
[0..1]
Text
C
Y
40
Provide either code or description as per list of values, based on your
declaration document.
For Non-Resident customers, system will default it to "006” -其他.
Possible value:
• ‘001’ - 保税区
• ‘002’ - 出口加工区
• ‘003’ - 钻石交易所
• ‘004’ - 其他特殊经济区域
• ‘005’ - 深加工结转
‘006’ -
其他
Page 46 of 321
Message Element XML Tag
Structural
Sequence
Number
Mult.
Data
type
M/O/C
Local
Language
Support
Max
Lencth
Comments
BOP Transaction Code 1
<BOPTranCode1
>
02.18.26.02.
03
[0..1]
Text
C
Y
6
Refer BOP Codes. System will default it to '822030' for non-resident
customers.
BOP Transaction Description 1
<BOPTranDesc1>
02.18.26.02.
04
[0..1]
Text
C
Y
40
Provide description only if it is different from the standard description
of the code as per BOP Codes
BOP Transaction Code 2
<BOPTranCode2
>
02.18.26.02.
05
[0..1]
Text
O
Y
6
Refer BOP Codes
BOP Transaction Description 2
<BOPTranDesc2>
02.18.26.02.
06
[0..1]
Text
O
Y
40
Provide description only if it is different from the standard description
of the code as per BOP Codes
BOP Amount 1
<BOPAmount1>
02.18.26.02.
07
[0..1]
Number
C
N
20
Amount as per BOP Transaction Code 1. Must be in the same currency
as the payment amount.
If blank, system will default it to Payment Amount.
BOP Amount 2
<BOPAmount2>
02.18.26.02.
08
[0..1]
Text
O
N
20
Amount as per BOP Transaction Code 2.
Must be in the same currency as the payment amount.
If both BOP Amount 1 & BOP Amount 2 are provided, sum of both
amounts must be equal to Payment Amount. If this doesn't match,
payment will be stopped for repair.
Tax Free Good
<TaxFreeGoods>
02.18.26.02.
09
[0..1]
Text
C
Y
3
Provide appropriate code:
• ‘020’ - 是
• ‘021’ - 否
Either code can be used if the 6 digit 'BOP Transaction Code 1' begins
with "1".
If the 6 digit 'BOP Transaction Code 1' does not begin with "1", only
"021” - 否 is applicable.
"021” -
否
will default for non-resident customers.
Payment Category
<PaymentCatego
ry>
02.18.26.02.
10
[0..1]
Text
C
Y
40
Provide appropriate code:
• Use ‘050’ - 预付货款 Advance Payment or ‘051’ - 货到付款 Payment
Against Delivery, if BOP Transaction Code1 starts with "1"
• Use ‘052’ - 退款 Refund, for refunds
• Use ‘053’ - 其他 Others, if BOP Transaction Code 1 does not start
with "1"
Page 47 of 321
Message Element XML Tag
Structural
Sequence
Number
Mult.
Data
type
M/O/C
Local
Language
Support
Max
Lencth
Comments
"053” -
其他
Others, will default for non-resident customers.
Contract Number
<ContractNumbe
r>
02.18.26.02.
11
[0..1]
Text
C
Y
40
Sales contract number, if applicable
Invoice Number
<InvoiceNumber
>
02.18.26.02.
12
[0..1]
Text
C
Y
40
Invoice Number, if applicable
Safe Batch/Registration Number
<SafeBatchRegN
um>
02.18.26.02.
13
[0..1]
Text
C
Y
40
Provide the 20 digit Safe Batch/Registration Number or N/A if not
applicable.
This is mandatory for resident-customers if the BOP Transaction Code
1 starts with "6", "7", "8", or "9".
BOP Reporting Type
<BOPRepType>
02.18.26.02.
14
[0..1]
Text
C
Y
20
Provide either code based on BOP Reporting Type below:
• ‘070’ - BOP OVERSEAS (境外汇款)
• ‘071’ - BOP DOMESTIC (境内汇款)
• ‘072’ - BOP NOT REQUIRED (无需国际收支申报)
System will default it to "070” - BOP OVERSEAS (境外汇款) for non-
resident customers.
Page 48 of 321
6 SINGLE PAYMENTS FILE FORMATS
6.1 Introduction
This section details the Single Payments import formats.
6.2 MT101 Non-Straight Through Processing (NSTP) File Format (Australia and
New Zealand)
Overview
This section details the MT101 file import format & validations available for Non-Straight through
Processing (NSTP).
The MT101 File Import allows a user to import an MT101 file as one or more Single Payment
instructions. The supported payment types include RTGS, International and Multi Bank. The MT101 file
format is the ANZ preferred file format for the aforementioned payment types.
Host-to-Host File Naming Convention
As agreed.
MT101 File Layout and Character Set
The MT101 message contains four (4) blocks of information. One or more transactions can be
presented in the file; each payment instruction will begin with a block 1 and end with a block 4. The
file may contain any of the supported Single Payments payment types.
The following table displays a summary of the MT101 message format:
Block Title Mandatory/Optional Comments
1
Sending financial
institution
Mandatory
Block 1 is mandatory and must begin with “{1: F01”
and end with “}”
Example for ANZ Australia: {1: F01 ANZBAU3MXXX}
Example for ANZ New Zealand: {1: F01
ANZBNZ22XXX}
2
Message
Type/Receiving
financial
institution
Mandatory
Block 2 is mandatory and for International and RTGS
payments must contain the SWIFT BIC of the Bank that
owns the funding account.
Example for ANZ Australia: {2: I 101 ANZBAU3MXXX}
Example for ANZ New Zealand: {2: I 101 ANZBNZ22XXX}
3
Additional Tag
Information
Optional
Block 3 is optional. If present must begin with “{3:” and
end with “}”.
Not used
4
Sequence A and
Sequence B
Mandatory
Block 4 is mandatory and must begin with “{4:” and end
with “-}”.
This block contains Sequence A and Sequence B – see
below for further details.
Character Set
Page 49 of 321
Character sets allowed in an MT101 file are set at a field level and are a combination of length and
character set parameters:
• Length can be:
o nn is a maximum length of nn. eg.36 = max 36 characters
o nn! is a fixed length of nn
o nn*nn is a maximum number of lines with a maximum length of nn
o [] indicates the field is optional
• Character set can be:
o N for numeric (0-9)
o A for upper case alphabetic only
o C for upper case alphabetic and numeric
o X as any permitted characters (upper and lower case alphabetic and numeric
and /-? :().,+{}
o E is blank space
o D is decimals
Examples of character sets are:
o 3!a is always three letters
o 4*35x is 4 lines of any permitted characters with a maximum length of 35
o 3n[4a] is maximum of three number followed by an optional maximum of four
alphabetic
The following character set is allowed in an MT101 import file:
• Fields that are marked ‘Alpha’ (Alphanumeric) in the ‘Type’ column are limited to:
o Letters: A-Z, a-z
o Numbers: 0-9
o The following Characters: spaces ( ) , ampersands (&), apostrophes (‘), commas (,) , hyphens
(-), full stops (.), forward slashes (/), plus sign (+), dollar sign ($), percentage sign (%), left
parenthesis ((), right parenthesis ()), asterisk (*), number sign (#), equal sign (=), colon (:),
question mark (?), left square bracket ([), right square bracket (]), underscore (_), circumflex
(^) and the at symbol (@)
• Fields that are marked ‘Numeric’ in the ‘Type’ column are limited to:
• Numbers: 0-9
Note: Braces (‘{’ and ‘}’) are used to identify the beginning and end of each block as outlined
previously, but they cannot be used anywhere else in an MT101 file. As such they have not been
included in the character set above.
Page 50 of 321
Sequence A – General Information
The following table outlines the format of Sequence A - General Information:
Tag Field Description Type Length Notes
Mandatory/
Optional
:20:
Sender’s Reference
Alpha
16
Reference number to link payment to
originating system.
Mandatory
:21R:
Customer reference
Alpha
16
The customer reference associated with
the payment. If 21R is not supplied
then tag 21 in sequence B will be used
as the customer reference.
Optional
:28D:
Message Index/Total
Alpha
5n/5n
Always ‘00001/00001’. ANZ supports a
single sequence B.
Mandatory
:50L:
Instructing Party
Alpha
35
Identifies the customer authorised by
the account owner to order the
payment. Used for Multibank payments
only.
Must be provided in either sequence A
or B (but not in both) for Multibank
payments.
Optional
:50H:
Ordering Customer
Alpha
34
Funding account preceded by ‘/’. BSB
should be included where applicable.
Name and address need not be
entered.
Must be provided in either sequence A
or B but not in both.
Optional for BSB to be included in
either tag 50H or 52A but mandatory
to be provided in either 50H or 52A.
Optional
:52A:
Account Servicing
Institution
Alpha
11
SWIFT code pertaining to the funding
account of the payment.
May be provided in either sequence A
or B but not in both.
Must be provided in either sequence A
or B for Multibank payments.
If populating then provide:
Optional national clearing system code
preceded by a double slash (‘//’). E.g.,
for Australia, populate with “//AU” and
the six number funding account BSB.
Mandatory 11 character SWIFT code
pertaining to the funding account of the
payment. If only 8 characters known
then pad with trailing “XXX”, e.g.
“ANZBAU3MXXX”
Optional for BSB to be included in
either tag 50H or 52A but mandatory
to be provided in either 50H or 52A.
Optional
:30:
Requested
Execution Date
Numeric
6
The payment date in format YYMMDD
(e.g. 110101)
Mandatory
Page 51 of 321
Sequence B – Transaction Detail Record
The following table describes the format of Sequence B - Transaction Detail Record:
Tag Field Description
Type Length Notes
Mandatory
/Optional
:21: Transaction
Reference
Alpha 16 Customer reference associated with the
payment.
Mandatory
:21F: F/X Deal Reference Alpha 16 Forward Exchange Contract or BID
reference if an international payment.
Applicable exchange reference if a
Multibank payment.
Mandatory if tag 36 is populated.
Optional
:23E:
Instruction Code Alpha –
Numeric
4 x 30
Specific instructions provided by the
ordering customer to the account
servicing institution.
The system will only accept up to four
instruction codes.
For RTGS NZ the instruction code
‘OTHR/EMAIL/’can be provided to enter
the beneficiaries email address.
E.g.
:23E: OTHR/EMAIL/jsmith@abc.com
Conditional
:32B: Currency and
Transaction
amount
Alpha –
Numeric
3 –
15
Payment currency and amount.
E.g. USD1234,56 (note ‘,’ convention)
Amount can be 0 if 33B is specified.
For payments in Currencies with no
decimal place, no values should be
provided after the decimal place (E.g.
JPY100,)
Mandatory
:50L: Instructing Party Alpha-
Numeric
35
Identifies the customer authorised by the
account owner to order the payment.
Used for Multibank payments only.
Must be provided in either sequence A or
B (but not in both) for Multibank
payments.
Optional
:50H: Ordering Customer Alpha 34
Funding account preceded by ‘/’. BSB
should be included where applicable.
Name and address need not be entered.
Must be provided in either sequence A or
B but not in both.
Optional for BSB to be included in either
tag 50H or 52A but mandatory to be
provided in either 50H or 52A.
Optional
Page 52 of 321
Tag Field Description
Type Length Notes
Mandatory
/Optional
:52A: Account Servicing
Institution
Alpha 11
SWIFT code pertaining to the funding
account of the payment.
May be provided in either sequence A or
B but not in both.
Must be provided in either sequence A or
B for Multibank payments.
If populating then provide:
• Optional national clearing
system code preceded by a
double slash (‘//’). E.g., for
Australia, populate with “//AU”
and the six number funding
account BSB.
• Mandatory 11 character SWIFT
code pertaining to the funding
account of the payment. If only
8 characters known then pad
with trailing “XXX”, e.g.
“ANZBAU3MXXX”
Optional for BSB to be included in either
tag 50H or 52A but mandatory to be
provided in either 50H or 52A.
Optional
:56A:
OR
Intermediary
Institution
Alpha
11
Bank code of Intermediary bank. Can be
one of the following:
SWIFT BIC
Optional
:56C:
OR
Alpha
15
Domestic Clearing Code of Intermediary
bank, // followed by a two letter clearing
system code and party identifier
E.g. //XX nn..nn
Where XX is the country Clearing System
Code (See section 6.2.6)
:56D:
Intermediary
Institution
(continued)
Alpha
5 x 35
Line 1: Bank code of Intermediary bank.
Can be one of the following:
▪ Clearing code (format //XX nnn…nn)
Line 2: Intermediary Bank name.
Line 3: Intermediary Bank address line
1.
Line 4: Intermediary Bank address line
2.
Line 5: Intermediary Bank country (must
be ISO compliant format).
Lines 1, 2, 3 and 5 are mandatory.
Note: Tag :56D: must only be used if
Intermediary Bank does not have a
SWIFT BIC code and the National
Clearing System Code is unknown, lines
2, 3 and 5 are mandatory.
Page 53 of 321
Tag Field Description
Type Length Notes
Mandatory
/Optional
:57A:
OR
Account With
Institution
Alpha
11
Bank code of beneficiary bank. Can be
one of the following:
SWIFT BIC
The following clearing codes are accepted
in 57A, however it is preferable that they
are used in field 57C:
BSB for RTGS AU (format //AU
nnnnnn)
BB for RTGS NZ (format
//NZnnnnnn)
Mandatory
:57C:
OR
Alpha
15
Domestic Clearing Code of beneficiary
bank, // followed by a two letter clearing
system code and party identifier
E.g. //XX nn..nn
Where XX is the country Clearing System
Code (See section 6.2.6)
:57D:
Alpha
5 x 35
Line 1: Bank code of beneficiary bank.
Can be one of the following:
BSB for RTGS AU (format //AU
nnnnnn)
BB for RTGS NZ (format
//NZnnnnnn)
Clearing code (format //XX nnn…nn)
Line 2: Beneficiary Bank name.
Line 3: Beneficiary Bank address line 1.
Line 4: Beneficiary Bank address line 2.
Line 5: Beneficiary Bank country (must
be ISO compliant format).
Lines 1, 2, 3 and 5 are mandatory.
Note: Tag :57D: must only be used if
Intermediary Bank does not have a
SWIFT BIC code and the National
Clearing System
Page 54 of 321
Tag Field Description
Type Length Notes
Mandatory
/Optional
:59:
OR
:59F:
Beneficiary Alpha No
letter
option:
/34x
4*35x
[/34x]
4*(1!n/
33x)
If using No letter option:
Line 1: Account of the payment
Beneficiary preceded by a ‘/’.
Lines 2-5: Name, Address and Country
of the payment beneficiary.
If using option F then:
Line 1: Account of the payment
beneficiary preceded by a '/'.
Lines 2-5:
1: The number followed by a slash, '/'
must be followed by the name of the
beneficiary customer.
2: The number followed by a slash, '/'
must be followed by an address line
3: The first occurrence of number 3 must
be followed by a slash, '/', the ISO
country code and, optionally, additional
details that are preceded by a slash '/'.
Other occurrence(s) of number 3 must be
followed by a slash '/' and the
continuation of additional details.
In option F, for subfields (Number)(Name
and Address Details):
• The first line must start with
number 1.
• Numbers must appear in
numerical order.
• Number 2 must not be used
without number 3.
• The first occurrence of number 3
must be followed by a valid ISO
country code.
Mandatory
:70: Remittance
Information
Alpha 4x35 Details of payment. Optional
:33B: Funding currency
and amount
Alpha –
Numeric
3–15
Funding currency and amount.
E.g. AUD1234, 56 (note ‘,’ convention).
Currency should match that of funding
account.
Amount can be 0 if 32B is specified.
Optional
Page 55 of 321
Tag Field Description
Type Length Notes
Mandatory
/Optional
:71A: Details of Charges
Alpha 3 Must be ‘SHA’ for RTGS and SCP
payments.
Must be ’SHA’ or ‘OUR’ for International
payments.
Must be ‘SHA’, ‘OUR’ or ‘BEN’ for
Multibank payments.
Mandatory
:36: Exchange Rate
Numeric 12 Forward Exchange Contract or BID rate if
an international payment. Applicable
exchange rate if a Multibank payment.
Must be populated if 21F is populated. If
33B is present and 32B is non zero then
this tag must be present.
Optional
Note: Some standard SWIFT MT101 file format fields that are not used have been omitted from this
document.
Page 56 of 321
Clearing System Codes
The table below lists the valid national Clearing System Codes.
Clearing System Code Length Comments
AT 5 Austrian Bankleitzahl
AU 6 Australian Bank State Branch (BSB) Code
BL 8 German Bankleitzahl
CC 9 Canadian Payments Association Payment Routing Number
CH 6 CHIPS Universal Identifier
CP 4 CHIPS Participant Identifier
ES 8 or 9 Spanish Domestic Interbanking Code
FW 9 Fedwire Routing Number
GR 7 HEBIC (Hellenic Bank Identification Code)
HK 3 Bank Code of Hong Kong
IE 6 Irish National Clearing Code (NSC)
IN 11 Indian Financial System Code (IFSC)
IT 10 Italian Domestic Identification Code
NZ 6 New Zealand National Clearing Code
PL 8 Polish National Clearing Code (KNR)
PT 8 Portuguese National Clearing Code
RU 9 Russian Central Bank Identification Code
SC 6 UK Domestic Sort Code
SW 3 or 5 Swiss Clearing Code (BC code)
SW 6 Swiss Clearing Code (SIC code)
ZA 6 South African National Clearing Code
Page 57 of 321
6.3 MT101 Straight Through Processing (STP File) Format (Australia and New
Zealand)
Overview
ANZ recommends the use of ISO 20022 XML Corporate to Bank systems integration. Please contact
your ANZ representive for further details. This legacy format is provided for reference where it is
currently used by customers. This format may be used where Transactive file upload is required in
conjunction with Fileactive or as BCP.
This section details the MT101 file import format & validations.
The MT101 File Import allows a user to import an MT101 file as one or more Single Payment
instructions. The supported payment types include RTGS, International and Multi Bank. The MT101 file
format is the ANZ preferred file format for the aforementioned payment types.
Note: CNY/CNH International Payments cannot be processed via H2H STP. CNY/CNH payments
require a user to accept a disclaimer message prior to them being processed by ANZ. All CNY/CNH
International payments sent through H2H STP will be rejected. The reply file returned will contain the
rejection status and description.
Host-to-Host File Naming Convention
Not applicable
MT101 File Layout and Character Set
The MT101 message contains four (4) blocks of information. One or more transactions can be
presented in the file; each payment instruction will begin with a block 1 and end with a block 4. The
file may contain any of the supported Single Payments payment types.
The following table displays a summary of the MT101 message format:
Block Title Mandatory/
Optional
Comments
1 Sending financial
institution
Mandatory Block 1 is mandatory and must begin with “{1: F01”
and end with “}”
Example for ANZ Australia: {1: F01 ANZBAU3MXXX}
Example for ANZ New Zealand: {1: F01
ANZBNZ22XXX}
2 Message
Type/Receiving
financial institution
Mandatory Block 2 is mandatory and for International and RTGS
payments must contain the SWIFT BIC of the Bank
that owns the funding account.
Example for ANZ Australia: {2: I 101
ANZBAU3MXXX}
Example for ANZ New Zealand: {2: I 101
ANZBNZ22XXX}
3 Additional Tag
Information
Optional Block 3 is optional. If present must begin with “{3:”
and end with “}”.
Not used
Page 58 of 321
Block Title Mandatory/
Optional
Comments
4 Sequence A and
Sequence B
Mandatory Block 4 is mandatory and must begin with “{4:” and
end with “-}”.
This block must contain a single occurrence of
Sequence A and Sequence B – see below for further
details.
Page 59 of 321
Character Set
Character sets allowed in an MT101 file are set at a field level and are a combination of length and
character set parameters:
• Length can be:
o nn is a maximum length of nn. eg.36 = max 36 characters
o nn! is a fixed length of nn
o nn*nn is a maximum number of lines with a maximum length of nn
o [] indicates the field is optional
• Character set can be:
o N for numeric (0-9)
o A for upper case alphabetic only
o C for upper case alphabetic and numeric
o X is any permitted characters (upper and lower case alphabetic and numeric
and /-? :().,+{}
o E is blank space
o D is decimals
Examples of character sets are:
o 3!a is always three letters
o 4*35x is 4 lines of any permitted characters with a maximum length of 35
o 3n[4a] is maximum of three number followed by an optional maximum of four
alphabetic
The following character set is allowed in an MT101 import file:
Fields that are marked ‘Alpha’ (Alphanumeric) in the ‘Type’ column are limited to:
o Letters: A-Z, a-z
o Numbers: 0-9
o The following special characters: spaces ( ), exclamation points (!), apostrophes (‘),
parentheses ((or)), plus sign (+), commas (,), hyphens (-), full stops (.), forward slashes
(/), colons (:) and question marks (?).
Fields that are marked ‘Numeric’ in the ‘Type’ column are limited to:
o Numbers: 0-9.
Note: Braces (‘{’ and ‘}’) are used to identify the beginning and end of each block as outlined
previously, but they cannot be used anywhere else in an MT101 file. As such they have not been
included in the character set above.
Page 60 of 321
Sequence A – General Information
The following table outlines the format of Sequence A - General Information:
Tag
Field
Description
Type Length Notes M/O/C
:20:
Sender’s
Reference
Alpha -
Numeric
16x
Reference number to link
payment to originating
system.
This field must not start or
end with a slash '/' and
must not contain two
consecutive slashes '//'
(Error code(s): T26).
Mandatory
:21R:
Customer
Specified
Reference
Alpha -
Numeric
16x
The customer reference
associated with the
payment.
This field must not start or
end with a slash '/' and
must not contain two
consecutive slashes '//'
(Error code(s): T26).
Optional
:28D:
Message
Index/Total
Numeric 5n/5n
ANZ supports a single
sequence B.
Mandatory
:50C:
OR
Instructing Party
Alpha -
Numeric
Option C:
4!a2!a2!c[3!c]
(Identifier
Code)
Identifies the customer
authorised by the account
owner to order the
payment.
If using option C then
provide the instructing
party 8 or 11 character
Business Entity Identifier
(BEI)
Identifier Code must be a
non-financial institution
BIC (Error code(s):
T27,T28,T29,T45,E57).
Conditional
:50L:
Option L:
35x
(Party
Identifier)
If using option L then
provide the name of the
instructing party.
If populated, then must
only be provided in either
sequence A or B but not in
both.
Page 61 of 321
Tag
Field
Description
Type Length Notes M/O/C
:50G:
OR
Ordering
Customer
Alpha -
Numeric
Option G:
/34x
(Account)
4!a2!a2!c[3!c]
(Identifier
Code)
Identifies the funding
account and the owner of
the funding account.
The first line to be funding
account preceded by ‘/’.
The account BSB should
be included where
applicable.
If using option G then
provide the ordering
customer 8 or 11
character BEI on the
second line.
Conditional
:50H:
Option H:
/34x
(Account)
4*35x (Name
and Address)
If using option H account
number is mandatory
Must be provided in either
sequence A or B but not in
both.
Optional for BSB to be
included in either tag 50H
or 52A but mandatory to
be provided in either 50H
or 52A.
Page 62 of 321
Tag
Field
Description
Type Length Notes M/O/C
:52A:
Account Servicing
Institution
Alpha -
Numeric
Option A:
[/1!a][/34x]
4!a2!a2!c[3!c]
Identifies the financial
institution that services
the funding account.
Must be provided in either
sequence A or B but not in
both for Multi Bank
payments.
If populating then
provide:
Optional national clearing
system code preceded by
a double slash (‘//’). E.g.,
for Australia, populate
with “//AU” and the six
number funding account
BSB.
Mandatory 11 character
SWIFT code pertaining to
the funding account of the
payment. If only 8
characters known then
pad with trailing “XXX”,
e.g. “ANZBAU3MXXX”
Optional for BSB to be
included in either tag 50H
or 52A but mandatory to
be provided in either 50H
or 52A.May be provided in
either sequence A or B but
not in both.
Conditional
:30:
Requested
Execution Date
Numeric 6!n
The payment date must
be a valid business day in
the format of YYMMDD
(e.g. 110101)
Error Code: T50
Mandatory
Sequence B – Transaction Detail Record
The following table describes the format of Sequence B - Transaction Detail Record:
Tag Field
Description
Type Length Notes M/O/C
:21: Transaction
Reference
Alpha –
Numeric
16x Transaction reference
associated with the payment.
This field must not start or
end with a slash '/' and must
not contain two consecutive
slashes '//'
(Error code(s): T26).
Mandatory
Page 63 of 321
Tag Field
Description
Type Length Notes M/O/C
:21F: F/X Deal
Reference
Alpha –
Numeric
16x Forward Exchange Contract or
BID reference if an
International payment.
Applicable exchange reference
if a Multi Bank payment.
Mandatory if tag 36 is
populated.
Must be populated if 32B and
33B are both present
Conditional
:23E:
Instruction Code Alpha –
Numeric
4!c[/30x] Specific instructions provided
by the ordering customer to
the account servicing
institution.
The system will only accept up
to four instruction codes.
The instruction code ‘EQUI’
must be provided where tag
32B (credit amount) is zero
and tag 33B (debit amount) is
greater than zero.
For RTGS NZ the instruction
code ‘OTHR/EMAIL/’can be
provided to enter the
beneficiaries email address.
CHQB – Cheque
CMSW – Sweep the account
CMTO – Top the account
CMZB – Zero balance the
account
CORT - Corporate Trade
EQUI - Equivalent Amount
INTC – Intra- Company
Payment
NETS – Net Settlement
System
OTHR – Other
PHON – Telephone
REPA – Related Payment
RTGS - RTGS Payment
URGP – Urgent Payment
E.g.
:23E:
OTHR/EMAIL/jsmith@abc.com
Optional
:32B:
Currency/ Alpha –
Numeric
3!a15d Payment currency and
amount.
Mandatory
Page 64 of 321
Tag Field
Description
Type Length Notes M/O/C
Transaction
amount
The amount field must only
contain one comma (e.g.
USD1234,56)
Amount can be 0 if 33B (debit
amount) is greater than zero
and if 23E includes an
instruction code of ‘EQUI’.
For payments in currencies
with no decimal place, no
values should be provided
after the decimal place (e.g.
JPY100,)
Currency must be a valid ISO
4217 currency code (Error
code(s): T52).
The integer part of Amount
must contain at least one
digit. A decimal comma is
mandatory and is
included in the maximum
length. The number of digits
following the comma must not
exceed the maximum number
allowed for the specified
currency (Error code(s):
C03,T40,T43).
The codes XAU, XAG, XPD and
XPT are not allowed, as these
are codes for commodities for
which the category 6
commodities messages must
be used (Error code(s): C08).
:50C:
OR
Instructing Party Alpha –
Numeric
Option C:
4!a2!a2!c[3!c]
(Identifier
Code)
Identifies the customer
authorised by the account
owner to order the payment.
If using option C then provide
the instructing party 8 or 11
character BEI
Identifier Code must be a
non-financial institution BIC
(Error code(s):
T27,T28,T29,T45,E57).
Conditional
:50L: Option L:
35x
(Party
Identifier)
If using option L then provide
the name of the instructing
party.
If populated, then must only
be provided in either
sequence A or B but not in
both.
Page 65 of 321
Tag Field
Description
Type Length Notes M/O/C
:50G:
OR
Ordering
Customer
Alpha -
Numeric
Option G:
/34x
4!a2!a2!c[3!c]
Identifies the funding account
and the owner of the funding
account.
The first line is the funding
account, preceded by a slash
(‘/’). The account BSB should
be included where applicable.
If using option G then provide
the ordering customer 8 or 11
character BEI on the second
line.
Conditional
:50H: Option H:
/34x
4*35x
If using option H then provide
the name and street address
of the ordering customer in
lines 2-5. Do not provide PO
Box address.
Must be provided in either
sequence A or B but not in
both.
Optional for BSB to be
included in either tag 50H or
52A but mandatory to be
provided in either 50H or 52A.
:52A: Account
Servicing
Institution
Alpha -
Numeric
Option A:
[/1!a][/34x]
4!a2!a2!c[3!c]
Identifies the financial
institution that services the
funding account.
Must be provided in either
sequence A or B but not in
both for Multi Bank payments.
If populating then provide:
Optional national clearing
system code preceded by a
double slash (‘//’). E.g., for
Australia, populate with
“//AU” and the six number
funding account BSB.
Mandatory 11 character
SWIFT code pertaining to the
funding account of the
payment. If only 8 characters
known then pad with trailing
“XXX”, e.g. “ANZBAU3MXXX”
Optional for BSB to be
included in either tag 50H or
52A but mandatory to be
provided in either 50H or 52A.
Conditional
:56A:
Intermediary Alpha -
Numeric
Option A:
[/1!a][/34x]
4!a2!a2!c[3!c]
All options within Tag 56 do
not apply to RTGS payments.
If using option A then:
Optional
Page 66 of 321
Tag Field
Description
Type Length Notes M/O/C
OR
Provide the country’s national
clearing system code of the
beneficiary bank. The format
is //XXnnn…nn. (e.g
//AU023657)
Where XX is the country’s
national clearing system code
(See section 6.3.7)
Must contain the Beneficiary
Bank 8 or 11 character SWIFT
BIC
:56C:
OR
Option C:
/34x
If using option C then:
Must contain the country’s
national clearing system code
of the beneficiary bank. The
format is //XXnnn…nn. (e.g.
//CH023657)
Where XX is the country’s
national clearing system code
(See section 6.4.5)
:56D: Option D:
[/1!a][/34x]
4*35x
If using option D then:
Optionally provide the
country’s national clearing
system code of the beneficiary
bank. The format is
//XXnnn…nn. (e.g.
//AU023657)
Where XX is the country’s
national clearing system code
Line 2: Intermediary Bank
name.
Line 3: Intermediary Bank
address.
Line 4: Intermediary Bank
address.
Line 5: Intermediary Bank
country (must be ISO
compliant format).
Note: Tag :56D: must only be
used if Intermediary Bank
does not have a SWIFT BIC
code and the National
Clearing System Code is
unknown, lines 2, 3 and 5 are
mandatory.
:57A:
Account With
Institution
Alpha -
Numeric
Option A:
[/1!a][/34x]
4!a2!a2!c[3!c]
If using option A then:
Provide the country’s national
clearing system code of the
beneficiary bank. The format
Conditional
Page 67 of 321
Tag Field
Description
Type Length Notes M/O/C
OR
is //XXnnn…nn. (e.g.
//AU023657)
Where XX is the country’s
national clearing system code
(See section 6.4.4)
The country’s national clearing
system code is optional for
international and Multi Bank
payment types
Must contain the Beneficiary
Bank 8 or 11 character SWIFT
BIC.
:57C:
OR
Option C:
/34x
If using option C then:
Must contain the country’s
national clearing system code
of the beneficiary bank. The
format is //XXnnn…nn. (e.g.
//CH023657)
Where XX is the country’s
national clearing system code
(See section 6.4.5)
:57D: Option D:
[/1!a][/34x]
4*35x
If using option D then:
Line 1: Must contain the
country’s national clearing
system code of the beneficiary
bank. The format is
//XXnnn…nn. (e.g.
//AU023657)
Where XX is the country’s
national clearing system code
Line 2: Beneficiary Bank
name.
Line 3: Beneficiary Bank
address.
Line 4: Beneficiary Bank
address.
Line 5: Beneficiary Bank
country (must be ISO
compliant format).
Note: Tag :57D: must only be
used if Intermediary Bank
does not have a SWIFT BIC
code and the National
Clearing System Code is
unknown, lines 2, 3 and 5 are
mandatory.
:59:
Beneficiary Alpha-
Numeric
No letter
option:
If using No letter option: Mandatory
Page 68 of 321
Tag Field
Description
Type Length Notes M/O/C
OR
/34x
4*35x
Line 1: Account number of the
Beneficiary preceded by a ‘/’
must be provided.
Line 2: Beneficiary name.
Line 3: Beneficiary address.
Line 4: Beneficiary address.
Line 5: Beneficiary country
(must be ISO compliant
format).
Lines 1, 2, 3 and 5 are
mandatory.
:59A:
:59F:
Option A:
/34x
4!a2!a2!c[3!c]
Option F:
[/34x]
4*(1!n/33x)
If using option A then:
Line 1: Account number of the
Beneficiary preceded by a ‘/’
must be provided.
Line 2: Beneficiary 8 or 11
character SWIFT BIC or BEI.
Lines 1 and 2 are mandatory.
Note: The ‘No letter option’ is
recommended as some
countries will only accept
payments where the full name
and address of the beneficiary
is provided.
If using option F then:
Line 1: Account of the
payment beneficiary preceded
by a '/'.
Lines 2-5:
1: The number followed by a
slash, '/' must be followed by
the name of the beneficiary
customer.
2: The number followed by a
slash, '/' must be followed by
an address line
3: The first occurrence of
number 3 must be followed by
a slash, '/', the ISO country
code and, optionally,
additional details that are
preceded by a slash '/'.
Other occurrence(s) of
number 3 must be followed by
a slash '/' and the
continuation of additional
details.
Page 69 of 321
Tag Field
Description
Type Length Notes M/O/C
In option F, for subfields
(Number)(Name and Address
Details):
The first line must start with
number 1
.
Numbers must appear in
numerical order
.
Number 2 must not be used
without number 3
.
The first occurrence of
number 3 must be followed by
a valid ISO country code
.
:70: Remittance
Information
Alpha –
Numeric
4*35x Details of payment.
For international payments
sent in the Chinese Renminbi
(CNY), field 70 must begin
with a purpose code:
/CCTFDR/
/CGODDR/
/CSTRDR/
For international payments
sent in Malaysian Ringgit
(MYR), field 70 must begin
with a purpose code:
/11100/
/11200/
/11999/
/12300/
/13299/
/13300/
/13400/
/13500/
/14100/
/14229/
/14259/
/14300/
/15100/
/16100/
/16200/
/16300/
/16400/
/16500/
/16600/
Optional
Page 70 of 321
Tag Field
Description
Type Length Notes M/O/C
/16710/
/16720/
/16730/
/16740/
/16750/
/16760/
/16771/
/16772/
/16773/
/16780/
/16800/
/16999/
:77B: Regulatory
reporting
Alpha –
Numeric
3*35x Regulatory information
required by the authorities in
the country of the sending or
receiving bank.
Optional
:33B: Currency/Original
Ordered Amount
Alpha –
Numeric
3!a15d The funding currency and
amount field must only
contain one comma
(e.g. AUD1234,56).
Amount can be 0 if 32B is
greater than zero.
Conditional
:71A: Details of
Charges
Alpha 3!a Must be ‘SHA’ for RTGS
payments.
Must be ’SHA’ or ‘OUR’ for
International payments.
Must be ‘SHA’, ‘OUR’ or ‘BEN’
for Multi Bank payments.
Mandatory
:36: Exchange Rate Numeric 12d Forward Exchange Contract or
BID rate if an international
payment.
Applicable exchange rate if a
Multi Bank payment.
Mandatory if tag 21F is
populated.
Must be populated if 32B and
33B are both present and are
for different currencies.
Conditional
:52A: Account
Servicing
Institution
Alpha -
Numeric
Option A:
[/1!a][/34x]
4!a2!a2!c[3!c]
Identifies the financial
institution that services the
funding account.
Must be provided in either
sequence A or B but not in
both for Multi Bank payments.
Conditional
Page 71 of 321
Tag Field
Description
Type Length Notes M/O/C
If populating then provide:
Optional national clearing
system code preceded by a
double slash (‘//’). E.g., for
Australia, populate with
“//AU” and the six number
funding account BSB.
Mandatory 11 character
SWIFT code pertaining to the
funding account of the
payment. If only 8 characters
known then pad with trailing
“XXX”, e.g. “ANZBAU3MXXX”
Optional for BSB to be
included in either tag 50H or
52A but mandatory to be
provided in either 50H or 52A.
:56A:
OR
Intermediary Alpha -
Numeric
Option A:
[/1!a][/34x]
4!a2!a2!c[3!c]
All options within Tag 56 do
not apply to RTGS payments.
If using option A then:
Provide the country’s national
clearing system code of the
beneficiary bank. The format
is //XXnnn…nn. (e.g.
//AU023657)
Where XX is the country’s
national clearing system code
(See section 6.3.7)
Must contain the Beneficiary
Bank 8 or 11 character SWIFT
BIC
Optional
:56C:
OR
Option C:
/34x
If using option C then:
Must contain the country’s
national clearing system code
of the beneficiary bank. The
format is //XXnnn…nn. (e.g.
//CH023657)
Where XX is the country’s
national clearing system code
(See section 6.4.5)
:56D: Option D:
[/1!a][/34x]
4*35x
If using option D then:
Optionally provide the
country’s national clearing
system code of the beneficiary
bank. The format is
//XXnnn…nn. (e.g.
//AU023657)
Where XX is the country’s
national clearing system code
Page 72 of 321
Tag Field
Description
Type Length Notes M/O/C
Line 2: Intermediary Bank
name.
Line 3: Intermediary Bank
address.
Line 4: Intermediary Bank
address.
Line 5: Intermediary Bank
country (must be ISO
compliant format).
Note: Tag :56D: must only be
used if Intermediary Bank
does not have a SWIFT BIC
code and the National
Clearing System Code is
unknown, lines 2, 3 and 5 are
mandatory.
:57A:
OR
Account With
Institution
Alpha -
Numeric
Option A:
[/1!a][/34x]
4!a2!a2!c[3!c]
If using option A then:
Provide the country’s national
clearing system code of the
beneficiary bank. The format
is //XXnnn…nn. (e.g.
//AU023657)
Where XX is the country’s
national clearing system code
(See section 6.4.4)
The country’s national clearing
system code is optional for
international and Multi Bank
payment types
Must contain the Beneficiary
Bank 8 or 11 character SWIFT
BIC.
Conditional
:57C:
OR
Option C:
/34x
If using option C then:
Must contain the country’s
national clearing system code
of the beneficiary bank. The
format is //XXnnn…nn. (e.g.
//CH023657)
Where XX is the country’s
national clearing system code
(See section 6.4.5)
:57D: Option D:
[/1!a][/34x]
4*35x
If using option D then:
Line 1: Must contain the
country’s national clearing
system code of the beneficiary
bank. The format is
//XXnnn…nn. (e.g
//AU023657)
Page 73 of 321
Tag Field
Description
Type Length Notes M/O/C
Where XX is the country’s
national clearing system code
Line 2: Beneficiary Bank
name.
Line 3: Beneficiary Bank
address.
Line 4: Beneficiary Bank
address.
Line 5: Beneficiary Bank
country (must be ISO
compliant format).
Note: Tag :57D: must only be
used if Intermediary Bank
does not have a SWIFT BIC
code and the National
Clearing System Code is
unknown, lines 2, 3 and 5 are
mandatory.
:59:
OR
Beneficiary Alpha-
Numeric
No letter
option:
/34x
4*35x
If using No letter option:
Line 1: Account number of the
Beneficiary preceded by a ‘/’
must be provided.
Line 2: Beneficiary name.
Line 3: Beneficiary address.
Line 4: Beneficiary address.
Line 5: Beneficiary country
(must be ISO compliant
format).
Lines 1, 2, 3 and 5 are
mandatory.
Mandatory
Note: Some standard SWIFT MT101 file format fields that are not used have been omitted from this
document.
Instruction Codes
The table below lists the valid Instruction Codes.
Instruction Codes Comments
CHQB
This transaction contains a request that the beneficiary be paid via issuance of a
cheque.
CORT
This transaction contains a payment that is made in settlement of a trade, for
example, foreign exchange deal, securities transaction.
EQUI
This transaction contains an instruction requesting to pay the beneficiary customer an
amount in one currency, equivalent to an instructed amount in a different currency.
Page 74 of 321
Instruction Codes Comments
INTC
This transaction contains an intra-company payment, that is, a payment between two
companies belonging to the same group.
PHON
This transaction requires the beneficiary to be contacted by telephone and should be
followed by the appropriate telephone number. This code is meant for the last financial
institution in the chain.
REPA Payment has a related e-Payments reference.
RTGS
This transaction contains a payment that should be settled via a real time gross
settlement system, if available.
URGP
This transaction contains a time sensitive payment which should be executed in an
expeditious manner.
Page 75 of 321
Clearing System Codes – Option A
The table below lists valid Option A national Clearing System Codes.
Clearing System code Length Comments
AT 5!n Austrian Bankleitzahl
AU 6!n Australian Bank State Branch (BSB) Code
BL 8!n German Bankleitzahl
CC 9!n Canadian Payments Association Payment Routing Number
ES 8..9n Spanish Domestic Interbanking Code
FW Without 9 digit code Fedwire Routing Number
GR 7!n HEBIC (Hellenic Bank Identification Code)
HK 3!n Bank Code of Hong Kong
IE 6!n Irish National Clearing Code (NSC)
IN 11!c Indian Financial System Code (IFSC)
IT 10!n Italian Domestic Identification Code
NZ 6!n New Zealand Bank Branch (BB) Code
PL 8!n Polish National Clearing Code (KNR)
PT 8!n Portuguese National Clearing Code
SC 6!n UK Domestic Sort Code
Clearing System Codes – Option C
The table below lists valid Option C national Clearing System Codes.
Clearing System Code Length Comments
AT 5!n Austrian Bankleitzahl
AU 6!n Australian Bank State Branch (BSB) Code
BL 8!n German Bankleitzahl
CC 9!n Canadian Payments Association Payment Routing Number
CH 6!n CHIPS Universal Identifier
CP 4!n CHIPS Participant Identifier
ES 8..9n Spanish Domestic Interbanking Code
FW 9!n Fedwire Routing Number
GR 7!n HEBIC (Hellenic Bank Identification Code)
Page 76 of 321
Clearing System Code Length Comments
HK 3!n Bank Code of Hong Kong
IE 6!n Irish National Clearing Code (NSC)
IN 11!n Indian Financial System Code (IFSC)
IT 10!n Italian Domestic Identification Code
NZ 6!n New Zealand Bank Branch (BB) Code
PL 8!n Polish National Clearing Code (KNR)
PT 8!n Portuguese National Clearing Code
RU 9!n Russian Central Bank Identification Code
SC 6!n UK Domestic Sort Code
SW 3..5n Swiss Clearing Code (BC code)
SW 6!n Swiss Clearing Code (SIC code)
ZA 6!n South African National Clearing Code
6.4 Single Payments Reply File Format (Australia and New Zealand)
Overview
At least one reply file will be received for every payment instruction submitted. E.g. if a file
is submitted that contains 5 payment instructions, 5 reply files will be received. If a
payment is future dated, one acknowledgement file will be received after submission and
one confirmation file will be received after processing.
Single Payments Reply File Layout
The Single Payments Reply File is laid out as follows:
Payment Header Record
• Payment Main Record
• Payment Funding Record
• Payment Error Record
File Trailer
AU and Single Payment Reply File Naming Conventions are detailed in the table below:
File type Naming Convention Comments
Single Payment Reply
File
SPRP<1234>.spr
The 4 digits trailing SPRP is an ANZ generated sequence
number. For example: SPRP1234.spr
Single Payments Reply File Layout
The Single Payments Reply File is laid out as follows:
• Payment Header Record
o Payment Main Record
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o Payment Funding Record
o Payment Error Record
• File Trailer
Payment Header Record
The following table outlines the format of the Payment Header Record:
Field Name Type Desciption Start
Postion
End
Position
Size Mandatory/
Optional
Record
Identifier
Numeric Must be '00' 1 2 2 Mandatory
File
Identifier
Numeric GPWREP 3 8 6 Mandatory
File Date
and time
Alphanumeric Format ddmmyy HHMMSS 9 20 12 Mandatory
Payment Main Record
The following table outlines the format of the Payment Main Record:
Field Name Type Desciption
Start
Postion
End
Position
Size
Mandatory/
Optional
Record
Identifier
Numeric Must be '01' 1 2 2 Mandatory
File Import
Batch Number
Alpha-
numeric
This field will be populated with
empty spaces
3 8 6 Optional
Customer
Reference
Alpha-
numeric
Facilitate Customer/ANZ
communication
9 24 16 Mandatory
Status
Alpha-
numeric
25 44 20 Mandatory
Currency Code
Alpha-
numeric
Credit currency code 45 47 3 Mandatory
Currency
Amount
Alpha-
numeric
Credit currency amount (4
decimal places)
48 62 15 Mandatory
Creation Date
Alpha-
numeric
Format ddmmyyyy 63 70 8 Mandatory
Value Date
Alpha-
numeric
Format ddmmyyyy 71 78 8 Mandatory
Host Audit
Number
Alpha-
numeric
This field will be populated with
empty spaces
81 84 6 Optional
Customer Name
Alpha-
numeric
85 119 35 Mandatory
Page 78 of 321
Field Name Type Desciption
Start
Postion
End
Position
Size
Mandatory/
Optional
Payment ID
Alpha-
numeric
Facilitate Customer/ANZ
communication
120 127 8 Mandatory
Applicant ID
Alpha-
numeric
This field will be populated with
empty spaces
128 143 16 Optional
Beneficiary
Name
Alpha-
numeric
144 178 35 Mandatory
Beneficiary
Account
Number
Alpha-
numeric
179 212 34 Mandatory
Bank Dom Int
Code
Alpha-
numeric
213 236 24 Mandatory
Beneficiary
Bank Name
Alpha-
numeric
237 271 35 Mandatory
Beneficiary
Bank Country
Code
Alpha-
numeric
272 273 2 Mandatory
Intermediary
Bank Dom Int
Code
Alpha-
numeric
This field will be populated with
empty spaces
274 297 24 Optional
Intermediary
Bank Name
Alpha-
numeric
This field will be populated with
empty spaces
298 332 35 Optional
Intermediary
Bank Country
Alpha-
numeric
This field will be populated with
empty spaces
333 334 2 Optional
Payment Funding Record
The following table outlines the format of the Payment Funding Record:
Field Name Type Description
Start
Postion
End
Position
Size M/O
Record
Identifier
Numeric Must be '02' 1 2 2 Mandatory
Currency
Code
Alpha-
numeric
3 5 3 Mandatory
Funding
Amount
Alpha-
numeric
4 decimal 6 20 15 Mandatory
Rate Deal
Reference
Alpha-
numeric
This filed will display ‘Multi’ if a
payment is funded by multiple
contracts else the pre-determined
contract id will display when
applicable.
21 30 10 Mandatory
Page 79 of 321
Field Name Type Description
Start
Postion
End
Position
Size M/O
Exchange
Rate
Alpha-
numeric
This filed will display ‘1’ if a
payment is funded by multiple
contracts else the actual rate will
display when applicable.
31 41 11 Mandatory
Paying
Amount
Alpha-
numeric
4 decimal 42 56 15 Mandatory
Funding
Subaccount
Name
Alpha-
numeric
This field will not be populated 57 72 16 Mandatory
Funding
Subaccount
Ref
Alpha-
numeric
This field will not be populated 73 78 6 Mandatory
Payment Error Record
The following table outlines the format of the Payment Error Record:
Field Name Type Description Start
Position
End
Position
Size M/O
Record
Identifier
Numeric Must be '03' 1 2 2 Mandatory
Element ID Alpha-
numeric Default to blank
3 3 1 Mandatory
Error
Severity
Alpha-
numeric E=Error, N=Notification.
4 4 1 Mandatory
Message
Origin
Alpha-
numeric Always set to ‘T’
5 5 1 Mandatory
Message
Text
Alpha-
numeric
Message information for
customer
6 125 120 Mandatory
File Trailer
The following table outlines the format of the File Trailer Record:
Field Name Type Description Start
Positio
n
End
Position
Size M/O
Record
Identifier
Numeric Must be '99' 1 2 2 Mandatory
Record
Count
Numeric Total number of payment records
in the data record set. This will
typically be 1.
3 10 8 Mandatory
Page 80 of 321
Failure Messages
The following list of errors can be returned for failed payments:
DESCRIPTION
Either debit or credit amount is required.
Contract ID and Rate must be blank for single currency payments
<Field name> is mandatory
<Field name> is invalid
<Field name> must only contain digits
The details of charges are not valid.
Invalid payment structure.
<Field Name> cannot be longer than <Field Maximum Value> characters.
There are no records in the file.
Unable to identify payment type.
The debit account is not registered to the division.
The debit account is not valid.
<Field Name> only allows SWIFT character set.
Beneficiary bank code is not a valid Australian clearing code.
Payment date is not a valid date.
The payment is a possible duplicate.
Debit and credit amounts do not match for single currency payments.
Both Contract ID and Rate must be present for a cross currency payment.
The Beneficiary Country Code must be a valid country code.
The debit account is not registered to the payment type.
Technical error contact ANZ helpdesk.
Insufficient funds.
Limit authorisation is rejected.
Limit exceeded pending ANZ approval
Invalid currency for STP payment.
Currency code is not a valid ISO code.
Debit currency must match debit account.
Page 81 of 321
7 BTR FILE FORMATS
7.1 Introduction
ANZ also supports the use of ISO20022 XML messages. Please refer to your ANZ representative for
details.
This section defines the Balance and Transaction file formats that you can receive from ANZ.
Data Source: This section relates to Balance and Transaction file formats where the data source is
ANZ’s Tandem system
7.2 CSV Files (Australia and New Zealand)
Introduction
The CSV File format consists of 2 separate files: a balance file that contains balance records for
accounts, and a transaction file that contains transaction records for accounts.
The files will not contain any header or trailer records. All fields will be enclosed in double-quotes (“)
and separated by a comma (,). Each record will end with CRLF (carriage-return/line feed, Hex 0D0A).
Any fields containing null database values will contain double quotes as placeholders.
File Naming Convention
CSV files will be named as follows:
File Name: Bjjjyynn
Tjjjyynn
Where: B refers to the balance file
T refers to the transaction file
jjj = julian calendar day of the creation date—data within file may differ
yy = last 2 digits of year
nn is a sequential number
E.g. B0100301 Balance data for 10th Jan 2003
T0100301 Transaction data for 10th Jan 2003
Statement Balance File Format
The following table describes the format of the Statement Balance file:
Field Description Alpha /
Numeric
Mandatory / Optional Max Size
1 Balance Date
Format DD-Mm-YYYY (e.g. 01-Jan-2011)
Alpha Mandatory 11
2 Account Number
BSB and Account Number
Alpha Mandatory 20
Page 82 of 321
Field Description Alpha /
Numeric
Mandatory / Optional Max Size
3 Source of Account
ANZ’s host system
CMM = corporate customer account
MDZXXN = Foreign Currency Account where XX is the
2 digit ISO Country Code and N is the 1 digit Ledger
Instance (eg. MDZAUA for Australian Domiciled
Foreign Currency Account)
DATABANK = NZ account
HFR = retail customer account
NZXBNK = ANZ New Zealand account
V2 = V2 PLUS Wholesale account
Alpha Mandatory 8
4 Account Format
Indicates if there is a BSB present
Alpha Mandatory 1
5 Account Name
Name of account registered with ANZ.
Alpha Optional 16
6 ISO Currency Code
e.g. AUD
Alpha Mandatory 3
7 Opening Balance
Signed, decimal point present
Numeric Mandatory 24
8 Closing Balance
Signed, decimal point present
Numeric Mandatory 24
9 Debit Total
Unsigned, decimal point present
Numeric Mandatory 24
10 Number of Debits Numeric Mandatory 5
11 Credit Total
Unsigned, decimal point present
Numeric Mandatory 24
12 Number of Credits Numeric Mandatory 5
13 Debit Interest Rate
Always to 4 decimal places
Numeric Optional 7
14 Credit Interest Rate
Always to 4 decimal places
Numeric Optional 7
15 Overdraft Limit
Unsigned, decimal point present
Numeric Optional 20
16 Debit Interest Accrued
Unsigned, decimal point present
Numeric Optional 20
Page 83 of 321
Field Description Alpha /
Numeric
Mandatory / Optional Max Size
17 Credit Interest Accrued
Unsigned, decimal point present
Numeric Optional 20
18 FID Accrued
Unsigned, Decimal Point present
Numeric Optional 20
19 BAD Tax Accrued
Unsigned, Decimal Point present
Numeric Optional 20
20 Next processing date
Format DD-Mmm-YYYY (e.g. 01-Jan-2011)
Alpha Optional 11
Statement Transaction File Format
The following table describes the format of the Statement Transaction file:
Field Description Alpha /
Numeric
Mandatory
/ Optional
Max Size
1 Transaction Date
Format DD-Mmm-YYYY (e.g. 01-Jan-2011)
Alpha Mandatory 11
2 Account Number
BSB and Account Number
Alpha Mandatory 20
3 Source of Account
ANZ’s host system
CMM = corporate customer account
MDZXXN = Foreign Currency Account where XX is the 2 digit
ISO Country Code and N is the 1 digit Ledger Instance (eg.
MDZAUA for Australian Domiciled Foreign Currency Account)
DATABANK = NZ account
HFR = retail customer account
NZXBNK = ANZ New Zealand account
V2 = V2 PLUS Wholesale account
Alpha Mandatory 8
4 Account Format
Indicates if there is a BSB present in account number in field
2
Alpha Mandatory 1
5 Account Name
Name of account registered with ANZ.
Alpha Optional 16
6 ISO Currency Code
E.g. AUD
Alpha Mandatory 3
Page 84 of 321
Field Description Alpha /
Numeric
Mandatory
/ Optional
Max Size
7 Sub Account Name
Only used if present
Alpha Optional 16
8 Short Description of transaction
E.g. Cheque, Payment, Transfer etc.
Refer to
Appendix A for full list
Alpha Mandatory 10
9 Reference
E.g. Cheque Number, Invoice Number etc.
Alpha
Optional 18
10 Transaction Amount
Signed, decimal point present
Numeric Mandatory 22
11 Narrative
160 character narrative.
Alpha
Optional 160
12 Value Date
Format DD-Mmm-YYYY. (e.g. 01-Jan-2011)
Can be different to transaction date if backdated
Alpha Mandatory 11
13 Trace ID
ANZ Internal trace line
Alpha Mandatory 16
14 Tran Code
3-digit transaction code. See
Appendix A for list of
transaction codes
Alpha Mandatory 3
15 Aux Dom
This carries additional information about the transaction. See
Appendix A for full list of Aux Doms
Alpha Optional 10
Page 85 of 321
7.3 SAP/Multi-cash Files (Australia and New Zealand)
Introduction
The SAP/Multi-cash File format consists of 2 separate files, a balance file that contains balance records
for accounts and a transaction file that contains transaction records for accounts.
The files will not contain any header or trailer records. All fields will be separated by a semi-colon (;).
If a field contains a semi-colon it will be replaced with a space. Each record will end with CRLF
(carriage-return/line feed, Hex 0D0A).
File Naming Convention
SAP/Multi-Cash files will be named as follows:
File Name: Bjjjyynn
Tjjjyynn
Where: B refers to balance
T refers to transactions
jjj = Julian calendar day of the creation date—data within file may differ
yy = last 2 digits of year
nn is a sequential number
E.g. B0100301 Balance data for 10th Jan 2003
T0100301 Transaction data for 10th Jan 2003
SAP/Multi-cash Balance File Format
The following table describes the format of the SAP/Multi-cash Balance file:
Page 86 of 321
Field Description Alpha/
Numeric
Mandatory/
Optional
Max
Size
1 Bank Code
For AU Retail, Corporate/Institutional and V2 Plus accounts,
this will be the BSB of the account.
BSBs will contain a hyphen (-) after the 3rd character.
Format (NNN-NNN)
For NZ Retail, Corporate/Institutional Accounts, the bank
code is the Bank Branch (BB), which are the first 6 digits of
the account number with a hyphen (-) after the 3rd
character. Format (NNN-NNN)
Other account types are as follows:
ANZ MIDANZ accounts
COUNTRY + ACCOUNTING SYSTEM + LEDGER INSTANCE*
(E.g. AUMDZA)
NZ Crossbank accounts
Westpac: NZWPAC
Bank of New Zealand: NZBKNZ
ANZ New Zealand foreign currency accounts: NZNZM
ANZ India accounts: INFIN
ANZ Philippines accounts: PHFIN
ANZ Hong Kong accounts: HKFIN
ANZ Taiwan accounts: TWFIN
ANZ Cambodia accounts: ANZBKHPP
ANZ Vietnam: VNANZP
For Other ANZ Accounts or Non-ANZ accounts please
contact your ANZ representative
*The ledger instance represents the ledger instance number
of the accounting system of the account. It can be alpha-
numeric or blank.
Alpha Mandatory 12
2 Account number Numeric/Alpha Mandatory 24
3 Statement Number
Consecutive number starting with 1 and reset at the start of
a new year.
Numeric Mandatory 5
4 Statement Date
Date transactions were posted to the account.
DD.MM.YY format (e.g. 01.01.11)
Alpha/Numeric Mandatory 8
5 ISO Currency Code
E.g. AUD for Australian Dollar Accounts
Alpha Mandatory 3
6 Beginning Balance
Signed, Opening Balance of this file. Decimal point present
Numeric Mandatory 18
7 Sum of Debits
Unsigned, total value of debits in this file. Decimal point
present
Numeric Mandatory 18
Page 87 of 321
Field Description Alpha/
Numeric
Mandatory/
Optional
Max
Size
8 Sum of Credits
Unsigned, Total value of credits in this file. Decimal point
present
Numeric Mandatory 18
9 Balance bought forward
Signed, closing balance of this file. Decimal point present
Numeric Mandatory 18
10 Account Name
Name of account registered with ANZ
Alpha Mandatory 16
11 Not used – Always NULL Alpha Optional 35
12 Not used – Always NULL Alpha Optional 8
13 Not used – Always NULL Alpha Optional 8
14 Not used – Always NULL Alpha Optional 9
15 Not used – Always NULL Alpha Optional 23
16 Not used – Always NULL Alpha Optional 2
17 Not used – Always NULL Alpha Optional 8
18 Number of records in the transaction file for this account Numeric Mandatory 5
Page 88 of 321
SAP/Multi-cash Transaction File Format
The following table describes the format of the SAP/Multi-cash Transaction file:
Field Description Alpha/
Numeric
Mandatory/
Optional
Max
Size
1 Bank Code
For AU Retail, Corporate/Institutional and V2 Plus accounts,
this will be the BSB of the account.
BSBs will contain a hyphen (-) after the 3rd character.
Format (NNN-NNN)
For NZ Retail, Corporate/Institutional Accounts, the bank
code is the Bank Branch (BB), which are the first 6 digits of
the account number with a hyphen (-) after the 3rd
character. Format (NNN-NNN)
Other account types are as follows:
ANZ MIDANZ accounts
COUNTRY + ACCOUNTING SYSTEM + LEDGER INSTANCE*
(E.g. AUMDZA)
NZ Crossbank accounts
Westpac: NZWPAC
Bank of New Zealand: NZBKNZ
ANZ New Zealand foreign currency accounts: NZNZM
ANZ India accounts: INFIN
ANZ Philippines accounts: PHFIN
ANZ Hong Kong accounts: HKFIN
ANZ Taiwan accounts: TWFIN
ANZ Cambodia accounts: ANZBKHPP
ANZ Vietnam: VNANZP
For Other ANZ Accounts or Non-ANZ accounts please contact
your ANZ representative
*The ledger instance represents the ledger instance of the
accounting system of the account. It can be alpha-numeric
or blank.
Alpha/Numeric Mandatory 12
2 Account number Alpha/Numeric Mandatory 24
3 Statement Number
Consecutive number starting with 1 and reset at the start of
a new year
Numeric Optional 5
4 Statement Date
Date transactions were posted to the account. Format
DD.MM.YY (e.g. 01.01.11)
Alpha/Numeric Mandatory 8
5 Not used – Always NULL Alpha Optional 10
6 Note to Payee 1
Transaction Type.
Please refer to
Appendix A for full list of transaction types
Alpha Optional 27
7 Not used – Always NULL Alpha Optional 27
8 Not used – Always NULL Alpha Optional 4
Page 89 of 321
Field Description Alpha/
Numeric
Mandatory/
Optional
Max
Size
9 Not used – Always NULL Alpha Optional 3
10 Cheque Number\Note to Payee 2
If the transaction relates to a cheque the field will contain
the Cheque Number. Leading zeroes are not include in the
cheque number. For all other transaction types this field
contains the 1st 16 characters of the Note to Payee 2 field.
Alpha/Numeric Optional 16
11 Transaction Amount
Signed, decimal point present
Alpha/Numeric Mandatory 18
12 Not used – Always NULL Alpha Optional 5
13 Sequence Number
Always ‘0’
Numeric Mandatory 1
14 Booking date
Value Date of transaction. Format DD.MM.YY (e.g. 01.01.11)
Alpha/Numeric Mandatory 8
15 Not used – Always NULL Alpha Optional 15
16 Not used – Always NULL Alpha Optional 15
17 Note to Payee 2
18 character reference
Alpha Optional 27
18 Note to Payee 3
1st 27 characters of the Long Statement Narrative
0F1
Alpha Optional 27
19 Note to Payee 4
2nd 27 characters of the Long Statement Narrative
Alpha Optional 27
20 Note to Payee 5
3rd 27 characters of the Long Statement Narrative
Alpha Optional 27
21 Note to Payee 6
4th 27 characters of the Long Statement Narrative
Alpha Optional 27
22 Note to Payee 7
5th 27 characters of the Long Statement Narrative
Alpha Optional 27
23 Note to Payee 8
6th 27 characters of the Long Statement Narrative
Alpha Optional 27
Page 90 of 321
Field Description Alpha/
Numeric
Mandatory/
Optional
Max
Size
24 Note to Payee 9
7th 27 characters of the Long Statement Narrative
Alpha Optional 27
25 Note to Payee 10
8th 27 characters of the Long Statement Narrative
Alpha Optional 27
26 Note to Payee 11
9th 27 characters of the Long Statement Narrative
Alpha Optional 27
27 Note to Payee 12
10th 27 characters of the Long Statement Narrative
Alpha Optional 27
28 Note to Payee 13
10 character Aux Dom.
Alpha Optional 27
29 Note to Payee 14
Trace ID of the transaction
Alpha Optional 27
30 Not used – Always NULL Alpha Optional 27
31 Not used – Always NULL Alpha Optional 27
32 Not used – Always NULL Alpha Optional 12
33 Not used – Always NULL Alpha Optional 24
34 Contains Transaction codes for all accounts
See Appendix A for a list of transaction codes
Note: In some cases Transaction codes can be NULL.
Numeric Optional 3
35 For legacy purposes this field will contain the Transaction
codes for:
ANZ MIDANZ accounts
ANZ New Zealand foreign currency accounts
Other ANZ Accounts
Non-ANZ accounts
NULL for other account types
See Appendix A
for a list of transaction codes
Alpha Optional 3
Page 91 of 321
7.4 BTR SingleFile (Australia only)
Overview
It provides additional data to the BTR file:
Enhanced statement narrative for cheque returned items data
Enhanced statement narrative for direct entry (credit & debit) returned items data
Provides BAI codes in addition to standard Tran-codes
NOTE – the file is not in BAI format.
NOTE: If returned items enhanced narrative is required, your organisation must have returned items
linked and must not be BULK credit user.
Appendix D
describes the improved statement narrative for returned items.
File Naming Convention
BTR Single File files will be named as follows:
File Name: BTRjjjyyss.ANZ
Where: jjj = Julian day number
yy = year
ss = within the day sequence
File Layout
The file consists of the following record types:
Record Type 00—known as File Header
Record Type 10—known as Account Header
Record Type 15—known as Transaction Record
Record Type 50—known as Account Trailer Record
Record Type 99—known as File Trailer Record
All Fields are of fixed length as specified.
File Header
The following table describes the format of the File Header:
Field Name Description Alpha/
Numeric
Mandatory/
Optional
Size Position
Record Type “00” Numeric Mandatory 2 1-2
File Source ‘ANZONLINE” Alpha Mandatory 10 3-12
File Destination “WEBLINK” Alpha Mandatory 10 13-22
Page 92 of 321
Account Header
The following table describes the format of the Account Header:
Field Name Description Alpha/
Numeric
Mandatory/
Optional
Size Position
Record Type “10” Alpha /
Numeric
Mandatory 2 1 – 2
Date Balance Date (YYYYMMDD) Numeric Mandatory 8 3 - 10
Source Indicates the type of account. Left justified,
space filled.
CMM = corporate customer account
MIDANZ = foreign currency account
DATABANK – NZ account
HFR = retail customer account
NZXBNK – ANZ New Zealand account
Alpha Mandatory 8 11- 18
Acc BSB Account BSB if an AUS Domestic Account, or
NZ Domestic Account otherwise blank
Alpha /
Numeric
Mandatory 6 19 - 24
Account
Number
9 digit Account number AU domestic.
9 digit Account number NZ domestic.
Otherwise, 24 character account number.
Alpha /
Numeric
Mandatory 24 25 - 48
Format B = BSB is present in the account number
N = BSB is not present in the account number
Alpha Mandatory 1 49
Statement
Number
First 4 bytes of the Statement Number Numeric Mandatory 4 50 – 53
Account
Name
First 16 Characters of the Account Name Alpha /
Numeric
Mandatory 16 54 - 69
Currency Currency Code (e.g. “AUD”) Alpha Mandatory 3 70 - 72
Page 93 of 321
Field Name Description Alpha/
Numeric
Mandatory/
Optional
Size Position
Opening
Balance
Opening Balance (signed amount). Number of
decimal places will be determined based on
the Currency Code.
There will be an explicit decimal point.
Format:
First character is always either a “+”, which
represents a Credit or a “–“ which represents
a Debit
Right justified
Zero filled.
E.g. AUD $100 credit (CR) would be
represented as:
+000000000100.00
JPY 200 CR
+0000000000000200
Alpha /
Numeric
Mandatory 16 73 - 88
Closing
Balance
Closing Balance (signed amount).
Same rules as described for the Opening
Balance above.
Alpha /
Numeric
Mandatory 16 89- 104
Debit
Movement
Debit Movement (unsigned amount) Number
of decimal places will be based on the
Currency Code. Right justified and zero filled.
Explicit decimal point.
Alpha /
Numeric
Mandatory 15 105 -119
No. Debits Number of Debits Numeric Mandatory 5 120 - 124
Credit
Movement
Credit Movement (unsigned amount) Number
of decimal places will be based on the
Currency Code. Right justified and zero filled.
Explicit decimal point.
Alpha /
Numeric
Mandatory 15 125 – 139
No. Credits Number of Credits Numeric Mandatory 5 140 - 144
DR Rate Interest rate if account is in debit, otherwise
zero.
Unsigned, Right justified and zero filled.
Assumed 3 decimal places.
Alpha /
Numeric
Mandatory 7 145 – 151
Cr Rate Interest rate if account is in credit, otherwise
zero.
Unsigned, Right justified and zero filled.
Assumed 3 decimal places.
Alpha /
Numeric
Mandatory 7 152 - 158
Limit Overdraft Limit (unsigned amount) Right
justified and zero filled. (Note this will be
expressed in AUD, and will be in whole
dollars.)
Alpha
Numeric
Mandatory 15 159 – 173
Page 94 of 321
Field Name Description Alpha/
Numeric
Mandatory/
Optional
Size Position
Dr Int
Accrued
Debit Interest Accrued (unsigned amount)
Right justified and zero filled.
Numeric Mandatory 15 174 – 188
Cr Int
Accrued
Credit Interest Accrued (unsigned amount)
Right justified and zero filled.
Numeric Mandatory 15 189 – 203
FID Accrued Debit Interest Accrued (unsigned amount)
Right justified and zero filled.
Numeric Mandatory 15 204 – 218
BADT
Accrued
Debit Interest Accrued (unsigned amount)
Right justified and zero filled.
Numeric Mandatory 15 219 – 233
Next date Next Processing Date (YYYYMMDD) Numeric Mandatory 8 233 - 241
Transaction Record
The following table describes the format of the Transaction Record:
Field Name Description Alpha/
Numeric
Mandatory/
Optional
Size Position
Record Type “15” Alpha Mandatory 2 1 – 2
Date Date of tranaction (YYYYMMDD) Numeric Mandatory 8 3 – 10
Currency Currency Code (eg “AUD”) Alpha Mandatory 3 11 – 13
Tran Type Transaction type - Refer to Appendix A
Transaction Code to BAI Code Mapping
Alpha Mandatory 10 14 - 23
Reference Transaction reference. Alpha Optional 18 24 – 41
Amount Amount (signed amount)
Number of decimal places will be based on
the Currency Code.
First character is always either a “+”,
which represents a Credit or a “–“ which
represents a Debit
Right justified and zero filled.
(Same rules as per AH10 above)
Numeric Mandatory 16 42 – 57
Narrative Transaction narrative. Alpha /
Numeric
Optional 160 58 – 217
Eff Date Value Date (YYYYMMDD) Numeric Mandatory 8 218 – 225
Trace Id Trace details. Alpha Mandatory 16 226 – 241
Page 95 of 321
Field Name Description Alpha/
Numeric
Mandatory/
Optional
Size Position
Tran Code Tran Code (eg “050”) - Refer to Appendix
A Transaction Code to BAI Code Mapping
Alpha Mandatory 3 242 – 244
Aux Dom Aux_Dom Alpha Optional 10 245 – 254
Ex Aux Dom Ex_Aux_Dom. Alpha Optional 10 255 – 264
BAI Code From Translation - Refer to Appendix A
Transaction Code to BAI Code Mapping
Numeric Mandatory 3 265 – 267
Name of Remitter Name of Remitter. Alpha Optional 16 268 – 283
Lodgement
Reference
Lodgment Reference. Alpha Optional 18 284 – 301
Short Description Transaction Short Description. Alpha Optional 10 302 – 311
Number of
Collection Items
Number of Collection Items Numeric Optional 7 312 - 318
Account Trailer
The following table describes the format of the Account Trailer:
Field Name Description Alpha/
Numeric
Mandatory/
Optional
Size Position
Record Type “50” Numeric Mandatory 2 1-2
Number of
Records
Number of Transaction records for this
account. (type 15)
Numeric Mandatory 8 3-10
File Trailer
The following table describes the format of the File Trailer:
Field Name Description Alpha/
Numeric
Mandatory/
Optional
Size Position
Record Type “99” Numeric Mandatory 2 1-2
Number of
Records
Number of Account records. (Type 10) Numeric Mandatory 8 3-10
Page 96 of 321
8 RETURNED ITEMS FILES (AUSTRALIA ONLY)
8.1 Introduction
The Returned Items File export consists of 3 separate files:
Returned Cheques deposited to accounts that have not been paid by the Drawer's bank.
Returned Direct Payments — Debits that have been initiated electronically to draw funds from
your clients, and which could not be effected by the receiving bank.
Returned Direct Payments — Credits that have been initiated electronically to send funds to
your Payees, and which could not be effected by the receiving bank.
Note: Returned items enhanced narrative is available in the BTR CSV and SAP/Multicash file formats
for customers with returned items and are not a BULK user.
8.2 File Naming Convention
Returned Items files are named as follows:
File Name: Cjjjyynn
Djjjyynn
Qjjjyynn
Where: C/D/Q = file type
C = Credit Direct Entry Items
D = Debit Direct Entry Items
Q = Cheque Items
jjj = Julian day number
yy = last 2 digits of year
nn = running sequence
8.3 Returned Items File Layout
Each Returned Items file will contain the following fixed length records:
Header Record
Detail Record for each returned item
Trailer Record
All fields are left justified right space filled unless indicated otherwise.
Page 97 of 321
Header Record – Returned Direct Debits and Credits
The following table describes the format of the Header Record for Returned Direct Debits and Direct
Credits:
Field
Name
Description/Notes Alpha/
Numeric
Mandatory/
Optional
Size Position
Identifier Header
Always ‘1’
Numeric
Mandatory 1 1
Description Description of items
Always ‘Returned Items’
Left-justified, blank-filled
Alpha
Mandatory 30 2–31
Item Type Always ‘Direct Entry’ Alpha Mandatory 12 32–43
Version Version No. of file format
Always ‘0001’
Right-justified, zero-filled.
Numeric
‘0001’
Right-justified,
zero-filled.
Mandatory 4 44–47
Date Date returned item(s) processed
DD-MM-YYYY format. (e.g.01-01-2011)
Alpha-numeric Mandatory 10 48–57
Reserved Blank Filled Alpha Mandatory 257 58–314
Detail Record – Returned Direct Debits and Credits
The following table describes the format of the Detail Record for Returned Direct Debits and Credits:
Field Name Description/Notes Alpha/
Numeric
Mandatory/
Optional
Size Position
Identifier Item Type identifier
‘2’ = Returned Credit
‘3’ = Retuned Debit
Numeric
Mandatory 1 1
Return Date Date item was returned by Account
Holder’s Financial Institution
DD-MM-YYYY format. (01-01-2011)
Numeric
Mandatory 10 2–11
Account Name Name of account to which Returned
Items are directed
Left-justified, blank-filled
Alpha-
numeric
Mandatory 16 12–27
BSB Number Bank/State/Branch No. of account to
which Returned Items are directed
Numeric Mandatory 6 28–33
Account Number Account No. of account to which
Returned Items are directed
Right-justified, blank-filled
Alpha-
numeric
Mandatory 21 34–54
Reserved Blank-filled Alpha Mandatory 14 55–68
Page 98 of 321
Field Name Description/Notes Alpha/
Numeric
Mandatory/
Optional
Size Position
Lodgement Date Date the item was initially submitted
DD-MM-YYYY format. (01-01-2011)
Numeric
Optional 10 69–78
Lodgement
Reference
Lodgement Reference Field data as
initially submitted
Right-justified, blank-filled
Alpha-
numeric
Mandatory 18 79–96
Remitter Name of Remitter Field data as
initially submitted
Left-justified, blank-filled
Alpha-
numeric
Mandatory 16 97–112
Target Account
Name
Account Name as initially submitted
Left-justified, blank-filled
Alpha-
numeric
Mandatory 32 113–144
Target Account
BSB
BSB of returned transaction as initially
submitted
Numeric Mandatory 6 145–150
Target Account
Number
Account No. of returned transaction as
initially submitted
Right-justified, blank-filled
Alpha-
numeric
Mandatory 21 151–171
Amount Amount of item with decimal point
Right-justified, zero-filled
Numeric,
unsigned
Mandatory 14 172–185
Return Reason
Text
Reason for the returned item Alpha-
numeric
Mandatory 60 186–245
Return Reason
Code
Code to identify the reason for the
return
Alpha-
numeric
Mandatory 3 246–248
User
Identification
Number
User Identification Number under
which returned item was lodged
Right-justified, zero-filled
Numeric
Mandatory 6 249–254
Reserved Blank filled Alpha Mandatory 6 255–260
Reserved Blank filled Alpha Mandatory 21 261–281
Transaction
Identifier
System Identification No. allocated to
returned item
Zero-filled
Numeric
Mandatory 12 282–293
Reserved Blank-space filled Alpha Mandatory 21 294–314
Trailer Record – Returned Direct Credits and Debits
The following table describes the format of the Trailer Record for Returned Direct Credits and Debits:
Field Name Description/Notes Alpha/
Numeric
Mandatory/
Optional
Size Position
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Identifier Totals
Always ‘9’
Numeric
Mandatory 1 1
Item count Sum of Detail Records
Right-justified, zero-filled
Numeric
Mandatory 9 2–10
Value Total Sum of value of Detail Records with
decimal point
Right-justified, zero-filled
Numeric
Mandatory 16 11–26
Reserved Blank-space filled Alpha Mandatory 288 27–314
Header Record – Retuned Cheques
The following table describes the format of the Header Record for returned cheques:
Field Name Description/Notes Alpha/
Numeric
Mandatory/
Optional
Size Position
Identifier Header
Always ‘1’
Numeric
Mandatory 1 1
Description Description of items
Always ‘Returned Items’
Left-justified, blank-filled
Alpha
Optional 30 2–31
Item Type Always ‘CHEQUE’
Left-justified, blank-filled
Alpha
Optional 12 32–43
Version Version no. of file format
Always ‘0001’
Right-justified, zero-filled
Numeric
Mandatory 4 44–47
Date Date returned item processed
DD-MM-YYYY format. (e.g. 01-01-
2011)
Numeric
Mandatory 10 48–57
Reserved Blank-space filled Alpha Mandatory 257 58–314
Detail Record – Retuned Cheques
The following table describes the format of the Detail Record for returned cheques:
Field Name Description/Notes Alpha/
Numeric
Mandatory/
Optional
Size Position
Identifier Item Type identifier
Always ‘4’ (Cheque)
Numeric
Mandatory 1 1
Page 100 of 321
Field Name Description/Notes Alpha/
Numeric
Mandatory/
Optional
Size Position
Return Date Date item was returned by Drawer’s
financial institution
DD-MM-YYYY format. (e.g. 01-01-
2011)
Numeric
Mandatory 10 2–11
Deposit
Account Short
Name
Name of account to which returned
cheque was deposited
Left-justified, blank-filled
Alpha-numeric
Mandatory 16 12–27
Deposit BSB
Number
BSB No. of account to which returned
cheque was deposited
Numeric Mandatory 6 28–33
Deposit
Account
Number
Account no. of account to which
returned cheque was deposited
Right-justified, blank-filled
Alpha-numeric Mandatory 21 34–54
Deposit
Amount
Total amount of deposit with decimal
point
Right-justified, zero-filled
Numeric,
unsigned
Decimal point
Right-justified,
zero-filled
Mandatory 14 55–68
Deposit Serial
No.
Agent no. specified on deposit [if
present]
Right-justified, blank-filled
Numeric
Optional 13 69–81
Deposit Date Date the item was initially deposited. Numeric
DD-MM-YYYY
format.
Hyphens are a
fixed
component
Mandatory 10 82–91
Cheque number Cheque serial no
Right-justified, zero-filled
Numeric
Mandatory 9 92–100
Reserved Blank filled Alpha Mandatory 11 101–111
Drawer Account
name
Account name linked to returning
cheque
Left-justified, blank-filled
Alpha-numeric Mandatory 60 112–171
Drawer Account
BSB
BSB of returned cheque Numeric Mandatory 6 172–177
Drawer Account
number
Account number of the returned
cheque
Right-justified, blank-filled
Alpha-numeric Mandatory 21 178–198
Amount Amount of cheque with decimal point
Right-justified, zero-filled, unsigned
Numeric
Mandatory 14 199–212
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Field Name Description/Notes Alpha/
Numeric
Mandatory/
Optional
Size Position
Return Reason
Text
Reason for the returned item
Left-justified, blank-filled
Alpha-numeric Mandatory 60 213–272
Return Reason
Code
Code to identify the reason for the
return
Alpha or
Numeric
Mandatory 3 273–275
Reversal
Account BSB
BSB of account to which the returned
cheque value was placed
Numeric Mandatory 6 276–281
Reversal
Account
Number
Account no. of account to which
returned cheque value was placed
Right-justified, blank-filled
Alpha-numeric Mandatory 21 282–302
Transaction ID
Number
System identification number
allocated to returned cheque
Right-justified, blank-filled
Alpha-numeric Mandatory 12 303–314
Trailer Record – Returned Cheques
The following table describes the format of the Trailer Record for returned cheques:
Field
Name
Description/Notes Alpha/
Numeric
Mandatory/
Optional
Size Position
Identifier Always ‘9’ Numeric
Mandatory 1 1
Item count Sum of Detail Records
Right-justified, zero-filled
Numeric
Mandatory 9 2–10
Value Total Sum of value of Detail Records with
decimal point
Right-justified, zero-filled
Numeric
Mandatory 16 11–26
Reserved Blank-space filled Alpha Mandatory 288 27–314
Return Reason Codes – Returned Direct Debits/Credits
Each returned Direct Debit and Direct Credit will contain a 3-digit code identifying the reason for the
return. Codes and their related narrative are as follows:
Return Code Return Reason
001 Invalid BSB Number
002 Payment Stopped
003 Account Closed
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Return Code Return Reason
004 Customer Deceased
005 No account or incorrect account number
006 Refer to customer
008 Invalid User ID Number
009 Technically invalid
Return Reason Codes – Returned Cheques
Each returned cheque will contain a three digit code identifying the reason for the return. Codes and
their related narrative are as follows:
Return Code Return Reason
914 Account Closed
915 Account transferred
916 Alteration requires Drawer’s initials
917 Alteration requires Drawer’s signature
918 Another signature mandatory
919 Arrangements incomplete
920 Drawer deceased
923 Drawer’s signature mandatory
924 Effects not clear
926 Item not yet to hand
927 Mutilated
928 Not signed in accordance with authority held
929 Payment stopped
930 Payment stopped—awaiting confirmation
931 Post-dated
932 Refer to Drawer [Insufficient funds]
933 Refer to Drawer [Legal requirement]
936 Signature unknown
937 Signature unlike specimen held
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Return Code Return Reason
938 Stale [over 15 months old]
939 Turned-back item [Failure to settle]
940 Duplicate Item
941 Un-processable Item
942 No Account
943 Not Authorised
944 Drawers confirmation mandatory, please represent
951 Forged or counterfeit instrument
952 Instrument materially altered
953 Instrument lost or stolen
954 Court order restraining payment
955 Failure of consideration for the issue of a bank cheque
957 AUD instrument not payable in Australia
958 Photocopied Item
Page 104 of 321
9 BTR FILE FORMATS (ANZ TRANSACTIVE)
9.1 Introduction
ANZ also supports the use of ISO20022 XML messages. Please refer to your ANZ representative for
details.
This statement reporting service provides customers with balance and transaction reporting in
various formats. ANZ’s statement reporting transactions are created under ASCII Character sets.
Where a text field contains a comma in the data, the field must have double quote (“) at either
end of the field.
Note: Returned items enhanced narrative is available for customers with CSV or Multi cash
formats. Your organisation must have returned items linked and must not be BULK user.
Data Source: This section relates to Balance and Transaction file formats where the data source
is ANZ Transactive.
Appendix D
describes the narrative for enhanced returned items reporting.
9.2 CSV File Format
File Naming Convention
File Name: Bjjjyynn
Tjjjyynn
Where: B refers to the balance file
T refers to the transaction file
jjj = Julian calendar day of the creation date—data within file may differ
yy = last 2 digits of year
nn is a sequential number
E.g. B0100301 Balance data for 10th Jan 2003
T0100301 Transaction data for 10th Jan 2003
File Layout
The CSV File format consists of 2 separate files, a balance file that contains balance records for
accounts and a transaction file that contains transaction records for accounts.
File Format – Balance Record
The Comma Separated Variable (CSV) file reports the below balance information separated by a
comma (,).
Field Description Alpha/
Numeric
Mandatory/
Optional
Max
Size
1 Balance Date
Format DD-MMM-YYYY
Alpha Mandatory 11
2 Account Number
BSB and Account Number
Alpha Mandatory 20
Page 105 of 321
Field Description Alpha/
Numeric
Mandatory/
Optional
Max
Size
3 Source of Account
ANZ’s host system
CMM = corporate customer account
MIDANZ = foreign currency account
DATABANK – NZ account
HFR = retail customer account
NZXBNK – ANZ National Bank account
V2 = V2 PLUS Wholesale account
Alpha Mandatory 8
4 Account Format
Indicates if there is a BSB present
Alpha Mandatory 1
5 Account Name
Name of account registered with ANZ
Alpha Optional 16
6 Currency Code
e.g. AUD
Alpha Mandatory 3
7 Opening Balance
Signed, decimal point present
Numeric Mandatory 24
8 Closing Balance
Signed, decimal point present
Numeric Mandatory 24
9 Debit Total
Unsigned, Decimal point present
Numeric Mandatory 24
10 Number of Debits Numeric Mandatory 5
11 Credit Total
Unsigned, Decimal point present
Numeric Mandatory 24
12 Number of Credits Numeric Mandatory 5
13 Debit Interest Rate
To 4 decimal places
Numeric Optional 7
14 Credit Interest Rate
To 4 decimal places
Numeric Optional 7
15 Overdraft Limit
Unsigned, Decimal Point present
Numeric Optional 20
Page 106 of 321
Field Description Alpha/
Numeric
Mandatory/
Optional
Max
Size
16 Debit Interest Accrued
Unsigned, Decimal Point present
Numeric Optional 20
17 Credit Interest Accrued
Unsigned, Decimal Point present
Numeric Optional 20
18 FID Accrued
Unsigned, Decimal Point present
Numeric Optional 20
19 BAD Tax Accrued
Unsigned, Decimal Point present
Numeric Optional 20
20 Next processing date
Format DD-MMM-YYYY
Alpha Optional 11
Page 107 of 321
File Format – Transaction Record
The Comma Separated Variable (CSV) file reports the below transaction information separated by a
comma (,).
Field Description Alpha/
Numeric
Mandatory/
Optional
Max
Size
1 Transaction Date
Format DD-Mmm-YYYY (e.g. 01-Jan-2011)
Alpha Mandatory 11
2 Account Number
BSB and Account Number
Alpha Mandatory 20
3 Source of Account
ANZ’s host system
CMM = corporate customer account
MDZXXN = Foreign Currency Account where XX is the 2 digit
ISO Country Code and N is the 1 digit Ledger Instance (eg.
MDZAUA for Australian Domiciled Foreign Currency Account)
DATABANK = NZ account
HFR = retail customer account
NZXBNK = ANZ National Bank account
V2 = V2 PLUS Wholesale account
Alpha Mandatory 8
4 Account Format
Indicates if there is a BSB present in account number in field 2
Alpha Mandatory 1
5 Account Name
Name of account registered with ANZ.
Alpha Optional 16
6 ISO Currency Code
E.g. AUD
Alpha Mandatory 3
7 Sub Account Name
Only used if present
Alpha Optional 16
8 Short Description of transaction
E.g. Cheque, Payment, Transfer etc.
Refer to Appendix B for full list
Alpha Mandatory 10
9 Reference
E.g. Cheque Number, Invoice Number etc.
Alpha
Optional 18
10 Transaction Amount
Signed, decimal point present
Numeric Mandatory 22
11 Narrative
160 character narrative.
Alpha
Optional 160
Page 108 of 321
Field Description Alpha/
Numeric
Mandatory/
Optional
Max
Size
12 Value Date
Format DD-Mmm-YYYY. (e.g. 01-Jan-2011)
Can be different to transaction date if backdated
Alpha Mandatory 11
13 Trace ID
ANZ Internal trace line
Alpha Mandatory 16
14 Tran Code
3-digit transaction code. See Appendix B for list of transaction
codes
Alpha Mandatory 3
15 Aux Dom
This carries additional information about the transaction. See
Appendix B for full list of Aux Doms
Alpha Optional 10
9.3 Multicash File Format – SAPGen
File Naming Convention
File Name: Bjjjyynn
Tjjjyynn
Where: B refers to balance
T refers to transactions
jjj = julian calendar day of the creation date—data within file may differ
yy = last 2 digits of y ear
nn is a sequential number
E.g. B0100301 Balance data for 10th Jan 2003
T0100301 Transaction data for 10th Jan 2003
File Layout
The SAPGen File format consists of 2 separate files, a balance file that contains balance records for
accounts and a transaction file that contains transaction records for accounts.
SAPGen displays balance and transaction records separated by a semi-colon (;).
1 balance file and 1 transaction file is produced per day on all accounts registered to the same source.
E.g. CMM = 1 balance and 1 transaction file per day containing information for 1 or more accounts.
HFR = 1 balance and 1 transaction file per day containing information for 1 or more accounts.
Balance Record
Field Description Alpha/
Numeric
Mandatory/
Optional
Max
Size
1 Bank Code
The BSB of the account. Format NNN-NNN (hyphen between
the 3rd and 4th characters)
Alpha Mandatory 12
Page 109 of 321
Field Description Alpha/
Numeric
Mandatory/
Optional
Max
Size
2 Account number Alpha-
numeric
Mandatory 24
3 Statement Number
Consecutive number starting with 1 and reset at the start of a
new year.
Numeric Mandatory 5
4 Statement Date
Date transactions were posted to the account. Format
DD.MM.YY (includes dots between dd/mm and mm/yy)
Alpha-
numeric
Mandatory 8
5 Currency
E.g. AUD for Australian Dollar Accounts
Alpha Mandatory 3
6 Beginning Balance
Signed, Opening Balance of this file
Numeric Mandatory 18
7 Sum of Debits
Unsigned, total value of debits in this file
Numeric Mandatory 18
8 Sum of Credits
Unsigned, Total value of credits in this file
Numeric Mandatory 18
9 Balance bought forward
Signed, closing balance of this file
Numeric Mandatory 18
10 Account Name
Name of the Account as per the registration
Alpha 35
11 Unused Alpha 35
12 Unused Alpha 8
13 Unused Alpha 8
14 Unused Alpha 9
15 Unused Alpha 23
16 Unused Alpha 2
17 Unused Alpha 8
18 Number of records in the transaction file for this account Numeric Mandatory 5
Page 110 of 321
Transaction Record
Field Description Alpha/
Numeric
Mandatory/
Optional
Max
Size
1 Bank Code
The BSB of the account. Format NNN-NNN (hyphen between
the 3rd and 4th characters)
Alpha-numeric Mandatory 12
2 Account number Alpha-numeric Mandatory 24
3 Statement Number
Consecutive number starting with 1 and reset at the start of
a new year
Numeric Optional 5
4 Statement Date
Date transactions were posted to the account. Format
DD.MM.YY (includes dots between dd/mm and mm/yy)
Alpha-numeric Mandatory 8
5 Unused Alpha 10
6 Note to Payee 1
Transaction Type. Refer
Appendix B
Alpha Optional 27
7 Unused Alpha 27
8 Unused Alpha 4
9 Unused Alpha 3
10 Cheque Number\Note to Payee 2
If cheque can be either 6 or 9 significant digits for a cheque
number. Leading zeros are included to make up 6 or 9 digits.
For all other transaction types. This field contains the 1st 16
characters of the Note to Payee 2 field.
Alpha-numeric Optional 16
11 Transaction Amount
Signed
Alpha-numeric Mandatory 18
12 Unused Alpha 5
13 Sequence Number
Value 0 (zero)
Numeric Mandatory 1
14 Booking date
Date of transaction. Format DD.MM.YY (includes dots
between dd/mm and mm/yy)
Alpha-numeric Mandatory 8
15 Unused Alpha 15
Page 111 of 321
Field Description Alpha/
Numeric
Mandatory/
Optional
Max
Size
16 Unused Alpha 15
17 Note to Payee 2
18 character reference
Alpha Optional 27
18 Note to Payee 3
1st 27 characters of the Long Statement Narrative
Alpha Optional 27
19 Note to Payee 4
2nd 27 characters of the Long Statement Narrative
Alpha Optional 27
20 Note to Payee 5
3rd 27 characters of the Long Statement Narrative
Alpha Optional 27
21 Note to Payee 6
4th 27 characters of the Long Statement Narrative
Alpha Optional 27
22 Note to Payee 7
5th 27 characters of the Long Statement Narrative
Alpha Optional 27
23 Note to Payee 8
6th 27 characters of the Long Statement Narrative
Alpha Optional 27
24 Note to Payee 9
7th 27 characters of the Long Statement Narrative
Alpha Optional 27
25 Note to Payee 10
8th 27 characters of the Long Statement Narrative
Alpha Optional 27
26 Note to Payee 11
9th 27 characters of the Long Statement Narrative
Alpha Optional 27
27 Note to Payee 12
10th 27 characters of the Long Statement Narrative
Alpha Optional 27
28 Note to Payee 13
10 character Aux Dom.
Alpha Optional 27
29 Note to Payee 14
Trace ID of the transaction
Alpha Optional 27
30 Unused Alpha 27
31 Unused Alpha 27
Page 112 of 321
Field Description Alpha/
Numeric
Mandatory/
Optional
Max
Size
32 Unused Alpha 12
33 Unused Alpha 24
34 Transaction Code
Bank Transaction Code. See
Appendix B
Numeric Mandatory 3
35 Unused Alpha 6
Page 113 of 321
9.4 BAI File
Introduction
A BAI formatted file will be generated using the BAI 2.0 standard.
If a file is manually generated and there are no account or transaction details available an empty file
will be created. An empty BAI file will only contain a 01 (Header) and a 99 (Trailer) record.
If the file is system generated:
• No file(s) will be created if no balance and/or transaction details are available.
Each line in a BAI formatted file has a maximum length of 80 characters.
Reserved Characters
Commas (,) and slashes (/) are used only as delimiters in the BAI Export format:
• Comma (,) delimits fields.
• Slash (/) delimits the end of the logical record.
Adjacent delimiters such as comma-comma (,,) or comma-slash (,/) identify defaulted
or unspecified fields.
Where records contain commas or slashes, they will be replaced so as not to confuse
the characters with delimiters as follows:
If a field value contains a comma (,) it will be replaced with a space ( )
If a record contains a slash (/) it will be replaced with a hyphen (-)
Page 114 of 321
File Layout
The following table describes the layout of a BAI formatted file
Record
Type
Record Name Description/ Notes Mandatory/
Optional
01 File Header Indicates the beginning of the file.
There is only one File Header record per BAI file
Mandatory
02 Group Header Identifies a group of accounts for each originating
financial institution per post-date in the file.
There may be more than one Group Header record per
file. Additional Group Header records will follow the
Group Trailer (98) record of the previous group in the
file.
Optional
03 Account Identifier
and Summary Status
Identifies each account number and reports account
summary and account balance status items.
There will be one Account Identifier and Summary Status
record for each account number requested.
There may be many Account Identifier and Summary
Status records for each Group Header (02) record in the
file.
Optional
16 Transaction Detail Reports transaction detail.
There may be many Transaction Detail records for each
Account Identifier and Summary Status (03) record in
the file
Optional
88 Continuation Record Used if the data in any record exceeds the physical
record size (80 characters) or needs to be divided for
any reason.
There may be many continuation records in a BAI file.
Note: A continuation (88) record can follow any record
type, including another continuation (88) record. It will
not necessarily follow a transaction (16) record – it has
been included in here to illustrate a possible BAI file
layout only.
Optional
49 Account Trailer Provides account level control totals.
There will be one Account Trailer per Account Identifier
and Summary Status (03) record.
Optional
98 Group Trailer Provides group level control totals.
There will be one Group Trailer record per Group Header
(02) record.
Optional
99 File Trailer Indicates the end of the logical file.
There is only one File Trailer (99) record per BAI file.
Mandatory
Important: The above table depicts a simple BAI file layout with only one instance of each record
type. Some records may appear multiple times in a single BAI export – please refer to
Description/Notes above and the record formats that follow.
Page 115 of 321
File Header Record
The file header record marks the beginning of the file, identifies the sender and receiver of the
transmission and describes the file’s structure.
Only one ‘01 - File Header record’ will be written per BAI file.
The following table describes the format of the File Header Record.
Field Description Comments Mandatory/
Optional
1 Record Code Always ‘01’ Mandatory
2 Sender Identification Default value ‘ANZ’ Mandatory
3 Receiver Identification ANZ Transactive Customers will see:
User Group ID
Fileactive Customers will see:
Generic User Group ID
Mandatory
4 File Creation Date Sender date.
YYMMDD.
Mandatory
5 File Creation Time Server time and time-zone.
HHMM 24 hour format.
Mandatory
6 File Identification Number Identification number defined by the sender. The
number will be new for each file with the same file
creation date. Used to identify uniquely those files
transmitted between a sender and a receiver on a
given date.
Mandatory
7 Reserved Not used Optional
8 Reserved Not used Optional
9 Version Number Always ‘2’. Mandatory
10 Delimiters Always ‘/’. Mandatory
Group Header Record
The Group Header identifies a group of accounts, all of which are from the same originator on the
same date.
Only one ‘02 - Group Header Record’ will be written for each Bank Code per Post Date in the BAI file.
The following table describes the format of the Group Header Record.
Field Description Comments Mandatory/ Optional
1 Record Code Always ‘02’. Mandatory
Page 116 of 321
Field Description Comments Mandatory/ Optional
2 Ultimate Receiver
Identification
Always blank Optional
3 Original Identification Originating Bank BIC. Mandatory
4 Group Status Always ‘1’. Mandatory
5 As-of-Date The post date of items included in this
Group.
YYMMDD
Mandatory
6 As-of-Time HHmm – set to 0000 Mandatory
7 Reserved Not Used – Always blank Optional
8 As-of-Date Modifier Always ‘2’. Optional
9 Delimiters Always ‘/’. Mandatory
Account Identifier and Summary Status Record
This record identifies the account number and/or reports account summary and account balance
status items. Summary information may be accompanied by an item count.
At least one 03 Account Identifier and Summary Status record will be written for each account number
requested.
Type 03 records may report several different status and/or summary amounts for the same account.
For example, a single 03 record might report ledger balance and available balance as well as the
amount, item count and funds type for total credits and total debits. The ‘Type Code’, ‘Amount’,
‘Item Count’ and ‘Funds Type’ fields are repeated to identify each status or summary type.
The following table describes the format of the Account Identifier and Summary Record:
Field
Description Comments Mandatory/
Optional
1 Record Code Always ‘03’ Mandatory
2 BSB and Account Number BSB and Account number at originator financial
institution.
The field is alphanumeric and includes significant leading
zeroes.
Mandatory
3 Currency Code Currency code from the item. Mandatory
Page 117 of 321
Field
Description Comments Mandatory/
Optional
4 Type Code Identifies the type of summary of status data. Default
indicates that no status or summary data are being
reported.
Type Code Ranges:
010-099 : Account status type codes
100: Total credits summary type code
101-399: Credit summary and detail type codes
400: Total debits summary type code
401-699: Debit summary and detail type codes
900-999: Customized type codes
Refer to Appendix B for full list of BAI codes
Optional
5 Amount Decimal places are implied based on Currency Code.
Status amounts are signed positive + or negative -.
Default of sign is positive.
Summary amounts may only be positive or unsigned.
Default of field indicates that no amount is being
reported.
Optional
6 Item Count Integer field. Default is ‘unknown’.
For summary type codes only; will be defaulted for
status type codes.
Optional
7 Funds Type Always null Optional
8 Reserved Not used Optional
9 Reserved Not used Optional
10 Reserved Not used Optional
11 Delimiters Always ‘/’. Mandatory
Transaction Detail Record
This record reports transaction details with the accompanying text and reference numbers.
Only one ‘16 - Transaction Detail Record’ will be written for each item available for each requested
account.
The following table describes the format of the Transaction Detail Record:
Field Description Comments Mandatory/
Optional
1 Record Code Always ‘16’. Mandatory
Page 118 of 321
Field Description Comments Mandatory/
Optional
2 Type Code Identifies the type of detail data (e.g. 399, 699, etc.)
Refer to Appendix B for full list of BAI codes
Mandatory
3 Amount Decimal places are implied based on the Currency Code
in the Group Header (02) or Account Identifier (03)
record.
Always positive (unsigned) and expressed without a
decimal.
Default indicates that no amount is being reported.
Optional
4 Reserved Not Used Optional
5 Bank Reference Number Alphanumeric field defined by the originator. Will not
contain a comma (,) or slash (/).
Optional
6 Customer Reference
Number
Alphanumeric field defined by the originator. Will not
contain a comma (,) or slash (/).
Optional
7 Text Alphanumeric field defined by the originator. Will not
begin with a slash (/), but may contain a comma (,) or
a slash (/) after the first character.
Optional
8 Delimiters Always ‘/’. Mandatory
Continuation Record
If the data in any type of record exceeds the physical record size (80 characters), or if dividing the
record is desirable for any other reason, an 88 Continuation Record allows the data to continue in the
same format.
A Continuation Record may follow any type of record, including another continuation (88).
The following table describes the format of the Continuation Record:
Field Description Comments Mandatory/
Optional
1 Record Code Always ‘88’ Mandatory
2 (Next Field) The Record Code field is followed by a continuation of the
preceding record. The format is exactly the same as in the
preceding record.
If the preceding record ended within a text field, the text
continues in the 88 record. If the preceding record did not end
within a text field, the 88 record continues with whatever field
follows the final field in the preceding physical record.
If a non-text field begins in one record, it will be completed in
that record. The following 88 record may continue with the
next field.
Optional
Page 119 of 321
Field Description Comments Mandatory/
Optional
3 Delimiters Delimiters are the same as for the preceding record. If the
preceding physical record does not end within a text field, it will
end with the delimiter slash (/), even if the following
continuation (88) includes or begins with text. If the preceding
physical record ends within text that is to be continued, no
delimiter will be placed at the end of that record.
Mandatory
Account Trailer Record
The Account Trailer Record provides account level control totals. There will be a 49 Account Trailer
Record for each 03 record.
All 16 and 88 records between the 03 record and the 49 record refer to the account identified in the
03 record.
One ‘49 - Account Trailer Record’ will be written for each requested account.
The following table describes the format of the Account Trailer Record:
Field
Description Comments Mandatory/
Optional
1 Record Code Always ‘49’ Mandatory
2 Account Control Total Sum of all Amount fields in the preceding type 03
records and all type 16 and 88 records associated with
that account.
The total does not include amounts reported in Funds
Type or Item Count fields.
This field includes the sign + or - for the total. If no
sign precedes the total, the default is positive.
Mandatory
3 Number of Records Integer. The total number of records in the account,
including the 03 records and all 16 and 88 records, and
including this account trailer 49 record.
Mandatory
4 Delimiters Always ‘/’. Mandatory
Page 120 of 321
Group Trailer Record
The Group Trailer Record provides group level control totals. There will be a 98 Group Trailer Record
for each 02 record.
One ‘98 - Group Trailer Record’ will be written for each Bank Code per Post Date.
The following table describes the format of the Group Trailer Record:
Field
Description Comments Mandatory/
Optional
1 Record Code Always ‘98’. Mandatory
2 Group Control Total Sum of account control totals from the BAI 49 records.
This field includes the sign (+ or -) for the total. If no
sign precedes the total, the default is positive
Mandatory
3 Number of Accounts Integer. The total number of 03 records in this group. Mandatory
4 Number of Records Integer. The total number of all records written for this
group, including 02, 03, 16, 88, 49 and this 98 record.
Mandatory
5 Delimiters Always ‘/’. Mandatory
File Trailer Record
The File Trailer Record indicates the end of the logical file.
One ‘99 - File Trailer Record’ will be written per BAI file.
The following table describes the format of the File Trailer Record:
Field
Description Comments Mandatory/ Optional
1 Record Code Always ‘99’. Mandatory
2 File Control Total
Sum of group control totals from the BAI 98 records.
This field includes the sign (+ or -) for the total. If
no sign precedes the total, the default is positive
Mandatory
3 Number of Groups Integer. The total number of 02 records in this file. Mandatory
4 Number of Records Integer. The total number of all records written for
this file, including 01, 02, 03, 16, 88, 49, 98 and
this 99 record.
Mandatory
5 Delimiters Always ‘/’. Mandatory
Page 121 of 321
9.5 NZ Statement Files (New Zealand Domestic Accounts only)
Introduction
The extract is made up of two different files:
• Balance file, containing one or more balance records
• Transaction file. For each account, the Transaction File contains the following within each date:
o ‘3’ (Transaction Record) (one or more)
o ‘5’ (Opening Balance Record)
o ‘6’ (Closing Balance Record)
o ‘8’ (Total Debits/Credits Record)
• The Transaction file also contains:
o ‘9’ (Grand Total Debits/Credits Record)
o There are two of these records for each date, one for debit transactions and one for credit
transactions. These records are the total of all the accounts for the date.
NZ Statement Files are in standard comma delimited format. All fields are separated by commas and
alphanumeric fields are delimited by double quotes (“”). All records are separated by a carriage return
/ line feed character.
If the file is manually generated:
• It will contain balance and transaction records based on the selection criteria.
• An empty file(s) containing no records will be created if no balances and transactions are
available.
If the file is scheduled:
• It will contain balance and transaction records.
• An empty file(s) containing no records will be created if no balances and transactions are
available.
NZ Statement File(s) – Balance File
There is one Balance Record for each account within each date.
Field Description/ Notes Alpha/
Numeric
Mandatory/
Optional
Max
Length
Corporate
ID
CMS ID (Account Group identifier for Bank Use Only)
If account number begins with 06, populate with 666666
else, populate with 111111
Numeric Mandatory 6
Account
Number
Identifies the account.
If account is 20 digits, export in format “BB-BBBB-
AAAAAAAAAA-SSSS” (with quotes).
Otherwise, export in format “BB-BBBB-AAAAAAA-SS” (with
quotes)
Alpha-
numeric
Mandatory 25
Opening
Balance
Opening Balance amount for the account
Preceded by sign (- for debit, blank for credit) + 9 numeric
+ Decimal Point + 2 Decimal Places
Numeric Mandatory 13
Page 122 of 321
Field Description/ Notes Alpha/
Numeric
Mandatory/
Optional
Max
Length
Total Debit
Transactions
The total amount of all the debit transactions on the account
Preceded by sign (- ) + 9 numeric + Decimal Point + 2
Decimal Places
Numeric Optional 13
Total Credit
Transactions
The total amount of all the credit transactions on the
account
9 numeric + Decimal Point + 2 Decimal Places
Numeric Optional 13
Closing
Balance
Closing Balance amount for the account
Preceded by sign (- for debit, blank for credit) + 9 numeric
+ Decimal Point + 2 Decimal Places
Numeric Mandatory 13
Transaction
Date
Date transaction occurred
Format DD/MM/YYYY (with quotes)
Alpha-
numeric
Mandatory 10
Short Name Client defined account name Alpha-
numeric
Mandatory 20
NZ Statement File(s) – Transaction File
One transaction record will be created for each transaction associated with each account, within each
date.
Transaction Record - Type 3
Field Description/ Notes Alpha/
Numeric
Mandatory/
Optional
Max
Length
Record Type Identifies the record type
Populate with 3
Numeric Mandatory 1
Corporate ID CMS ID (Account Group identifier for Bank Use Only)
If account number begins with 06, populate with
666666 else, populate with 111111
Numeric Mandatory 6
Account Number Identifies the account.
If account is 20 digits, export in format “BB-BBBB-
AAAAAAAAAA-SSSS” (with quotes).
Otherwise, export in format “BB-BBBB-AAAAAAA-SS”
(with quotes)
Alpha-
numeric
Mandatory 25
Transaction
Amount
Preceded by sign (- for debit, blank for credit) + 9
numeric + Decimal Point + 2 Decimal Places
Numeric Mandatory 13
Page 123 of 321
Field Description/ Notes Alpha/
Numeric
Mandatory/
Optional
Max
Length
Serial Number Serial Number Numeric Optional 12
Transaction
Code
The Code given to the transaction as identification
e.g. 000 = debit
Numeric Mandatory 3
Source Code The Type of transaction
e.g. AP = Automatic Payment (with quotes)
Alpha-
numeric
Optional 2
Particulars
Statement Details (with quotes)
Alpha-
numeric
Optional
17
Analysis Code
Statement Details (with quotes)
Alpha-
numeric
Optional
12
Reference
Statement Details (with quotes)
Alpha-
numeric
Optional
12
Other Party
Name
Name of the Other Party to the transaction (with
quotes)
Alpha-
numeric
Optional
20
Transaction
Date
Date transaction occurred.
In format DD/MM/YYYY (with quotes)
Alpha-
numeric
Mandatory
10
Null
Empty Field
N/A
Mandatory
0
Null
Empty Field
N/A
Mandatory
0
Page 124 of 321
Opening Balance Record - Type 5
There is one opening balance record for each account within each date.
Field Description/ Notes Alpha/
Numeric
Mandatory/
Optional
Max
Length
Record Type Identifies the record type
Populate with 5
Numeric Mandatory 1
Corporate ID CMS ID (Account Group identifier for Bank Use Only)
If account number begins with 06, populate with 666666
else, populate with 111111
Numeric Mandatory 6
Account
Number
Identifies the account.
If account is 20 digits, export in format “BB-BBBB-
AAAAAAAAAA-SSSS” (with quotes).
Otherwise, export in format “BB-BBBB-AAAAAAA-SS”
(with quotes)
Alpha-
numeric
Mandatory 25
Opening
Balance
Opening Balance amount for the account
Preceded by sign (- for debit, blank for credit) + 9
numeric + Decimal Point + 2 Decimal Places
Numeric Mandatory 13
Null Empty Field (with quotes) N/A Mandatory 0
Null Empty Field (with quotes) N/A Mandatory 0
Particulars Populate with “OPENING BALANCE” (with quotes) Alpha-
numeric
Mandatory 17
Null Empty Field (with quotes) N/A Mandatory 0
Null Empty Field (with quotes) N/A Mandatory 0
Short Name Client defined account name Alpha-
numeric
Mandatory 20
Transaction
Date
Date transaction occurred.
Format DD/MM/YYYY (with quotes)
Alpha-
numeric
Mandatory 10
Null Empty Field N/A Mandatory 0
Null Empty Field N/A Mandatory 0
Null Empty Field N/A Mandatory 0
Page 125 of 321
Closing Balance Record - Type 6
There is one closing balance record for each account within each date.
Field
Description/ Notes
Alpha/ Numeric
Mandatory/
Optional
Max
Length
Record Type
Identifies the record type
Populate with 6
Numeric
Mandatory
1
Corporate
ID
CMS ID (Account Group identifier for Bank Use Only)
If account number begins with 06, populate with
666666 else, populate with 111111
Numeric
Mandatory
6
Account
Number
Identifies the account.
If account is 20 digits, export in format “BB-BBBB-
AAAAAAAAAA-SSSS” (with quotes).
Otherwise, export in format “BB-BBBB-AAAAAAA-SS”
(with quotes)
Alphanumeric
Mandatory
25
Closing
Balance
Closing Balance amount for the account
Preceded by sign (- for debit, blank for credit) + 9
numeric + Decimal Point + 2 Decimal Places
Numeric
Mandatory
13
Null
Empty Field (with quotes)
N/A
Mandatory
0
Null
Empty Field (with quotes)
N/A
Mandatory
0
Particulars
Statement Details
Populate with “CLOSING BALANCE” (with quotes)
Alphanumeric
Mandatory
17
Null
Empty Field (with quotes)
N/A
Mandatory
0
Null
Empty Field (with quotes)
N/A
Mandatory
0
Short Name
The client account name
Alphanumeric
Mandatory
20
Transaction
Date
Date transaction occurred.
In format DD/MM/YYYY (with quotes)
Alphanumeric
Mandatory
10
Null
Empty Field
N/A
Mandatory
0
Null
Empty Field
N/A
Mandatory
0
Null
Empty Field
N/A
Mandatory
0
Page 126 of 321
Total Debits/Credits Record - Type 8
There are two of these records for each account within each date, one for debit and one for credit
transactions.
Field
Description/ Notes
Alpha/ Numeric
Mandatory/
Optional
Max
Length
Record Type
Identifies the record type
Populate with 8
Numeric
Mandatory
1
Corporate ID
CMS ID (Account Group identifier for Bank Use
Only)
If account number begins with 06, populate with
666666 else, populate with 111111
Numeric
Mandatory
6
Account
Number
Identifies the account.
If account is 20 digits, export in format “BB-
BBBB-AAAAAAAAAA-SSSS” (with quotes).
Otherwise, export in format “BB-BBBB-AAAAAAA-
SS” (with quotes)
Alphanumeric
Mandatory
25
Total Amount
of Transactions
for the account
The total amount of transactions on the account.
Preceded by sign (- for debit, blank for credit) + 9
numeric + Decimal Point + 2 Decimal Places
Numeric
Mandatory
13
Number of
transactions
The total number of (Cr and Dr) transactions for
the account and date.
Numeric
Mandatory
6
Transaction
Code
The Code given to the transaction as
identification.
Populate with 000 for Debits and 050 for Credits.
This field should correspond to the field below.
Numeric
Mandatory
3
Particulars
Populate with either “DEBITS” or “CREDITS” (with
quotes).
This field should correspond to the field above.
Alphanumeric
Mandatory
17
Null
Empty Field (with quotes)
N/A
Mandatory
0
Null
Empty Field (with quotes)
N/A
Mandatory
0
Null
Empty Field (with quotes)
N/A
Mandatory
0
Transaction
Date
Date transaction occurred.
In format DD/MM/YYYY (with quotes)
Alphanumeric
Mandatory
10
Null
Empty Field
N/A
Mandatory
0
Null
Empty Field
N/A
Mandatory
0
Null
Empty Field
N/A
Mandatory
0
Page 127 of 321
Grand Total Debits/Credits Record - Type 9
There are two of these records for each date, one for debit transactions and one for credit
transactions. These records are the total of all the accounts for the date.
Field
Description/ Notes
Alpha/
Numeric
Mandatory/
Optional
Max
Length
Record Type
Identifies the record type
Populate with 9
Numeric
Mandatory
1
Corporate ID
CMS ID (Account Group identifier for Bank Use Only)
Populate with 999999
Numeric
Mandatory
6
Account Number
In format BB-BBBB-AAAAAAA-SS
Populate with “99-9999-9999999-99” (with quotes)
Alphanumeric
Mandatory
25
Total Amount of
Transactions for All
Accounts for the
date
The total amount of transactions on all the accounts.
Preceded by sign (- for debit, blank for credit) + 9
numeric + Decimal Point + 2 Decimal Places
Numeric
Mandatory
13
Number of
transactions
Total number of (Cr or Dr) transactions for all
accounts for the date.
Numeric
Mandatory
6
Transaction Code
The Code given to the transaction as identification.
Populate with 000 for Debits and 050 for Credits. This
field should correspond to the field below.
Numeric
Mandatory
3
Particulars
Statement Details
Populate with either “DEBITS” or “CREDITS” (with
quotes). This field should correspond to the field
above.
Alphanumeric
Mandatory
17
Null
Empty Field (with quotes)
N/A
Mandatory
0
Null
Empty Field (with quotes)
N/A
Mandatory
0
Null
Empty Field (with quotes)
N/A
Mandatory
0
Transaction Date
Date transactions occurred.
In format DD/MM/YYYY (with quotes)
Alphanumeric
Mandatory
10
Null
Empty Field
N/A
Mandatory
0
Page 128 of 321
10 ANZ SWIFT REPORTING
10.1 Introduction
ANZ SWIFT Reporting is the electronic bank statements that are formatted in an internationally
recognised standard and transmitted via the SWIFT network. This allows customers who hold accounts
with multiple banks the ability to have a standardised way of sending and receiving statement
information on their bank accounts.
ANZ receives statement information via SWIFT from accounts held at another financial institution and
then presents this information to the customer. File Naming Convention
The MT940\MT941\MT950 messages contain four (4) blocks of information. Each message will begin
with a block 1 and end with a block 4.
The following table displays a summary of the MT940\MT941\MT950 message format:
Block Field Description Mandatory/
Optional
Comments
1 SWIFT address of
the receiver
Mandatory Block 1 is mandatory and begins with “{1:”
and end with “}”
2 SWIFT address of
sender
Optional Block 2 is optional. If present it begins with “{2:”
and end with “}”
3 Message reference Optional Block 3 is optional. If present, it begins with “{3:” and end
with “}”.
4 Message body Mandatory Block 4 is mandatory and must begin with “{4:” and end
with “-}”.
10.2 File Format - MT940 Statement file
The following table describes the format of the MT940 Statement file:
Tag Field Description Length Notes Mandatory
/ Optional
:20: Transaction Reference 16x ANZ generated reference associated with the
report.
Mandatory
:25: Account Identification 35x Identifies the account for which the statement is
being sent. Includes the BSB.
Mandatory
:28C: Statement
Number/Sequence
Number
5n[/5n] Identifies the sequential number of the statement,
optionally followed by the sequence number of the
message within that statement when one or more
messages are sent for the statement.
The statement number is reset to ‘1’ at 1 January
of each year.
The sequence number is always set to one (‘/1’)
for the first message and is incremented by one
for each additional message.
Eg. 00045/00004
Mandatory
Page 129 of 321
Tag Field Description Length Notes Mandatory
/ Optional
:60F: Opening Balance 1!a6!n3!a15d The opening balance for the nominated account.
The first customer statement message must
contain field 60F. Additional statement messages
for the same statement period must contain field
60M (intermediate opening balance).
Subfields are:
1!a Debit/Credit Indicator (D/C)
6!n Value Date as YYMMDD
3!a Three letter ISO Currency Code
15d Amount as decimal with comma decimal
separator Eg. D101108AUD56789,23
Mandatory
:61: Statement Line 6!n[4!n]2a15
d1!a3!c16x[//
16x]
[34x]
The transaction record. Subfields are:
6!n Value Date as YYMMDD
[4!n] Entry Date/Post Date
2a Dr/Cr / Reversal of Dr/Cr Indicator
(D/C/RC/RD)
15d Amount
1!a3!c Transaction type ID Code
16x Customer Statement Reference
//16x ANZ Bank Reference
34x Statement Description
The transaction type ID code will be populated as
follows:
First character is S followed by the Swift
message type (e.g. 101), for Swift transfer
instructions and subsequent charge messages.
First character is F for Financial Institution
originated messages, followed by a three-letter
code.
First character is N for all other payments and
transfer plus related charges, followed by a
three letter code.
The codes are listed in Appendix E
.
The following optional subfields are not used by
ANZ:
Funds Code
Example of content:
090123C3500,25FCHK304955//4958843ADDIT
IONAL INFORMATION
Mandatory
:86: Supplementary
Details
6*65x Supplementary details will contain:
• The characters in positions 35 to 160 from
the statement description where the
statement description exceeds 34
characters.
• The customer reference prefixed by
“/CUSTREF/”
• The bank reference prefixed by
“/BANKREF/”
Optional
Page 130 of 321
Tag Field Description Length Notes Mandatory
/ Optional
:62F: Closing Balance 1!a6!n3!a
15d
The closing balance for the nominated account.
Where multiple messages are sent for the same
statement period, all messages except the last
message must contain field 62M (intermediate
closing balance). For the last message of the
statement then field option will be 62F.
Subfields are:
1!a Debit/Credit Indicator (D/C)
6!n Value Date as YYMMDD
3!a Three letter ISO Currency Code
15d Amount as decimal with comma decimal
separator
Eg. D101108AUD56789,23
Mandatory
:64: Closing Available
Balance
1!a6!n3!a
15d
The closing available balance for the nominated
account.
Subfields are:
1!a Debit/Credit Indicator (D/C)
6!n Value Date as YYMMDD
3!a Three letter ISO Currency Code
15d Amount as decimal with comma decimal
separator
Eg. D101108AUD56789,23
Optional
10.3 File Format – MT941 Intra-Day Balance Statement File
The following table describes the format of the MT941 Intra-Day Balance Statement file:
Tag Field Description Length Notes Mandatory
/ Optional
:20: Transaction
Reference
16x ANZ generated reference associated with the report. Mandatory
:25: Account
Identification
35x Identifies the account for which the interim transaction
report is sent. Includes the BSB.
Mandatory
:28: Statement
Number/Sequence
Number
5n[/2n] Identifies the statement number, optionally followed
by the sequence number of the message within that
statement when one or more messages are sent for
the statement.
The statement number is reset to ‘1’ at 1 January of
each year.
The sequence number is not required.
Mandatory
Page 131 of 321
Tag Field Description Length Notes Mandatory
/ Optional
:13D: Date/Time
Indicator
6!n4!n1!x
4!n
The date, time and time zone at which the report was
created.
Format is <Date><Time><Sign><Time offset>, e.g.
“1011051531+1100”
The time zone offset is against UTC, and will be
populated of the country in which the account is held.
Optional
:60F: Opening Balance 1!a6!n3!a
15d
The opening balance for the nominated account,
including Dr/Cr indicator and currency.
Subfields are:
1a Dr/Cr Indicator (D/C)
6n Date expressed as YYMMDD
3!a Three letter ISO Currency Code
15d Amount as decimal with comma decimal
separator, e.g. 123456,98
E.g. D101109AUD123456,98
Mandatory
:62F: Closing Balance 1!a6!n3!a
15d
The closing balance for the nominated account. Where
multiple messages are sent for the same statement
period, all messages except the last message must
contain field 62M (intermediate closing balance). For
the last message of the statement then field option will
be 62F.
Subfields are:
1!a Debit/Credit Indicator (D/C)
6!n Value Date as YYMMDD
3!a Three letter ISO Currency Code
15d Amount as decimal with comma decimal
separator
E.g. D101108AUD56789,23
Mandatory
:64: Closing Available
Balance
1!a6!n3!a
15d
The closing available balance for the nominated
account.
Subfields are:
1!a Debit/Credit Indicator (D/C)
6!n Value Date as YYMMDD
3!a Three letter ISO Currency Code
15d Amount as decimal with comma decimal
separator
E.g. D101108AUD56789,23
Optional
10.4 File Format - MT942 Interim Transaction Report File
The following table describes the format of the MT942 Interim Transaction Report file
Tag Field Description
Max
Length
Notes
Mandatory
/Optional
:20:
Transaction
Reference
16x ANZ generated reference associated with the report. Mandatory
Page 132 of 321
Tag Field Description
Max
Length
Notes
Mandatory
/Optional
:25:
Account
Identification
35x
Identifies the account for which the interim transaction
report is sent.
Mandatory
:28C:
Statement
Number/Sequence
Number
5n[/5n]
Identifies the statement number, optionally followed
by the sequence number of the message within that
statement when one or more messages are sent for
the statement.
The statement number is reset to ‘1’ at 1 January of
each year. The sequence number is always set to one
(‘/1’) for the first message and is incremented by one
for each additional message.
Mandatory
:34F:
Floor Limit
Indicator
3!a[1!a]1
5d
Specifies the minimum value (transaction amount)
reported in the message.
Format is <CCY><Dr/Cr Indicator><Amount>. E.g.
AUDD1000,
The Dr/Cr indicator is only included if the credit and
debit floor limits are different amounts. Where
different amounts apply then the 34F field will be
repeated (i.e. appears twice).
ANZ set zero (i.e.’0’) as default value, i.e. transaction
of any value will be reported.
Mandatory
:13D:
Date/Time
Indicator
6!n4!n1!x
4!n
The date, time and time zone at which the report is
created.
Format is <Date><Time><Sign><Time zone offset>,
e.g. “1011051531+1100”
The time zone offset is against UTC, and will be
populated of the country in which the account is held.
Mandatory
:61:
Statement Line
6!n[4!n]2
a15d1!a3!
c16x[//16
x] [34x]
The transaction record.
Subfields are:
6!n Value Date
[4!n] Entry Date/Post Date
2a Dr/Cr Indicator
15d Amount
1!a3!c Transaction type ID Code
16x Statement Reference
//16x ANZ Transaction Reference
34x Supplementary Details
The transaction type ID code in interim transaction
report will set default as follows:
First character is N for all other payments and transfer
plus related charges, followed by a three letter code. -
‘MSC’, i.e. Miscellaneous.
The following optional subfields are not used by ANZ:
Funds Code
Example of content:
090123C3500,25NMSCNONREF
Optional
Page 133 of 321
Tag Field Description
Max
Length
Notes
Mandatory
/Optional
:86:
Information to
Account Owner /
Supplementary
Details
6*65x
Transaction Narrative/additional information about the
transaction in the preceding statement line. Max 6
lines of max 65 characters per line.
Optional
:90C:
Number & Sum of
Credit Entries
5n3!a15d
This field indicates the total number and amount of
credit entries since the last statement or balance
report.
(Number) (Currency) (Amount)
The integer part of Amount must contain at least one
digit. The decimal comma ',' is mandatory and is
included in the maximum length. The number of digits
following the comma must not exceed the maximum
number allowed for the specified currency.
Example: “:90D:0AUD0,00”
Optional
:90D:
Number & Sum of
Debit Entries
5n3!a15d
This field indicates the total number and amount of
debit entries since the last statement or balance
report.
(Number) (Currency) (Amount)
The integer part of Amount must contain at least one
digit. The decimal comma ',' is mandatory and is
included in the maximum length. The number of digits
following the comma must not exceed the maximum
number allowed for the specified currency.
Example: “:90C:1AUD201,08”
Optional
10.5 File Format – MT950 Current Day Statement File
The following table describes the format of the MT950 Current Day Statement file:
Tag Field Description Length Notes Mandatory
/ Optional
:20: Transaction
Reference
16x ANZ generated reference associated with the report. Mandatory
:25: Account
Identification
35x Identifies the account for which the statement is being
sent. Includes the BSB.
Mandatory
:28C: Statement
Number/Sequence
Number
5n[/5n] Identifies the sequential number of the statement,
optionally followed by the sequence number of the
message within that statement when one or more
messages are sent for the statement.
The statement number is reset to ‘1’ at 1 January of
each year.
The sequence number is always set to one (‘/1’) for
the first message and is incremented by one for each
additional message.
E.g. 00045/00004
Mandatory
Page 134 of 321
Tag Field Description Length Notes Mandatory
/ Optional
:60F: Opening Balance 1!a6!n3!a
15d
The opening balance for the nominated account. The
first customer statement message must contain field
60F. Additional statement messages for the same
statement period must contain field 60M (intermediate
opening balance).
Subfields are:
1!a Debit/Credit Indicator (D/C)
6!n Value Date as YYMMDD
3!a Three letter ISO Currency Code
15d Amount as decimal with comma decimal
separator
E.g. D101108AUD56789,23
Mandatory
:61: Statement Line 6!n[4!n]2
a15d1!a3!
c16x[//16
x]
[34x]
The transaction record. Subfields are:
6!n Value Date as YYMMDD
[4!n] Entry Date/Post Date
2a Dr/Cr / Reversal of Dr/Cr Indicator
(D/C/RC/RD)
15d Amount
1!a3!c Transaction type ID Code
16x Customer Statement Reference
//16x ANZ Bank Reference
34x Statement Description
The transaction type ID code will be populated as
follows:
First character is S followed by the Swift message
type (eg. 101), for Swift transfer instructions and
subsequent charge messages.
First character is F for Financial Institution
originated messages, followed by a three letter
code.
First character is N for all other payments and
transfer plus related charges, followed by a three
letter code.
The codes are listed in Appendix E
.
The following optional subfields are not used by ANZ:
Funds Code
Example of content:
090123C3500,25FCHK304955//4958843ADDITION
AL INFORMATION
Mandatory
Page 135 of 321
Tag Field Description Length Notes Mandatory
/ Optional
:62F: Closing Balance
(Booked Funds)
1!a6!n3!a
15d
The closing balance for the nominated account. Where
multiple messages are sent for the same statement
period, all messages except the last message must
contain field 62M (intermediate closing balance). For
the last message of the statement then field option will
be 62F.
Subfields are:
1!a Debit/Credit Indicator (D/C)
6!n Value Date as YYMMDD
3!a Three letter ISO Currency Code
15d Amount as decimal with comma decimal
separator
E.g. D101108AUD56789,23
Mandatory
:64: Closing Available
Balance (Available
Funds)
1!a6!n3!a
15d
The closing available balance for the nominated
account.
Subfields are:
1!a Debit/Credit Indicator (D/C)
6!n Value Date as YYMMDD
3!a Three letter ISO Currency Code
15d Amount as decimal with comma decimal
separator
E.g. D101108AUD56789,23
Optional
11 OFF-SYSTEM BSB (OS BSB) (AUSTRALIA ONLY)
11.1 Introduction
The following section outlines the file format specifications for Off-System BSB (OS BSB) files. Off-
System BSB (OS BSB) is also known as Accounts Receivable Management (ARM)
A data file that ANZ will send to you informing you of any debits/credits that may have taken place on
your behalf.
File Naming Convention
The OS BSB file names abide by the following naming convention:
File Name: xiyymmdd
Where: x = client ID
i = file type indicator (as shown in Table below)
yy = last 2 digits of year
mm = month
dd = day
The following table outlines the file type indicators for OS BSB files:
Indicator
File Type Definition
1 Electronic Presentment (Paper) File
2 Direct Entry File
Page 136 of 321
Indicator
File Type Definition
3 Summary Report
4 Returns/Refusals File
5 GDES Files
A Second Data File (should you require a second data file)
B Second Summary Report (should this be Mandatory for the second data file)
C Third Data File (should you require a third data file)
D Third Summary Report (should this be Mandatory for the third data file)
E Fourth Data File (should you require a fourth data file)
F Fourth Summary Report (should this be Mandatory for the fourth data file)
G Fifth Data File (should you require a fifth data file)
H Fifth Summary Report (should this be Mandatory for the fifth data file)
ZI Sixth Data File (should you require a Sixth data file)
All file names can be changed via request.
11.2 File Format - Paper Transaction File
The Paper Transaction file will contain four header records and four footer records, a header and
footer for each Record type (or identifier) listed below). Note: Records will primarily be of the 1010 –
Payment type.
Record Identifiers
The following table outlines the format of the Record Identifiers:
Identifier Description Notes
1010 Presentment Normal presentment record. Typically a paper deposit.
1011 Dishonour Indicates a payment has been dishonoured. Typically this would indicate a
cheque deposited has been dishonoured.
1012 Refusal Indicates a payment you have notified ANZ to dishonour/return has been
refused by the other Financial institution.
1510 Voucher
Required
Indicates a payment has not been cleared and may be dishonoured the
following business day.
Page 137 of 321
Header Record
The following table outlines format of the Header Record:
Field Description
Alpha/
Numeric
Mandatory/
Optional
Size
Position
Record Type
Identifier
Must be 9000 Numeric Mandatory 4 1–4
Version
Must be a Version number for the Record
Type approved by MC1. Currently is 03.
Numeric Mandatory 2 5–6
Transmission date
Format of YYYYMMDD
Date electronic record is exchanged for
settlement.
Numeric Mandatory 8 7–14
BSB (Sending FI)
Character positions 1 to 3 must be a valid
2 or 3-digit Institution Identifier issued by
APN (refer to APN publication 'BSB
Numbers in Australia').
Numeric Mandatory 6 15–20
BSB (Receiving
FI)
Character positions 1 to 3 must be a valid
2 or 3-digit Institution Identifier issued by
APN (refer to APN publication 'BSB
Numbers in Australia').
Numeric Mandatory 6 21–26
Date File Created Format YYYYMMDD Numeric Mandatory 8 27–34
Time File Created Format is hhmmss Numeric Mandatory 6 35–40
File Sequence
Number
Must be a unique number within
transmission date and counterparty.
The purpose of this field is to match a File
Acknowledgment File to the original file it
is acknowledging.
Numeric Mandatory 3 41–43
Record Identifier
Must identify the type of record in this file
(e.g. 1010, 1011 etc).
Numeric Mandatory 4 44–47
Transaction Records
The following table outlines format of the Transaction Records:
Field
Description
Alpha/
Numeric
Mandatory/
Optional
Size
Postion
Record Type
Identifier
Must be 1010, 1011, 1012 or 1510 Numeric Mandatory 4 1 – 4
Version Right-justified. Zero-filled.
Must be a version number for the record type
approved by MCI. Currently is 03
Numeric Mandatory 2 5 – 6
BSB (Ledger
FI)
Character position 1 to 3 must be valid 2 or 3-
digit Institution Identifier issued by APN (refer to
APN publication ‘BSB Numbers in Australia’).
Numeric Mandatory 6 7 – 12
Page 138 of 321
Field
Description
Alpha/
Numeric
Mandatory/
Optional
Size
Postion
Identifies the address to which the Item
was sent, the Customers unique BSB
BSB
(Collecting FI)
Character position 1 to 3 must be valid 2 or 3-
digit Institution Identifier issued by APN (refer to
APN publication ‘BSB Numbers in Australia’).
Identifies the address to which the Item and
mailing advice must be returned if rejected.
Numeric Mandatory 6 13 – 18
Transaction
Code
Right-justified, zero-filled.
Must be an industry agreed transaction code as
set out in Appendix B of the APCS Procedures.
Numeric Mandatory 3 19 – 21
Amount Must be value greater than zero. Show in cents
without punctuation.
Unsigned
Numeric Mandatory 12 22 – 33
BSB
(Depositors
Nominated FI)
Character position 1 to 3 must be valid 2 or 3-
digit Institution Identifier issued by APN (refer to
APN publication ‘BSB Numbers in Australia’).
Identifies the domicile of the account to
which the value was credited.
Numeric Optional 6 34 – 39
Drawer
Account
number
Alpha (26 letters of the alphabet) numeric
hyphens and blanks only are valid. Must not
contain all blanks or all zeros. Leading zeros,
which are parts of an account number, must be
shown. (Some Financial Institutions have leading
zeros in the valid account number, e.g. 00-1234).
Alpha Mandatory 21 40 – 60
Account
number of
depositor’s
Nominated
account
Alpha (26 letters of the alphabet) numeric,
hyphens and blanks only are valid. Must not
contain all blanks or all zeros. Leading zeros,
which are parts of an account number must be
shown. (Some Financial Institutions have leading
zeros in the valid account number, e.g. 00–
1234). Identifies the number of the account
to which the value was credited.
Alpha Optional 21 61 – 81
Auxiliary
Domestic
Must be maximum of 6 characters if field shows
000 or 900 must be between 7 and 9 characters
(inclusive) if field 5 shows 009 or 909. The actual
number of digits printed on the voucher must be
included in this field (e.g. if the printed cheque
serial number is 001140, then this field must
show those 6 digits).
Numeric Mandatory 9 82 – 90
Extra Auxiliary
Domestic
If present on the voucher, this information must
be shown in this field.
Numeric Optional 11 91 - 101
Page 139 of 321
Field
Description
Alpha/
Numeric
Mandatory/
Optional
Size
Postion
BSB
(Capturing FI)
Character position 1 to 3 must be valid 2 or 3-
digit Institution Identifier issued by APN (refer to
APN publication ‘BSB Numbers in Australia’).
Identifies the point to which Record types
1011, 1015 or 1510 is to be sent in respect
of the item.
Numeric Mandatory 6 102 -
107
Transmission
date
Format of YYYYMMDD Date Electronic record is
exchanged.
Numeric Mandatory 8 108 -
115
Capture
Device
Identifier
Alpha
Numeric
Mandatory 3 116 -
118
Transaction
Identifier
Numeric Mandatory 12 119 -
130
Voucher
Indicator
Use voucher indicator codes as set out in APCS
Procedures, Schedule 11, and Rule 1.12.
Alpha Optional 1 131
Manual Repair Show ‘1’ if one or more fields have been
manually entered or altered.
Numeric Optional 1 132
Voucher
Required by
Date
Format is CCYYMMDD. Must contain the next
business day in the relevant Region for this
record
Numeric Optional 8 133-140
Voucher
Required
Transaction ID
Unique number generated at the creation of the
record
Numeric Optional 12 141-152
Return
Transaction
Identifier
Unique number generated at the creation of the
record
Numeric Optional 12 153-164
Return Code Must be a valid industry agreed return code as
set out in APCS Procedures, Schedule 11, Rule
2.10
Numeric Optional 3 165-167
Title of
Account to be
Debited
Must contain “n/a” if the Title of Account is
unavailable.
Alpha
Numeric
Optional 60 168-227
BSB
(Transferee FI)
Character position 1 to 3 must be valid 2 or 3-
digit Institution Identifier issued by APN (refer to
APN publication ‘BSB Numbers in Australia’).
Numeric Optional 6 228-233
Page 140 of 321
Field
Description
Alpha/
Numeric
Mandatory/
Optional
Size
Postion
Refusal
Transaction
Identifier
Unique number generated at the creation of the
record.
Numeric Optional 12 234-245
Refusal Code Must be a valid industry agreed refusal code as
set out in APCS Procedures, Schedule 11, Rule
3.7
Numeric Optional 2 246-247
File Total Record
The following table outlines format of the File Total Record:
Field Description Alpha/
Numeric
Mandatory/
Optional
Size Position
Record Type
Identifier
Must be 9090. Numeric Mandatory 4 1–4
Version Must be a Version number for the Record
Type approved by MC1. Currently is 03.
Numeric Mandatory 2 5–6
File Credit
Total Amount
Must equal the accumulated value of credit
Items in the file.
Must equal zero if an empty file.
Must equal zero if a not for value file.
Numeric Mandatory 18 7–24
File Debit Total
Amount
Must equal the accumulated value of debit
Items in the file.
Must equal zero if an empty file.
Must equal zero if a not for value file.
Numeric Mandatory 18 25–42
File Count of
Non-Value
Items
Must equal the accumulated number of non-
value Items in the file.
Must equal zero if an empty file.
Must equal one if an acknowledgment file.
Numeric Mandatory 6 43–48
File Count of
Credit Items
Must equal the accumulated number of credit
Items in the file.
Must equal zero if an empty file.
Must equal zero if a not for value file.
Numeric Mandatory 6 49 – 54
File Count of
Debit Items
Must equal the accumulated number of debit
Items in the file.
Must equal zero if an empty file.
Must equal zero if a not for value file.
Numeric Mandatory 6 55 - 60
Page 141 of 321
11.3 File Format - Direct Entry
Direct Entry File Header Record
The following table outlines format of the Direct Entry Header Record:
Field Description Alpha/
Numeric
Mandatory/
Optional
Size Position
Record Type Must be 0. Numeric Mandatory 1 1
Blank Must be blank filled. Alpha
Numeric
Mandatory 17 2 - 18
Reel
Sequence
Number
Right-justified, zero-filled.
Must be numeric commencing at 01.
Numeric Mandatory 2 19 - 20
Name of User
Financial
Institution
Contains ‘ANZ’. Alpha
Numeric
Mandatory 3 21 - 23
Blank Must be blank filled. Alpha
Numeric
Mandatory 7 24 - 30
Name of User
Supplying File
Left-justified, blank-filled.
Must not be all blanks. Contains the preferred
name of the Direct Entry User.
Alpha
Numeric
Mandatory 26 31 - 56
Number of
User
Supplying File
Right-justified, zero-filled. Contains the Direct
Entry User ID as assigned by APN and Financial
Institutions.
Numeric Mandatory 6 57 - 62
Description of
Entries on
File
Left-justified, blank-filled. Must not be all
blanks.
Alpha
Numeric
Mandatory 12 63 - 74
Date to be
processed
Must be a valid date in the format DDMMYY. Numeric Mandatory 6 75 - 80
Blank Must be blank-filled. Alpha
Numeric
Mandatory 40 81 - 120
Page 142 of 321
Direct Entry Exchange Record (Type 1)
The following table outlines format of the Direct Entry Exchange Record (Type 1):
Field Description Alpha/
Numeric
Mandatory/
Optional
Size Position
Record Type Must be 1. Numeric Mandatory 1 1
BSB Number Numeric with a hyphen in character position 4.
Character positions 1 to 3 must be a valid 2 or
3-digit Institution Identifier issued by APN.
Alpha
Numeric
Mandatory 7 2 - 8
Account
Number to be
Credited/Debi
ted
Right-justified. Must not contain all blanks or all
zeroes.
Right-justified, zero-filled
Alpha
Numeric
Mandatory 9 9 - 17
Indicator Must be blank filled. Alpha
Numeric
Mandatory 1 18
Transaction
Code
Right-justified, zero-filled.
Values 13, 50 to 57.
Numeric Mandatory 2 19 - 20
Amount Unsigned
Right-justified, zero-filled.
Value in cents without punctuation.
Numeric Mandatory 10 21- 30
Title of
Account to be
Credited/
Debited
Left-justified, blank-filled.
Must not contain all blanks. As entered by
payee.
Alpha
Numeric
Mandatory 32 31 - 62
Lodgement
Reference
Left-justified, blank-filled. As entered by payee. Alpha
Numeric
Mandatory 18 63 - 80
Trace Record
BSB
Numeric with a hyphen in character position 4.
Character positions 1 to 3 must be a valid 2 or
3-digit Institution Identifier issued by APN.
Contains BSB number of User, to enable tracing
of the entry.
Alpha
Numeric
Mandatory 7 81 - 87
Trace Record
Account
Number
Right-justified.
Contains account number of User, to enable
tracing of the entry.
Alpha
Numeric
Mandatory 9 88 - 96
Name of
Remitter
Left-justified, blank-filled.
Contains the name of the originator of the
entry.
Alpha
Numeric
Mandatory 16 97 - 112
Amount of
withholding
tax
Unsigned
Right-justified, zero-filled.
Value in cents without punctuation.
Numeric Mandatory 8 113 -120
Page 143 of 321
Direct Entry File Total Record
The following table outlines the format of the Direct Entry File Total Record:
Field Description Alpha/
Numeric
Mandatory/
Optional
Size Position
Record Type Must be 7. Numeric Mandatory 1 1
BSB Number Must be 999-999. Alpha
Numeric
Mandatory 7 2 - 8
Blank Must be zero-filled. Alpha
Numeric
Mandatory 12 9 - 20
Net Total
Amount
Unsigned
Right-justified, zero-filled.
Value in cents without punctuation. Must equal
the difference between the Credit and Debit
Total amounts.
Numeric Mandatory 10 21 - 30
Credit Total
Amount
Unsigned
Right-justified, zero-filled.
Value in cents without punctuation. Must equal
the accumulated value of credit Items in the
file.
Numeric Mandatory 10 31 - 40
Debit Total
Amount
Unsigned
Right-justified, zero-filled.
Value in cents without punctuation. Must equal
the accumulated value of debit Items in the file.
Numeric Mandatory 10 41 - 50
Blank Must be zero-filled. Alpha
Numeric
Mandatory 24 51 - 74
Item Count Right-justified, zero-filled.
Must equal the accumulated number of Items in
the file.
Numeric Mandatory 6 75 - 80
Blank Must be zero-filled. Alpha
Numeric
Mandatory 40 81 - 120
11.4 Return/Refusal File
Direct Entry & GDES File Header Record (Type 0)
The following table outlines the format of Direct Entry & GDES File Header Record:
Field Description Alpha/
Numeric
Mandatory
/ Optional
Size Position
Record Type Must be 0. Numeric Mandatory 1 1
Blank Must be blank filled. Alpha
Numeric
Mandatory 17 2 - 18
Reel Sequence Number Right-justified, zero-filled.
Must be numeric commencing at 01.
Numeric Mandatory 2 19 – 20
Page 144 of 321
Field Description Alpha/
Numeric
Mandatory
/ Optional
Size Position
Name of User Financial
Institution
Left justified. Blank filled.
Type 1 - Mnemonic of User Supplying
File
Type 2 - Mnemonic of Financial
Institution Initiating return of the
Returned Item
Type 3 - Mnemonic of Financial
Institution Initiating return of the
Returned Refusal
Alpha
Numeric
Mandatory 3 21 - 23
Blank Must be blank filled. Alpha
Numeric
Mandatory 7 24 - 30
Name of User Supplying File Left-justified, blank-filled.
Must not be all blanks. Contains the
preferred name of the Direct Entry
User.
Alpha
Numeric
Mandatory 26 31 - 56
Number of User Supplying
File
Right-justified, zero-filled. Contains
the Direct Entry User ID as assigned
by APN and Financial Institutions.
Numeric Mandatory 6 57 - 62
Description of Entries on
File
Left-justified, blank-filled. Must not
be all blanks.
Alpha
Numeric
Mandatory 12 63 - 74
Type 1 - Date to be
processed
Type 2 - Date of return of
the Returned Item
Type 3 - Date of Refusal
Must be a valid date in the format
DDMMYY.
Numeric Mandatory 6 75 - 80
Blank Must be blank-filled. Alpha
Numeric
Mandatory 40 81 - 120
Page 145 of 321
Direct Entry & GDES Rejected Record (Type 2)
The following table shows Direct Entry & GDES Rejected Record (Type 2):
Field Description Alpha/
Numeric
Mandatory/
Optional
Size Position
Record Type Must be 2. Numeric Mandatory 1 1
BSB Number Must match field 9 on original Direct
Entry Exchange (Type 1) record.
Alpha
Numeric
Mandatory 7 2 - 8
Account Number to be
Credited/Debited
Must match field 10 on original
Direct Entry Exchange (Type 1)
record.
Alpha
Numeric
Mandatory 9 9 - 17
Return Code Must be a valid Industry Return
Code. Refer BECS Procedures
clause 4.7.
Numeric Mandatory 1 18
Transaction Code Must match field 5 on original Direct
Entry Exchange (Type 1) record.
Numeric Mandatory 2 19 - 20
Amount Must match field 6 on original Direct
Entry Exchange (Type 1) record.
Numeric Mandatory 10 21 - 30
Title of Account to be
Credited/Debited
Must match field 7 on original Direct
Entry Exchange (Type 1) record.
Alpha
Numeric
Mandatory 32 31 - 62
Lodgement Reference Must match field 8 on original Direct
Entry Exchange (Type 1) record.
Alpha
Numeric
Mandatory 18 63 - 80
Trace Record BSB Must match field 2 on original Direct
Entry Exchange (Type 1) record.
Alpha
Numeric
Mandatory 7 81 - 87
Trace Record Account
Number
Must match field 3 on original Direct
Entry Exchange (Type 1) record.
Alpha
Numeric
Mandatory 9 88 - 96
Name of Remitter Must match field 11 on original
Direct Entry Exchange (Type 1)
record.
Alpha
Numeric
Mandatory 16 97 - 112
Original Day of Processing Format DD. Must match first 2-
bytes of field 9 on original Direct
Entry Header record.
Numeric Mandatory 2 113 - 114
Original User’s ID Number Must match field 7 on original Direct
Entry Header record.
Numeric Mandatory 6 115 - 120
Page 146 of 321
Direct Entry & GDES Refusal Record (Type 3)
The following table shows Direct Entry & GDES Refusal Record (Type 3):
Field Description Alpha/
Numeric
Mandatory
/ Optional
Size Position
Record Type Must be 3. Numeric Mandatory 1 1
BSB Number Must match field 9 on original Direct
Entry Rejected (Type 2) record.
Alpha
Numeric
Mandatory 7 2 - 8
Account Number to be
Credited/Debited
Must match field 10 on original
Direct Entry Rejected (Type 2)
record.
Alpha
Numeric
Mandatory 9 9 - 17
Refusal Code Must be a valid Industry Refusal
Code. Refer BECS Procedures clause
4.8.
Numeric Mandatory 1 18
Transaction Code Must match field 5 on original Direct
Entry Rejected (Type 2) record.
Numeric Mandatory 2 19 - 20
Amount Must match field 6 on original Direct
Entry Rejected (Type 2) record.
Numeric Mandatory 10 21 - 30
Title of Account to be
Credited/Debited
Must match field 7 on original Direct
Entry Rejected (Type 2) record.
Alpha
Numeric
Mandatory 32 31 - 62
Lodgement Reference Must match field 8 on original Direct
Entry Rejected (Type 2) record.
Alpha
Numeric
Mandatory 18 63 - 80
Trace Record BSB Must match field 2 on original Direct
Entry Rejected (Type 2) record.
Alpha
Numeric
Mandatory 7 81 - 87
Trace Record Account
Number
Must match field 3 on original Direct
Entry Rejected (Type 2) record.
Alpha
Numeric
Mandatory 9 88 - 96
Name of Remitter Must match field 11 on original
Direct Entry Rejected (Type 2)
record.
Alpha
Numeric
Mandatory 16 97 - 112
Original Day of Return Format DD. Must match first 2-bytes
of field 9 on original Direct Entry
Header record.
Numeric Mandatory 2 113 - 114
Original User’s ID Number Must match field 13 on original
Direct Entry Rejected (Type 2)
record.
Numeric Mandatory 6 115 - 120
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Summary Report
The summary report is issued daily on every business day. Below is a sample of a typical Daily
Summary Report
11.5 GDES File
GDES File Header Record
The following table outlines format of the GDES Header Record:
Field Description Alpha/
Numeric
Mandatory
/ Optional
Size Position
Record Type Must be 0. Numeric Mandatory 1 1
Blank Must be blank filled. Alpha
Numeric
Mandatory 17 2 - 18
Reel Sequence
Number
Right-justified, zero-filled.
Must be numeric commencing at 01.
Numeric Mandatory 2 19 - 20
Name of User
Financial
Institution
Contains ‘ANZ’. Alpha
Numeric
Mandatory 3 21 - 23
Blank Must be blank filled. Alpha
Numeric
Mandatory 7 24 - 30
Name of User
Supplying File
Left-justified, blank-filled.
Must not be all blanks. Contains the preferred
name of the Direct Entry User.
Alpha
Numeric
Mandatory 26 31 - 56
Number of User
Supplying File
Right-justified, zero-filled. Contains the
Direct Entry User ID as assigned by APN and
Financial Institutions.
Numeric Mandatory 6 57 - 62
Description of
Entries on File
Left-justified, blank-filled. Must not be all
blanks.
Alpha
Numeric
Mandatory 12 63 - 74
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Field Description Alpha/
Numeric
Mandatory
/ Optional
Size Position
Date to be
processed
Must be a valid date in the format DDMMYY. Numeric Mandatory 6 75 - 80
Blank Must be blank-filled. Alpha
Numeric
Mandatory 40 81 - 120
GDES Exchange Record (Type 1)
The following table outlines format of the GDES Exchange Record (Type 1):
Field Description Alpha/
Numeric
Mandatory
/ Optional
Size Position
Record Type Must be 1. Numeric Mandatory 1 1
BSB Number Numeric with a hyphen in character position
4. Character positions 1 to 3 must be a valid
2 or 3-digit Institution Identifier issued by
APN.
Alpha
Numeric
Mandatory 7 2 - 8
Account Number
to be
Credited/Debited
Right-justified. Must not contain all blanks or
all zeroes.
Right-justified, zero-filled
Alpha
Numeric
Mandatory 9 9 - 17
Indicator Must be blank filled. Alpha
Numeric
Mandatory 1 18
Transaction Code Right-justified, zero-filled.
Values 13, 50 to 57.
Numeric Mandatory 2 19 – 20
Amount Unsigned
Right-justified, zero-filled.
Value in cents without punctuation.
Numeric Mandatory 10 21- 30
Title of Account to
be Credited/
Debited
Left-justified, blank-filled.
Must not contain all blanks. As entered by
payee.
Alpha
Numeric
Mandatory 32 31 - 62
Lodgement
Reference
Left-justified, blank-filled. As entered by
payee.
Alpha
Numeric
Mandatory 18 63 – 80
Trace Record BSB Numeric with a hyphen in character position
4. Character positions 1 to 3 must be a valid
2 or 3-digit Institution Identifier issued by
APN. Contains BSB number of User, to enable
tracing of the entry.
Alpha
Numeric
Mandatory 7 81 - 87
Trace Record
Account Number
Right-justified.
Contains account number of User, to enable
tracing of the entry.
Alpha
Numeric
Mandatory 9 88 - 96
Name of Remitter
Left-justified, blank-filled.
Contains the name of the originator of the
entry.
Alpha
Numeric
Mandatory 16 97 - 112
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Field Description Alpha/
Numeric
Mandatory
/ Optional
Size Position
Amount of
withholding tax
Unsigned
Right-justified, zero-filled.
Value in cents without punctuation.
Numeric Mandatory 8 113 -120
GDES File Total Record
The following table outlines the format of the GDES File Total Record:
Field Description Alpha/
Numeric
Mandatory
/ Optional
Size Position
Record Type Must be 7. Numeric Mandatory 1 1
BSB Number Must be 999-999. Alpha
Numeric
Mandatory 7 2 - 8
Blank Must be zero-filled. Alpha
Numeric
Mandatory 12 9 - 20
Net Total Amount Unsigned
Right-justified, zero-filled.
Value in cents without punctuation. Must
equal the difference between the Credit and
Debit Total amounts.
Numeric Mandatory 10 21 - 30
Credit Total
Amount
Unsigned
Right-justified, zero-filled.
Value in cents without punctuation. Must
equal the accumulated value of credit Items
in the file.
Numeric Mandatory 10 31 - 40
Debit Total
Amount
Unsigned
Right-justified, zero-filled.
Value in cents without punctuation. Must
equal the accumulated value of debit Items in
the file.
Numeric Mandatory 10 41 - 50
Blank Must be zero-filled. Alpha
Numeric
Mandatory 24 51 - 74
Item Count Right-justified, zero-filled.
Must equal the accumulated number of Items
in the file.
Numeric Mandatory 6 75 - 80
Blank Must be zero-filled. Alpha
Numeric
Mandatory 40 81 - 120
Page 150 of 321
12 ANZ RECEIVABLES MANAGEMENT
12.1 Introduction
ANZ Receivables Management ingests data from bank and non-bank sources and consolidates into a
single collections file format containing all of your receivables data. This document outlines the
specifications for the following ANZ Receivables Management file types:
• Open items data (applicable for reconciliation customers only)
• Collections data:
o Detail File – Contains matched and unmatched transaction details
o Summary File – Contains control totals by collection type and account
Field Notations
The following notations are used in this document to describe the properties of each field:
Notation Description
AN Alphanumeric field type
N Numeric field type
Date Date field type. The date is presented in dd/mm/yyyy format.
M Field is mandatory for some or all rec and sub types
O Field is mandatory for some or all rec and sub types
Record Types
Each detail record includes a ‘RecType’ and ‘SubType’ used to identify the collection channel or data
source as shown in the table below:
Rec Type Sub Type Data Source/ Collection Channel
STATEMENT
AGENT/DC/INTERNET/OS
REMT/RTGS/CASH CHQ/BPAY STD
Receivables balance and transaction
reporting (BTR)
PAYMENT ARM Direct entry transactions for ARM BSB
PAYMENT BPAY PLUS BPAY+ transactions
PAYMENT IVR
Interactive Voice Recognition (IVR)
transactions
PAYMENT POSTBILLPAY PostBillPay transactions
PAYMENT LOCKBOX Lockbox transactions
REMITTANCE TOTAL / DETAIL Electronic Lockbox transactions
OTEM N/A Invoice/Open item record
ARM BSB is Off-System BSB (OS BSB). Please refer to section 10
for more details.
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12.2 Open Items File Format
This file format is used to send invoice/outstanding items to ANZ Receivables Management for
reconciliation.
Extra information fields can be populated with additional information considered useful for matching,
reporting and analytics.
Detail Record
Field Definition Type Mandatory/
Optional
CFFID Unique record ID or BLANK AN Optional
Load Date Date file is produced Date Mandatory
Rec Type Value = “OTEM” AN Mandatory
Sub Type BLANK AN Optional
Instruction Date Invoice Date Date Mandatory
Value Date Invoice Due Date Date Mandatory
Cust Reference Customer number AN Mandatory
Narrative Customer/Company Name (Full) AN Mandatory
Amount BLANK N Optional
Currency BLANK AN Optional
Reference Optional additional reference number AN Optional
Invoice No Invoice number AN Mandatory
Invoice Amount Invoice amount (total) N Mandatory
Invoice Currency ISO Currency code for invoice AN Mandatory
Payment Method BLANK AN Optional
Entry Method BLANK AN Optional
Account BLANK AN Optional
Rec Name BLANK AN Optional
Client BLANK AN Optional
ExtraInfo1 BLANK AN Optional
ExtraInfo2 BLANK AN Optional
ExtraInfo3 BLANK AN Optional
ExtraInfo4 BLANK AN Optional
ExtraInfo5 BLANK AN Optional
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Field Definition Type Mandatory/
Optional
ExtraInfo6 BLANK N Optional
ExtraInfo7 BLANK N Optional
ExtraInfo8 BLANK N Optional
ExtraInfo9 BLANK N Optional
ExtraInfo10 BLANK N Optional
ExtraInfo11 BLANK Date Optional
ExtraInfo12 BLANK Date Optional
12.3 Collection Detail File
This file format is output from ANZ Receivables Management and accommodates both matched and
unmatched transactions.
File Structure
CFF ID Type Description No. of Fields No. of Records
0 File Header Record First record of the file. Includes
unique customer ID.
4 1
1 Detail Record Contains one record each transaction. 38 Many
9 File Trailer Record Contains file control totals. 8 1
Header Record
Field Definition Type
CFF ID Denotes detail record. Constant value of “0”. N
Client ID ANZ Receivables Management customer ID AN
File creation date File creation date Date
File creation time File creation time stamp format HHMM N
Detail Record
Each detail record represents either a collection (statement or payment), invoice or remittance advice.
Field Definition Type
CFFID Unique record ID generated at the creation of the record unless provided in the
Open Items file.
AN
Load Date Date file is processed Date
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Field Definition Type
Rec Type Identifies the record type.
(Refer to table 1.2 Record Types above)
AN
Sub Type Identifies sub-type of record where multiple types.
(Refer to table 1.2 Record Types above)
AN
Instruction Date Date of payment/transaction date.
LOCKBOX: Instruction date is date cheque is captured.
OTEM: Refer to invoice file format specification.
Blank for remittance advice.
Date
Value Date Value date of payment/settlement date.
LOCKBOX: Value date is date cheque is captured.
ARM: Value date is the date the payment is processed.
OTEM: Refer to invoice file format specification.
Blank for remittance advice.
Date
Cust Reference Customer reference number as entered by the payer.
ARM: Account number entered by the payer.
LOCKBOX: Biller reference number from the remittance line
OTEM: Refer to invoice file format specification.
Blank for remittance advice.
AN
Narrative Statement narrative/lodgement reference of payment.
BPAY PLUS: Biller code
LOCKBOX: Biller code (3124 for Retail Lockbox)
IVR: Transaction reference number
POSTBILLPAY: Post Office Name
OTEM: Refer to invoice file format specification.
Blank for remittance advice.
AN
Amount Transaction Amount of payment.
REM TOTAL: Remittance advice total. Blank for REM DETAIL.
OTEM: Blank
N
Currency ISO currency code where ‘Amount’ is populated. Otherwise, blank. AN
Reference Statement/payment trace or sequence ID.
OTEM: Refer to invoice file format specification.
Blank for remittance advice.
AN
Invoice No Reference number of open item due for payment.
Populated on OTEM and REMITTANCE DETAIL records only.
AN
Invoice Amount Total amount of open item due for payment.
Populated on OTEM and REMITTANCE DETAIL records only.
N
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Field Definition Type
Invoice Currency ISO Currency code where ‘Invoice Amount’ is populated. Otherwise blank. AN
Payment Method Method of payment or transaction code where available for STATEMENT and
PAYMENT records only. Otherwise blank.
AN
Entry Method Method of entry or capture mode (LOCKBOX) where available for STATEMENT
and PAYMENT records only. Otherwise blank.
AN
Account Account number for STATEMENT or PAYMENT transactions where available,
otherwise blank.
OTEM: Refer to invoice file format specification.
REMITTANCE: Unique processing document ID
AN
Rec Name Name of reconciliation created in ANZ Receivables Management
OTEM: Refer to invoice file format specification.
AN
Client Client name
REMITTANCE TOTAL: Name of company paying
AN
ExtraInfo1 ARM: Title of account to be credited as entered by the payer.
Otherwise, reserved for enrichment or additional information.
OTEM: Refer to invoice file format specification.
AN
ExtraInfo2 Reserved for enrichment or additional information.
OTEM: Refer to invoice file format specification.
AN
ExtraInfo3 Reserved for enrichment or additional information.
OTEM: Refer to invoice file format specification.
AN
ExtraInfo4 Reserved for enrichment or additional information.
OTEM: Refer to invoice file format specification.
AN
ExtraInfo5 Reserved for enrichment or additional information.
OTEM: Refer to invoice file format specification.
AN
ExtraInfo6 Reserved for enrichment or additional information.
OTEM: Refer to invoice file format specification.
N
ExtraInfo7 Reserved for enrichment or additional information.
OTEM: Refer to invoice file format specification.
N
ExtraInfo8 Reserved for enrichment or additional information.
OTEM: Refer to invoice file format specification.
N
ExtraInfo9 Reserved for enrichment or additional information.
OTEM: Refer to invoice file format specification.
N
ExtraInfo10 Reserved for enrichment or additional information.
OTEM: Refer to invoice file format specification.
N
Page 155 of 321
Field Definition Type
ExtraInfo11 Reserved for enrichment or additional information.
OTEM: Refer to invoice file format specification.
Date
ExtraInfo12 Reserved for enrichment or additional information.
OTEM: Refer to invoice file format specification.
Date
Match Status
Denotes match status of transaction.
Unmatched = UNMATCHED
System match = AUTO
User match = MANUAL
AN
Match Group ID
Unique match ID linking all transactions in the match group.
Where match status is UNMATCHED, match group ID will be blank.
AN
Match Name
Name of business rule used to create match.
Where match status is UNMATCHED, match name will be blank.
AN
User
Name of user who has actioned the match.
System match = SYSTEM
Manual match = Client user name
Where match status is UNMATCHED, user will be blank.
AN
Match Date
Date of match by system or user
Where match status is UNMATCHED, match date will be blank.
AN
Match Time
Time of match by system or user
Where match status is UNMATCHED, match date will be blank.
AN
Trailer Record
Field Definition Type
CFF ID Denotes detail record. Constant value of “9” N
Credit Items Count Contains the total number of payment and/or statement credit items for this file. N
Debit Total Count Blank (Reserved for future use) N
System Matched
Count
Contains the total number of payment and/or statement detail records with
AUTO match status for this file.
N
User Matched Count
Contains the total number of payment and/or statement detail records with
MANUAL match status for this file.
N
Unmatched Count Contains the total number of payment and/or statement detail records with
UNMATCHED match status for this file.
N
Invoice Count
Contains the total number of OTEM records with AUTO or MANUAL status for this
file.
N
Page 156 of 321
Field Definition Type
Number of Records Identifies the total number of records for this file. N
Page 157 of 321
13 AGENCY CLEARING (AUSTRALIA ONLY)
13.1 Introduction
The following section outlines the file format specifications of inward and outward files exchanged for
Agency Clearing.
13.2 Standard File Naming Convention
The Agency Clearing file names for NBFI and NBACA abide by the following naming convention:
File Name: xiyymmdd
Where: x = client ID
i = file type indicator (as shown in the table below)
yy = last 2 digits of year
mm = month
dd = day
The following table outlines the file type indicators used in the file naming convention:
Indicator File Type Description
1 Electronic Presentment (Paper) File
2 Direct Entry File
3 Summary Report
4 Returns/Refusals File
5 GDES File
6 Cash and Cheque Deposit File
A Second Data File (should you require a second data file)
B Second Summary Report (should this be Mandatory for the second data file)
C Third Data File (should you require a third data file)
D Third Summary Report (should this be Mandatory for the third data file)
E Fourth Data File (should you require a fourth data file)
F Fourth Summary Report (should this be Mandatory for the fourth data file)
G Fifth Data File (should you require a fifth data file)
H Fifth Summary Report (should this be Mandatory for the fifth data file)
I OTC Cash and Cheque Deposit File (no longer in use)
J TPC Returned Cheque Deposits Report (no longer in use)
M Cash and Cheque Deposit Report
X Returns/Refusals Report
Page 158 of 321
13.3 Electronic Presentment (Paper) File
Record Identifiers
The following table outlines the format of the Record Identifiers:
Identifier Description Notes
1010 Presentment Normal presentment record. Typically, a paper deposit.
1011 Dishonour Indicates a payment has been dishonoured. Typically this would indicate a
cheque deposited has been dishonoured.
1012 Refusal Indicates a payment you have notified ANZ to dishonour/return has been
refused by the other Financial institution.
1510 Voucher
Required
Indicates a payment has not been cleared and may be dishonoured the
following business day.
Header record
The following table outlines the format of the Header Record:
# Field Description
Alpha/
Numeric
Mandatory/
Optional
Size
Position
1
Record Type
Identifier
Must be 9000. Numeric Mandatory 4 1–4
2 Version
Must be a Version number for the
Record Type approved by MC1.
Currently is 03.
Numeric Mandatory 2 5–6
3 Transmission date
Format of CCYYMMDD
Date electronic record is
exchanged for settlement.
Numeric Mandatory 8 7–14
4 BSB (Sending FI)
Character positions 1 to 3 must be
a valid 2 or 3-digit Institution
Identifier issued by APN (refer to
APN publication 'BSB Numbers in
Australia').
Numeric Mandatory 6 15–20
5 BSB (Receiving FI)
Character positions 1 to 3 must be
a valid 2 or 3-digit Institution
Identifier issued by APN (refer to
APN publication 'BSB Numbers in
Australia').
Numeric Mandatory 6 21–26
6 Date File Created Format CCYYMMDD. Numeric Mandatory 8 27–34
7 Time File Created Format is hhmmss. Numeric Mandatory 6 35–40
Page 159 of 321
# Field Description
Alpha/
Numeric
Mandatory/
Optional
Size
Position
8
File Sequence
Number
Must be a unique number within
transmission date and
counterparty.
The purpose of this field is to
match a File Acknowledgment File
to the original file it is
acknowledging.
Numeric Mandatory 3 41–43
9
Record Identifier
Must identify the type of record in
this file (e.g. 1010, or 1011, etc.).
Numeric Mandatory 4 44–47
Transaction Records
The following table outlines the format of the Transaction Records:
# Field Description
Alpha/
Numeric
Mandatory/
Optional
Size Position
1
Record Type
Identifier
Must be 1010, 1011, 1012, or
1510.
Numeric Mandatory 4 1 - 4
2 Version
Right-justified. Zero-filled.
Must be a version number for the
record type approved by MCI.
Currently is 03.
Numeric Mandatory 2 5 - 6
3 BSB (Ledger FI)
Character position 1 to 3 must be
valid 2 or 3-digit Institution
Identifier issued by APN (refer to
APN publication ‘BSB Numbers in
Australia’). Identifies the
address to which the Item and
mailing advice must be
returned if rejected.
Numeric Mandatory 6 7 - 12
4 BSB (Collecting FI)
Character position 1 to 3 must be
valid 2 or 3-digit Institution
Identifier issued by APN (refer to
APN publication ‘BSB Numbers in
Australia’). Identifies the
address to which the I tem and
mailing advise must be
returned if rejected.
Numeric Mandatory 6 13 - 18
5 Transaction Code
Right-justified, zero-filled.
Must be an industry agreed
transaction code as set out in
Appendix B of the APCS
Procedures.
Numeric Mandatory 3 19 - 21
6 Amount
Must be value greater than zero.
Show in cents without
punctuation.
Unsigned.
Numeric Mandatory 12 22 - 33
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# Field Description
Alpha/
Numeric
Mandatory/
Optional
Size Position
7
BSB (Depositors
Nominated FI)
Character position 1 to 3 must be
valid 2 or 3-digit Institution
Identifier issued by APN (refer to
APN publication ‘BSB Numbers in
Australia’). Identifies the domicile
of the account to which the value
was credited. If account
information is presented for
“1011” and “1510” records it
will appear right-justified,
zero-filled. Otherwise the field
will appear space filled.
Numeric Optional 6 34 - 39
8
Drawer Account
number
Alpha (26 letters of the alphabet)
numeric, hyphens and blanks only
are valid. Must not contain all
blanks or all zeros. Leading zeros,
which are parts of an account
number must be shown. (Some
Financial Institutions have leading
zeros in the valid account number,
e.g. 00-1234).
Alpha Mandatory 21 40 - 60
9
Account number of
depositor’s
Nominated account
Alpha (26 letters of the alphabet)
numeric, hyphens and blanks only
are valid. Must not contain all
blanks or all zeros. Leading zeros,
which are parts of an account
number must be shown. (Some
Financial Institutions have leading
zeros in the valid account number,
e.g. 00–1234). Identifies the
number of the account to which
the value was credited. If
account information is
presented for “1011” and
“1510” records it will appear
right-justified, zero-filled.
Otherwise the field will appear
space filled.
Alpha Optional 21 61 - 81
10 Auxiliary Domestic
Must be maximum of 6 characters
if field shows 000 or 900, must be
between 7 and 9 characters
(inclusive) if field 5 shows 009 or
909. The actual number of digits
printed on the voucher must be
included in this field (e.g. if the
printed cheque serial number is
001140, then this field must show
those 6 digits).
Numeric Mandatory 9 82 - 90
11
Extra Auxiliary
Domestic
If present on the voucher, this
information must be shown in this
field.
Numeric Optional 11 91 - 101
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# Field Description
Alpha/
Numeric
Mandatory/
Optional
Size Position
12 BSB (Capturing FI)
Character position 1 to 3 must be
valid 2 or 3-digit Institution
Identifier issued by APN (refer to
APN publication ‘BSB Numbers in
Australia’). Identifies the point
to which Record types 1011,
1015 or 1510 is to be sent in
respect of the item.
Numeric Mandatory 6 102 -
107
13 Transmission date
Format of CCYYMMDD Date
Electronic record is exchanged.
Numeric Mandatory 8 108 -
115
14
Capture Device
Identifier
Alpha
Numeric
Mandatory 3 116 -
118
15 Transaction Identifier
Numeric Mandatory 12 119 -
130
16 Voucher Indicator
Use voucher indicator codes as set
out in APCS Procedures, Schedule
11, and Rule 1.12.
Alpha Optional 1 131
17 Manual Repair
Show ‘1’ if one or more fields have
been manually entered or altered.
Numeric Optional 1 132
18
Voucher Required by
Date
Format is CCYYMMDD
Must contain the next business
day in the relevant Region for this
record.
Mandatory for 1510 records.
Conditional for 1011 records.
Must be the same as Field 18 in
the relative 1510 Record, if sent.
Conditional for 1012 records.
Must be the same as Field 18 in
the 1011 Record being refused.
Numeric Conditional 8 133 -
140
19
Voucher Required
Transaction ID
Unique number generated at the
creation of the record.
Mandatory for 1510 records.
Conditional for 1011 records.
Must be the same as Field 18 in
the relative 1510 Record, if sent.
Conditional for 1012 records.
Must be the same as Field 18 in
the 1011 Record being refused.
Numeric Conditional 12 141 -
152
20
Return transaction
identifier
Unique number generated at the
creation of the record.
Numeric Mandatory
for 1011 and
1012 records
only
12 153 -
164
Page 162 of 321
# Field Description
Alpha/
Numeric
Mandatory/
Optional
Size Position
21 Return Code
Must be a valid industry agreed
return code as set out in APCS
Procedures, Schedule 11, and Rule
2.10.
Numeric Mandatory
for 1011 and
1012 records
only
3 165 -
167
22
Title of account to be
Debited
Must contain “n/a” if the Tile of
Account is unavailable.
Actual account name form is not
validated.
Must not contain all blanks.
Alpha
Numeric
Mandatory
for 1011 and
1012 records
only
60 168 -
227
23 BSB (Transferee FI)
Character positions 1 to 3 must be
valid 2 or 3-digit Institution
Identifier issued by APN (refer to
APN publication ‘BSB Numbers in
Australia’).
Must be used only in conjunction
with return code 915.
Numeric Optional 6 228 -
233
24
Refusal Transaction
Identifier
Unique number generated at the
creation of the record.
Numeric Mandatory
for 1012
records only
12 234 -
245
25 Refusal Code
Must be a valid industry agreed
refusal code as set out in the APCS
Procedures.
Numeric Mandatory
for 1012
records only
2 246 -
247
File Total Record
The following table outlines the format of the File Total Record:
# Field Description
Alpha/
Numeric
Mandatory/
Optional
Size Position
1
Record Type
Identifier
Must be 9090. Numeric Mandatory 4 1–4
2
Version
Must be a Version number for the
Record Type approved by MC1.
Currently is 03.
Numeric Mandatory 2 5–6
3
File Credit Total
Amount
Must equal the accumulated value
of credit Items in the file.
Must equal zero if an empty file.
Must equal zero if a not for value
file.
Numeric Mandatory 18 7–24
4
File Debit Total
Amount
Must equal the accumulated value
of debit Items in the file.
Must equal zero if an empty file.
Must equal zero if a not for value
file.
Numeric Mandatory 18 25–42
Page 163 of 321
# Field Description
Alpha/
Numeric
Mandatory/
Optional
Size Position
5
File Count of Non-
Value Items
Must equal the accumulated
number of non-value Items in the
file.
Must equal zero if an empty file.
Must equal one if an
acknowledgment file.
Numeric Mandatory 6 43–48
6
File Count of Credit
Items
Must equal the accumulated
number of credit Items in the file.
Must equal zero if an empty file.
Must equal zero if a not for value
file.
Numeric Mandatory 6 49–54
7
File Count of Debit
Items
Must equal the accumulated
number of debit Items in the file.
Must equal zero if an empty file.
Must equal zero if a not for value
file.
Numeric Mandatory 6 55 – 60
13.4 Inward Direct Entry File
Direct Entry File Header Record
The following table outlines the format of the Direct Entry File Header Record:
Field Description Alpha/
Numeric
Mandatory/
Optional
Size Position
Record Type Must be 0. Numeric Mandatory 1 1
Blank Must be blank filled. Alpha
Numeric
Mandatory 17 2 - 18
Reel Sequence
Number
Right-justified, zero-filled.
Must be numeric commencing at 01.
Numeric Mandatory 2 19 - 20
Name of User
Financial
Institution
Contains ‘ANZ’. Alpha
Numeric
Mandatory 3 21 - 23
Blank Must be blank filled. Alpha
Numeric
Mandatory 7 24 - 30
Name of User
Supplying File
Left-justified, blank-filled.
Must not be all blanks. Contains the
preferred name of the Direct Entry User.
Alpha
Numeric
Mandatory 26 31 - 56
Number of User
Supplying File
Right-justified, zero-filled. Contains the
Direct Entry User ID as assigned by APN
and Financial Institutions.
Numeric Mandatory 6 57 - 62
Description of
Entries on File
Left-justified, blank-filled. Must not be all
blanks.
Alpha
Numeric
Mandatory 12 63 - 74
Page 164 of 321
Field Description Alpha/
Numeric
Mandatory/
Optional
Size Position
Date to be
processed
Must be a valid date in the format DDMMYY. Numeric Mandatory 6 75 - 80
Blank Must be blank-filled. Alpha
Numeric
Mandatory 40 81 - 120
Page 165 of 321
Direct Entry Exchange Record (Type 1)
The following table outlines the format of the Direct Entry Exchange Record (Type 1)
Field Description Alpha/
Numeric
Mandatory/
Optional
Size Position
Record Type Must be 1. Numeric Mandatory 1 1
BSB Number Numeric with a hyphen in character position
4. Character positions 1 to 3 must be a valid
2 or 3-digit Institution Identifier issued by
APN.
Alpha
Numeric
Mandatory 7 2 - 8
Account Number
to be
Credited/Debited
Right-justified. Must not contain all blanks
or all zeroes.
Right-justified, zero-filled
Alpha
Numeric
Mandatory 9 9 - 17
Indicator Must be blank filled. Alpha
Numeric
Mandatory 1 18 - 18
Transaction Code Right-justified, zero-filled.
Values 13, 50 to 57.
Numeric Mandatory 2 19- 20
Amount Unsigned
Right-justified, zero-filled.
Value in cents without punctuation.
Numeric Mandatory 10 21 - 30
Title of Account
to be
Credited/Debited
Left-justified, blank-filled.
Must not contain all blanks.
Alpha
Numeric
Mandatory 32 31 - 62
Lodgement
Reference
Left-justified, blank-filled. Alpha
Numeric
Mandatory 18 63 - 80
Trace Record
BSB
Numeric with a hyphen in character position
4. Character positions 1 to 3 must be a valid
2 or 3-digit Institution Identifier issued by
APN. Contains BSB number of User, to
enable tracing of the entry.
Alpha
Numeric
Mandatory 7 81 - 87
Trace Record
Account Number
Right-justified.
Contains account number of User, to enable
tracing of the entry.
Alpha
Numeric
Mandatory 9 88 - 96
Name of
Remitter
Left-justified, blank-filled.
Contains the name of the originator of the
entry.
Alpha
Numeric
Mandatory 16 97 - 112
Amount of
withholding tax
Unsigned
Right-justified, zero-filled.
Value in cents without punctuation.
Numeric Mandatory 8 113 -
120
Page 166 of 321
Direct Entry File Total Record
The following table outlines the format of the Direct Entry File Total Record:
Field Description Alpha/
Numeric
Mandatory/
Optional
Size Position
Record Type Must be 7. Numeric Mandatory 1 1
BSB Number Must be 999-999. Alpha
Numeric
Mandatory 7 2 - 8
Blank Must be blank-filled. Alpha
Numeric
Mandatory 12 9 - 20
Net Total Amount Unsigned
Right-justified, zero-filled.
Value in cents without punctuation. Must
equal the difference between the Credit and
Debit Total amounts.
Numeric Mandatory 10 21 - 30
Credit Total
Amount
Unsigned
Right-justified, zero-filled.
Value in cents without punctuation. Must
equal the accumulated value of credit Items
in the file.
Numeric Mandatory 10 31 - 40
Debit Total
Amount
Unsigned
Right-justified, zero-filled.
Value in cents without punctuation. Must
equal the accumulated value of debit Items
in the file.
Numeric Mandatory 10 41 - 50
Blank Must be blank-filled. Alpha
Numeric
Mandatory 24 51 - 74
Item Count Right-justified, zero-filled.
Must equal the accumulated number of
Items in the file.
Numeric Mandatory 6 75 - 80
Blank Must be blank-filled. Alpha
Numeric
Mandatory 40 81 - 120
13.5 Outward Return/Refusal File
Direct Entry & GDES File Header Record (Type 0)
The table below outlines the Direct Entry & GDES File Header Record:
Field Description Alpha/
Numeric
Mandatory/
Optional
Size Position
Record Type Must be 0. Numeric Mandatory 1 1
Blank Must be blank filled. Alpha
Numeric
Mandatory 17 2 - 18
Page 167 of 321
Field Description Alpha/
Numeric
Mandatory/
Optional
Size Position
Reel Sequence
Number
Right-justified, zero-filled.
Must be numeric commencing at 01.
Numeric Mandatory 2 19 - 20
Name of User
Financial
Institution
Left justified. Blank filled.
Type 1 - Mnemonic of User Supplying File
Type 2 - Mnemonic of Financial Institution
Initiating return of the Returned Item
Type 3 - Mnemonic of Financial Institution
Initiating return of the Returned Refusal
Alpha
Numeric
Mandatory 3 21 - 23
Blank Must be blank filled. Alpha
Numeric
Mandatory 7 24 - 30
Mnemonic of the
Sending Member
Left-justified, blank-filled.
Must not be all blanks.
Contains the BSB of the Sending Member.
Alpha
Numeric
Mandatory 26 31 - 56
Returning/Refusing
FI ID Number
Right-justified, zero-filled. Contains the
Direct Entry User ID as assigned by APN
and Financial Institutions.
Numeric Mandatory 6 57 - 62
Description of
Entries on File
Left-justified, blank-filled.
Must be “TYPE 2” for returns or “TYPE 3”
for refusals.
Alpha
Numeric
Mandatory 12 63 - 74
Type 1 - Date to
be processed
Type 2 - Date of
return of the
Returned Item
Type 3 - Date of
Refusal
Must be a valid date in the format
DDMMYY.
Numeric Mandatory 6 75 - 80
Blank Must be blank-filled. Alpha
Numeric
Mandatory 40 81 - 120
Direct Entry & GDES Rejected Record (Type 2)
The table below outlines the Direct Entry & GDES Rejected Record (Type 2):
Field Description Alpha/
Numeric
Mandatory/
Optional
Size Position
Record Type Must be 2. Numeric Mandatory 1 1
BSB Number Must match positions 81-87 of the original
Type 1 Detail Record.
Alpha
Numeric
Mandatory 7 2 - 8
Account Number
to be
Credited/Debited
Must match positions 88-96 of the original
Type 1 Detail Record.
Alpha
Numeric
Mandatory 9 9 - 17
Page 168 of 321
Field Description Alpha/
Numeric
Mandatory/
Optional
Size Position
Return Code Must be a valid Industry Return Code. Refer
BECS Procedures clause 4.7.
Numeric Mandatory 1 18
Transaction Code Must match positions 19-20 of the original
Type 1 Detail Record.
Numeric Mandatory 2 19 - 20
Amount Must match positions 21-30 of the original
Type 1 Detail Record.
Numeric Mandatory 10 21 - 30
Title of Account
to be
Credited/Debited
Must match positions 31-62 of the original
Type 1 Detail Record.
Alpha
Numeric
Mandatory 32 31 - 62
Lodgement
Reference
Must match positions 63-80 of the original
Type 1 Detail Record
Alpha
Numeric
Mandatory 18 63 - 80
Trace Record
BSB
Must match positions 2-8 of the original
Type 1 Detail Record.
Alpha
Numeric
Mandatory 7 81 - 87
Trace Record
Account Number
Must match positions 9-17 of the original
Type 1 Detail Record.
Alpha
Numeric
Mandatory 9 88 - 96
Name of
Remitter
Must match positions 97-112 of the original
Type 1 Detail Record.
Alpha
Numeric
Mandatory 16 97 - 112
Original Day of
Processing
Format DD. Must match positions 75-76 of
the Original Type 0 Descriptive Record.
Numeric Mandatory 2 113 -
114
Original User’s ID
Number
Must match positions 57-62 of the Original
Type 0 Descriptive record.
Numeric Mandatory 6 115 -
120
Direct Entry & GDES Refusal Record (Type 3)
The table below outlines the Direct Entry & GDES Refusal Record (Type 3):
Field Description Alpha/
Numeric
Mandatory/
Optional
Size Position
Record Type Must be 3. Numeric Mandatory 1 1
BSB Number Must match positions 81-87 of the original
Type 2 Detail Record.
Alpha
Numeric
Mandatory 7 2 - 8
Account Number
to be
Credited/Debited
Must match positions 88-96 of the original
Type 2 Detail Record.
Alpha
Numeric
Mandatory 9 9 - 17
Refusal Code Must be a valid Industry Refusal Code. Refer
BECS Procedures clause 4.8.
Numeric Mandatory 1 18
Transaction Code Must match positions 19-20 of the original
Type 2 Detail Record.
Numeric Mandatory 2 19 - 20
Amount Must match positions 21-30 of the original
Type 2 Detail Record.
Numeric Mandatory 10 21 - 30
Page 169 of 321
Field Description Alpha/
Numeric
Mandatory/
Optional
Size Position
Title of Account
to be
Credited/Debited
Must match positions 31-62 of the original
Type 2 Detail Record.
Alpha
Numeric
Mandatory 32 31 - 62
Lodgement
Reference
Must match positions 63-80 of the original
Type 2 Detail Record
Alpha
Numeric
Mandatory 18 63 - 80
Trace Record
BSB
Must match positions 2-8 of the original
Type 2 Detail Record.
Alpha
Numeric
Mandatory 7 81 - 87
Trace Record
Account Number
Must match positions 9-17 of the original
Type 2 Detail Record.
Alpha
Numeric
Mandatory 9 88 - 96
Name of
Remitter
Must match positions 97-112 of the original
Type 2 Detail Record.
Alpha
Numeric
Mandatory 16 97 - 112
Original Day of
Return
Format DD. Must match positions 75-76 of
the Original Type 0 Descriptive Record.
Numeric Mandatory 2 113 -
114
Original User’s ID
Number
Must match positions 115-120 of the
Original Type 2 Detail record.
Numeric Mandatory 6 115 -
120
Direct Entry & GDES File Total Record (Type 7)
The table below outlines the Direct Entry & GDES File Header Record:
Field Description Alpha/
Numeric
Mandatory/
Optional
Size Position
Record Type Must be 7. Numeric Mandatory 1 1
BSB Number Must be 999-999. Alpha
Numeric
Mandatory 7 2 - 8
Blank Must be blank-filled. Alpha
Numeric
Mandatory 12 9 - 20
Net Total Amount Unsigned
Right-justified, zero-filled.
Value in cents without punctuation. Must
equal the difference between the Credit and
Debit Total amounts.
Numeric Mandatory 10 21 - 30
Credit Total
Amount
Unsigned
Right-justified, zero-filled.
Value in cents without punctuation. Must
equal the accumulated value of credit Items
in the file.
Numeric Mandatory 10 31 - 40
Debit Total
Amount
Unsigned
Right-justified, zero-filled.
Value in cents without punctuation. Must
equal the accumulated value of debit Items
in the file.
Numeric Mandatory 10 41 - 50
Page 170 of 321
Field Description Alpha/
Numeric
Mandatory/
Optional
Size Position
Blank Must be blank-filled. Alpha
Numeric
Mandatory 24 51 - 74
Item Count Right-justified, zero-filled.
Must equal the accumulated number of
Items in the file.
Numeric Mandatory 6 75 - 80
Blank Must be blank-filled. Alpha
Numeric
Mandatory 40 81 - 120
13.6 Summary Report
The summary report is issued daily on every business day.
Sample Daily Summary Report
The following is an example of a Daily Summary Report.
Page 171 of 321
13.7 Inward GDES File
GDES File Header Record
The following table outlines format of the GDES Header Record:
Field Description Alpha/
Numeric
Mandatory
/ Optional
Size Position
Record Type Must be 0. Numeric Mandatory 1 1
Blank Must be blank filled. Alpha
Numeric
Mandatory 17 2 - 18
Reel Sequence
Number
Right-justified, zero-filled.
Must be numeric commencing at 01.
Numeric Mandatory 2 19 - 20
Name of User
Financial
Institution
Contains ‘ANZ’. Alpha
Numeric
Mandatory 3 21 - 23
Blank Must be blank filled. Alpha
Numeric
Mandatory 7 24 - 30
Name of User
Supplying File
Left-justified, blank-filled.
Must not be all blanks. Contains the preferred
name of the Direct Entry User.
Alpha
Numeric
Mandatory 26 31 - 56
Number of User
Supplying File
Right-justified, zero-filled. Contains the
Direct Entry User ID as assigned by APN and
Financial Institutions.
Numeric Mandatory 6 57 - 62
Description of
Entries on File
Left-justified, blank-filled. Must not be all
blanks.
Alpha
Numeric
Mandatory 12 63 - 74
Date to be
processed
Must be a valid date in the format DDMMYY. Numeric Mandatory 6 75 - 80
Blank Must be blank-filled. Alpha
Numeric
Mandatory 40 81 - 120
GDES Exchange Record (Type 1)
The following table outlines format of the GDES Exchange Record (Type 1):
Field Description Alpha/
Numeric
Mandatory/
Optional
Size Position
Record Type Must be 1. Numeric Mandatory 1 1
BSB Number Numeric with a hyphen in character position
4. Character positions 1 to 3 must be a valid
2 or 3-digit Institution Identifier issued by
APN.
Alpha
Numeric
Mandatory 7 2 - 8
Account Number
to be
Credited/Debited
Right-justified. Must not contain all blanks
or all zeroes.
Right-justified, zero-filled
Alpha
Numeric
Mandatory 9 9 - 17
Page 172 of 321
Field Description Alpha/
Numeric
Mandatory/
Optional
Size Position
Indicator Must be blank filled. Alpha
Numeric
Mandatory 1 18
Transaction Code
Right-justified, zero-filled.
Values 13, 50 to 57.
Numeric Mandatory 2 19 - 20
Amount
Unsigned
Right-justified, zero-filled.
Value in cents without punctuation.
Numeric Mandatory 10 21- 30
Title of Account
to be Credited/
Debited
Left-justified, blank-filled.
Must not contain all blanks. As entered by
payee.
Alpha
Numeric
Mandatory 32 31 - 62
Lodgement
Reference
Left-justified, blank-filled. As entered by
payee.
Alpha
Numeric
Mandatory 18 63 - 80
Trace Record
BSB
Numeric with a hyphen in character position
4. Character positions 1 to 3 must be a valid
2 or 3-digit Institution Identifier issued by
APN. Contains BSB number of User, to
enable tracing of the entry.
Alpha
Numeric
Mandatory 7 81 - 87
Trace Record
Account Number
Right-justified.
Contains account number of User, to enable
tracing of the entry.
Alpha
Numeric
Mandatory 9 88 - 96
Name of
Remitter
Left-justified, blank-filled.
Contains the name of the originator of the
entry.
Alpha
Numeric
Mandatory 16 97 - 112
Amount of
withholding tax
Unsigned
Right-justified, zero-filled.
Value in cents without punctuation.
Numeric Mandatory 8 113 -120
GDES File Total Record
The following table outlines the format of the GDES File Total Record:
Field Description Alpha/
Numeric
Mandatory/
Optional
Size Position
Record Type Must be 7. Numeric Mandatory 1 1
BSB Number Must be 999-999. Alpha
Numeric
Mandatory 7 2 - 8
Blank Must be zero-filled. Alpha
Numeric
Mandatory 12 9 - 20
Net Total Amount Unsigned
Right-justified, zero-filled.
Value in cents without punctuation. Must
equal the difference between the Credit and
Debit Total amounts.
Numeric Mandatory 10 21 - 30
Page 173 of 321
Field Description Alpha/
Numeric
Mandatory/
Optional
Size Position
Credit Total
Amount
Unsigned
Right-justified, zero-filled.
Value in cents without punctuation. Must
equal the accumulated value of credit Items
in the file.
Numeric Mandatory 10 31 - 40
Debit Total
Amount
Unsigned
Right-justified, zero-filled.
Value in cents without punctuation. Must
equal the accumulated value of debit Items
in the file.
Numeric Mandatory 10 41 - 50
Blank Must be zero-filled. Alpha
Numeric
Mandatory 24 51 - 74
Item Count Right-justified, zero-filled.
Must equal the accumulated number of
Items in the file.
Numeric Mandatory 6 75 - 80
Blank Must be zero-filled. Alpha
Numeric
Mandatory 40 81 – 120
13.8 Cash and Cheque Deposit (Over the Counter) File
Over the Counter File Header Record
The following table outlines the format of the Over the Counter File Header Record:
Field Description Alpha/
Numeric
Mandatory/
Optional
Size Position
MESSAGE-ID ‘9000’ Numeric Mandatory 4 1 - 4
VERSION ‘03’ Numeric Mandatory 2 5 - 6
PROCESS-DATE ccyymmdd Numeric Mandatory 8 7 - 14
BSB-SEND ‘010000’ Numeric Mandatory 6 15 - 20
BSB-RECEIVE e.g. ‘222200’ Numeric Mandatory 6 21 - 26
CREATE-DATE ccyymmdd Numeric Mandatory 8 27 - 34
CREATE-TIME hhmmss Numeric Mandatory 6 35 - 40
FILE-SEQ-NO ‘001’ Numeric Mandatory 3 41 - 43
HEADER-ID ‘8010’ Numeric Mandatory 4 44 - 47
Over the Counter File Detail Record
The following table outlines the format of the Over the Counter File Detail Record:
Page 174 of 321
Field Description Alpha/
Numeric
Mandatory/
Optional
Size Position
MESSAGE-ID ‘8010’ Numeric Mandatory 4 1 - 4
VERSION ‘03’ Numeric Mandatory 2 5 - 6
DOMICILE-BSB BSB e.g. ‘222200’ Numeric Mandatory 6 7 - 12
ACCOUNT-
NUMBER
Acct Nbr – right justified, space filled Numeric Optional 21 13 - 33
ORIGINATING-
BSB
BSB e.g. ‘222200’ Numeric Mandatory 6 34 - 39
AUX-DOM As supplied, incl. FDB reference number
Space filled
Numeric Optional 9 40 - 48
EX-AUX-DOM Agent number for FDB agent deposit
transactions
Space filled
Numeric Optional 11 49 - 59
CHEQUES-
COUNT
Total number of cheques
Right justified, zero filled
Numeric Mandatory 4 60 - 63
DEPOSIT-VALUE Total deposit value
Right justified, zero filled
Numeric Mandatory 15 64 - 78
CHEQUES-VALUE Total cheque deposit value
Right justified, zero filled
Numeric Mandatory 15 79 - 93
CASH-VALUE Total cash value
Right justified, zero filled
Numeric Mandatory 15 94 - 108
UNRECONCILED-
IND
Space or ‘U’ Alpha Mandatory 1 109
TRANSACTION-
DATE
ccyymmdd Numeric Mandatory 8 110 -
117
TRANSACTION-
TIME
hhmmss Numeric Mandatory 6 118 -
123
Over the Counter File Trailer Record
The following table outlines the format of the Over the Counter File Trailer Record:
Field Description Alpha/
Numeric
Mandatory/
Optional
Size Position
MESSAGE-ID ‘9090’ Numeric Mandatory 4 1 - 4
VERSION ‘03’ Numeric Mandatory 2 5 - 6
CREDIT-AMOUNT Right justified, zero filled Numeric Mandatory 18 7 - 24
DEBIT-AMOUNT Right justified, zero filled Numeric Mandatory 18 25 - 42
Page 175 of 321
Field Description Alpha/
Numeric
Mandatory/
Optional
Size Position
NON-VALUE-
COUNT
Count of ‘8010’ records
Right justified, zero filled
Numeric Mandatory 6 43 - 48
CREDIT-COUNT Right justified, zero filled Numeric Mandatory 6 49 - 54
DEBIT-COUNT Right justified, zero filled Numeric Mandatory 6 55 - 60
13.9 Outward Direct Entry File
Outward payments can be initiated using the ABA file format.
File Layout and Character Set
An ABA file can contain one or more batches of payment instructions. The records in the ABA file to be
imported must follow a defined order. Each batch must:
• Start with a Descriptive Record.
• Contain one or more Detail Record(s).
• End with a Batch Control Record.
The format specifications for each of these record types are outlined in detail further in this document.
The following character set is allowed in an ABA file:
• Fields that are marked ‘Alpha’ (Alphanumeric) in the ‘Type’ column are limited to:
• Letters: A-Z, a-z
• Numbers: 0-9
• The following Characters: spaces ( ) , ampersands (&), apostrophes (‘), commas (,) , hyphens (-),
full stops (.), forward slashes (/), plus sign (+), dollar sign ($), exclamation mark (!), percentage
sign (%), left parenthesis ((), right parenthesis ()), asterisk (*), number sign (#), equal sign (=),
colon (:), question mark (?), left square bracket ([), right square bracket (]), underscore (_),
circumflex (^) and the at symbol (@)
• ‘Optional’ Alphanumeric fields must be filled with spaces if no data exists.
• Fields that are marked ‘Numeric’ in the ‘Type’ column are limited to:
• Numbers: 0-9.
• ‘Optional’ Numeric fields must be filled with zeros if no data exists.
ABA files are required to be prepared as 120 byte fixed length records and must be separated by CRLF
(carriage-return/line feed, Hex 0D0A). This must be consistent for the whole file.
Header Record
The Header Record contains AU Domestic Payment batch header details.
The following table describes the format of the Header Record:
Field
Description
Type Notes
Start
Position
End
Position
Length
Mandatory/
Optional
Record type
Numeric
Must be ‘0’.
1
1
1
Mandatory
Reserved
Alpha
Blank filled.
2
18
17
Optional
Sequence
number
Alpha
Must be ‘01’.
19
20
2
Mandatory
Name of User
Financial
Institution
Alpha
Must contain the bank mnemonic
that is associated with the BSB of
the funds account.
e.g. ‘ANZ’.
21
23
3
Mandatory
Reserved
Alpha
Blank filled.
24
30
7
Optional
Name of User
supplying File
Alpha
User Preferred Name as registered
with ANZ
31
56
26
Mandatory
Page 176 of 321
Field
Description
Type Notes
Start
Position
End
Position
Length
Mandatory/
Optional
User
Identification
number
Numeric
Direct Entry User ID.
Right-justified, zero-filled.
57
62
6
Mandatory
Description of
entries on File
Alpha
Description of payments in the file
(e.g. Payroll, Creditors etc.).
Can be used to match existing AU
domestic payments template
(including Restricted Templates).
This only applies to payments
requiring web authorisation.
63
74
12
Mandatory
Date to be
processed
Alpha
Date on which the payment is to
be processed.
DDMMYY (e.g. 010111).
75
80
6
Mandatory
Time
Alpha
Time on which the payment is to
be processed.
24 hour format - HHmm.
• If blank or spaces, process
now.
• If the time is less than the
current time, process now
• If the time is after the final
cut-off time:
• The batch will be placed in
a ‘warehoused’ status with
a release time of 00:00 on
the following day
Otherwise, process at time
specified
81
84
4
Optional
Reserved
Alpha
Blank filled.
85
120
36
Optional
Detail Record
Each Detail Record contains one AU Domestic Payment instruction. One or more Detail Items can be
included in a single ABA batch.
The following table describes the format of the Detail Record:
Field
Description
Type Notes
Start
Position
End
Position
Length
Mandatory/
Optional
Record type
Numeric
Must be ‘1’.
1
1
1
Mandatory
BSB of account
to be
CREDITED or
DEBITED
Alpha
Bank/State/Branch number with a
hyphen in the 4
th
character
position.
e.g. 013-999.
2
8
7
Mandatory
Account
number to be
CREDITED or
DEBITED
Alpha
Numeric, hyphens & blanks are
valid. Right justified, blank filled.
Leading zeros that are part of an
Account Number must be included.
9
17
9
Mandatory
Withholding
Tax Indicator
Alpha
One of the following values, if
applicable:
N – for New or varied BSB number
or name details
18
18
1
Optional
Page 177 of 321
Field
Description
Type Notes
Start
Position
End
Position
Length
Mandatory/
Optional
W – Dividend paid to a resident of
a country where a double tax
agreement is in force.
X – Dividend paid to a resident of
any other country.
Y – Interest paid to all non-
residence. The amount of
withholding tax is to appear in the
Amount of Withholding Tax field.
Transaction
Code
Numeric
Must be a valid Transaction Code.
Refer BECS Procedures clause 4.6.
13 - externally initiated Debit
Items
50 - externally initiated Credit
Items with the exception of those
bearing transaction codes 51-57
inclusive
51 - Australian government
security interest
52 - basic family
payments/additional family
payment
53 - pay
54 - pension
55 - allotment
56 - dividend
57 - debenture/note interest.
19
20
2
Mandatory
Amount to be
CREDITED or
DEBITED
Numeric
Right justified, zero filled,
unsigned, two decimal places are
implied (e.g. $10.21 is recorded as
0000001021).
21
30
10
Mandatory
Title of account
to be
CREDITED or
DEBITED
Alpha
Preferred format is: Surname
followed by given names with one
blank between each name.
e.g. SMITH John Alan.
Numeric, hyphens, semicolons &
blanks are valid. Left justified,
blank filled.
31
62
32
Mandatory
Lodgement
Reference
Produced on
the recipient’s
Account
Statement.
Alpha
Payment reference indicating
details of the origin of the entry
(e.g. payroll number, policy
number).
Left justified, blank filled.
63
80
18
Mandatory
Trace BSB
Number
Alpha
Bank/State/Branch number of the
trace account with a hyphen in the
4
th
character position.
e.g. 013-999
81
87
7
Mandatory
Page 178 of 321
Field
Description
Type Notes
Start
Position
End
Position
Length
Mandatory/
Optional
Trace Account
Number
Alpha
Numeric, alpha, hyphens & blanks
are valid. Right justified, blank
filled.
Leading zeros that are part of an
Account Number must be included.
88
96
9
Mandatory
Name of
Remitter
Produced on
the recipient’s
Account
Statement.
Alpha
Name of originator of the entry.
This may vary from Name of User.
Left justified, blank filled.
97
112
16
Mandatory
Withholding
amount
Numeric
Must be zero filled or contain a
withholding tax amount.
If it contains a withholding tax
amount, two decimal placed are
implied (e.g. $10.21 is recorded as
0000001021).
113
120
8
Optional
Batch Control Record
The Batch Control Record contains details relating to the total number of items as well as debit/credit
totals for a batch within the ABA import file.
Field
Description
Type Notes
Start
Position
End
Position
Length
Mandatory/
Optional
Record type
Numeric
Must be ‘7’.
1
1
1
Mandatory
Reserved
Alpha
Must be ‘999-999’.
2
8
7
Mandatory
Reserved
Alpha
Blank filled.
9
20
12
Optional
Batch Net Total
Amount
Numeric
Batch Credit Total Amount minus
Batch Debit Total Amount.
Right justified, zero filled,
unsigned, two decimal places are
implied (e.g. $1001.21 is stored as
‘0000100121’).
21
30
10
Mandatory
Batch Credit
Total Amount
Numeric
Must be zero filled or contain the
total value of all Record Type 1
CREDIT transactions in the batch.
Right justified, zero filled,
unsigned, two decimal places are
implied.
31
40
10
Mandatory
Batch Debit
Total Amount
Numeric
Must be zero filled or contain the
total value of all Record Type 1
DEBIT transactions in the batch.
Right justified, zero filled,
unsigned, two decimal places are
implied.
(e.g. $1001.21 is stored as
‘0000100121’).
41
50
10
Mandatory
Page 179 of 321
Field
Description
Type Notes
Start
Position
End
Position
Length
Mandatory/
Optional
Reserved
Alpha
Blank filled.
51
74
24
Optional
Batch Total
Item Count
Numeric
Total count of Type 1 records in
the batch.
Right justified, zero filled.
75
80
6
Mandatory
Reserved
Alpha
Blank filled.
81
120
40
Optional
13.10 Inward APCS Dishonour and Voucher Required File
The following file can be sent to ANZ to return invalid paper items (type 1011) and request voucher
information (type 1510).
APCS Dishonour and Refusal File Layout
• One File Header Record (9000)
• Zero or more Electronic Dishonour Record/s (1011)
• One File Total Record (9090)
• One File Header Record (9000)
• Zero or more Voucher Required Record/s (1510)
• One File Total Record (9090)
Header Record – APCS 9000 for APCS 1011
This is the first record in the file if APCS 1011 records are present. There must be only one APCS
Header record in the file for all APCS 1011 detail records.
# Field Description
Alpha/
Numeric
Mandatory/
Optional
Size Position
1
Record Type Identifier
Must be 9000.
Numeric
Mandatory
4
1-4
2 Version
Must be 03.
Version number for the Record
Type approved by MC1.
Numeric Mandatory 2 5-6
3 Transmission Date
Format of CCYYMMDD.
Date electronic record is
exchanged for settlement.
Numeric Mandatory 8 7-14
4 BSB (Sending FI)
Character positions 1 to 3 must
be a valid 2 or 3-digit Institution
Identifier issued by APCS (refer to
APCS publication 'BSB Numbers in
Australia').
Numeric Mandatory 6 15-20
5
BSB (Receiving FI)
Static: 010000
Numeric
Mandatory
6
21-26
6 Date File Created
Format of CCYYMMDD.
This date must equal the CAP
business processing date.
Numeric Mandatory 8 27-34
7
Time File Created
Format of HHMMSS.
Numeric
Mandatory
6
35-40
8
File Sequence Number
Numeric
Mandatory
3
41-43
9
Record Identifier
Must be 1011.
Numeric
Mandatory
4
44-47
Detail Record – APCS 1011
This is the record that follows the APCS Header record for APCS 1011 records. There can be multiple
APCS 1011 records in the file.
Page 180 of 321
# Field Description
Alpha/
Numeric
Mandatory/
Optional
Size Position
1
Record Type
Identifier
Must be 1011.
This is the APCS record type
for returned items
(dishonours).
Numeric Mandatory 4 1-4
2 Version
Must be 03.
Version number for the Record
Type approved by MC1.
Numeric Mandatory 2 5-6
3 BSB (Ledger FI)
Identifies the BSB encoded on
the cheque.
Must be the same as Field 3 in
the APCS 1010 Record being
dishonoured.
Numeric Mandatory 6 7-12
4 BSB (Collecting FI)
Identifies the address to which
the Item and mailing advice
must be returned if
dishonoured.
Must be the same as Field 4 in
the APCS 1010 Record being
dishonoured.
Numeric Mandatory 6 13-18
5 Transaction Code
Must be an industry agreed
transaction code as set out in
the APCS Procedures.
Must be the same as Field 5 in
the APCS 1010 Record being
dishonoured.
Numeric Mandatory 3 19-21
6 Amount
Must be a value greater than
zero.
Must be the same as Field 6 in
the APCS 1010 Record being
dishonoured.
Numeric Mandatory 12 22-33
7
BSB (Depositor’s
Nominated FI)
Identifies the domicile of the
account to which the value
was credited.
If not present, zero fill.
Must be the same as Field 7 in
the APCS 1010 Record being
dishonoured.
Numeric Optional 6 34-39
8
Drawer Account
Number
Valid values are 0 through 9
and blank.
Right justified and blank filled.
Must not contain all blanks or
all zeros.
Leading zeros, which are part
of an account number, must
be shown. (Some Financial
Institutions have leading zeros
in valid account numbers, ie.
00-1234 would be captured as
001234.)
Must contain the exact
numeric values contained in
the account number field on
the MICR Codeline.
Must be the same as Field 8 in
the APCS 1010 Record being
dishonoured.
Alphanumeric Mandatory 21 40-60
Page 181 of 321
# Field Description
Alpha/
Numeric
Mandatory/
Optional
Size Position
9
Account Number of
Depositor’s
Nominated Account
Must be the same as Field 9 in
the APCS 1010 Record being
dishonoured.
Alphanumeric Optional 21 61-81
10 Auxiliary Domestic
The actual number of digits
printed on the voucher must
be included in this field.
Must be the same as Field 10
in the APCS 1010 Record
being dishonoured.
Numeric Mandatory 9 82-90
11
Extra Auxiliary
Domestic
If present on the voucher, this
information must be shown in
this field.
Must be the same as Field 11
in the APCS 1010 Record
being dishonoured.
Numeric Optional 11 91-101
12 BSB (Capturing FI)
Identifies the region of
exchange.
Must be the same as Field 12
in the APCS 1010 Record
being dishonoured.
Numeric Mandatory 6 102-107
13 Transmission Date
Format of CCYYMMDD.
Must be the same as Field 13
in the APCS 1010 Record
being dishonoured.
Numeric Mandatory 8 108-115
14
Capture Device
Identifier
Must be the same as Field 14
in the APCS 1010 Record
being dishonoured.
Alphanumeric Mandatory 3 116-118
15
Transaction
Identifier
Must be the same as Field 15
in the APCS 1010 Record
being dishonoured.
Numeric Mandatory 12 119-130
16 Voucher Indicator
Must be the same as Field 16
in the APCS 1010 Record
being dishonoured.
Alphabet Mandatory 1 131-131
17 Manual Repair
Valid values are 1 or 0.
Must be the same as Field 17
in the APCS 1010 Record
being dishonoured.
Numeric Mandatory 1 132-132
18
Voucher Required by
Date
Format of CCYYMMDD.
Must be the same as Field 18
in the APCS 1010 Record
being dishonoured.
Numeric Mandatory 8 133-140
19
Voucher Required
Transaction ID
Must be the same as Field 19
in the APCS 1010 Record
being dishonoured.
Numeric Mandatory 12 141-152
20
Return Transaction
Identifier
Must be zeros. Numeric Optional 12 153-164
21 Return Code
Must be a valid industry
agreed return code as set out
in the APCS Procedures.
Numeric Mandatory 3 165-167
Page 182 of 321
# Field Description
Alpha/
Numeric
Mandatory/
Optional
Size Position
22
Title of Account to
be Debited
Must contain Title of account
at Drawee Institution, unless
unprocessable item (trancode
941), or no account (trancode
942), in which case it will
contain “n/a”.
Must not contain all blanks.
Alphanumeric Mandatory 60 168-227
23 BSB (Transferee FI)
Must be used only in
conjunction with Return Code
915.
Numeric Optional 6 228-233
Trailer Record – APCS 9090 for APCS 1011
This is the record that follows the last APCS 1011 detail record. There must be only one Trailer record
in the file for all APCS 1011 detail records.
# Field Description
Alpha/
Numeric
Mandatory/
Optional
Size Position
1
Record Type
Identifier
Must be 9090. Numeric Mandatory 4 1-4
2 Version
Must be 03.
Version number for the Record
Type approved by MC1.
Numeric Mandatory 2 5-6
3
File Credit Total
Amount
Must equal the accumulated
value of Credit Items (1011) in
the file.
Numeric Mandatory 18 7-24
4
File Debit Total
Amount
Must equal the accumulated
value of Debit Items (1011) in
the file.
Numeric Mandatory 18 25-42
5
File Count of Non-
Value Items
Must be zeros. Numeric Mandatory 6 43-48
6
File Count of Credit
Items
Must equal the accumulated
number of Credit Items (1011)
in the file.
Numeric Mandatory 6 49-54
7
File Count of Debit
Items
Must equal the accumulated
number of Debit Items (1011)
in the file.
Numeric Mandatory 6 55-60
Header Record – APCS 9000 for APCS 1510
This can be the first record in the file if APCS 1011 records are not present. There must be only one
APCS Header record in the file for all APCS 1510 detail records.
# Field Description
Alpha/
Numeric
Mandatory/
Optional
Size Position
1
Record Type
Identifier
Must be 9000. Numeric Mandatory 4 1-4
2 Version
Must be 03.
Version number for the Record
Type approved by MC1.
Numeric Mandatory 2 5-6
Page 183 of 321
# Field Description
Alpha/
Numeric
Mandatory/
Optional
Size Position
3 Transmission Date
Format of CCYYMMDD.
Date electronic record is
exchanged for settlement.
Numeric Mandatory 8 7-14
4 BSB (Sending FI)
Character positions 1 to 3 must
be a valid 2 or 3-digit
Institution Identifier issued by
APCS (refer to APCS publication
'BSB Numbers in Australia').
Numeric Mandatory 6 15-20
5
BSB (Receiving FI)
Static 010000
Numeric
Mandatory
6
21-26
6 Date File Created
Format of CCYYMMDD.
This date must equal the CAP
business processing date.
Numeric Mandatory 8 27-34
7
Time File Created
Format of HHMMSS.
Numeric
Mandatory
6
35-40
8
File Sequence
Number
Numeric Mandatory 3 41-43
9
Record Identifier
Must be 1510.
Numeric
Mandatory
4
44-47
Detail Record – APCS 1510
This is the record that follows the APCS Header record for APCS 1510 records. There can be multiple
APCS 1510 records in the file.
# Field Description
Alpha/
Numeric
Mandatory/
Optional
Size Position
1
Record Type
Identifier
Must be 1510.
This is the APCS record type
for voucher required requests.
Numeric Mandatory 4 1-4
2 Version
Must be 03.
Version number for the Record
Type approved by MC1.
Numeric Mandatory 2 5-6
3 BSB (Ledger FI)
Identifies the BSB encoded on
the cheque.
Must be the same as Field 3 in
the related APCS 1010 Record.
Numeric Mandatory 6 7-12
4 BSB (Collecting FI)
Identifies the address to which
the Item and mailing advice
must be returned if
dishonoured.
Must be the same as Field 4 in
the related APCS 1010 Record.
Numeric Mandatory 6 13-18
5 Transaction Code
Must be an industry agreed
transaction code as set out in
the APCS Procedures.
Must be the same as Field 5 in
the related APCS 1010 Record.
Numeric Mandatory 3 19-21
6 Amount
Must be a value greater than
zero.
Must be the same as Field 6 in
the related APCS 1010 Record.
Numeric Mandatory 12 22-33
Page 184 of 321
# Field Description
Alpha/
Numeric
Mandatory/
Optional
Size Position
7
BSB (Depositor’s
Nominated FI)
Identifies the domicile of the
account to which the value was
credited.
If not present, zero fill.
Must be the same as Field 7 in
the related APCS 1010 Record.
Numeric Optional 6 34-39
8
Drawer Account
Number
Valid values are 0 through 9
and blank.
Right justified and blank filled.
Must not contain all blanks or
all zeros.
Leading zeros, which are part
of an account number, must be
shown. (Some Financial
Institutions have leading zeros
in valid account numbers, ie.
00-1234 would be captured as
001234.)
Must contain the exact numeric
values contained in the account
number field on the MICR
Codeline.
Must be the same as Field 8 in
the related APCS 1010 Record.
Alphanumeric Mandatory 21 40-60
9
Account Number of
Depositor’s
Nominated Account
Must be the same as Field 9 in
the related APCS 1010 Record.
Alphanumeric Optional 21 61-81
10 Auxiliary Domestic
The actual number of digits
printed on the voucher must be
included in this field.
Must be the same as Field 10
in the related APCS 1010
Record.
Numeric Mandatory 9 82-90
11
Extra Auxiliary
Domestic
If present on the voucher, this
information must be shown in
this field.
Must be the same as Field 11
in the related APCS 1010
Record.
Numeric Optional 11 91-101
12 BSB (Capturing FI)
Identifies the region of
exchange.
Must be the same as Field 12
in the related APCS 1010
Record.
Numeric Mandatory 6 102-107
13 Transmission Date
Format of CCYYMMDD.
Must be the same as Field 13
in the related APCS 1010
Record.
Numeric Mandatory 8 108-115
14
Capture Device
Identifier
Must be the same as Field 14
in the related APCS 1010
Record.
Alphanumeric Mandatory 3 116-118
15
Transaction
Identifier
Must be the same as Field 15
in the related APCS 1010
Record.
Numeric Mandatory 12 119-130
Page 185 of 321
# Field Description
Alpha/
Numeric
Mandatory/
Optional
Size Position
16 Voucher Indicator
Must be the same as Field 16
in the related APCS 1010
Record.
Alphabet Mandatory 1 131-131
17 Manual Repair
Valid values are 1 or 0.
Must be the same as Field 17
in the related APCS 1010
Record.
Numeric Mandatory 1 132-132
18
Voucher Required by
Date
Format of CCYYMMDD. Numeric Optional 8 133-140
19
Voucher Required
Transaction ID
Must be zeros. Numeric Optional 12 141-152
Trailer Record – APCS 9090 for APCS 1510
This is the record that follows the last APCS 1510 detail record. There must be only one Trailer record
in the file for all APCS 1510 detail records.
# Field Description
Alpha/
Numeric
Mandatory/
Optional
Size Position
1
Record Type
Identifier
Must be 9090. Numeric Mandatory 4 1-4
2 Version
Must be 03.
Version number for the Record
Type approved by MC1.
Numeric Mandatory 2 5-6
3
File Credit Total
Amount
Must be zeros. Numeric Mandatory 18 7-24
4
File Debit Total
Amount
Must be zeros. Numeric Mandatory 18 25-42
5
File Count of Non-
Value Items
Must equal the accumulated
number of non-value Items
(1510) in the file.
Numeric Mandatory 6 43-48
6
File Count of Credit
Items
Must be zeros. Numeric Mandatory 6 49-54
7
File Count of Debit
Items
Must be zeros. Numeric Mandatory 6 55-60
13.11 Outward APCS Refusal File
The following file can be sent to ANZ refuse returned paper items (type 1012).
Outward APCS Refusal File Layout
• One File Header Record (9000)
• Zero or more Electronic Dishonour Refusal Record/s (1012)
• One File Total Record (9090)
Header Record – APCS 9000 for APCS 1012
This is the first record in the file. There must be only one APCS Header record in the file.
Page 186 of 321
# Field Description
Alpha/
Numeric
Mandatory/
Optional
Size Position
1
Record Type
Identifier
Must be 9000. Numeric Mandatory 4 1-4
2 Version
Must be 03.
Version number for the Record
Type approved by MC1.
Numeric Mandatory 2 5-6
3 Transmission Date
Format of CCYYMMDD.
Date electronic record is
exchanged for settlement.
Numeric Mandatory 8 7-14
4 BSB (Sending FI)
Character positions 1 to 3 must
be a valid 2 or 3-digit
Institution Identifier issued by
APCS (refer to APCS
publication 'BSB Numbers in
Australia').
Numeric Mandatory 6 15-20
5
BSB (Receiving FI)
Static 010000
Numeric
Mandatory
6
21-26
6 Date File Created
Format of CCYYMMDD.
This date must equal the CAP
business processing date.
Numeric Mandatory 8 27-34
7
Time File Created
Format of HHMMSS.
Numeric
Mandatory
6
35-40
8
File Sequence
Number
Numeric Mandatory 3 41-43
9
Record Identifier
Must be 1012.
Numeric
Mandatory
4
44-47
Detail Record – APCS 1012
This is the record that follows the APCS Header record in the file. There can be multiple APCS 1012
records in the file.
# Field Description
Alpha/
Numeric
Mandatory/
Optional
Size Position
1
Record Type
Identifier
Must be 1012.
This is the APCS record type for
refused returned items
(refusals).
Numeric Mandatory 4 1-4
2 Version
Must be 03.
Version number for the Record
Type approved by MC1.
Numeric Mandatory 2 5-6
3 BSB (Ledger FI)
Identifies the BSB encoded on
the cheque.
Must be the same as Field 3 in
the APCS 1011 Record being
refused.
Numeric Mandatory 6 7-12
4 BSB (Collecting FI)
Identifies the address to which
the Item and mailing advice
must be returned if
dishonoured.
Must be the same as Field 4 in
the APCS 1011 Record being
refused.
Numeric Mandatory 6 13-18
Page 187 of 321
# Field Description
Alpha/
Numeric
Mandatory/
Optional
Size Position
5 Transaction Code
Must be an industry agreed
transaction code as set out in
the APCS Procedures.
Must be the same as Field 5 in
the APCS 1011 Record being
refused.
Numeric Mandatory 3 19-21
6 Amount
Must be a value greater than
zero.
Must be the same as Field 6 in
the APCS 1011 Record being
refused.
Numeric Mandatory 12 22-33
7
BSB (Depositor’s
Nominated FI)
Identifies the domicile of the
account to which the value was
credited.
If not present, zero fill.
Must be the same as Field 7 in
the APCS 1011 Record being
refused.
Numeric Optional 6 34-39
8
Drawer Account
Number
Valid values are 0 through 9
and blank.
Right justified and blank filled.
Must not contain all blanks or
all zeros.
Leading zeros, which are part
of an account number, must be
shown. (Some Financial
Institutions have leading zeros
in valid account numbers, ie.
00-1234 would be captured as
001234.)
Must contain the exact numeric
values contained in the account
number field on the MICR
Codeline.
Must be the same as Field 8 in
the APCS 1011 Record being
refused.
Alphanumeric Mandatory 21 40-60
9
Account Number of
Depositor’s
Nominated Account
Must be the same as Field 9 in
the APCS 1011 Record being
refused.
Alphanumeric Optional 21 61-81
10 Auxiliary Domestic
The actual number of digits
printed on the voucher must be
included in this field.
Must be the same as Field 10 in
the APCS 1011 Record being
refused.
Numeric Mandatory 9 82-90
11
Extra Auxiliary
Domestic
If present on the voucher, this
information must be shown in
this field.
Must be the same as Field 11 in
the APCS 1011 Record being
refused.
Numeric Optional 11 91-101
Page 188 of 321
# Field Description
Alpha/
Numeric
Mandatory/
Optional
Size Position
12 BSB (Capturing FI)
Identifies the region of
exchange.
Must be the same as Field 12 in
the APCS 1011 Record being
refused.
Numeric Mandatory 6 102-107
13 Transmission Date
Format of CCYYMMDD.
Must be the same as Field 13 in
the APCS 1011 Record being
refused.
Numeric Mandatory 8 108-115
14
Capture Device
Identifier
Must be the same as Field 14 in
the APCS 1011 Record being
refused.
Alphanumeric Mandatory 3 116-118
15
Transaction
Identifier
Must be the same as Field 15 in
the APCS 1011 Record being
refused.
Numeric Mandatory 12 119-130
16 Voucher Indicator
Must be the same as Field 16 in
the APCS 1011 Record being
refused.
Alphabet Mandatory 1 131-131
17 Manual Repair
Valid values are 1 or 0.
Must be the same as Field 17 in
the APCS 1011 Record being
refused.
Numeric Mandatory 1 132-132
18
Voucher Required
by Date
Format of CCYYMMDD.
Must be the same as Field 18 in
the APCS 1011 Record being
refused.
Numeric Mandatory 8 133-140
19
Voucher Required
Transaction ID
Must be the same as Field 19 in
the APCS 1011 Record being
refused.
Numeric Mandatory 12 141-152
20
Return Transaction
Identifier
Must be the same as Field 20 in
the APCS 1011 Record being
refused.
Numeric Optional 12 153-164
21 Return Code
Must be a valid industry agreed
return code as set out in the
APCS Procedures.
Must be the same as Field 21 in
the APCS 1011 Record being
refused.
Numeric Mandatory 3 165-167
22
Title of Account to
be Debited
Must contain Title of account at
Drawee Institution, unless
unprocessable item (trancode
941), or no account (trancode
942), in which case it will
contain “n/a”.
Must not contain all blanks.
Must be the same as Field 22 in
the APCS 1011 Record being
refused.
Alphanumeric Mandatory 60 168-227
23 BSB (Transferee FI)
Must be used only in
conjunction with Return Code
915.
Must be the same as Field 23 in
the APCS 1011 Record being
refused.
Numeric Optional 6 228-233
Page 189 of 321
# Field Description
Alpha/
Numeric
Mandatory/
Optional
Size Position
24
Refusal Transaction
Identifier
Must be zeros. Numeric Optional 12 234-245
25 Refusal Code
Must be a valid industry agreed
refusal code as set out in the
APCS Procedures.
Numeric Mandatory 2 246-247
Trailer Record – APCS 9090 for APCS 1012
This is the last record in the file. It follows the last Detail record. There must be only one Trailer
record in the file.
# Field Description
Alpha/
Numeric
Mandatory/
Optional
Size Position
1
Record Type
Identifier
Must be 9090. Numeric Mandatory 4 1-4
2 Version
Must be 03.
Version number for the Record
Type approved by MC1.
Numeric Mandatory 2 5-6
3
File Credit Total
Amount
Must equal the accumulated
value of Credit Items (1012) in
the file.
Numeric Mandatory 18 7-24
4
File Debit Total
Amount
Must equal the accumulated
value of Debit Items (1012) in
the file.
Numeric Mandatory 18 25-42
5
File Count of Non-
Value Items
Must be zeros. Numeric Mandatory 6 43-48
6
File Count of Credit
Items
Must equal the accumulated
number of Credit Items (1012)
in the file.
Numeric Mandatory 6 49-54
7
File Count of Debit
Items
Must equal the accumulated
number of Debit Items (1012)
in the file.
Numeric Mandatory 6 55-60
13.12 Inward BECS Return and Refusal Files
The following files can be sent to ANZ to return invalid Direct Entry items (Type 2 record) or refuse
returned Direct Entry items (Type 3 record). A file can contain either type 2 records or type 3
records, but not both.
Header Record – BECS Type 0
There must be only one BECS Header record in the file.
Field Description Alpha/
Numeric
Mandatory/
Optional
Size Position
Record Type 0 Must be 0. Numeric Mandatory 1 1
Filler Must be blank filled. Alpha Mandatory 17 2-18
Reel Sequence
Number
Must be numeric commencing at 01.
Right justified. Zero filled.
Numeric Mandatory 2 19-20
Page 190 of 321
Field Description Alpha/
Numeric
Mandatory/
Optional
Size Position
Mnemonic of
Financial
Institution
Initiating return
of the Returned
Item
Must be the first 3 numeric characters of the
Financial Institution BSB returning or
refusing the item.
Numeric Mandatory 3 21-23
Filler Must be blank filled. Alpha Mandatory 7 24-30
BSB of the
Sending Member
Must be 6 numeric characters of the
Financial Institution BSB returning or
refusing the item.
Numeric Mandatory 26 31-56
Returning FI ID
Number
Must be the Returning/Refusing FI ID
Number (of the FI initiating the return or
refusal) assigned by APCS. Must be
numeric.
Numeric Mandatory 6 57-62
Description of
Entries on File
Must be 'TYPE 2'. for a Returned Items File
Must be 'TYPE 3'. for a Refusals File
Alpha Mandatory 12 63-74
Date of return of
the Returned
Item
Must be numeric and in the format of
DDMMYY.
Must be a valid date. Zero filled.
Numeric Mandatory 6 75-80
Filler Must be blank filled. Alpha Mandatory 40 81-120
Detail Record – BECS Type 2
This is the record that follows the Header record in the file.
There can be multiple Type 2 records in the file.
Field Description Alpha/
Numeric
Mandatory/
Optional
Size Position
Record Type 2
Must be 2.
This is the APCS record type for returned
items (dishonours).
Alpha
Mandatory
1
1
BSB Number
Must be numeric with a hyphen on 4
TH
character position.
Must be positions 81-87 of the original
Type 1 Detail Record.
Alpha
Mandatory
7
2-8
Account Number
to be
Credited/Debited
Alpha (26 letters of the alphabet), numeric,
hyphens & blanks only are valid. Must not
contain all blanks or all zeros.
Leading zeros, which are part of an account
number must be shown. Edit out hyphens
where account number exceeds nine
characters. Right justified. Blank filled.
Must be positions 88-96 of the original
Type 2 Detail Record.
Alpha
Mandatory
9
9-17
Page 191 of 321
Field Description Alpha/
Numeric
Mandatory/
Optional
Size Position
Return Code
Must be a valid industry Return Code.
Numeric
Mandatory
1
18
Transaction Code
Must be positions 19-20 of the original
Type 1 Detail Record.
Numeric
Mandatory
2
19-20
Amount
Must be positions 21-30 of the original
Type 1 Detail Record.
Numeric
Mandatory
10
21-30
Title of Account
to be
Credited/Debited
Must be positions 31-62 of the original
Type 1 Detail Record.
Alpha
Mandatory
32
31-62
Lodgement
Reference
Reference as
submitted by the
User, indicating
details of the
origin of the
entry, eg.,
Payroll Number,
Invoice, Contract
Number.
Must be positions 63-80 of the original
Type 1 Detail Record
Alpha
Mandatory
18
63-80
Trace Record
BSB Number and
account number
of User, to
enable retracing
of the entry to its
source if
necessary.
Must be positions 81-96 of the original
Type 1 Detail Record.
Alpha
Mandatory
15
81-96
(BSB Number)
Must be numeric with a hyphen on 4
TH
character position.
Must be positions 2-8 of the original
Type 1 Detail Record.
Alpha
Mandatory
7
(81-87)
(Account
Number)
Must be positions 9-17 of the original
Type 1 Detail Record
Alpha
Mandatory
9
(88-96)
Name of
Remitter
Must be positions 97-112 of the original
Type 1 Detail Record
Alpha
Mandatory
16
97-112
Original Day of
Processing
Must be a valid day. Numeric in DD format.
Must be positions 75-76 of the Original
Type 0 Descriptive Record.
Numeric
Mandatory
2
113-114
Original User's ID
Number
Must be positions 57-62 of the Original
Type 0 Descriptive record.
Numeric
Mandatory
6
115-120
Page 192 of 321
Detail Record – BECS Type 3
This is the record that follows the Header record in the file.
There can be multiple Type 3 records in the file.
Field Description
Alpha/
Numeric
Mandatory/
Optional
Size Postion
File Record Type Must be ‘D’ Alpha Mandatory 1
Record Type 3 Must be 3.
This is the APCS record type for refused
items (dishonours).
1
1
BSB Number
Must be numeric with a hyphen on 4
TH
character position.
Must be positions 81-87 of the original
Type 2 Detail Record.
Alpha
Mandatory
7
2-8
Account Number
to be
Credited/Debited
Alpha (26 letters of the alphabet), numeric,
hyphens & blanks only are valid. Must not
contain all blanks or all zeros.
Leading zeros, which are part of an account
number must be shown. Edit out hyphens
where account number exceeds nine
Characters. Right justified. Blank filled.
Must be positions 88-96 of the original
Type 2 Detail Record.
Alpha Mandatory 9 9-17
Refusal Code
Must be a valid industry Refusal Code. Numeric Mandatory 1 18
Transaction Code
Must be positions 19-20 of the original
Type 2 Detail Record.
Numeric Mandatory 2 19-20
Amount
Must be positions 21-30 of the original
Type 2 Detail Record.
Numeric Mandatory 10 21-30
Title of Account
to be
Credited/Debited
Must be positions 31-62 of the original
Type 2 Detail Record.
Alpha Mandatory 32 31-62
Lodgement
Reference
Reference as
submitted by the
User, indicating
details of the
origin of the
entry, e.g.
, Payroll Number,
Invoice, Contract
Number.
Must be positions 63-80 of the original
Type 2 Detail Record
Alpha Mandatory 18 63-80
Trace Record
BSB Number and
account number
of User, to enable
retracing of the
entry to its
source if
necessary.
Must be positions 81-96 of the original
Type 2 Detail Record.
81-96
(BSB Number)
Must be numeric with a hyphen on 4
TH
character position.
Must be positions 2-8 of the original
Type 2 Detail Record.
Alpha Mandatory 7 (81-87)
(Account
Number)
Must be positions 9-17 of the original
Type 2 Detail Record
Alpha Mandatory 9 (88-96)
Name of Remitter
Must be positions 97-112 of the
original Type 2 Detail Record
Alpha Mandatory 16 97-112
Original Day of
Return
Must be a valid day. Numeric in DD format.
Must be positions 75-76 of the Original
Type 0 Descriptive Record.
Numeric Mandatory 2 113-114
Page 193 of 321
Original User's ID
Number
Must be positions 115-120 of the
Original Type 2 Detail record.
Numeric Mandatory 6 115-120
Trailer Record – BECS Type 7
This is the last record in the file. It follows the last Detail record.
There must be only one Trailer record in the file.
Field
Description
Alpha/
Numeric
Mandatory/
Optional
Size
Postion
Record Type 7
Must be 7.
Numeric
Mandatory
1
1
BSB Number
Must be 999-999.
Alpha
Optional
7
2-8
Blank
Must be blank filled.
Alpha
Mandatory
12
9-20
File (User) Net
Total Amount
Must be the difference between the File
Credit and File Debit total amounts.
Numeric only valid. Show in cents without
punctuation. Right justified. Zero filled.
Unsigned.
Numeric
Mandatory
10
21-30
File (User) Credit
Total Amount
Must equal the accumulated total of credit
Detail Record amounts.
Numeric only valid. Show in cents without
punctuation. Right justified. Zero filled.
Unsigned.
Numeric
Mandatory
10
31-40
File (User) Debit
Total Amount
Must equal the accumulated total of debit
Detail Record amounts.
Numeric only valid. Show in cents without
punctuation. Right justified. Zero filled.
Unsigned.
Numeric
Mandatory
10
41-50
Blank
Must be blank filled.
Alpha
Mandatory
24
51-74
File (User) Count
of Record Type 2
Must equal the accumulated number of
Record Type 2 in the file.
Numeric only valid. Right justified. Zero
filled.
Numeric
Mandatory
6
75-80
Blank
Must be blank filled.
Alpha
Mandatory
40
81-120
13.13 Threshold Transaction Report
Threshold Transaction Report File Layout
The Agency TTR report is a fixed length format
Each Agency TTR file will include records even if there are no detail records for an Agency for a day.
For each Agency, there will be
• TTR File Header 1..1
• TTR Detail Records 0..n
• TTR File Trailer 1..1
TTR Detail Records will not be present if there are no threshold transactions to report on.
Page 194 of 321
Threshold Transaction Report Header Record
Index
Name
Notes
Type
Presence
Size
Position
H1
Record Type
Static Value: "0"
Alpha
Mandatory
1
1-1
H2
Processing Date
Date Format: YYYY-MM-DD
Alpha
Mandatory
10
2-11
H3
CRLF
Alpha
Mandatory
2
12-13
Threshold Transaction Report Detail Record
Index
Name
Notes
Type
Presence
Size
Position
D1
Record Type
Static Value: "1"
Numeric
Mandatory
1
1-1
Reporting Branch Details
D2 Branch Name
Left-justified, space filled
Maps to
<header><reportingBranch><name
>
Alpha Mandatory 120 2-121
D3
Branch
Number
6-digit number, left-justified, space
filled
Sample: “013026 “
Maps to
<header><reportingBranch><branc
hI d>=
Numeric Mandatory 35 122-156
D4
Branch
Address
Left-justified, space filled
Maps to
<header><reportingBranch><addre
ss
><addr>
Alpha Mandatory 140 157-296
D5 Branch Suburb
Left-justified, space filled
Maps to
<header><reportingBranch><addre
ss
><suburb>
Alpha Mandatory 35 297-331
D6 Branch State
Australian state abbreviation, left-
justified, space filled.
Sample: “NSW”
Maps to
<header><reportingBranch><addre
ss
><state>
Alpha Mandatory 35 332-366
D7
Branch
Postcode
4-digit number, left-justified, space
filled
Sample: “3000 “
Maps to
<header><reportingBranch><addre
ss
><postcode>
Alpha Mandatory 15 367-381
Account Details
D8 Account BSB
Right-justified, zero filled
Maps to
<customer><account><bsb>
Numeric Mandatory 6 382-387
Page 195 of 321
Index
Name
Notes
Type
Presence
Size
Position
D9
Account
Number
20-digit number, left-justified, space
filled.
Sample: “00000000000123456789 “
Maps to
<customer><account><number>
Numeric Mandatory 34 388-421
Represented Organisation
D10
Represented
Organisation
The name of the organisation
represented by the individual
conducting the transaction. Left-
justified, space filled
Maps to
<representedOrganisation><fullNam
e
>
Alpha Optional 140 422-561
D11 Address
The unit/number and street portion
of an address. Do not provide
suburb, town, city, postcode, state,
or country names in this field.
Left-justified, space filled
Maps to
<representedOrganisation><mainAd
dr ess><addr>
Alpha Optional 140 562-701
D12 Suburb
The suburb, town or city name. Left-
justified, space filled
Maps to
<representedOrganisation><mainAd
dr ess><suburb>
Alpha Optional 35 702-736
D13 State
A standard acronym or full name
designation of a state, province,
county or territory (Australian or
foreign).
Left-justified, space filled. Sample:
“NSW”
Maps to
<representedOrganisation><mainAd
dr ess><state>
Alpha Optional 35 737-771
D14 Postcode
A postcode or zipcode. Left-justified,
space filled Sample: “3000 “
Maps to
<representedOrganisation><mainAd
dr ess><postcode>
Numeric Optional 15 772-786
D15 Country
A country expressed as a standard
ISO 3166 short name (in English).
Left-justified, space filled
Maps to
<representedOrganisation><mainAd
dr ess><country>
Alpha Optional 35 787-821
D16 A.B.N
Australian Business Number Right-
justified, zero filled
Maps to
<representedOrganisation><abn>
Alpha Optional 11 822-832
Page 196 of 321
Index
Name
Notes
Type
Presence
Size
Position
D17 A.C.N
Australian Company Number Right-
justified, zero filled
Maps to
<representedOrganisation><acn>
Alpha Optional 9 833-841
D18 A.R.B.N
Australian Registered Body Number
Right-justified, zero filled
Maps to
<representedOrganisation><arbn>
Alpha Optional 9 842-850
Individual Conducting Transaction (ICT)
D19 Full Name
The full name of the individual
conducting the transaction, be it the
name of an employee of the
customer or another individual.
Left-justified, space filled
Maps to
<individualConductingTxn><fullNam
e
>
Alpha Optional 140 851-990
D20 Alt Name
Any other name(s) the individual
conducting the transaction uses or is
commonly known by or trades
under. Left-justified, space filled
Maps to
<individualConductingTxn><altNam
e>
Alpha Optional 140
991-
1130
D21 Address
The unit/number and street portion
of an address. Do not provide
suburb, town, city, postcode, state,
or country names in this field.
Left-justified, space filled
Maps to
<individualConductingTxn><mainAd
dr ess><addr>
Alpha Optional 140
1131-
1270
D22 Suburb
The suburb, town or city name. Left-
justified, space filled
Maps to
<individualConductingTxn><mainAd
dr ess><suburb>
Alpha Optional 35
1271-
1305
D23 State
A standard acronym or full name
designation of a state, province,
county or territory (Australian or
foreign).
Left-justified, space filled. Sample:
“NSW”
Maps to
<individualConductingTxn><mainAd
dr ess><state>
Alpha Optional 35
1306-
1340
Page 197 of 321
Index
Name
Notes
Type
Presence
Size
Position
D24 Postcode
A postcode or zipcode. Left-justified,
space filled Sample: “3000 “
Maps to
<individualConductingTxn><mainAd
dr ess><postcode>
Numeric Optional 15
1341-
1355
D25 Country
A country expressed as a standard
ISO 3166 short name (in English).
Left-justified, space filled
Maps to
<individualConductingTxn><mainAd
dr ess><country>
Alpha Optional 35
1356-
1390
D26 Postal Address
The unit/number and street portion
of an address. Do not provide
suburb, town, city, postcode, state,
or country names in this field.
Left-justified, space filled
Maps to
<individualConductingTxn><postalA
dd ress><addr>
Alpha Optional 140
1391-
1530
D27 Postal Suburb
The suburb, town or city name. Left-
justified, space filled
Maps to
<individualConductingTxn><postalA
dd ress><suburb>
Alpha Optional 35
1531-
1565
D28 Postal State
A standard acronym or full name
designation of a state, province,
county or territory (Australian or
foreign).
Left-justified, space filled. Sample:
“NSW”
Maps to
<individualConductingTxn><postalA
dd ress><state>
Alpha Optional 35
1566-
1600
D29
Postal
Postcode
A postcode or zipcode. Left-justified,
space filled Sample: “3000 “
Maps to
<individualConductingTxn><postalA
dd ress><postcode>
Numeric Optional 15
1601-
1615
D30 Postal Country
A country expressed as a standard
ISO 3166 short name (in English).
Left-justified, space filled
Maps to
<individualConductingTxn><postalA
dd ress><country>
Alpha Optional 35
1616-
1650
Page 198 of 321
Index
Name
Notes
Type
Presence
Size
Position
D31 Phone
Contact phone number, including
international access codes and area
codes.
Left-justified, space filled Sample:
“+61444111222 “
Maps to
<individualConductingTxn><phone>
Alpha Optional 20
1651-
1670
D32
Occupational
Type
Contact phone number, including
international access codes and area
codes.
Left-justified, space filled Sample:
“+61444111222 “
Maps to
<individualConductingTxn><phone>
Alpha Optional 1
1671-
1671
D33
Occupation
Code
Industry/Occupation Code
When ‘Occuaption Code’, above, is
‘M’, a 4-digit ANZSIC-2006 code,
left- justified, space filled
Sample: “0135 “
Maps to
<individualConductingTxn><indOcc
>< code>
Numeric Optional 7
1672-
1678
D34 Occupation
A text description of an occupation,
business or principal activity. It is
preferable for descriptions to match
those used by the ANZSIC and ASCO
lists published by the Australian
Bureau of Statistics.
When ‘Occuaption Code’, above, is
space, a description of the
occupation, left-justified, space filled
Maps to
<individualConductingTxn><indOcc
>< description>
Alpha Optional 150
1679-
1828
D35 Date of Birth Date Format: YYYY-MM-DD Alpha Optional 10
1829-
1838
D36
ICT
Relationship to
customer
“C” = ICT is the customer
“E” = ICT is an Employee of the
Customer
“A” = ICT is an Agent of the
Customer
“R” = ICT is Representing an
organisation
“U” = ICT is Unrelated to the
Customer
Alpha Optional 1
1839-
1839
Page 199 of 321
Index
Name
Notes
Type
Presence
Size
Position
D37
ICT Agency
Authorisation
Identify any customer(s) that this
individual or the organisation the
individual represents is authorised to
act for or on behalf of and provide a
description of the authority used.
Left-justified, space filled
This will be spaces, except when the
“ICT Relationship to customer” is ‘A’.
Maps to
<individualConductingTxn><agency
Au thorisation>
Alpha Conditional 20
1840-
1859
Identification of ICT
D38 Type of ID
Type of identification, where there is
a predefined identified
documentation type listed.
Left-justified, space filled
Maps to
<individualConductingTxn><identific
at ion><type>
Alpha Optional 4
1860-
1863
D39
Other Type of
ID
A text description of the alternate
identification document where there
is no predefined identification
document type.
Left-justified, space filled
Maps to
<individualConductingTxn><identific
at ion><typeOther>
Alpha Conditional 30
1864-
1893
D40 ID Number
A text description of the alternate
identification document where there
is no predefined identification
document type.
Left-justified, space filled
Maps to
<individualConductingTxn><identific
at ion><typeOther>
Alpha Optional 20
1894-
1913
D41 ID Issuer
Name of the government body or
organisation that issued the
identification document.
Left-justified, space filled
Maps to
<individualConductingTxn><identific
at ion><issuer>
Alpha Optional 100
1914-
2013
D42
ID Country of
Issue
Name of the country of where the
identification document was issued.
Left-justified, space filled
Maps to
<individualConductingTxn><identific
at ion><country>
Alpha Optional 35
2014-
2048
Transaction Details
D43
Transaction
Date
Date Format: YYYY-MM-DD Alpha Mandatory 10
2049-
2058
Page 200 of 321
Index
Name
Notes
Type
Presence
Size
Position
D44
Total amount
of transaction
Total dollar amount of the entire
transaction.
Amount is in AUD, rounded down to
the dollar.
Right-justified, zero filled
Maps to
<transaction><totalAmount>
Numeric Mandatory 17
2059-
2075
D45
Total cash
received
Total dollar amount of the cash
received from the customer by the
reporting entity.
Amount is in AUD, rounded down to
the dollar.
Right-justified, zero filled
Maps to
<transaction><moneyReceived><ca
s h>
Numeric Conditional 17
2076-
2092
D46
Total amount
of cheques
deposited
Total dollar amount of cheques
(including bank cheques, money
orders and travellers cheques)
deposited in the transaction. Amount
is in AUD, rounded down to the
dollar.
Right-justified, zero filled
Maps to
<transaction><moneyReceived><n
on CashReceived><chi><amount>
Numeric Conditional 17
2093-
2109
D47
Cheque Payee
Name
The name of the payee is the same
as the name of the Individual
Conducting the Transaction.
This field is only populated when a
cheque is cashed, not when a
cheque is part of a deposit to an
account.
Right-justified, zero filled
Maps to
<transaction><moneyReceived><n
on
CashReceived><chi><cheque><pay
e eName>
Alpha Conditional 140
2110-
2249
D48
Total amount
of funds
withdrawn
from accounts
Total dollar amount of funds
withdrawn from accounts in the
transaction. Amount is in AUD,
rounded down to the dollar. Right-
justified, zero filled
Maps to
<transaction><moneyReceived><n
on CashReceived><fai><amount>
OR
<transaction><moneyReceived><n
on CashReceived><ldi><amount>
Numeric Conditional 17
2250-
2266
Page 201 of 321
Index
Name
Notes
Type
Presence
Size
Position
D49
Total cash
provided
Total dollar amount of the cash
provided to the customer by the
reporting entity. Amount is in AUD,
rounded down to the dollar. Right-
justified, zero filled
Maps to
<transaction><moneyProvided><ca
sh
>
Numeric Conditional 17
2267-
2283
D50
Total amount
of funds
deposited to
accounts
Total dollar amount of funds
deposited to accounts in the
transaction. Amount is in AUD,
rounded down to the dollar. Right-
justified, zero filled
Maps to
<transaction><moneyProvided><no
n CashProvided><fao><amount>
OR
<transaction><moneyProvided><no
n CashProvided><lro><amount>
Numeric Conditional 17
2284-
2300
D51
Total amount
of Fees and
charges
Total fees and charges in the
transaction. Amount is in AUD,
rounded down to the dollar. Right-
justified, zero filled
Maps to
<transaction><moneyProvided><no
n CashProvided><fco><amount>
Numeric Conditional 17
2301-
2317
D52 CRLF
Alpha Mandatory 2
2318-
2319
Threshold Transaction Report Trailer Record
Index
Name
Notes
Type
Presence
Size
Position
T1
Record Type
Static Value: "9"
Numeric
Mandatory
1
1-1
T2
Report Count
Zero Filled
Numeric
Mandatory
6
2-7
T3
CRLF
Alpha
Mandatory
2
8-9
13.14 Appointer Image File (AIF) XML File Format
The AIF file format is an XML. It consists of 3 Record Types:
• <HEADER> Identifies the submitting Appointer
• <ITEM> A record for each voucher to be processed
• <TRAILER> Confirmation of the value and quantity of vouchers detailed in the file.
All XML tags should be available in the file irrespective of a value exists or not. If no value exists for a
field, it should have an empty tag (e.g. <TRANCODE></TRANCODE>)
In the definition columns below the following codes are used:
• N Numeric field, i.e. the field can only contain 0,1,2,3,4,5,6,7,8 or 9.
• X Alphanumeric field
• {number} Field size, e.g. (5) would be a field of 5 characters
Page 202 of 321
• DD Day of the month, e.g. 18 for the 18
th
• MM Number of the month, e.g. 07 for July
• CCYY Century and year of the century, e.g. 2005
• RJ Right Justified
• ZF Zero Filled
• hhmmss Two digit hour, two digit minute, two digit second expressed in 24 hour time
<HEADER> Record
XML Tag Description Definition Mandatory Other Information
<TRANSMISSION_DATE> The date the file is sent to
ANZ for exchange and
settlement
N (8) Yes Format: CCYYMMDD
E.g. “20150615” for 15th
June 2015
<BSB_COLLECTING_FI> The BSB of the negotiating
Appointer
N (6) RJZF Yes E.g. “032055”, the BSB
with the hyphen removed
<CUSTOMER_ID> 3 letter Appointer
Mnemonic
X(3) Yes E.g. ANZ
<APPOINTER_NAME> Name of the submitting
Appointer
X(50) Yes E.g. “Australia and New
Zealand Banking Group
Limited”
<DATE_FILE_CREATED> Date of the file N (8) Yes Format: CCYYMMDD
E.g. “20050615” for 15th
June 2005
<TIME_FILE_CREATED> The time the file is created
by the Appointer
N (6) RJZF Yes Format: hhmmss
E.g. “165503” for
4:55.03pm
<SEQ_NUMBER> An incremental sequence
number for the file used
by ANZ to ensure
duplicate files are not
processed
N (3) RJZF Yes E.g. “003” for the third
file, or “000”
<FILE_IND> The File Indicator of this
file
N (1) Yes ‘I’ or ‘F’
<ITEM> Record
XML Tag Description Definition Mandatory Other Information
<EXAUXDOM>* Extra Auxiliary
Domestic
(Any agent
deposit code)
N (11) Yes E.g. “123456789”
if DBT empty tag -
<EXAUXDOM></EXAUXDOM>
<AUXDOM>* Auxiliary
Domestic (or
Cheque
Number)
N (9) Yes E.g. “123456789“ or “001234”
if CRT empty tag -
<AUXDOM></AUXDOM>
Page 203 of 321
XML Tag Description Definition Mandatory Other Information
<BSB> ** The BSB of the
voucher
(cheque, credit
slip)
N (6) Yes E.g. “032055”, the BSB with the hyphen
removed
<ACCOUNT>* The account
number from
the item
N (23) Yes E.g. “999999999”, > zero required
<TRANCODE> Transaction
code of this
type of
voucher
N (3) Yes (If on cheque), e.g. “50 “ or
empty tag - <TRANCODE></TRANCODE>
<AMOUNT> Value of the
voucher
(cheque, credit
slip)
N (12) Yes Amount expressed in cents
E.g. “11515” for $115.15
<CUST_REP_IND> Indicates if the
details of the
voucher were
manually
captured at
the Appointer’s
branch
N (1) Yes Literal of “1” if manually repaired or “0” if
not
<CUST_REC_ID> Customers
Record
Reference
X (12) Yes Customers’ Unique record Reference or
Empty tag -
<CUST_REC_ID></CUST_REC_ID>
<DOCTYPE> Is the
document a
debit or credit
X (3) Yes Literal “DBT” or “CRT”
<CUST_BCH_ID> Appointers
capture branch
ID
N (6) Yes E.g. “012555” or
empty tag -
<CUST_BCH_ID></CUST_BCH_ID>
<CUST_BCH_NAME> Appointers
capture branch
name
X (16) Yes E.g. “Sydney” or
empty tag-
<CUST_BCH_NAME></CUST_BCH_NAME>
<MICRSTRING> MICR
Firmware
string from
Scanning
Device
X(50) Yes MICR string or
empty tag -
<MICRSTRING></MICRSTRING>
<OCRSTRING> OCR Firmware
string from
Scanning
Device
X(50) Yes OCR string or
empty tag -
<OCRSTRING></OCRSTRING>
<FRONTIMAGE> Front Image
Base64 string
Base64 Yes Front Image Base64 string
Page 204 of 321
XML Tag Description Definition Mandatory Other Information
<REARIMAGE> Rear Image
Base64 string
Base64 Yes Rear Image Base64 string
<ITEM> Record Notes:
* <EXAUXDOM> (Extra Auxiliary Domestic) field is eleven characters. This field be at least six
characters, right justified and zero filled.
All codeine fields in the file must match the exact codeine on the paper.
E.g. “001234”, or “123456”, or “123456789”, etc.
* <AUX_DOM> (Auxiliary Domestic) field is nine characters. This field must be at least six characters,
right justified and zero filled.
All codeine fields in the file must match the exact codeine on the paper.
E.g. “001234”, or “123456”, or “123456789”, etc.
* <ACCOUNT> (Account Number) field is twenty three characters. This field must be at least six
characters, right justified and zero filled.
All codeine fields in the file must match the exact codeine on the paper.
Eg. “001234”, or “123456”, or “123456789”, etc.
** Credit BSB’s will be validated against the relevant customer’s CRT Account with ANZ. If the BSB
on a CRT does not match the BSB for the customer, the file will be rejected and an error response file
generated and sent back to customer.
<TRAILER> Record
XML Tag Description Definition Mandatory Other Information
<DEBIT_ITEMS> Count of the number of
debit items in the file
N (6) Yes E.g. “7112” for 7,112 debit
items in the file
<DEBIT_VALUE> Total value of the debit
items in the file
N (18) Yes Amount expressed in cents
E.g. “871553” for debit value
$8,715.53
<CREDIT_ITEMS> Count of the number of
credit items in the file
N (6) Yes E.g. “112” for 112 credit items
in the file
<CREDIT_VALUE> Total value of the credit
items in the file
N (18) Yes Amount expressed in cents
E.g. “871553” for credit value
$8,715.53
Trailer Record Notes:
The Trailer record is used to confirm the details of the file. It summarises by the number and value of
items to be processed grouped by document type.
Sample AIF file
Provided as a separate file on request.
Image Quality Requirements
Voucher images (Front & rear) captured should satisfy the following requirements (before base64
conversion).
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• Greyscale JPEG image
• 256 shades
• Minimum 100 DPI resolution
• Quality Factor 30
File Requirements
The AIF file must meet the following requirements:
• APPOINTER may send multiple Interim AIF files on a day but must send one, and only one,
final AIF file.
• The AIF file must be for the current ANZ processing day.
• A transaction’s total DBT value must balance with its corresponding CRT value
• All Detail record value and counts must balance with the totals contained in the Trailer record.
• AIF XML file should be an XML file with “utf-8” encoding.
File Validations
On receipt of an AIF file, ANZ will verify that the file has been delivered to the correct server and then
put the AIF file through an internal validation process to determine if the file is in a suitable format for
processing. Through the validation process ANZ ensures that:
Header record
• APPOINTER ID in header record is valid;
• The Transmission Date in the header record is the validation processing date;
• The filename is correct.
• It is the first time that ANZ has successfully processed the File Sequence Number;
• The Header record structure is syntactically correct.
Detail record
• Debits balance to Credits in a transaction;
• CRT Detail records must have a unique EXAUXDOM.
• The Detail record count matches the totals in Trailer record.
• The Detail record structure is syntactically correct.
• Maximum number of Detail record’s allowed in one AIF is 1000.
Trailer record
• All Debit and Credit amount totals and all Debit and Credit transaction record counts are
correct (i.e. balance with the detail record).
• The Trailer record structure is syntactically correct.
If any of the above file verifications fail with respect to the AIF file sent by Appointer, a response file
(ERR file - AIF_Date_{AppointerMnemonic}_{StateCapital}_{SeqNo}_{FileIndicator}.ERR)
will be generated by ANZ and sent to Appointer via GCIS detailing the reason for verification failure.
The only exception to this is, if the verification process cannot determine the Appointer from the
Header record with absolute certainty, an automatic response will not be generated.
The Appointer will receive an acknowledgement (ACK file - AIF_Date_ {Appointer Mnemonic}
_{State Capital}_{Seq No}_{File Indicator}.ACK) of valid files. Such acknowledgements will be
received by Appointer within 30 minutes of receipt of the AIF file by ANZ via GCIS.
Acknowledgement of AIF file validation for Appointer will only indicate that the AIF file is valid for
processing and does not indicate that the AIF file has been processed for value.
Hash File
A HASH file should be created with the hash value (in HEX) of the “AIF XML File”. HASH file to have
same name pattern as XML file:
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AIF_Date_{AppointerMnemonic}_{StateCapital}_{SeqNo}_{FileIndicator}.HASH
HASH Algorithm: SHA-512
ZIP File
The AIF XML File & HASH file must be bundled together in a ZIP file. ZIP file to have same name
pattern as XML file:
AIF_Date_{AppointerMnemonic}_{StateCapital}_{SeqNo}_{FileIndicator}.ZIP
13.15 Appointer Image File (AIF) Report Descriptions
Full Processing Report
Lists all items that ANZ received in the AIF file and processed on a given processing date.
File Naming Convention:
AIF_YYMMDD_XXX_Y.fpr
Where XXX = Appointor mnemonic
And Y = State Number (2=NSW, 3=VIC)
The report includes the following fields:
• TTrace – ANZ trace number of the transaction (banked items only)
• PTrace – ANZ sequential (proof) trace of the item (banked items only)
• ExAux – Extra Aux Dom field from the codeline of the credit item
• AuxDom – Auxiliary Domestic (Aux Dom) field from the codeline of the cheque or credit item
• BSB – BSB field from the codeline of the cheque or credit item
• Account – Account number field from the codeline of the cheque or credit item
• TC – Transaction Code field from the codeline of the cheque or credit item
• Amount – Amount of the cheque or credit item
• DOC – Document Type, will be either CRT for a credit item or DBT for a cheque or debit item
Summary Report
Lists a summary of value and volume all cheques processed for a given processing day.
File Naming Convention:
AIF_YYMMDD_XXX_Y.sum
Where XXX = Appointor mnemonic
And Y = State Number (2=NSW, 3=VIC)
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The report includes the following fields:
• DOC – Document Type, will be either CRT for a credit item or DBT for a cheque or debit item
• Count – Volume count
• Debit Amt – Debit value
• Credit Amt – Credit value
Page 208 of 321
14 BPAY+ (AUSTRALIA ONLY)
14.1 Introduction
BPAY is a national bill payment service, jointly developed by Australia’s leading financial institutions.
BPAY enables client’s customers and those of many other organisations to pay their bills with just one
contact with their own participating bank, credit union or building society. Consumers make payments
via their bank’s phone, PC or internet banking service.
BPAY+ is an extension to the service designed to meet the needs of higher volume and special
requirement Billers through a number of enhanced features. These include electronic delivery of
remittance details, streamlined reporting and daily bulked credits. Both BPAY and BPAY+ allow
billers to receive payments from credit cards providing they have a merchant agreement.
14.2 Standard File Naming Convention
Each file name will identify the data, Biller Code and Julian day number.
The following table outlines the file naming conventions for BPAY+ files:
Character Number
Description
1 C = BPAY (CSL) Interchange File Format
S = Summary Report
T = Monthly Tax Invoice
2–4
3 digit filler
5–11
7-digit Biller Code: If less than 7 digits, its zero-filled
12–14
The Julian day number on which the information was processed
The following table outlines some sample filenames for BPAY+ files:
Filename
Description
C0000012345278
CSL Interchange format for Biller Code 0012345 processed on Julian day 278
S0000012345278
Summary Report for Biller code 0012345 processed on Julian day 278
T0000012345278
Monthly Tax Invoice for Biller Code 0012345 processed on Julian day 278
All file names can be changed via request.
14.3 File Layout
The file consists of a Header, followed by a number of Payment Instructions, Error Corrections,
or Reversals, followed by a Trailer.
A file with no Payment Instructions (i.e. just a header and a trailer with zero counts and
amounts) is valid.
In the record descriptions below, the format column codes represent:
Alpha – includes any letter, number or symbol; left-justified, space-filled
Numeric – includes only numbers (0 to 9); right-justified, zero-filled
Alphanumeric – includes numbers (0 to 9), spaces, ‘-’, ‘.’, and ‘+’; left-justified, space-filled.
Page 209 of 321
14.4 File Format - Standard Output File
Header Record
The following table outlines the format of the Header Record:
Field Name Description Alpha /
Numeric
Mandatory /
Optional
Size Position
Record Type
Value 00
Numeric
Mandatory
2
1–2
File Format
Version
A numeric identifier for the format of the file
to aid change control.
Initial value is 01.
Numeric Mandatory 2 3–4
Sender Code The institution code of the Payer Institution
that sent the file. Whenever this field is used
within the Biller Details File the field will
always be set to CSL, which is BPAY Pty Ltd.
Please Note: If the file does not contain any
transactions, this field will be 0 filled.
Alpha Mandatory 3 5–7
Receiver Code The Institution Code that is to receive the
file.
Please Note: If the file does not contain any
transactions, this field will be 0 filled.
Alpha Mandatory 3 8–10
File Creation
Date
The local date of file creation.
Format YYYYMMDD
Numeric Mandatory 8 11–18
File Creation
Time
The local time of file creation.
Format HHMMSS
Numeric Mandatory 6 19–24
File Number The file number for the file creation date.
First file each day is 001, the second file
each day is 002 etc.
Numeric Mandatory 3 25–27
Biller Code The Biller number assigned by BPAY Pty Ltd,
denoting the Biller.
Provided in the EOD file only
Numeric Mandatory 10 28–37
Settlement
Account
Number
This is the customer account number
including the BSB.
Provided in the EOD file only
Numeric Mandatory 20 38–57
Unused
(Blank-filled)
Alpha
Mandatory
235
58–292
Detail Record
The following table outlines the format of the Detail Record:
Field Name Description Alpha /
Numeric
Mandatory /
Optional
Size Position
Record Type
Value 50
Numeric
Mandatory
2
1–2
Payment
Instruction Type
A code indicating the type of instruction:
05 = Payment
15 = Refund
25 = Reversal
Numeric Mandatory 2 3–4
BPAY
Transaction Type
0 = original submission
1 = re-submission (after being rejected)
Numeric Mandatory 1 5–5
Payer Institution
Code
The Payer Institution Code Alpha Mandatory 3 6–8
Payment
Account Detail
Not used—will be spaces
The relevant account number of the payer
(a credit card or BSB account number).
Left-justified, space-filled.
Alpha/
Numeric
Mandatory 20 9–28
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Field Name Description Alpha /
Numeric
Mandatory /
Optional
Size Position
Country of
Payment
The ISO alphabetic country code in which
the Payer’s Account resides. For the first
phase implementation this is to be
defaulted to the code for Australia.
Alpha Mandatory 3 29–31
State of
Payment
The alphabetic State in which the Payer’s
Account resides, if the country has State
codes.
This may be spaces for Phase 1.
Alpha Mandatory 3 32–34
Currency Code
of Payment
The ISO code denoting the currency of
Payment. (In the first phase
implementation this is to be defaulted to
code for Australian dollars).
Alpha Mandatory 3 35–37
Biller Code The number assigned by the Central
Interchange Processor (CIP - BPAY Pty Ltd)
denoting the Biller, 9 digits followed by a
Luhn modulus 10-check digit (calculated on
the preceding 9 digits).
Numeric Mandatory 10 38–47
Service Code This will be zero for Phase 1.
This number assigned by the CIP (BPAY Pty
Ltd) denoting the service being provided to
a Biller, 6 digits followed by a Luhn modulus
10-check digit (calculated on the preceding
6 digits).
Numeric Mandatory 7 48–54
Customer
Reference
Number
The number by which the Biller identifies
the account that is being paid.
The last digit is assumed to be a check
digit.
Left-justified, space-filled.
The leading non-space part must be all
numeric.
Alpha/Num
eric
Mandatory 20 55–74
Payment
Number
A code indicating the method of Payment:
001 = Debit Account
101 = Visa
201 = MasterCard
301 = Other Card
Numeric Mandatory 3 75–77
Entry Method A code indicating how the details were
captured:
Spaces or 000 = undefined
001 = key entry by operator
002 = touch tone entry by customer (IVR)
003 = ATM/Kiosk
004 = Internet/On-line Banking
005 = Electronic billing & BPAY payment
006 = Batch
This may be spaces for Phase 1.
Alpha Mandatory 3 78–80
Amount The amount of the Payment/Error
Correction.
2 decimal places assured.
Numeric Mandatory 12 81–92
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Field Name Description Alpha /
Numeric
Mandatory /
Optional
Size Position
Transaction
Reference
Number
A unique reference number generated by
the Payer Institution. It is structured so
that:
the first three characters are the Payer
Institution Code
the next eight are YYYYMMDD (the date the
payment was made)
the next set of characters are the
acknowledgment number provided to the
Payer on completion of a payment
The use of any remaining space in the field
is at the discretion of the Payer Institution.
Alpha/
Numeric
Mandatory 21 93–113
Original
Reference
Number
The unique reference code generated by
the Payer Institution for the original
Payment instruction (e.g.: this field
indicates the unique Reference Number of a
Payment Instruction to be reversed out).
Where an error reference is relevant (i.e.:
Error Corrections, Reversals), this is a
mandatory field, but the CIP (BPAY Pty Ltd)
validation will not attempt to match this
reference number with the original
transaction.
Alpha/
Numeric
Mandatory 21 114–134
BPAY Settlement
Date
The date on which the Payer Institution
expects the Payment to be entered into
BPAY Settlement, in YYYYMMDD format.
Numeric Mandatory 8 135–142
Date of Payment The AEST date that the Payment or Error
Correction was accepted by the Payer
Institution, in YYYYMMDD format.
Numeric Mandatory 8 143–150
Time of Payment The AEST time that the Payer Institution in
HHMMSS format accepted the Payment or
Error Correction.
Numeric Mandatory 6 151–156
Payer Name Not used—will be spaces for Phase 1.
The name of the Payer as extracted by the
Payer Institution from the Payer
Institution’s account details.
Alpha Mandatory 40 157–196
Additional
Reference Code
This field is not a mandatory field, but may
be present on any instruction and if
present, it must be passed on without
validation.
Extra information mandatory by the Biller to
identify the account being paid.
The last digit may be used as a check digit.
Left-justified, space-filled.
Alpha Mandatory 20 197–216
Error Correction
Reason
For Error Correction Transactions, a code
indicating the reason for generating the
Error Correction. Zero if not a refund.
A code indicating error correction reason:
001 = Payer paid twice (or more)
002 = Payer paid wrong account
003 = Payer paid wrong biller
004 = Payer paid wrong amount
005 = Payer did not authorise payment
006 = Partial Refund.
Numeric Mandatory 3 217–219
Discount Method Not used—will be spaces for Phase 1.
A code indicating the reason for any
discount applied to the Payment.
Code values to be advised.
Space indicates no discount applied.
Alpha Mandatory 3 220–222
Page 212 of 321
Field Name Description Alpha /
Numeric
Mandatory /
Optional
Size Position
Discount
Reference
Not used—will be spaces for Phase 1.
A reference code supporting the application
of any discount.
Left-justified and filled with trailing spaces.
Alpha Mandatory 20 223–242
Discretionary
Data
Further information mandatory by Biller. Alpha Mandatory 50 243–292
Trailer Record
The following table outlines the format of the Trailer Record:
Field Name Description Alpha /
Numeric
Mandatory /
Optional
Size Position
Record Type
Value 99
Numeric
Mandatory
2
1–2
Sender Code
Same value as header record
Alpha
Mandatory
3
3–5
Receiver Code
Same value as header record
Alpha
Mandatory
3
6–8
File Creation Date
Same value as header record
Numeric
Mandatory
8
9–16
File Creation Time
Same value as header record
Numeric
Mandatory
6
17–22
File Number
Same value as header record
Numeric
Mandatory
3
23–25
Number of Payments The number of Payment
Instructions in the file
Numeric Mandatory 9 26–34
Amount of Payments The amount of Payment
Instructions in the file.
2 decimal places assumed.
Numeric Mandatory 15 35–49
Number of Error
Corrections
The number of Error Correction
Instructions in the file.
Numeric Mandatory 9 50–58
Amount of Error
Correction
The amount of Error Correction
Instructions in the file.
2 decimal places assumed.
Numeric Mandatory 15 59–73
Number of Reversals The number of Reversal
Instructions in the file.
Note: Field not used by ANZ for
Phase 1.
Numeric Mandatory 9 74–82
Amount of Reversals The amount of Reversals
instruction in the file.
Note: Field not used by ANZ for
Phase 1.
Numeric Mandatory 15 83–97
Settlement Amount Net amount of Payments—Error
Correction—Reversals.
2 decimal places assumed.
Numeric Mandatory 15 98–112
Unused
Alpha
Mandatory
180
113–292
Page 213 of 321
14.5 Summary Report and Tax Invoice
The Summary Report is issued daily for every business day, and the Tax Invoice Report is issued
monthly.
Sample Daily Summary Report
The following is an example of a sample Daily Summary Report:
Page 214 of 321
Sample Monthly Tax Invoice
The following is an example of a sample Monthly Tax Invoice:
Page 215 of 321
Detailed Transaction Report
The following is an example of the Detailed Transaction Report which can be supplied daily if required.
This report is optional
Page 216 of 321
15 POINT-OF-SALE (POS) (AUSTRALIA ONLY)
15.1 Introduction
The following section outlines the file format specifications for Point-of-Sale files.
POS data reports information relating to transactions processed through EFTPOS terminals.
15.2 Standard File Naming Convention
POS formatted files will be named as follows:
File Name: Pmmddnnn
Where: mmdd is date in Month and Day format
Nnn is a sequential number starting at 1 and increasing by 1 each time a new file is
created
All file names can be changed via request.
15.3 POS File Layout
The Point-of-Sale (POS) file only contains one type of record - the Transaction Record.
15.4 POS File Format
Transaction Record
The following table outlines the format of the Transaction Record
Field Description Content Size Postion Comments
POS
Terminal
ID
The ID of the terminal. Can be
used to report levels within
the company. E.g.:
0108 – company level
01083 – state level
010830236 – site level
01083023601 – terminal level
Alpha 16 1–16
Left Aligned
Unused characters to be space filled
Cardholder
Number
Truncated Debit or credit card
number. First 6-Last 3 Digits
provided
Alpha 19 17–35
Left Aligned
Contains a space between first 6
digits and the last 3 digits
Unused characters to be space filled
Transaction
Date
Format YYYYMMDD
Numeric 8 36–43
Transaction
Time
Format HHMMSS
Numeric 6 44–49
Post Date Format YYYYMMDD Numeric 8 50–57
Seq
Number
Transaction sequence number
Alpha 4 58–61
Left Aligned
Transaction
Type
Possible values are:
PURCHASE
PUR/CASH
REFUND
CASH-OUT
The 11th character will be R
to indicate a Reversal.
Alpha 11 62–72
Left Aligned
Unused characters to be space filled
Page 217 of 321
Field Description Content Size Postion Comments
Customer
Account
Type
CHQ – cheque account
SAV – savings account
CR – credit account
Alpha 3 73–75
Left Aligned
Unused characters to be space filled
Response
Code
The least significant 3 digits
(right-most digits).
Alpha 4 76–79
Left Aligned
Cash Out
Amount
2 decimal places assumed
Numeric 8 80–87
Left Aligned
Leading zeros
Amount in cents
Total
Amount
Numeric 8 88–95
Left Aligned
Leading zeros
Amount in cents
Retrieval
Reference
Number
Alpha 12 96-107
Optional filed. Request file format 2
to have this field included. Will also
be in included for file format 3
Sequence
Number
Numeric 6 108-113
Optional filed. Request file format 3
to have this field included
Card FI ID
Alpha 4 114-117
Optional filed. Request file format 3
to have this field included
Page 218 of 321
16 ANZ COMMERCIAL CARDS (VISA) (AUSTRALIA ONLY)
16.1 Overview
The ANZ Commercial Cards (Visa) file contains details of transactions processed through commercial
purchasing or business cards.
16.2 Standard File Naming Convention
Legend: Y=Yes N=No IA=If Applicable
This is a fixed length file received from TBS.
Log Record: This record provides the header and trailer information for all the tables below.
All file names can be changed via request.
16.3 File Layout
The ANZ Commercial Cards file layout consists of the following records;
File naming convention record
Account Balances record
Card Account record
Cardholder record
Company record
Hierarchy Level record
Hierarchy Tree record
Hierarchy record
Period record
Transaction record
16.4 File Format
File Naming Convention Record
The following table outlines the format of the File Naming Convention record:
Field Alpha/ Numeric Mandatory/
Optional
Size Postion
Transaction Code Alpha Mandatory 1 1
Company ID Numeric Mandatory 10 2 - 11
Posting_DT Numeric Mandatory 6 12–17
Table name Alpha Mandatory 18 18–35
Record count Numeric Mandatory 10 36–45
Total_bill_amount Numeric Mandatory 13 46–61
Transmit_DT Numeric Optional 6 62–67
Err_Record_count Numeric Optional 10 68–77
Account Balances Record
The following table outlines the format of the Account Balances record:
Field Description Alpha/
Numeric
Mandatory
/ Optional
Size Position
Transaction Code CPS – Value = A, D, C, R Alpha Mandatory 1 1
Page 219 of 321
Field Description Alpha/
Numeric
Mandatory
/ Optional
Size Position
Acct_Num CPS Alpha Mandatory 19 2 - 20
Closing_DT CPS (billing period) Alpha Mandatory 6 21–26
Period CPS (format to be decided) Numeric Mandatory 5 27–31
Prev_Balance CPS (Last months value) Numeric Mandatory 13 32–47
Cur_Balance CPS (Current months value) Numeric Mandatory 13 48–63
Credit_Limit CPS Numeric Mandatory 13 64–79
Cur_Due_AMT CPS Numeric Mandatory 13 80–95
Past_Due_CNT CPS to confirm Numeric Optional 5 96–100
Past_Due_AMT CPS to confirm Numeric Optional 13 101–116
Disputed_AMT BLANK Numeric Optional 13 117–132
Bill_Curr_CD Value= 36 Numeric Mandatory 5 133–137
Card Account Record
The following table outlines the format of the Card Account record:
Field Description Alpha/
Numeric
Mandatory
/ Optional
Size Position
Transaction Code CPS – Value = A, D, C, R Alpha Mandatory 1 1
Acct_Num CPS Alpha Mandatory 19 2 - 20
Cardholder_ID CPS (Account Number) Alpha Mandatory 20 21–40
Acct_Open_DT CPS Alpha Mandatory 6 41–46
Acct_Close_DT CPS Alpha Optional 6 47–52
Card_Expire_DT CPS Alpha Optional 6 53–58
Card_Type CPS – Value = P Alpha Mandatory 1 59
Credit_Line Blank Numeric Optional 13 60 - 72
Statement_Type CPS – Value = M Alpha Mandatory 1 73
Last_Rev_Dt Blank Alpha Optional 6 74 - 79
Trans_Dir_Limit CPS (Monthly Limit) Numeric Optional 13 80 - 92
Month_Dir_Limit CPS (Credit Limit) Numeric Optional 13 93 - 105
Company_ID CPS (Client Number) Numeric Mandatory 10 106 - 115
Hier_CD Value = CRP Alpha Mandatory 3 116 - 118
Page 220 of 321
Field Description Alpha/
Numeric
Mandatory
/ Optional
Size Position
Hier_Node Value = 0 or 1 Numeric Mandatory 10 119 - 128
Tax_Exempt_YN Blank - user supplied Alpha Optional 1 129
Cost_Ctr CPS (card holder level) Alpha Optional 25 130 - 154
Corp_Pay_YN CPS Value = Y Alpha Mandatory 1 155
Billing_Acct_NUM CPS Alpha Mandatory 19 156 - 173
GL_Sub_Acct Blank (can be user supplied) Alpha Optional 25 174 - 198
Cardholder Record
The following table outlines the format of the Cardholder record:
Field Description Alpha/
Numeric
Mandatory
/ Optional
Size Position
Transaction Code CPS – Value=A, D, C, R Alpha Mandatory 1 1
Cardholder_ID CPS (Account Number) Alpha Mandatory 20 2–21
Company_ID CPS (Client Number) Numeric Mandatory 20 22–31
First_NM CPS (can be user supplied) Alpha Mandatory 20 32–51
Last_NM CPS (can be user supplied) Alpha Mandatory 20 52–71
Address_1 CPS (can be user supplied) Alpha Optional 40 72–111
Address_2 CPS (can be user supplied) Alpha Optional 40 112–151
City CPS (can be user supplied) Alpha Optional 20 152–171
State_CD CPS (first 2 characters or spaces) Alpha Optional 2 172–173
ISO_CTRY_CD CPS Numeric Mandatory 5 174–178
Zipcode CPS (postcode & state) Alpha Optional 9 179–187
SSN_Other_ID Blank (can be user supplied) Alpha Optional 20 188–207
E_Mail_Addr Blank (user supplied) Alpha Optional 15 208–222
Mail_Stop Blank (can be user supplied) Alpha Optional 15 223–237
Hier_CD Value = CRP Alpha Mandatory 3 238–240
Hier_Node Value = 0 or 1 Numeric Mandatory 10 241–250
Training_DT Blank (user supplied) Alpha Optional 6 251–256
Phone_Num CPS (can be user supplied) Alpha Optional 13 257–269
Card_CNT CPS Value = 1 Numeric Optional 5 270–274
Page 221 of 321
Company Record
The following table outlines the format of the Company record:
Field Description Alpha/
Numeric
Mandatory
/ Optional
Size Position
Transaction Code CPS – Value= A, D, C, R Alpha Mandatory 1 1
Company_ID CPS (Client Number) Numeric Mandatory 10 2–11
Company_NM CPS Alpha Mandatory 40 12–51
Address_1 CPS (can be user supplied) Alpha Optional 40 52–91
Address_2 CPS (can be user supplied) Alpha Optional 40 92–131
City CPS (can be user supplied) Alpha Optional 20 132–151
State_CD CPS (first 2 characters or spaces) Alpha Optional 2 152–153
ISO_CTRY_CD CPS (can be user supplied) Numeric Mandatory 5 154–158
Zipcode CPS (postcode and statecode) Alpha Optional 9 159–167
Fiscal_Year_DT CPS Alpha Mandatory 6 168–173
Spending_Limit CPS Numeric Optional 13 174–189
Card_Type CPS – Value = P Alpha Mandatory 1 190
Issuer_NM CPS (ANZ) Alpha Mandatory 40 191
Hierarchy Level Record
The following table outlines the format of the Hierarchy Level record:
Field Description Alpha/
Numeric
Mandatory
/ Optional
Size Position
Transaction Code CPS – Value = A, D, C, R Alpha Mandatory 1 1
Company_ID CPS (Client Number) Numeric Mandatory 10 2–11
Hier_CD Value = CRP Alpha Mandatory 3 12–14
Hier_Level Value = 1 or 2 Alpha Mandatory 3 15–17
Description Value = “Existing” or “New” Alpha Mandatory 40 18
Hierarchy Tree Record
The following table outlines the format of the Hierarchy Tree record:
Field Description Alpha/
Numeric
Mandatory
/ Optional
Size Position
Transaction Code CPS – Value = A, D, C, R Alpha Mandatory 1 1
Page 222 of 321
Field Description Alpha/
Numeric
Mandatory
/ Optional
Size Position
Company_ID CPS (Company name/num) Numeric Mandatory 10 2–11
Hier_CD Value = CRP Alpha Mandatory 3 12–14
Hier_Node Value = 0 or 1 Numeric Mandatory 10 15–24
Parent_Hier_Node Value = -1 or 0 Numeric Mandatory 10 25–34
Hier_Level Value = 1 or 2 Alpha Mandatory 3 35–37
Description Value = Company Name Alpha Mandatory 40 38–77
Mgr_Last_NM Blank (user supplied) Alpha Optional 20 78–97
Mgr_First_NM Blank (user supplied) Alpha Optional 20 98–117
Mgr_Title Blank (user supplied) Alpha Optional 40 118–157
Mgr_Training_DT Blank (user supplied) Alpha Optional 6 158–163
Mgr_Phone_Num Blank (user supplied) Alpha Optional 13 164
Hierarchy Record
The following table outlines the format of the Hierarchy record:
Field Description Alpha/
Numeric
Mandatory
/ Optional
Size Position
Transaction Code CPS – Value = A, D, C, R Alpha Mandatory 1 1
Company ID CPS (Client Number) Numeric Mandatory 10 2–11
Hier_CD Value = CRP Alpha Mandatory 3 12–14
Description Value = Default Hierarchy Alpha Mandatory 40 15
Period Record
The following table outlines the format of the Period record:
Field Description Alpha/
Numeric
Mandatory
/ Optional
Size Position
Transaction Code CPS – Value = A, D, C, R Alpha Optional 1 1
Period CPS Numeric Mandatory 5 2–6
Company ID CPS (Client Number) Numeric Mandatory 10 7–16
Card_Type CPS Alpha Mandatory 1 17
Start_DT CPS Alpha Mandatory 6 18–23
End_DT CPS Alpha Mandatory 6 24–27
Page 223 of 321
Field Description Alpha/
Numeric
Mandatory
/ Optional
Size Position
Complete_YN Blank (system acquired) Alpha Optional 1 28
Page 224 of 321
Transaction Record
The following table outlines the format of the Transaction record:
Field Description Alpha/
Numeric
Mandatory
/ Optional
Size Position
Transaction Code CPS – Value = A, D, C, R Alpha Mandatory 1 1
Acct_NUM CAI Alpha Mandatory 19 2–20
Posting_DT CPS Alpha Mandatory 6 21–26
Trans_Ref_NUM CAI Alpha Mandatory 23 27–49
Seq_NUM CPS Numeric Mandatory 10 50–59
Period CPS Numeric Mandatory 5 60–64
Acqr_BIN CAI Alpha Mandatory 6 65–70
Card_Acceptor_ID Blank Alpha Mandatory 25 71–95
Merch_NM CPS Alpha Mandatory 25 96–120
Merch_City CPS Alpha Mandatory 13 121–133
Merch_State_Cd CPS Alpha Optional 2 134–135
Merch_Iso_Ctry_C
D
CPS Numeric Mandatory 5 136–140
Merch_Zipcode CPS Alpha Optional 9 141–149
Source_AMT Bill amount Numeric Mandatory 13 150–162
Bill_AMT CAI Numeric Mandatory 13 163 – 175
Purchase_ID Blank (if not available) Alpha Optional 25 176 – 200
Source_Curr_CD Value = Numeric code for AU Numeric Mandatory 5 201 – 205
Merch_Catg_Cd CAI Numeric Mandatory 5 206 – 210
Trans_CD CPS Alpha Mandatory 2 211 – 212
Trans_DT CPS Posting date Alpha Mandatory 6 213 – 218
Bill_Curr_CD Value =Numeric code for AU Numeric Mandatory 5 219 - 223
Tax_AMT Blank Numeric Optional 13 224 – 236
Dispute_AMT Blank Numeric Optional 13 237 – 249
Dispute_Rsn_CD Blank Alpha Optional 1 250
Dispute_DT Blank Alpha Optional 6 251 – 256
Commodity_Cd Blank – to be confirmed Alpha Optional 4 257 – 260
Merch_Vat_Num Blank Alpha Optional 15 261 – 275
Page 225 of 321
Field Description Alpha/
Numeric
Mandatory
/ Optional
Size Position
Customer_Vat_Nu
m
Blank Alpha Optional 13 276 – 288
Vat_Rate_CD Blank Alpha Optional 2 289 – 290
Vat_AMT Blank Numeric Optional 13 291 – 303
Tax2_AMT Blank Numeric Optional 13 304 – 316
Purch_ID_Format Blank Alpha Optional 1 317
Bill_Acct_Num CPS Alpha Mandatory 19 318 – 336
Tax_Zipcode Blank – system acquired Alpha Optional 9 337 – 345
Company_ID CPS (Company name/num) Numeric Mandatory 10 346 – 355
Hier_CD Blank (system acquired) Alpha Optional 3 356 – 358
Hier_Node Blank (system acquired) Numeric Optional 10 359 – 368
Page 226 of 321
17 ANZ LOCKBOX (AUSTRALIA ONLY)
17.1 Introduction
The following section outlines the file format specifications for ANZ Lockbox files in Australia.
ANZ Lockbox is a mail remittance collection facility where customers outsource to ANZ the processing
of mailed payments via cheque, money order or credit card. All payments made to the customer are
collected from the mail outlet, batched and processed by Australia and New Zealand Banking Group
Limited. The funds are then electronically transferred into the customers’ account on the same day.
17.2 Standard File Naming Convention
File name: (XX) (YYMMDD).ANZ
Where: (XX) = Biller ID reference
(YYMMDD) = Date
All file names can be changed via request.
17.3 File Layout
The file will consist of a sequence of:
1 Header Record
n Detail Records
1 Trailer Record
The following table outlines the transaction types for ANZ Lockbox formatted files:
Transaction Type Number Product
00 Cheques
01 Remittances
02 Credit Cards
Page 227 of 321
17.4 Detail Record Usage
The first section of the detail record is the same for all detail records. The detail record fields from
Record Type up to Trace Serial Number are present in each record. The Transaction Trace
Number is a number unique to each transaction as captured. What follows this section depends on
the Transaction Type.
Cheques: Transaction Type = 00
This represents the cheque debit which drew on the payer’s account.
These details are useful when the cheques are returned dishonoured. The Biller can use this
information to identify exactly which payment was dishonoured.
These records are preceded by the associated Remittance (Transaction Type = 01) records.
If Capture Mode is Cheque Only, then the associated remittance advice will be generated
electronically in the capture process.
Remittances: Transaction Type = 01
This represents a remittance advice - which is the credit to the billers account. It represents the
payment to the Biller.
The Biller Reference Number field carries all the reference details captured from the form.
This record will precede the associated cheque debits. The sequence of records is:
Transaction Type 01 <= The remittance
Transaction Type 00 <= The cheque record details.
Transaction Type 01 <= The next remittance
Transaction Type 00 <= The cheque details for the next remittance.
When Capture Mode is Multiples then there may be one or more remittances associated with one or
more cheques. The end of a sequence is indicated by either a change of transaction type or a change
in Batch number: i.e.. a sequence of Remittance Detail records are associated with the following
sequence of Cheque Detail records until the next Remittance Detail record or change of Batch
Number. The Transaction Trace Number also links all records associated in each transaction.
When Capture Mode is Document Only there is no cheque record.
Credit Cards: Transaction Type = 02
This record represents a Credit Card payment.
The Credit Card information is available for use in case of a dispute with the Payer.
The entire payment is represented in only one record with both remittance and Credit Card data.
Capture Modes
Cheque Only: Cheque Detail records without associated paper Remittance advices. Only used if the
Biller requires the Lockbox operation to process and bank all cheques.
Document Only: Remittance Advices without an associated cheque payment. Only used if mandatory
by the Biller. Credit cards are processed in this capture mode because the credit card details are
manually entered.
Matched Pairs: A sequence of one remittance/one cheque where amount fields on both documents
are matched visually. This is usually the most common.
Multiples: A sequence of one or more remittances followed by one or more cheques. This capture
mode is also used where there is manual process involved. Commonly the amount on the cheque does
not match the amount on the remittance advice.
Page 228 of 321
17.5 ANZ Lockbox File Format
Header Record
The following table outlines the format of the Header record:
Field Description Alpha/
Numeric
Mandatory
/ Optional
Size Position
Record Type Numeric Mandatory 1 1
Biller Code Numeric Mandatory 4 2 - 5
File Sequence Number Numeric Mandatory 4 6 - 9
Capture Date CCYYMMDD Numeric Mandatory 8 10 - 17
Detail Record
The following table outlines the format of the Detail record:
Field Description Alpha/
Numeric
Mandatory
/ Optional
Size Position
Record Type Numeric Mandatory 1 1
Transaction Type Numeric Mandatory 2 2 - 3
Batch Number Numeric Mandatory 8 4 - 11
Capture Mode Numeric Mandatory 2 12 - 13
Transaction Trace
Number
Numeric Mandatory 4 14 - 17
Trace Serial Number Numeric Mandatory 9 18 - 26
Transaction Details - Remittance Details Record
This record redefines Transaction Details - Type=01
The following table outlines the format of the Transaction Details - Remittance Details record:
Field Length Format
Biller Reference Number 26 Numeric
Transaction Credit Amount 10 Numeric
Actual Amount 10 Numeric
Transaction Details - Credit Card Details Record
The following table outlines the format of the Transaction Details - Credit Card Details record:
Field Length Format
Biller Reference Number 26 Numeric
Credit Card Rem. Advice Amount 10 Numeric
Page 229 of 321
Field Length Format
Credit Card DR Amount 10 Numeric
Credit Card Number 16 Numeric
Authorisation Number 8 Numeric
Transaction Details—Cheque Details Record
The following table outlines the format of the Transaction Details - Cheque Details record:
Field Length Format
Cheque DR Amount (in cents) 10 Numeric
Cheque Serial Number 9 Numeric
Cheque BSB Number 6 Numeric
Cheque Account Number 9 Numeric
Cheque Tran Code 3 Numeric
NB: Records are Variable length:
in MS-DOS/Windows add 2 bytes for the CRLF record terminator
Transaction Details—Trailer
The following table outlines the format of the Trailer record:
Field Description Alpha/
Numeric
Mandatory
/ Optional
Size Position
Record Type Numeric Mandatory 1 1
Number of Detail Records Numeric Mandatory 6 2 - 7
Sum of Cheque DR Amount Fields Numeric Mandatory 12 8 – 19
Sum of Credit Card DR Amount Fields Numeric Mandatory 12 20 – 31
Sum of Cheque & Credit Card DR Amount Fields Numeric Mandatory 12 32 – 43
Field Definitions
The following table outlines the field definitions for ANZ Lockbox
Field Length Format
Record Type Field to properly identify the proper processing for each record:
“0” for Header
“1” for Detail
“9” for Trailer
Alpha/numeri
c
Biller Code This is a code issued by ANZPS to uniquely identify each Lockbox
service.
Page 230 of 321
Field Length Format
File Sequence Number A number, increasing by 1 for each file transmitted to differentiate
between files.
Numeric
Right-justified
Zero-filled
Capture Date This is the date upon which ANZPS originally processed the remittances.
Transaction Type This is where we have mixed debits and credits.
00 – Cheque (Debit)
01 – Remittance Advice (Credit)
02 – Credit Card Transaction (Remittance Credit with Credit Card
Debit)
03–99 Reserved for future use.
Batch Number The Batch Number in which this detail line was processed. Numeric
Right-justified
Zero-filled
Capture Mode This is a method of capture used by the Lockbox system for the batch.
00 – Cheque Only
01 – Document Only
02 – Matched Pairs
03 – Multiples & Manual Capture
04 – 99 Reserved for future use
Transaction Trace
Number
This is a sequential number allocated to each transaction as captured
and differentiates between transactions in the file. The same transaction
number is reported for all records captured in the same transaction.
4 digits
Right-justified
Zero-filled
Transaction Serial
Number
This a number to support the tracing of transactions within the Lockbox
System. It is a sequential number produced by the Lockbox system. The
Trace Serial Number increments for each document captured. Each
remittance advice and associated cheque(s) will have separate Trace
Serial Numbers.
Numeric
Right-justified
Zero-filled
Biller Reference
Number
The number allocated by the Biller for each client and printed in the code
line of the remittance advice. There may actually be a number of
subfields within this field to represent a variety of fields that are
captured by the Lockbox system.
While it is normally a numeric field it can contain alphabetic characters
when the OCRB font is used for data capture. This requires special
arrangement with ANZ to ensure that the validations are properly set
up.
Alphanumeric
Right-justified
Zero-filled
Transaction Credit
Amount
The amount of the remittance advice. Numeric
Right-justified
Zero-filled
Actual Amount The amount which is used to balance the transaction by matching the
cheque value presented.
Numeric
Right-justified
Zero-filled
Credit Card Remittance
Advice Amount
The amount captured from the remittance advice. This is the amount
due, not necessarily the amount paid.
Numeric
Right-justified
Zero-filled
Credit Card DR Amount The amount debited to the client’s credit card and credited to the biller. Numeric
Right-justified
Zero-filled
Page 231 of 321
Field Length Format
Credit Card Number The 16 Digit credit card number provided by the client.
Authorisation Number The allocated authorisation number for approved credit card
transactions.
Numeric
Right-justified
Zero-filled
Cheque DR Amount This will contain the value of the cheque. The value is in cents. Numeric
Right-justified
Zero-filled
Cheque Serial Number Cheque Serial number from the cheque. Including the check digit if
present.
Numeric
Right-justified
Zero-filled
Cheque BSB Number BSB Number from the cheque. This identifies the bank and branch on
which the cheque was drawn.
Cheque Account
Number
Account Number from the cheque. This is the account on which the
cheque was drawn.
Numeric
Right-justified
Zero-filled
Cheque Tran Code The Tran Code from the cheque code line. This is usually “000” or “009”. Numeric
Right-justified
Zero-filled
Number of Detail
Records
Count of the number of Detail Records. It is the number of records of
Record Type 1.
Numeric
Right-justified
Zero-filled
Sum of Cheque DR
Amount Fields
Total of all Cheque DR Amount fields. This is the value of cheques
processed during the day.
Numeric
Right-justified
Zero-filled
Sum of Credit Card DR
Amount Fields
Total of Credit Card DR Amount fields. This is the value of Credit Card
transactions which have been lodged for processing.
Numeric
Right-justified
Zero-filled
Sum of Cheque &
Credit Card DR Amount
Fields
The sum of the 2 previous figures, i.e.: Cheque DR and Credit Card DR
Amount fields. It is the total value of the day’s processing.
Numeric
Right-justified
Zero-filled
Page 232 of 321
18 ANZ LOCKBOX (NEW ZEALAND ONLY)
18.1 Introduction
The following section outlines the file format specifications for ANZ Lockbox files in New Zealand.
ANZ Lockbox is a mail remittance collection facility where customers outsource to ANZ the
processing of mailed payments via cheque, money order or credit card. All payments made to
the customer are collected from the mail outlet, batched and processed by Australia and New
Zealand Banking Group Limited. The funds are then electronically transferred into the customers’
account on the same day.
Record File Format
TIRPC Titan Standard Remittance Processing MICR file
Length: 80 characters
Field Length Format
01 TIRP-RECORD
03 TIRP-STD-HEADER redef
TIRP-RECORD
05 TIRP-RECTYPE-H PIC x Header record value ‘H’
05 TIRP-DATE PIC 9(8) Date file created yyyymmdd
05 TIRP-TAPE PIC x(2) Value “TI”
05 FILLER PIC x(69)
03 TIRP-STD-DETAIL redef
TIRP-RECORD
05 TIRP-RECTYPE-D PIC x Value ‘D’ for detail
05 TIRP-PROC-DATE PIC 9(8) Date Remittance advice entered yyyymmdd
05 TIRP-RUN-NO PIC 9(2) Run number
05 TIRP-PROC-TIME PIC 9(6) Time Remittance advice entered
05 TIRP-ANAL-CODE PIC x(12) Analysis code
05 TIRP-SERIAL-NO PIC 9(12) Serial Number
05 TIRP-BANK-BRANCH PIC 9(6) The bank and Branch number
05 TIRP-ACCOUNT PIC x(10) The account number
05 TIRP-AMOUNT PIC S9(8)V99 The amount of the transaction
05 TIRP-DRN PIC X(12) Document Retrieval Number
05 TIRP-TRAN-TYPE PIC X(1)
C = cash,
R = remittance advice,
H = holdover
B = balancing credit
Page 233 of 321
Field Length Format
03 TIRP-TRAILER-RECORD redef
TIRP-RECORD
05 TIRP-RECTYPE-T PIC x Value ‘T’ for detail
05 TIRP-HASH-TOTAL PIC 9(14)V99
The total of debits and credits not worrying about the
sign
05 TIRP-TOTAL-ITEMS PIC 9(8) The total number of items
05 TIRP-DEBIT-TOTAL PIC 9(10)V99 The total debit amounts
05 TIRP-CREDIT-TOTAL PIC 9(10)V99 The total credit amounts
05 filler PIC x(31) Value spaces
Batch Summary Files Example
Subject: Remittance processing for xxxxxxxxxx
The following batches were processed at xx/xx/xxxx 12:00:00
Batch Num Num Credit Debit
Number Credits Debits Value Value
------- ------- ---------- ----------
7855 27 26 928066 928066
7864 1 1 149727 149727
7883 33 30 2608636 2608636
7887 18 18 1928352 1928352
------- ------- ---------- ----------
Sum 79 75 5614781 561478
Page 234 of 321
19 BANK@POST CUSTOMER TRANSACTION DATA FILE & CUSTOMER
TRANSACTION REPORT
19.1 Introduction
Transaction Data Files and Customer Transaction Reports will be produced on every business day
where transactions have occurred. File Naming Convention
Bank@Post Customer Transaction Data File
File Name: ddmmyyBPDT
Where:
dd = Day of the month mm = Month yy = Year BP = denotes Bank@Post
DT = denotes the Data File
Example filename: 170809BPDT
Bank@PostCustomer Transaction Report
File Name: ddmmyynnnnTN
Where:
dd = Day of the month mm = Month yy = Year nnnn = The POSTbillpay Biller ID
TN = denotes the Transaction Report
Example filename: 18080912345TN
All file names can be changed via request.
19.2 File Format
Bank@PostFile Header
Bank@Post Customer Transaction File Structure—File Header
# Field Description
Alpha/
Numeric
Size Position
1 Transaction File Record
Type
00 Numeric 2 01 – 02
2 Transaction File Identifier ANZ BankatPost Alpha/
Numeric
20 03 – 22
3 Transaction File Date Ddmmyyyy Numeric 8 23 - 30
4 Reference/Account Number ANZ BSB (6) & Account number (9) Numeric 15 31 – 45
5 Filler Spaces 85 46 - 130
6 CR/LF Alpha/Numeric 2 131-132
Bank@PostTransaction Record
Bank@Post Record File Structure—Details of Transaction
# Field Description
Alpha/
Numeric
Size Sort Position
1 Transaction File Record
Type
"05" Numeric 2 01-02
2 Reference/Account Number ANZ BSB (6) & Account number
(9)
Numeric 15 1 03-17
Page 235 of 321
# Field Description
Alpha/
Numeric
Size Sort Position
3 Transaction Date Ddmmyyyy Numeric 8 18 -25
4 Transaction Time HHMMSS Numeric 6 26- 31
5 Post Office Name Alpha/
Numeric
20 32-51
6 Transaction Type Number “01” or “02” Numeric 2 52-53
7 Transaction Type Name Either “Deposit Cash Cheques”,
“Deposit Cheques” or “Deposit
Cash”
Alpha/
Numeric
20 54-73
8 FI ID ANZ ID = 32 Alpha/
Numeric
2 74-75
9 Principal Number ANZ ID= 2967 Alpha/
Numeric
4 76-79
10 Agent Number nnnnnnn - padded with leading
zeros
Numeric 7 2 80-86
11 Deposit Number nnn - padded with leading
zeros
Numeric 3 87-89
12 Number of Cheques nnn - padded with leading
zeros
Numeric 3 90 -92
13 Cheque Amount Unsigned amount in cents Numeric 9 93 -101
14 Cash Amount Unsigned amount in cents Numeric 9 102-110
15 Total Amount of
Transaction
Unsigned amount in cents Numeric 9 3 111-119
16 Post Office (Work Centre) Processing Point for
Transaction
Alpha/
Numeric
6 120-125
17 Adjustment Reason Code Used to indicate negatives on
file - normally a space
Space = positive,
1 = Adjustment/Operator
Error,
2 = Dishonoured Cheque,
3 = Dishonour Cheque Fee
Alpha/
Numeric
1 126- 126
18 Filler Space 4 127-130
19 CR/LF 2 131- 132
Page 236 of 321
Bank@PostTrailer Details
Bank@Post—Trailer Details
# Field Description
Alpha/
Numeric
Size Position
1
Transaction File Record
Type “99” Numeric 2 01-02
2 Transaction File Identifier ANZ BankatPost Alpha 20 03-22
3 Transaction File Date ddmmyyyy Numeric 8 23-30
4 Principal Name “ANZ” Alpha 30 31-60
5 Transaction Count Number of transactions Numeric 8 61-68
6
Transaction File Total
Amount
Signed amount in cents (includes trailing
plus or minus sign) Numeric 12 69-80
7 Filler Spaces Alpha 50 81- 130
8 CR/LF Alpha 2 131-132
Page 237 of 321
19.3 Sample Bank@PostCustomer Transaction Report
Page 238 of 321
20 BPAY PIM/ AM
20.1 Introduction
The following section outlines the file format specifications utilised for BPAY Payer Institution Member
(PIM) and BPAY Associate Member (AM) sponsorship.
For sample BPAY reports please refer to your ANZ contact.
Payer / Biller Details File
Payer/Biller Details File – File Layout
The file consists of a Header, followed by a number of CIP Payment Instructions (Payment
Instructions, Error Corrections or Reversals), followed by a Trailer. A file with no CIP Payment
Instructions (ie. just a Header and a Trailer with zero counts and amounts) is valid.
Payer/Biller Details File – Header Record
Field Description
Alpha/
Numeric
Mandatory
/ Optional
Size Position
Record Type
A code ‘00’ indicating the Header record.
Numeric
Mandatory
2
1-2
File Format
Version
A numeric identifier for the format of the
file to aid change control. Initial value is
‘01’.
Numeric Mandatory 2 3-4
Sender Code
The Institution Code of the Payer
Institution that sent the file. Whenever this
field is used within a Biller Details File the
field will always be set to ‘CSL’.
Alphabetic Mandatory 3 5-7
Receiver Code
The Institution Code that is to receive the
file. When used in a Payer Details File this
must -always be set to ‘CSL’.
Alphabetic Mandatory 3 8-10
File Creation
Date
Format YYYYMMDD. The local date of file
creation.
Numeric Mandatory 8 11-18
File Creation
Time
Format HHMMSS. The local time of file
creation.
Numeric Mandatory 6 19-24
File Number
The unique file number for the file creation
date. The numbers 900 to 999 are
reserved for CIP use.
Note that File Numbers for rejected files
are not ‘remembered’ for the file number
check. Therefore,
the resubmission of a rejected file does not
require a new file number value.
Numeric Mandatory 3 25-27
Filler
Alphabetic
Mandatory
265
28-292
Payer/biller Details File – Payment Instruction Record
Field Description
Alpha/
Numeric
Mandatory
/ Optional
Size Position
Record Type
A code ‘50’ indicating a Payment
Instruction record.
Numeric Mandatory 2 1-2
Payment
Instruction
Type
A code indicating the type of instruction:
05 = Payment
15 = Error Correction
25 = Reversal
Numeric Mandatory 2 3-4
239
Public
Field Description
Alpha/
Numeric
Mandatory
/ Optional
Size Position
BPAY
Transaction
Type
0 = original submission
1 = re-submission (after being rejected).
Numeric Mandatory 1 5-5
Payer
Institution
Code
The Code representing the Payer
Institution.
Alphabetic Mandatory 3 6-8
Payment
Account
Detail
Field not used. This will be spaces.
The relevant account number of the payer
(a credit card or BSB account number),
left justified with trailing spaces.
Alphanumeric Mandatory 20 9-28
Country of
Payment
The ISO alphabetic country code in which
the Payer’s
Account resides. This will be the code for
Australia.
Alphabetic Mandatory 3 29-31
State of
Payment
The alphanumeric state in which the
Payer’s account resides, if the country has
state codes. This may be spaces.
Alphabetic Optional 3 32-34
Currency
Code of
Payment
The ISO alphabetic code denoting the
currency of payment. This must be the
code for Australian Dollars.
Alphabetic Mandatory 3 35-37
Biller Code
The CIP assigned number denoting the
service being provided by a Biller, 6 digits
followed by a Luhn modulus 10 check digit
(calculated on the preceding 6 digits).
Numeric Mandatory 10 38-47
Service
Code
This will be zero.
The CIP assigned number denoting the
Biller, 9 digits followed by a Luhn modulus
10 check digit (calculated on the preceding
9 digits).
Numeric Mandatory 7 48-54
Customer
Reference
Number
The number by which the Biller identifies
the account that is being paid. The last
digit (before the trailing spaces) is
assumed to be a check digit. Left Justified,
filled with trailing spaces. The leading non-
space part must be all numeric.
Alphanumeric Mandatory 20 55-74
Payment
Method
A code indicating the method of Payment:
001 = Debit Account
101 = Visa
201 = MasterCard
301 = Other Credit Cards.
Numeric Mandatory 3 75-77
Entry
Method
A code indicating how the details were
captured. As from 1 July 2000 this field
must contain valid values from the Entry
Method Table. Prior to July 2000 the field
is user-defined and optional.
Numeric Mandatory 3 78-80
Amount
The amount of the Payment, Reversal or
Error Correction, 2 digits of cents implied.
Numeric Mandatory 12 81-92
240
Public
Field Description
Alpha/
Numeric
Mandatory
/ Optional
Size Position
Transaction
Reference
Number
A unique reference number generated by
the Payer Institution. It is structured so
that the first three characters are the
alphabetic Payer Institution Code, the next
eight are YYYYMMDD (the date the
payment was made), and the next set of
characters are a numeric Payer Institution
defined Reference Number.
The use of any remaining space in the field
is at the discretion of the Payer Institution,
provided that only numeric digits are used
followed by trailing spaces to fill up the
field.
Alphanumeric Mandatory 21 93-113
Original
Reference
Number
The unique reference code generated by
the Payer Institution for the original
Payment Instruction (e.g. this
field indicates the unique Reference
Number of a Payment Instruction to be
reversed out). Where an error reference is
relevant (i.e. Error Corrections, Reversals)
this is a mandatory field, but the CIP
validation will not attempt to match this
reference number with the original
transaction. Must be space for the
Payment Instruction.
Alphanumeric Mandatory 21 114-134
BPAY
Settlement
Date
The date on which the Payer Institution
expects the Payment to be entered into
BPAY Settlement, in YYYYMMDD format.
Numeric Mandatory 8 135-142
Date
Payment
Accepted
The AEST date that the Payment or Error
Correction was processed by the Payer
Institution, in YYYYMMDD format. In the
case of future dated payments this is the
future date, not the date on which the
instruction is given by the Payer.
Numeric Mandatory 8 143-150
Time
Payment
Accepted
The AEST time that the Payment or Error
Correction was processed by the Payer
Institution, in HHMMSS format. In the
case of future dated payments this is the
future time, not the time at which the
instruction is given by the Payer.
Numeric Mandatory 6 151-156
Payer Name
Field not used. This will be spaces.
The name of the Payer as extracted by the
Payer Institution from the Payer
Institution’s account details.
Alphabetic Optional 40 157-196
Additional
Reference
Code
This is not a required field, but may be
present on any Instruction and if present,
it must be passed on without validation.
There is no requirement for any Payer
Institution to capture the Additional
Reference Number and a Biller Institution
need only pass on an Additional Reference
Number (to their Biller) if it has an
agreement to do so.
Alphabetic Optional 20 197-216
241
Public
Field Description
Alpha/
Numeric
Mandatory
/ Optional
Size Position
Error
Correction
Reason
For Error Correction Transactions, a code
indicating the reason for generating the
Error Correction as defined in the Business
Rules and Operational Procedures. Zero if
not an Error Correction.
Numeric Mandatory 3 217-219
Discount
Method
Field not used. This will be spaces.
A code indicating the reason for any
discount applied to the Payment. Code
values to be advised. Space indicates no
discount applied.
Alphabetic Mandatory 3 220-222
Discount
Reference
Field not used. This will be spaces.
A reference code supporting the
application of any discount. Left Justified
and filled with trailing spaces
Alphabetic Mandatory 20 223-242
Discretionar
y Data
Further information required by Biller.
For Error Correction transactions, a textual
reason may be inserted into the
Discretionary Data field.
Alphabetic Optional 50 243-292
Payer/biller Details File – Trailer Record
Field Description
Alpha/
Numeric
Mandatory/
Optional
Size Position
Record
Type
A code ‘99’ indicating the Trailer record. Numeric Mandatory 2 1-2
Sender
Code
Same value as Header record. Alphabetic Mandatory
3 3-5
Receiver
Code
Same value as Header record. Alphabetic Mandatory 3 6-8
File
Creation
Date
Same value as Header record. Numeric Mandatory 8 9-16
File
Creation
Time
Same value as Header record. Numeric Mandatory 6 17-22
File
Number
Same value as Header record. Numeric Mandatory 3 23-25
Number of
Payments
The number of Payment Instructions in the
file.
Numeric Mandatory 9 26-34
Amount of
Payments
The amount of Payment Instructions in the
file.
Numeric Mandatory 15 35-49
Number of
Error
Corrections
The number of Error Correction Instructions
in the file.
Numeric Mandatory 9 50-58
Amount of
Error
Corrections
The amount of Error Correction Instructions
in the file.
Numeric Mandatory 15 59-73
242
Public
Field Description
Alpha/
Numeric
Mandatory/
Optional
Size Position
Number of
Reversals
The number of Reversal Instructions in the
file.
Numeric Mandatory 9 74-82
Amount of
Reversals
The amount of Reversal Instructions in the
file.
Numeric Mandatory 15 83-97
Settlement
Amount
Net amount of Payments - Error
Corrections – Reversals. This field may be
signed, or unsigned using the Sign
Indicator to denote the sign.
Note – the Settlement Amount must be
formatted in one of these two ways –
1. The Amount must be a signed field,
using standard numeric overpunch of
the last digit, and the Settlement Sign
Indicator must then be space or ‘+’.
2. The Amount must be an unsigned field,
and the Settlement Sign Indicator
must be space or ‘+’ if the amount is
positive, or ‘-‘ if the amount is
negative.
If the file is to be transmitted to or from
the CIP in ASCII format (eg via PC
Networks, Internet or Bulletin Board
Systems), then the second option is
mandatory, because the numeric
overpunch sign values may not be
converted correctly from ASCII to EBCDIC
and vice versa.
Numeric Mandatory 15 98-112
Settlement
Sign
Indicator
Value space or ‘+’ if the Settlement Amount
above is positive or is already signed, value
‘-‘ if the Settlement Amount is unsigned
and negative.
Alphabetic Mandatory 1 113-113
Filler
Alphabetic
Mandatory
179
114-292
20.2 Payer Details Rejections File
Payer Details Rejections File – File Layout
Transaction rejects are effected by means of an electronic ‘Rejection File’ (Payer Details Rejections
File) sent back to the sender of the original file, together with a report listing all transactions rejected
(Payer Details Rejections Report). In addition, an empty file (containing only a Header and Trailer
record) will be sent whenever no errors have been found on a Payer Details File transmission.
Payer Details Rejections File – Header Record
Field Description
Alpha/
Numeric
Mandatory/
Optional
Size Position
Record
Type
A code ‘H’ indicating the Header record. Alphabetic Mandatory 1 1-1
File Format
Version
A numeric identifier for the format of the file
to aid change control, must be ‘01’.
Numeric Mandatory 2 2-3
File
Descriptor
The literal ‘REJECT FILE’. Alphabetic Mandatory 12 4-15
243
Public
Field Description
Alpha/
Numeric
Mandatory/
Optional
Size Position
Sender
Code
The Institution Code that created the reject
file.
Alphabetic Mandatory 3 16-18
Receiver
Code
The Institution Code that is to receive the
file.
Alphabetic Mandatory 3 19-21
File
Creation
Date
Format YYYYMMDD (local date). Numeric Mandatory 8 22-29
File
Creation
Time
Format HHMMSS (local time). Numeric Mandatory 6 30-35
File
Number
The file number for the file creation date.
Note that this file number will not
necessarily match the file number of the
original Payer Details File.
Numeric Mandatory 3 36-38
Original
File Header
A complete copy of the Header record from
the original file that contained the following
rejected transactions.
Alphanumeric Mandatory 27 39-65
Filler
Alphabetic
Mandatory
243
66-308
Payer Details Rejections File - Rejection Record
Field Description
Alpha/
Numeric
Mandatory/
Optional
Size Position
Record Type
A code ‘R’ indicating a rejected transaction
record.
Alphabetic Mandatory 1 1-1
Reject
Reason Code
5*3
The numeric code relating to the reason
that the transaction is being rejected. This
is an array of 5 reasons to allow for
multiple reject reasons.
Numeric Mandatory 15 2-16
Transaction
Record
A complete copy of the transaction being
rejected (see layout for the Payment
Instruction record for details).
Alphanumeric Mandatory 292 17-308
Payer Details Rejections File – Trailer Record
Field
Description
Alpha/
Numeric
Mandatory
/ Optional
Size
Position
Record Type
A code ‘T’ indicating the Trailer record.
Alphabetic
Mandatory
1
1-1
File
Descriptor
The literal ‘REJECT FILE ’.
Alphabetic
Mandatory
12
2-13
Sender Code
Same value as Header record.
Alphabetic
Mandatory
3
14-16
Receiver
Code
Same value as Header record.
Alphabetic
Mandatory
3
17-19
File Creation
Date
Same value as Header record.
Numeric
Mandatory
8
20-27
244
Public
Field
Description
Alpha/
Numeric
Mandatory
/ Optional
Size
Position
File Creation
Time
Same value as Header record.
Numeric
Mandatory
6
28-33
File Number
Same value as Header record.
Numeric
Mandatory
3
34-36
Number of
Rejected
Items
The number of Rejected Items in the file.
Numeric
Mandatory
9
37-45
Value of
Rejected
Items
The total net amount of rejected Payments
less Error Corrections less Reversals).
Numeric
Mandatory
15
46-60
Filler
Alphabetic
Mandatory
248
61-308
Payer Details Rejections File – File Rejection Reasons
CODE
REASON FOR REJECTION
001
First record on file is not a header record.
002
File Header record encountered after first record.
003
File Format Version incorrect.
004
File Header Sender Institution Code not valid.
005
File Header Receiver Institution Code not valid.
006
File Header Creation Date not valid.
007
File Header Creation Time not valid.
008
File Header Creation Date is in the future.
010
File Header Creation Date is more than 2 weeks ago.
011
File Header File Number not numeric or invalid range.
012
File Header File Number matches previous number for this file creation date.
013
File Header Sender Institution not operative.
051
File Trailer encountered in the middle of the file.
052
Last record on file is not the file trailer record.
053
File Trailer Sender Institution Code not same as header.
054
File Trailer Receiver Institution Code not same as header.
055
File Trailer Creation Date not same as header.
245
Public
CODE
REASON FOR REJECTION
056
File Trailer Creation Time not same as header.
057
File Trailer File Number not same as header.
058
File Trailer Number of Payments disagrees with total number of payments.
059
File Trailer Amount of Payments disagrees with total amount of payments.
060
File Trailer Number of Error Corrections disagrees with total number of Error Corrections.
061
File Trailer Amount of Error Corrections disagrees with total amount of Error Corrections.
062
File Trailer Number of Reversals disagrees with total number of reversals.
063
File Trailer Amount of Reversals disagrees with total amount of reversals.
064
File Trailer Settlement Amount disagrees with the total amount of the file.
065
Possible duplicate file - trailer counts/amounts match a previous file.
090
Possible Duplicate File - Header values match a previous file.
091
Number of Detail Rejections exceed the Tolerance level.
092
No Details accepted. File Rejected.
Payer Details Rejections File – Record Rejection Reasons
CODE
REASON FOR REJECTION
101
BPAY Instruction type not valid.
102
BPAY Transaction type not valid.
103
Payer Institution Code not valid.
104
Country of payment is invalid.
105
State of payment is invalid.
106
Currency Code of payment is invalid.
107
Biller Code is invalid.
108
Service Code is invalid.
109
Payment Method is invalid.
110
Biller/Service Code is not current on the Biller File.
246
Public
CODE
REASON FOR REJECTION
111
Payment Method not allowed for this Biller/Service Code.
112
Customer Reference Number not present.
113
Customer Reference Number is invalid.
114
Entry Method is invalid.
115
Amount is not numeric.
116
Amount less than minimum accepted by Biller.
117
Transaction Reference Number is not present.
118
Transaction Reference Number format incorrect.
119
Transaction Reference Number is not unique.
120
Original Reference Number is not present (Error Correction/reversal).
121
Original Reference Number format incorrect (Error Correction/reversal).
122
Date Payment Accepted is invalid.
123
Time Payment Accepted is invalid.
124
Additional Reference Number is required but is not present.
125
Additional Reference Number is invalid.
126
Discount Method is invalid.
127
Discount Reference is required but is not present.
128
Settlement Date is invalid.
129
Error Correction Reason must be present for an Error Correction.
130
Error Correction Reason must be zero if not an Error Correction.
131
Error Correction Reason is invalid.
132
Record Type is invalid.
133
Original Reference Number is not blank (Payment).
134
Additional Reference Number present, but should not be.
135
Discount Reference present, but should not be.
136
Error Correction not allowed for this Biller/Service Code.
247
Public
CODE
REASON FOR REJECTION
137
Account Number invalid for Payment Method.
138
Payer Institution not operative.
139
Biller Institution not operative.
140
Amount greater than maximum accepted by Biller (effective 1 July 2000)
248
Public
21 APPENDICES
21.1 Appendix A – Transaction Codes (Tandem)
The following tables describe the transaction identifying codes within CSV and SAP/Multi cash formats
for Australian Domestic Account Reporting.
Data Source: This section relates to transaction identifying codes where the data source is ANZ’s
Tandem system.
Transaction code descriptions - HFR Source.
The following table describes the Transaction Codes and descriptions for HFR Source accounts:
Transaction Code
AUX Dom
Ref
10 Char Narrative
Tran Type
Laser Statement
(40 Characters)
-2
0
MISC CR
-1
0
MISC DR
0
0
CHEQUE
8
0
PAYMENT
8
37
BANKCARD
BANKCARD
PAYMENT TO ANZ BANKCARD
8
38
VISA CARD
VISA CARD
PAYMENT TO ANZ VISA CARD
8
39
MASTERCARD
MASTERCARD
PAYMENT TO ANZ
8
40
GOLDCARD
GOLDCARD
PAYMENT TO ANZ GOLD CARD
8
41
DRAWDOWN
DRAWDWN DR
LOAN DRAWDOWN
8
42
ANZ TRUST
ANZ TRS DR
TRANSFER TO ANZ TRUSTEES
8
43
HARVEST
HARVEST DR
TRANSFER TO HARVEST
8
44
TRAN\SFER
TRANSFER
TRANSFER
8
45
WITHDRAWAL
WITHDRAW
WITHDRAWAL
8
46
CLO AC BAL
CLO AC BAL
CLOSING ACCOUNT BALANCE
8
47
SETTLEMENT
SETTLE DR
SETTLEMENT
8
48
CASH MGT
CASHMGT DR
TRANSFER TO CASH
8
59
MDC SETTLE
MDC SET DR
MDC MERCHANT SETTLEMENT
8
75
CARD DR
CARD ENTRY AT xxxxxx BRANCH
8
76
CARD REV
REVERSAL OF ENTRY AT xxxxxx
8
92
PP NON-
PP NON-FEE
PP NON-PAYMENT FEE
8
93
2
LEASE#
LEASE DUTY
LEASE # LEASE DUTY
8
94
2
LEASE #
LEASE
LEASE #
8
98
NIGHT SAFE
8
301
DRAWING OB
DRAWING OB
DRAWING OB
8
302
4
P PAYMENT
P PAYMENT
8
622
4
MER ADJ
MER ADJ
8
9047
INTERNET
8
9049
INTER BANK
8
9051
INTERNET
8
9052
INTERNET
8
9061
INTERNET
9
0
1
cheque no
CHEQUE
Cheque no
11
0
2
DEP ERROR
DEP ERR DR
ERROR IN DEPOSIT amount
22
0
4
AFT PRI DR
AUTOMATIC FUNDS TRANSFER
23
0
5
AFT DR
AUTOMATIC FUNDS TRANSFER
29
100
2
LC #
LC DR
DOCUMENTARY CREDIT #
29
200
2
A #
OS AGT DR
OS AGENT/BRANCH BILL FOR
29
300
2
XBC #
XBC DR
BILL COLLN TO OS
249
Public
Transaction Code
AUX Dom
Ref
10 Char Narrative
Tran Type
Laser Statement
(40 Characters)
29
500
2
OB #
OB DR
OVERSEAS BILL OB #
29
600
2
FBA #
FBA DR
FOREIGN BILL AGENT FBA #
29
700
2
C/B #
C/B DR
COMMERCIAL BILL #
29
800
2
CAB #
FCAB DR
FOREIGN CURRENCY ADVANCE
29
900
2
B/C #
B/C DR
LOCAL BILL FOR COLLECTION
29
1000
2
FEC #
FEC CHG
FORWARD EXCHANGE
29
1100
HEDGE CONT
HEDGE DR
SETTLEMENT OF HEDGE
29
1400
RICE BOARD
RICE DR
RICE BOARD PAYMENT
29
1500
ERROR
ERROR DR
ERROR IN DEPOSIT
29
1800
2
FT #
FT DR
FAST TRACK #
29
1900
N/A
REV INS DR
REVERSAL OF
29
1950
N/A
REFUND
REFUND OF LOAN
29
1960
N/A
PREPAY
LOAN PREPAYMENT
29
2000
BITS CHRGE
BITS CHRGE
BITS REMITTANCE CHARGE
29
2010
OS CHARGE
OS CHARGE
OVERSEAS REMITTANCE
29
2020
F/BILL INT
F/B INT DR
FOREIGN BILL INTEREST
29
2030
2
IC #
IC DR
IMPORT COLLECTION IC #
29
2040
2
ID #
ID DR
IMPORT COLLECTION ID #
29
2050
2
IX #
IX DR
IMPORT COLLECTION IX #
29
2060
2
ED #
ED DR
EXPORT COLLECTION ED #
29
2070
2
EC #
EC DR
EXPORT COLLECTION EC #
29
2080
2
E #
E DR
EXPORT CREDIT E #
29
2090
2
X #
X DR
EXPORT CREDIT X #
29
2200
CBILL ROLL
CB ROLL DR
NET SETTLEMENT – ROLLOVER
29
2300
CBILL DISC
CB DISC DR
PROCEEDS OF DISCOUNT OF
29
2400
C/BILL INV
CB INV DR
COMMERCIAL BILL INVESTMENT
29
2500
NET CB INV
NET CBI DR
NET SETTLEMENT – ROLLOVER
29
2600
MAT CB INV
MAT CBI DR
MATURITY OF COMMERCIAL
29
2700
MAT C/BILL
MAT CBL DR
MATURITY OF COMMERCIAL
29
3010
2
ADJ CUSDEP
ADJ CDP DR
ADJUSTMENT TO CUSTOMER
29
3020
2
ADJ REDTAX
ADJ TAX DR
ADJUSTMENT TO ETP TAX
29
3030
2
ADJ EMPDEP
ADJ EDP DR
ADJUSTMENT TO EMPLOYER
29
3050
2
ADJ TFR
ADJ TFR DR
ADJUSTMENT TO TRANSFER
29
3060
RED
RED
REDEMPTION
29
3070
ADJ RED
ADJ RED DR
REDEMPTION ADJUSTMENT
29
3080
PART RED
PART RED
PARTIAL REDEMPTION
29
3090
ADJ INT
ADJ INT DR
INTEREST ADJUSTMENT
29
3100
ADJ SUPTAX
ADJ STX DR
SUPERANNUATION TAX
29
3110
2
ADJ DUTY
ADJ DTY DR
ADJUSTMENT TO STATE DUTY
29
3120
INS PREM
INS PREM
INSURANCE PREMIUM
29
3130
ADJ PREM
ADJ PREM
ADJUSTMENT TO INSURANCE
29
3150
ADJ PROC
ADJ PRC DR
ADJUSTMENT TO INSURANCE
29
3160
2
ADJ TN FEE
ADJ TFE DR
ADJUSTMENT TO TRANSACTION
29
3170
2
ADJ AC SER
ADJ AC DR
ADJUSTMENT TO ACCOUNT
29
4100
OS REMIT
29
4110
RTGS PYT
29
4120
OS TT SENT
29
4130
RTGS SENT
250
Public
Transaction Code
AUX Dom
Ref
10 Char Narrative
Tran Type
Laser Statement
(40 Characters)
29
4140
PTY FEE
29
4150
OWN AC TFR
29
9000
2
PAYMENT
Xxxxxxxxxx
29
9010
2
PAYMENT
Xxxxxxxxxx
29
9020
2
PAYMENT
Aaaaaaaaaaaaaaaaaaaaa
29
9030
2
PAYMENT
Aaaaaaaaaaaaaaaaaaaaa
30
1
5
MISC FEE
MISC FEE
MISCELLANEOUS FEE
30
2
5
CA FEE
CA FEE
ACCOUNT KEEPING FEE
30
3
5
ADMIN CHG
ADMIN CHG
LOAN ADMINISTRATION FEE
30
4
5
L A FEE
L A FEE
LIMIT/LOAN APPROVAL FEE
30
6
5
DSR FEE
DSR FEE
DISHONOUR FEE
30
7
5
DEED BOX
DEED BOX
DEED BOX/PACKETS/SCRIP FEE
30
8
5
NIGHT SAFE
NIGHT SAFE
NIGHT SAFE FEE
30
9
5
CABLE CHG
CABLE CHG
CABLE FEE
30
10
5
T/O SEARCH
T/O SEARCH
TITLES OFFICE SEARCH FEE
30
11
5
REG FEE
REG FEE
REGISTRATION FEE
30
12
5
STAMP DUTY
STAMP DUTY
STAMP DUTY
30
13
5
GUARANTEE
GUARANTEE
GUARANTEE FEE
30
14
5
INSPECTION
INSPECTION
INSPECT DOCUMENTS FEE
30
15
5
STATMT FEE
STATMT FEE
DUPLICATE STATEMENT FEE
30
16
5
TELE TFR
TELE TFR
TELEGRAPHIC TRANSFER FEE
30
17
5
C/BILL FEE
C/BILL FEE
COMMERCIAL BILL FEE
30
18
5
STATE DUTY
CR DUTY
STATE GOVERNMENT CREDIT
30
19
5
STATE TAX
DEBITS TAX
STATE GOVERNMENT DEBITS
30
20
5
LIST FEE
LIST FEE
PAYMENT FROM LIST FEE
30
21
5
SPEC CLEAR
SPEC CLEAR
SPECIAL CLEARANCE FEE
30
22
5
TRAV CHQ
TRAV CHQ
TRAVELLERS' CHEQUES FEE
30
23
5
COMM FEE
COMM FEE
COMMITMENT FEE
30
24
5
ERROR
ERROR DR
ERROR IN DEPOSIT/S
30
25
5
BK CHQ FEE
BK CHQ FEE
BANK CHEQUE FEE
30
26
5
OPINION
OPINION
BANK OPINION FEE
30
27
5
SETTLE FEE
SETTLE FEE
SETTLEMENT FEE
30
28
5
T/O REG
T/O REG
TITLES OFFICE REGISTRATION
30
29
5
PLA FEE
PLA FEE
LOAN LATE REPAYMENT FEE
30
30
5
CLCR FEE
CLCR FEE
CHEQUE CASHING FACILITY
30
31
5
S/D SEC
S/D SEC
GOVERNMENT STAMP DUTY ON
30
32
5
S/D TRF
S/D TRF
GOVENRMENT STAMP DUTY
30
35
5
PRO/LOD
PRO/LOD
PRODUCTION/LODGEMENT FEE
30
36
5
LA FEE/OD
L/FEE O/D
OVERDRAFT LINE FEE
30
37
5
AC FEE C/B
AC FEE C/B
COMMERCIAL BILL
30
38
5
LE FEE C/B
LE FEE C/B
COMMERCIAL BILL LINE FEE
30
39
5
ANZCASH
ANZCASH
ANZCASH FEE
30
40
5
ANZ TRAVEL
ANZ TRAVEL
ANZ TRAVEL CHARGES
30
42
5
EXCESS FEE
EXCESS FEE
OVERDRAWN ACCOUNT FEE
30
43
5
AUDIT CERT
AUDIT CERT
AUDIT CERTIFICATE FEE
30
44
5
RECON FEE
RECON FEE
RECONCILIATION FEE
30
45
5
TRANS FEE
TRANS FEE
EXCESS TRANSACTION FEE
30
46
5
ATM FEE
ATM FEE
NON ANZ ATM FEE
251
Public
Transaction Code
AUX Dom
Ref
10 Char Narrative
Tran Type
Laser Statement
(40 Characters)
30
47
5
MAINT FEE
MAINT FEE
ACCOUNT MAINTENANCE FEE
30
48
5
DEBIT FEE
DEBIT FEE
EXCESS DEBIT TRANSACTION
30
49
5
CR LINE
CREDIT FACILITY LINE
30
50
5
FIDD
DEBIT DUTY
STATE GOVERNMENT DEBIT
30
51
5
EFTDD
EFTDD
EFT DEBIT DUTY
30
52
5
SEARCH FEE
SEARCH FEE
SEARCH FEE
30
53
5
RES W/TAX
RES W/TAX
RESIDENT WITHOLDING TAX
30
54
5
SLCTR FEE
SLCTR FEE
SOLICITOR'S FEE
30
55
5
COLLN FEE
COLLN FEE
COLLECTION FEE
30
56
5
ETP TAX
ETP TAX
ETP TAX
30
57
5
SUPER TAXES
SUPER TAX
SUPERANNUATION TAXES
30
58
5
AC SER FEE
AC SER FEE
ACCOUNT SERVICING FEE FOR
30
59
5
W/DRWL FEE
W/DRWL FEE
WITHDRAWAL FEE mmm yy-xxx
30
60
5
BPAY FEES
BPAY FEES
BILLPAY FEES
30
61
5
AC SER FEE
AC SER FEE
ACCOUNT SERVICING FEE FOR
30
70
2
TAPE FEE
30
71
2
DISK FEE
30
72
2
DIALUP FEE
30
73
2
ACCPAY FEE
30
74
2
ANZ FEE
30
75
2
ONLINE FEE
30
76
2
HOST FEE
30
77
2
BUREAU FEE
30
78
2
GROUP FEE
30
79
2
DE ERR FEE
30
80
2
DE EX FEE
30
81
2
AC REC FEE
30
82
2
LIM EX FEE
34
0
5
REVERSAL
REVERSL DR
REVERSAL OF CREDIT ENTRY
34
4100
REV OS CR
34
4110
REV RTGS
34
4120
REV OS CR
34
4130
REV RTGS
34
4140
REV PTYFEE
34
4150
REV OWNTFR
34
9990
2
POS
POS DR
37
0
2
DEBIT
Can be any debit often used by the
37
70
2
TAPE DR
37
71
2
DISK DR
37
72
2
DIALUP DR
37
73
2
ACCPAY DR
37
74
2
ANZ DR
37
75
2
ONLINE DR
37
76
2
HOST DR
37
77
2
BUREAU DR
37
78
2
GROUP DR
41
0
CLEARING
GL – Entries Suspense clearing
42
0
CHQ BOOK
CHQ BOOK
STAMP DUTY ON CHEQUE BOOK
252
Public
Transaction Code
AUX Dom
Ref
10 Char Narrative
Tran Type
Laser Statement
(40 Characters)
43
0
DISHONOUR
DISHONOUR
DISHONOUR OF CHEQUE
45
0
NR W/TAX
NR W/TAX
NON-RESIDENT WITHHOLDING
46
0
5
INTEREST
INT DR
INTEREST
47
0
PROM NOTE
PROM NOTE
PROMISSORY NOTE
49
0
ADVICE
ADVISED DR
DETAILS ADVISED SEPARATELY
50
0
TRANSFER
50
41
DRAWDOWN
DRAWDWN CR
PROCEEDS OF LOAN
50
42
ANZ TRUST
ANZ TRS CR
TRANSFER FROM ANZ
50
43
HARVEST
HARVEST CR
TRANSFER FROM HARVEST
50
44
BAL TFR
BAL TFR
BALANCE TRANSFERRED
50
46
CLO AC BAL
CLO AC CR
CLOSING ACCOUNT BALANCE
50
47
SETTLEMENT
SETTLE CR
SETTLEMENT
50
48
CASH MGT
CASHMGT CR
TRANSFER TO CASH
50
59
MDC SETTLE
MDC SET CR
MDC MERCHANT SETTLEMENT
51
0
CWTH L INT
52
0
FAM ALLOW
53
0
PAY/SALARY
53
75
CRD - 9999
CARD ENTRY
CARD ENTRY AT xxxx BRANCH
53
76
REV - 9999
REV ENRTY
REVERSAL OF ENTRY AT xxxx
53
9000
2
TRANSFER
xxxxxxxxxx
53
9010
2
TRANSFER
xxxxxxxxxx
53
9020
2
TRANSFER
aaaaaaaaaaaaaaaaaaaaa
53
9030
2
TRANSFER
aaaaaaaaaaaaaaaaaaaaa
53
9040
TRANSFER
53
9046
2
PHONE BANK
aaaaaaaaaaaaaaaaaaaaa
53
9047
INTERNET
54
0
PENSION
PENSION
PENSION/SUPERANNUATION
55
0
ALLOTMENT
ALLOTMENT
SERVICE ALLOTMENT
56
0
DIVIDEND
DIVIDEND
DIVIDEND
57
0
DEB INT
DEB INT
DEBENTURE/NOTE INTEREST
60
0
2
AGT* If the
AGT
AGENT*
60
1
TD nnnnnn
TD
TD nnnnnn
60
2
2
TD Innnnnn
TD INT
TERM DEPOSIT INTEREST
62
0
4
A F T
AFT PRI CR
AUTOMATIC FUNDS TRANSFER
63
0
5
A F T
AFT CR
AUTOMATIC FUNDS TRANSFER
64
0
2
DEP ERROR
DEP ERR CR
ERROR IN DEPOSIT amount
65
0
AGT
70
0
2
CASH/CHQS
DEPOSIT
DEPOSIT
70
9990
2
POS
POS CR
88
0
TELE TFR
TELE TFR
PROCEEDS OF TELEGRAPHIC
89
100
2
OB #
OB CR
OVERSEAS BILL OB #
89
200
2
FBA #
FBA CR
FOREIGN BILL AGENT FBA #
89
300
2
XBC #
XBC CR
BILL COLLN TO OS
89
400
2
BB #
BB CR
BRITISH BILL IB#
89
500
2
DXC #
DEXC CR
DIRECT EXPORT COLLECTION
89
700
2
IB #
IB CR
INLAND BILL IB #
89
800
2
FBL #
FBL CR
FOREIGN BILL (LONDON) FBL #
89
900
2
B/C #
B/C CR
LOCAL BILL FOR COLLECTION
253
Public
Transaction Code
AUX Dom
Ref
10 Char Narrative
Tran Type
Laser Statement
(40 Characters)
89
1100
2
HEDGE CONT
HEDGE CR
SETTLEMENT OF HEDGE
89
1200
2
AWB #
AWB
AUSTRALIAN WHEAT BOARD
89
1300
2
FP #
FP
FRUIT PAYMENT #
89
1400
RICE BOARD
RICE CR
RICE BOARD PAYMENT
89
1500
ERROR
ERROR CR
ERROR IN DEPOSIT/S
89
1600
2
BBP #
BBP
BARLEY BOARD PAYMENT #
89
1700
CANE PAY
CANE PAY
SUGAR CANE PAYMENT
89
1800
2
FT #
FT CR
FAST TRACK #
89
1900
N/A
INS PAY
TRANSFER OF
89
1950
N/A
LOAN OVPAY
LOAN OVERPAYMENT
89
1960
N/A
OVPAY REV
REVERSAL OF LOAN
89
2000
BITS REMIT
BITS REMIT
BITS REMITTANCE
89
2010
OS REMIT
OS REMIT
OVERSEAS REMITTANCE
89
2020
F/BILL INT
F/BILL INT
FOREIGN BILL INTEREST
89
2060
2
ED #
ED CR
EXPORT COLLECTION ED #
89
2070
2
EC #
EC CR
EXPORT COLLECTION EC #
89
2080
2
E #
E CR
EXPORT CREDIT E #
89
2090
2
X #
X CR
EXPORT CREDIT X #
89
2200
CBILL ROLL
CB ROLL CR
NET SETTLEMENT - ROLLOVER
89
2300
CBILL DISC
CB DISC CR
PROCEEDS OF DISCOUNT OF
89
2400
C/BILL INV
CB INV CR
COMMERCIAL BILL INVESTMENT
89
2500
NET C/B INV
NET CBI CR
NET SETTLEMENT - ROLLOVER
89
2600
MAT CB INV
MAT CBI CR
MATURITY OF COMMERCIAL
89
2700
MAT C/BILL
MAT CBL CR
MATURITY OF COMMERCIAL
89
3010
2
ADJ CUSDEP
ADJ CDP CR
ADJUSTMENT TO CUSTOMER
89
3020
2
ADJ REDTAX
ADJ TAX CR
ADJUSTMENT TO ETP TAX #
89
3030
2
ADJ EMPDEP
ADJ EDP CR
ADJUSTMENT TO EMPLOYER
89
3040
2
DEP TFR
DEP TFR
DEPOSIT OF TRANSFERRED
89
3050
2
ADJ TFR
ADJ TFR CR
ADJUSTMENT TO TRANSFER
89
3070
ADJ RED
ADJ RED CR
REDEMPTION ADJUSTMENT
89
3090
ADJ INT
ADJ INT CR
INTEREST ADJUSTMENT
89
3100
ADJ SUPTAX
ADJ STX CR
SUPERANNUATION TAX
89
3110
2
ADJ DUTY
ADJ DTY CR
ADJUSTMENT TO STATE DUTY
89
3130
ADJ PREM
ADJ PRM CR
ADJUSTMENT TO INSURANCE
89
3140
INS PROC
INS PROC
INSURANCE PROCEEDS
89
3150
ADJ PROC
ADJ PRC CR
ADJUSTMENT TO INSURANCE
89
3160
ADJ TN FEE
ADJ TFE CR
ADJUSTMENT TO EXCESS
89
3170
ADJ AC SER
ADJ AC CR
ADJUSTMENT TO ACCOUNT
89
3180
2
ST INS PRC
ST INS PRC
STANDARD INSURANCE
89
4000
BPAY COMM
BPAY COMM
BILLPAY COMMISSION
89
4010
BPAY CASH
BPAY CASH
BILLPAY CASH PAYMENTS
89
4020
BPAY CARD
BPAY CARD
BILLPAY CARD PAYMENTS
89
4030
2
AGT # or # (if
BP AGT
BILLPAY CASH/CHEQUES
89
4040
BPAY FBACK
BPAY FBACK
BILLPAY FALLBACK
89
4060
RTGS PAYT
RTGS PAYT
RTGS PAYT
89
4100
OS REMIT
89
4110
RTGS PYT
89
4120
OS TT SENT
254
Public
Transaction Code
AUX Dom
Ref
10 Char Narrative
Tran Type
Laser Statement
(40 Characters)
89
4130
RTGS SENT
89
4140
PTY FEE
89
4150
OWN AC TFR
89
9000
2
xxxxxxxxxx
TRANSFER
xxxxxxxxxx
89
9010
2
xxxxxxxxxx
TRANSFER
xxxxxxxxxx
89
9020
2
aaaaaaaaaaaa
TRANSFER
aaaaaaaaaaaaaaaaaaaaa
89
9030
2
aaaaaaaaaaaa
TRANSFER
aaaaaaaaaaaaaaaaaaaaa
93
0
5
REVERSAL
REVERSL CR
REVERSAL OF DEBIT ENTRY or
93
1
S/D REFUND
93
2
FID REFUND
93
3
DR TAX REF
93
4
FIDD REF
93
5
EFTDD REF
93
9
REV WH TAX
93
36
LE FEE REV
93
4100
REV OS DR
93
4110
REV RTGS
93
4120
REV OS DR
93
4130
REV RTGS
93
4140
REV PTYFEE
93
4150
REV OWNTFR
96
0
ADVICE
ADVISED CR
DETAILS ADVISED SEPARATELY
97
0
5
INTEREST
INT EARNED
INTEREST EARNED
97
99
2
TD INT
TD INT
TERM DEPOSIT INTEREST
98
0
TRANSFER
P TRANSFER
PERIODIC TRANSFER
99
0
2
CASH/CHQS
CREDIT
DEPOSIT
99
70
2
TAPE CR
99
71
2
DISK CR
99
72
2
DIALUP CR
99
73
2
ACCPAY CR
99
74
2
ANZ CR
99
75
2
ONLINE CR
99
76
2
HOST CR
99
77
2
BUREAU CR
99
78
2
GROUP CR
The codes in the Ref column (above) indicate what information is placed into the:
• “Reference” field in the CSV format
• “Note to Payee 1” field in Multicash SAPAll Format
• “Note to Payee 2” field in the Multicash SAPGEN format
0: spaces placed in the Reference field
1: Auxdom placed in the Reference field
2: ExAuxDom placed in the Reference field
3: Lodgement reference placed in the Reference field
4: Short description placed in the Reference field
5: From account number placed in the Reference field
255
Public
Transaction code descriptions - CMM Source
The following table describes the Transaction Codes and descriptions for CMM Source accounts:
TRANSACTION
CODE
AUX
DOM
REF
10 CHAR
NARRATIVE
TRAN TYPE
LASER STATEMENT
(40 CHARACTERS)
-2
0
MISC CR
-1
0
MISC DR
0
0
CHEQUE
8
0
PAYMENT
8
36
BUS CARD
8
37
BANKCARD
BANKCARD
PAYMENT TO ANZ BANKCARD
8
38
VISA CARD
VISA CARD
PAYMENT TO ANZ VISA CARD
8
39
MASTERCARD
MASTERCARD
PAYMENT TO ANZ
8
40
GOLDCARD
GOLDCARD
PAYMENT TO ANZ GOLD CARD
8
41
DRAWDOWN
DRAWDWN
DR
LOAN DRAWDOWN
8
42
ANZ TRUST
ANZ TRS DR
TRANSFER TO ANZ TRUSTEES
8
43
HARVEST
HARVEST DR
TRANSFER TO HARVEST
8
44
TRAN\SFER
TRANSFER
TRANSFER
8
45
WITHDRAWAL
WITHDRAW
WITHDRAWAL
8
46
CLO AC BAL
CLO AC BAL
CLOSING ACCOUNT BALANCE
8
47
SETTLEMENT
SETTLE DR
SETTLEMENT
8
48
CASH MGT
CASHMGT DR
TRANSFER TO CASH
8
59
MDC SETTLE
MDC SET DR
MDC MERCHANT SETTLEMENT
8
75
CARD DR
CARD ENTRY AT xxxxxx BRANCH
8
76
CARD REV
REVERSAL OF ENTRY AT xxxxxx
8
92
PP NON-
PP NON-FEE
PP NON-PAYMENT FEE
8
93
2
LEASE#
LEASE DUTY
LEASE # LEASE DUTY
8
94
2
LEASE #
LEASE
LEASE #
8
98
NIGHT SAFE
8
301
DRAWING OB
DRAWING OB
DRAWING OB
8
302
4
P PAYMENT
P PAYMENT
8
622
4
MER ADJ
MER ADJ
8
9000
PAYMENT
8
9010
ANZ ATM
8
9011
INTL ATM
8
9012
INTL ATM
8
9013
INTL POS
8
9014
INTL POS
8
9020
PAYMENT
8
9030
ANZ ATM
8
9040
PAYMENT
8
9046
PHONE BPAY
8
9047
INTERNET
8
9048
PHONE BPAY
8
9049
INTER BANK
8
9990
POS
8
9991
POS
8
9992
POS
8
9993
POS
8
9994
POS
256
Public
TRANSACTION
CODE
AUX
DOM
REF
10 CHAR
NARRATIVE
TRAN TYPE
LASER STATEMENT
(40 CHARACTERS)
9
0
1
cheque no
CHEQUE
Cheque no
11
0
2
DEP ERROR
DEP ERR DR
ERROR IN DEPOSIT amount
22
0
4
AFT PRI DR
AUTOMATIC FUNDS TRANSFER
23
0
5
AFT DR
AUTOMATIC FUNDS TRANSFER
29
100
2
LC #
LC DR
DOCUMENTARY CREDIT #
29
200
2
A #
OS AGT DR
OS AGENT/BRANCH BILL FOR
29
300
2
XBC #
XBC DR
BILL COLLN TO OS
29
500
2
OB #
OB DR
OVERSEAS BILL OB #
29
600
2
FBA #
FBA DR
FOREIGN BILL AGENT FBA #
29
700
2
C/B #
C/B DR
COMMERCIAL BILL #
29
800
2
CAB #
FCAB DR
FOREIGN CURRENCY ADVANCE
29
900
2
B/C #
B/C DR
LOCAL BILL FOR COLLECTION
29
1000
2
FEC #
FEC CHG
FORWARD EXCHANGE
29
1100
HEDGE CONT
HEDGE DR
SETTLEMENT OF HEDGE
29
1400
RICE BOARD
RICE DR
RICE BOARD PAYMENT
29
1500
ERROR
ERROR DR
ERROR IN DEPOSIT
29
1800
2
FT #
FT DR
FAST TRACK #
29
1900
N/A
REV INS DR
REVERSAL OF
29
1950
N/A
REFUND
REFUND OF LOAN
29
1960
N/A
PREPAY
LOAN PREPAYMENT
29
2000
BITS CHRGE
BITS CHRGE
BITS REMITTANCE CHARGE
29
2010
OS CHARGE
OS CHARGE
OVERSEAS REMITTANCE
29
2020
F/BILL INT
F/B INT DR
FOREIGN BILL INTEREST
29
2030
2
IC #
IC DR
IMPORT COLLECTION IC #
29
2040
2
ID #
ID DR
IMPORT COLLECTION ID #
29
2050
2
IX #
IX DR
IMPORT COLLECTION IX #
29
2060
2
ED #
ED DR
EXPORT COLLECTION ED #
29
2070
2
EC #
EC DR
EXPORT COLLECTION EC #
29
2080
2
E #
E DR
EXPORT CREDIT E #
29
2090
2
X #
X DR
EXPORT CREDIT X #
29
2200
CBILL ROLL
CB ROLL DR
NET SETTLEMENT – ROLLOVER
29
2300
CBILL DISC
CB DISC DR
PROCEEDS OF DISCOUNT OF
29
2400
C/BILL INV
CB INV DR
COMMERCIAL BILL INVESTMENT
29
2500
NET CB INV
NET CBI DR
NET SETTLEMENT – ROLLOVER
29
2600
MAT CB INV
MAT CBI DR
MATURITY OF COMMERCIAL
29
2700
MAT C/BILL
MAT CBL DR
MATURITY OF COMMERCIAL
29
3010
2
ADJ CUSDEP
ADJ CDP DR
ADJUSTMENT TO CUSTOMER
29
3020
2
ADJ REDTAX
ADJ TAX DR
ADJUSTMENT TO ETP TAX
29
3030
2
ADJ EMPDEP
ADJ EDP DR
ADJUSTMENT TO EMPLOYER
29
3050
2
ADJ TFR
ADJ TFR DR
ADJUSTMENT TO TRANSFER
29
3060
RED
RED
REDEMPTION
29
3070
ADJ RED
ADJ RED DR
REDEMPTION ADJUSTMENT
29
3080
PART RED
PART RED
PARTIAL REDEMPTION
29
3090
ADJ INT
ADJ INT DR
INTEREST ADJUSTMENT
29
3100
ADJ SUPTAX
ADJ STX DR
SUPERANNUATION TAX
29
3110
2
ADJ DUTY
ADJ DTY DR
ADJUSTMENT TO STATE DUTY
29
3120
INS PREM
INS PREM
INSURANCE PREMIUM
29
3130
ADJ PREM
ADJ PREM
ADJUSTMENT TO INSURANCE
257
Public
TRANSACTION
CODE
AUX
DOM
REF
10 CHAR
NARRATIVE
TRAN TYPE
LASER STATEMENT
(40 CHARACTERS)
29
3150
ADJ PROC
ADJ PRC DR
ADJUSTMENT TO INSURANCE
29
3160
2
ADJ TN FEE
ADJ TFE DR
ADJUSTMENT TO TRANSACTION
29
3170
2
ADJ AC SER
ADJ AC DR
ADJUSTMENT TO ACCOUNT
29
4100
OS REMIT
29
4110
RTGS PYT
29
4120
OS TT SENT
29
4130
RTGS SENT
29
4140
PTY FEE
29
4150
OWN AC TFR
29
9000
2
PAYMENT
Xxxxxxxxxx
29
9010
2
PAYMENT
Xxxxxxxxxx
29
9020
2
PAYMENT
Aaaaaaaaaaaaaaaaaaaaa
29
9030
2
PAYMENT
Aaaaaaaaaaaaaaaaaaaaa
30
0
5
FEE
30
1
5
MISC FEE
MISC FEE
MISCELLANEOUS FEE
30
2
5
CA FEE
CA FEE
ACCOUNT KEEPING FEE
30
3
5
ADMIN CHG
ADMIN CHG
LOAN ADMINISTRATION FEE
30
4
5
L A FEE
L A FEE
LIMIT/LOAN APPROVAL FEE
30
6
5
DSR FEE
DSR FEE
DISHONOUR FEE
30
7
5
DEED BOX
DEED BOX
DEED BOX/PACKETS/SCRIP FEE
30
8
5
NIGHT SAFE
NIGHT SAFE
NIGHT SAFE FEE
30
9
5
CABLE CHG
CABLE CHG
CABLE FEE
30
10
5
T/O SEARCH
T/O SEARCH
TITLES OFFICE SEARCH FEE
30
11
5
REG FEE
REG FEE
REGISTRATION FEE
30
12
5
STAMP DUTY
STAMP DUTY
STAMP DUTY
30
13
5
GUARANTEE
GUARANTEE
GUARANTEE FEE
30
14
5
INSPECTION
INSPECTION
INSPECT DOCUMENTS FEE
30
15
5
STATMT FEE
STATMT FEE
DUPLICATE STATEMENT FEE
30
16
5
TELE TFR
TELE TFR
TELEGRAPHIC TRANSFER FEE
30
17
5
C/BILL FEE
C/BILL FEE
COMMERCIAL BILL FEE
30
18
5
STATE DUTY
CR DUTY
STATE GOVERNMENT CREDIT
30
19
5
STATE TAX
DEBITS TAX
STATE GOVERNMENT DEBITS
30
20
5
LIST FEE
LIST FEE
PAYMENT FROM LIST FEE
30
21
5
SPEC CLEAR
SPEC CLEAR
SPECIAL CLEARANCE FEE
30
22
5
TRAV CHQ
TRAV CHQ
TRAVELLERS' CHEQUES FEE
30
23
5
COMM FEE
COMM FEE
COMMITMENT FEE
30
24
5
ERROR
ERROR DR
ERROR IN DEPOSIT/S
30
25
5
BK CHQ FEE
BK CHQ FEE
BANK CHEQUE FEE
30
26
5
OPINION
OPINION
BANK OPINION FEE
30
27
5
SETTLE FEE
SETTLE FEE
SETTLEMENT FEE
30
28
5
T/O REG
T/O REG
TITLES OFFICE REGISTRATION
30
29
5
PLA FEE
PLA FEE
LOAN LATE REPAYMENT FEE
30
30
5
CLCR FEE
CLCR FEE
CHEQUE CASHING FACILITY
30
31
5
S/D SEC
S/D SEC
GOVERNMENT STAMP DUTY ON
30
32
5
S/D TRF
S/D TRF
GOVENRMENT STAMP DUTY
30
35
5
PRO/LOD
PRO/LOD
PRODUCTION/LODGEMENT FEE
30
36
5
LA FEE/OD
L/FEE O/D
OVERDRAFT LINE FEE
30
37
5
AC FEE C/B
AC FEE C/B
COMMERCIAL BILL
258
Public
TRANSACTION
CODE
AUX
DOM
REF
10 CHAR
NARRATIVE
TRAN TYPE
LASER STATEMENT
(40 CHARACTERS)
30
38
5
LE FEE C/B
LE FEE C/B
COMMERCIAL BILL LINE FEE
30
39
5
ANZCASH
ANZCASH
ANZCASH FEE
30
40
5
ANZ TRAVEL
ANZ TRAVEL
ANZ TRAVEL CHARGES
30
42
5
EXCESS FEE
EXCESS FEE
OVERDRAWN ACCOUNT FEE
30
43
5
AUDIT CERT
AUDIT CERT
AUDIT CERTIFICATE FEE
30
44
5
RECON FEE
RECON FEE
RECONCILIATION FEE
30
45
5
TRANS FEE
TRANS FEE
EXCESS TRANSACTION FEE
30
46
5
ATM FEE
ATM FEE
NON ANZ ATM FEE
30
47
5
MAINT FEE
MAINT FEE
ACCOUNT MAINTENANCE FEE
30
48
5
DEBIT FEE
DEBIT FEE
EXCESS DEBIT TRANSACTION
30
49
5
CR LINE
CREDIT FACILITY LINE
30
50
5
FIDD
DEBIT DUTY
STATE GOVERNMENT DEBIT
30
51
5
EFTDD
EFTDD
EFT DEBIT DUTY
30
52
5
SEARCH FEE
SEARCH FEE
SEARCH FEE
30
53
5
RES W/TAX
RES W/TAX
RESIDENT WITHOLDING TAX
30
54
5
SLCTR FEE
SLCTR FEE
SOLICITOR'S FEE
30
55
5
COLLN FEE
COLLN FEE
COLLECTION FEE
30
56
5
ETP TAX
ETP TAX
ETP TAX
30
57
5
SUPER TAXES
SUPER TAX
SUPERANNUATION TAXES
30
58
5
AC SER FEE
AC SER FEE
ACCOUNT SERVICING FEE FOR
30
59
5
W/DRWL FEE
W/DRWL FEE
WITHDRAWAL FEE mmm yy-xxx
30
60
5
BPAY FEES
BPAY FEES
BILLPAY FEES
30
61
5
AC SER FEE
AC SER FEE
ACCOUNT SERVICING FEE FOR
30
70
2
TAPE FEE
30
71
2
DISK FEE
30
72
2
DIALUP FEE
30
73
2
ACCPAY FEE
30
74
2
ANZ FEE
30
75
2
ONLINE FEE
30
76
2
HOST FEE
30
77
2
BUREAU FEE
30
78
2
GROUP FEE
30
79
2
DE ERR FEE
30
80
2
DE EX FEE
30
81
2
AC REC FEE
30
82
2
LIM EX FEE
30
87
STOP FEE
30
95
EW FEE
30
96
STMT FEE
30
97
A.F.T FEE
30
98
SWEEP FEE
30
99
SO EST FEE
30
100
SO SVC FEE
30
101
ARR FEE
34
0
5
REVERSAL
REVERSL DR
REVERSAL OF CREDIT ENTRY
34
4100
REV OS CR
34
4110
REV RTGS
34
4120
REV OS CR
259
Public
TRANSACTION
CODE
AUX
DOM
REF
10 CHAR
NARRATIVE
TRAN TYPE
LASER STATEMENT
(40 CHARACTERS)
34
4130
REV RTGS
34
4140
REV PTYFEE
34
4150
REV OWNTFR
34
9010
3
POS
POS DR
POS
34
9990
2
POS
POS DR
37
0
2
DEBIT
Can be any debit often used by
the
37
70
2
TAPE DR
37
71
2
DISK DR
37
72
2
DIALUP DR
37
73
2
ACCPAY DR
37
74
2
ANZ DR
37
75
2
ONLINE DR
37
76
2
HOST DR
37
77
2
BUREAU DR
37
78
2
GROUP DR
41
0
CLEARING
GL – Entries Suspense clearing
42
0
CHQ BOOK
CHQ BOOK
STAMP DUTY ON CHEQUE BOOK
43
0
DISHONOUR
DISHONOUR
DISHONOUR OF CHEQUE
45
0
NR W/TAX
NR W/TAX
NON-RESIDENT WITHHOLDING
46
0
5
INTEREST
INT DR
INTEREST
47
0
PROM NOTE
PROM NOTE
PROMISSORY NOTE
49
0
ADVICE
ADVISED DR
DETAILS ADVISED SEPARATELY
50
0
TRANSFER
50
41
DRAWDOWN
DRAWDWN
CR
PROCEEDS OF LOAN
50
42
ANZ TRUST
ANZ TRS CR
TRANSFER FROM ANZ
50
43
HARVEST
HARVEST CR
TRANSFER FROM HARVEST
50
44
BAL TFR
BAL TFR
BALANCE TRANSFERRED
50
46
CLO AC BAL
CLO AC CR
CLOSING ACCOUNT BALANCE
50
47
SETTLEMENT
SETTLE CR
SETTLEMENT
50
48
CASH MGT
CASHMGT CR
TRANSFER TO CASH
50
59
MDC SETTLE
MDC SET CR
MDC MERCHANT SETTLEMENT
51
0
CWTH L INT
52
0
FAM ALLOW
53
0
PAY/SALARY
53
75
CRD - 9999
CARD ENTRY
CARD ENTRY AT xxxx BRANCH
53
76
REV - 9999
REV ENRTY
REVERSAL OF ENTRY AT xxxx
53
9000
2
TRANSFER
xxxxxxxxxx
53
9010
2
TRANSFER
xxxxxxxxxx
53
9020
2
TRANSFER
aaaaaaaaaaaaaaaaaaaaa
53
9030
2
TRANSFER
aaaaaaaaaaaaaaaaaaaaa
53
9040
TRANSFER
53
9046
2
PHONE BANK
aaaaaaaaaaaaaaaaaaaaa
53
9047
INTERNET
53
9053
POS REFUND
53
9054
POS REFUND
53
9990
POS
53
9991
POS
260
Public
TRANSACTION
CODE
AUX
DOM
REF
10 CHAR
NARRATIVE
TRAN TYPE
LASER STATEMENT
(40 CHARACTERS)
53
9992
POS
53
9993
POS
53
9994
POS
54
0
PENSION
PENSION
PENSION/SUPERANNUATION
55
0
ALLOTMENT
ALLOTMENT
SERVICE ALLOTMENT
56
0
DIVIDEND
DIVIDEND
DIVIDEND
57
0
DEB INT
DEB INT
DEBENTURE/NOTE INTEREST
60
0
2
AGT* If the
AGT
AGENT*
60
1
TD nnnnnn
TD
TD nnnnnn
60
2
2
TD Innnnnn
TD INT
TERM DEPOSIT INTEREST
62
0
4
A F T
AFT PRI CR
AUTOMATIC FUNDS TRANSFER
63
0
5
A F T
AFT CR
AUTOMATIC FUNDS TRANSFER
64
0
2
DEP ERROR
DEP ERR CR
ERROR IN DEPOSIT amount
65
0
AGT
70
0
2
CASH/CHQS
DEPOSIT
DEPOSIT
70
9010
3
POS
POS CR
POS
70
9990
2
POS
POS CR
79
0
MANUAL CR
88
0
TELE TFR
TELE TFR
PROCEEDS OF TELEGRAPHIC
89
100
2
OB #
OB CR
OVERSEAS BILL OB #
89
200
2
FBA #
FBA CR
FOREIGN BILL AGENT FBA #
89
300
2
XBC #
XBC CR
BILL COLLN TO OS
89
400
2
BB #
BB CR
BRITISH BILL IB#
89
500
2
DXC #
DEXC CR
DIRECT EXPORT COLLECTION
89
700
2
IB #
IB CR
INLAND BILL IB #
89
800
2
FBL #
FBL CR
FOREIGN BILL (LONDON) FBL #
89
900
2
B/C #
B/C CR
LOCAL BILL FOR COLLECTION
89
1100
2
HEDGE CONT
HEDGE CR
SETTLEMENT OF HEDGE
89
1200
2
AWB #
AWB
AUSTRALIAN WHEAT BOARD
89
1300
2
FP #
FP
FRUIT PAYMENT #
89
1400
RICE BOARD
RICE CR
RICE BOARD PAYMENT
89
1500
ERROR
ERROR CR
ERROR IN DEPOSIT/S
89
1600
2
BBP #
BBP
BARLEY BOARD PAYMENT #
89
1700
CANE PAY
CANE PAY
SUGAR CANE PAYMENT
89
1800
2
FT #
FT CR
FAST TRACK #
89
1900
N/A
INS PAY
TRANSFER OF
89
1950
N/A
LOAN OVPAY
LOAN OVERPAYMENT
89
1960
N/A
OVPAY REV
REVERSAL OF LOAN
89
2000
BITS REMIT
BITS REMIT
BITS REMITTANCE
89
2010
OS REMIT
OS REMIT
OVERSEAS REMITTANCE
89
2020
F/BILL INT
F/BILL INT
FOREIGN BILL INTEREST
89
2060
2
ED #
ED CR
EXPORT COLLECTION ED #
89
2070
2
EC #
EC CR
EXPORT COLLECTION EC #
89
2080
2
E #
E CR
EXPORT CREDIT E #
89
2090
2
X #
X CR
EXPORT CREDIT X #
89
2200
CBILL ROLL
CB ROLL CR
NET SETTLEMENT - ROLLOVER
89
2300
CBILL DISC
CB DISC CR
PROCEEDS OF DISCOUNT OF
89
2400
C/BILL INV
CB INV CR
COMMERCIAL BILL INVESTMENT
261
Public
TRANSACTION
CODE
AUX
DOM
REF
10 CHAR
NARRATIVE
TRAN TYPE
LASER STATEMENT
(40 CHARACTERS)
89
2500
NET C/B INV
NET CBI CR
NET SETTLEMENT - ROLLOVER
89
2600
MAT CB INV
MAT CBI CR
MATURITY OF COMMERCIAL
89
2700
MAT C/BILL
MAT CBL CR
MATURITY OF COMMERCIAL
89
3010
2
ADJ CUSDEP
ADJ CDP CR
ADJUSTMENT TO CUSTOMER
89
3020
2
ADJ REDTAX
ADJ TAX CR
ADJUSTMENT TO ETP TAX #
89
3030
2
ADJ EMPDEP
ADJ EDP CR
ADJUSTMENT TO EMPLOYER
89
3040
2
DEP TFR
DEP TFR
DEPOSIT OF TRANSFERRED
89
3050
2
ADJ TFR
ADJ TFR CR
ADJUSTMENT TO TRANSFER
89
3070
ADJ RED
ADJ RED CR
REDEMPTION ADJUSTMENT
89
3090
ADJ INT
ADJ INT CR
INTEREST ADJUSTMENT
89
3100
ADJ SUPTAX
ADJ STX CR
SUPERANNUATION TAX
89
3110
2
ADJ DUTY
ADJ DTY CR
ADJUSTMENT TO STATE DUTY
89
3130
ADJ PREM
ADJ PRM CR
ADJUSTMENT TO INSURANCE
89
3140
INS PROC
INS PROC
INSURANCE PROCEEDS
89
3150
ADJ PROC
ADJ PRC CR
ADJUSTMENT TO INSURANCE
89
3160
ADJ TN FEE
ADJ TFE CR
ADJUSTMENT TO EXCESS
89
3170
ADJ AC SER
ADJ AC CR
ADJUSTMENT TO ACCOUNT
89
3180
2
ST INS PRC
ST INS PRC
STANDARD INSURANCE
89
4000
BPAY COMM
BPAY COMM
BILLPAY COMMISSION
89
4010
BPAY CASH
BPAY CASH
BILLPAY CASH PAYMENTS
89
4020
BPAY CARD
BPAY CARD
BILLPAY CARD PAYMENTS
89
4030
2
AGT # or # (if
BP AGT
BILLPAY CASH/CHEQUES
89
4040
BPAY FBACK
BPAY FBACK
BILLPAY FALLBACK
89
4060
RTGS PAYT
RTGS PAYT
RTGS PAYT
89
4100
OS REMIT
89
4110
RTGS PYT
89
4120
OS TT SENT
89
4130
RTGS SENT
89
4140
PTY FEE
89
4150
OWN AC TFR
89
9000
2
xxxxxxxxxx
TRANSFER
xxxxxxxxxx
89
9010
2
xxxxxxxxxx
TRANSFER
xxxxxxxxxx
89
9020
2
aaaaaaaaaaaa
TRANSFER
aaaaaaaaaaaaaaaaaaaaa
89
9030
2
aaaaaaaaaaaa
TRANSFER
aaaaaaaaaaaaaaaaaaaaa
93
0
5
REVERSAL
REVERSL CR
REVERSAL OF DEBIT ENTRY or
93
36
REV LINE
93
42
REV EX FEE
93
43
REV AUDIT
93
95
RV EW FEE
93
101
REV ARRFEE
93
4100
REV OS DR
93
4110
REV RTGS
93
4120
REV OS DR
93
4130
REV RTGS
93
4140
REV PTYFEE
93
4150
REV OWNTFR
96
0
ADVICE
ADVISED CR
DETAILS ADVISED SEPARATELY
97
0
5
INTEREST
INT EARNED
INTEREST EARNED
262
Public
TRANSACTION
CODE
AUX
DOM
REF
10 CHAR
NARRATIVE
TRAN TYPE
LASER STATEMENT
(40 CHARACTERS)
97
99
2
TD INT
TD INT
TERM DEPOSIT INTEREST
98
0
TRANSFER
P TRANSFER
PERIODIC TRANSFER
99
0
2
CASH/CHQS
CREDIT
DEPOSIT
99
70
2
TAPE CR
99
71
2
DISK CR
99
72
2
DIALUP CR
99
73
2
ACCPAY CR
99
74
2
ANZ CR
99
75
2
ONLINE CR
99
76
2
HOST CR
99
77
2
BUREAU CR
99
78
2
GROUP CR
908
75
CRD-XXXX
908
622
ANZ MERADJ
908
9000
PAYMENT
908
9010
PAYMENT
908
9020
PAYMENT
908
9030
PAYMENT
908
9040
PAYMENT
908
9046
PHONE BANK
908
9047
INTERNET
908
9048
PHONE BPAY
908
9049
INTNETBPAY
908
9990
POS
908
9991
POS
908
9992
POS
908
9993
POS
908
9994
POS
953
75
CRD-XXXX
953
9000
PAYMENT
953
9010
PAYMENT
953
9020
PAYMENT
953
9030
PAYMENT
953
9040
PAYMENT
953
9046
PHONE BANK
953
9047
INTERNET
953
9990
POS
953
9991
POS
953
9992
POS
953
9993
POS
953
9994
POS
The codes in the Ref column (above) indicate what information is placed into the:
• “Reference” field in the CSV format
• “Note to Payee 1” field in Multicash SAPAll Format
• “Note to Payee 2” field in the Multicash SAPGEN format
0: spaces placed in the Reference field
1: Auxdom placed in the Reference field
263
Public
2: ExAuxDom placed in the Reference field
3: Lodgement reference placed in the Reference field
4: Short description placed in the Reference field
5: From account number placed in the Reference field
Transaction Code to BAI Code Mapping
The following tables describe the transaction identifying codes within Single BTR formats for Australian
Domestic Account Reporting.
The codes in the Ref_Ind column indicate what information is placed into the:
“Reference” field in the CSV format
“Note to Payee 1” field in Multicash SAP All Format
“Note to Payee 2” field in the Multicash SAPGEN format
0: spaces placed in the Reference field
1: Auxdom placed in the sReference field
2: ExAuxDom placed in the Reference field
3: Lodgement reference placed in the Reference field
4: Short description placed in the Reference field
5: From account number placed in the Reference field
Refer also to Appendix C
for recognising transactions from the Auxdom and Trancode.
ANZ DETAILS
BAI
Code
TRAN
TYPE
DESCRIPTION
TRAN_CODE
AUXDOM
REF-IND
TRAN TYPE
-2
0
0
MISC CR
399
CR
MISCELLANEOUS CREDIT
-1
0
0
MISC DR
699
DB
MISCELLANEOUS DEBIT
0
0
1
CHEQUE
475
DB
CHEQUE PAID
8
0
0
PAYMENT
467
DB
MISCELLANEOUS DEBIT
8
36
3
BUS CARD
699
DB
MISCELLANEOUS DEBIT
8
37
3
BANKCARD
699
DB
MISCELLANEOUS DEBIT
8
38
3
VISA CARD
699
DB
MISCELLANEOUS DEBIT
8
39
3
MASTRCARD
699
DB
MISCELLANEOUS DEBIT
8
40
3
GOLDCARD
699
DB
MISCELLANEOUS DEBIT
8
41
0
DRAWDWN DR
699
DB
MISCELLANEOUS DEBIT
8
42
0
ANZ TRS DR
699
DB
MISCELLANEOUS DEBIT
8
43
0
HARVEST DR
699
DB
MISCELLANEOUS DEBIT
8
44
0
TRANSFER
699
DB
MISCELLANEOUS DEBIT
8
45
0
WITHDRAW
699
DB
MISCELLANEOUS DEBIT
8
46
0
CLO AC BAL
699
DB
MISCELLANEOUS DEBIT
8
47
0
SETTLE DR
699
DB
MISCELLANEOUS DEBIT
8
48
0
CASHMGT DR
699
DB
MISCELLANEOUS DEBIT
8
59
0
MDC SET DR
699
DB
MISCELLANEOUS DEBIT
8
75
3
CARD DR
699
DB
MISCELLANEOUS DEBIT
8
76
0
CARD REV
699
DB
MISCELLANEOUS DEBIT
8
92
0
PP NON-FEE
699
DB
MISCELLANEOUS DEBIT
8
93
2
LEASE DUTY
699
DB
MISCELLANEOUS DEBIT
8
94
2
LEASE
699
DB
MISCELLANEOUS DEBIT
8
98
0
NIGHT SAFE
699
DB
MISCELLANEOUS DEBIT
8
301
0
DRAWING OB
699
DB
MISCELLANEOUS DEBIT
8
302
0
P PAYMENT
477
DB
STANDING ORDER
8
622
3
MER ADJ
699
DB
MISCELLANEOUS DEBIT
8
9000
3
PAYMENT
699
DB
MISCELLANEOUS DEBIT
8
9010
3
ANZ ATM
699
DB
MISCELLANEOUS DEBIT
8
9011
3
INTL ATM
699
DB
MISCELLANEOUS DEBIT
8
9012
3
INTL ATM
699
DB
MISCELLANEOUS DEBIT
8
9013
3
INTL POS
699
DB
MISCELLANEOUS DEBIT
8
9014
3
INTL POS
699
DB
MISCELLANEOUS DEBIT
8
9020
3
PAYMENT
699
DB
MISCELLANEOUS DEBIT
8
9030
3
ANZ ATM
699
DB
MISCELLANEOUS DEBIT
8
9040
3
PAYMENT
699
DB
MISCELLANEOUS DEBIT
8
9046
3
PHONE BANK
699
DB
MISCELLANEOUS DEBIT
264
Public
ANZ DETAILS
BAI
Code
TRAN
TYPE
DESCRIPTION
TRAN_CODE
AUXDOM
REF-IND
TRAN TYPE
8
9047
3
INTERNET
699
DB
MISCELLANEOUS DEBIT
8
9048
3
PHONE BPAY
699
DB
MISCELLANEOUS DEBIT
8
9049
3
INTNETBPAY
699
DB
MISCELLANEOUS DEBIT
8
9990
3
POS
699
DB
MISCELLANEOUS DEBIT
8
9991
3
POS
699
DB
MISCELLANEOUS DEBIT
8
9992
3
POS
699
DB
MISCELLANEOUS DEBIT
8
9993
3
POS
699
DB
MISCELLANEOUS DEBIT
8
9994
3
POS
699
DB
MISCELLANEOUS DEBIT
9
0
1
CHEQUE
475
DB
CHEQUE PAID
11
0
2
DEP ERR DR
699
DB
MISCELLANEOUS DEBIT
22
0
4
AFT PRI DR
575
DB
AUTOMATIC FUNDS TRANSFER
23
0
5
AFT DR
575
DB
AUTOMATIC FUNDS TRANSFER
29
0
0
EB DEBIT
699
DB
MISCELLANEOUS DEBIT
29
0
1
EB DEBIT
699
DB
MISCELLANEOUS DEBIT
29
100
2
LC DR
512
DB
LETTER OF CREDIT DEBIT
Payments via issuance of Letter of Credit
29
200
2
OS AGT DR
699
DB
MISCELLANEOUS DEBIT
29
300
2
XBC DR
699
DB
MISCELLANEOUS DEBIT
29
500
2
OB DR
699
DB
MISCELLANEOUS DEBIT
29
600
2
FBA DR
699
DB
MISCELLANEOUS DEBIT
29
700
2
C/B DR
699
DB
MISCELLANEOUS DEBIT
29
800
2
FCAB DR
699
DB
MISCELLANEOUS DEBIT
29
900
2
B/C DR
699
DB
MISCELLANEOUS DEBIT
29
1000
2
FEC CHG
698
DB
BILLING CHARGES
29
1100
0
HEDGE DR
699
DB
MISCELLANEOUS DEBIT
29
1400
0
RICE DR
699
DB
MISCELLANEOUS DEBIT
29
1500
0
ERROR DR
699
DB
MISCELLANEOUS DEBIT
29
1800
2
FT DR
699
DB
MISCELLANEOUS DEBIT
29
1900
0
REV INS DR
699
DB
MISCELLANEOUS DEBIT
29
1950
0
REFUND
699
DB
MISCELLANEOUS DEBIT
29
1960
0
PREPAY
699
DB
MISCELLANEOUS DEBIT
29
2000
0
BITS CHRGE
698
DB
MISCELLANEOUS FEES
29
2010
0
OS CHARGE
698
DB
MISCELLANEOUS FEES
29
2020
0
F/B INT DR
699
DB
MISCELLANEOUS DEBIT
29
2030
2
IC DR
699
DB
MISCELLANEOUS DEBIT
29
2040
2
ID DR
699
DB
MISCELLANEOUS DEBIT
29
2050
2
IX DR
699
DB
MISCELLANEOUS DEBIT
29
2060
2
ED DR
699
DB
MISCELLANEOUS DEBIT
29
2070
2
EC DR
699
DB
MISCELLANEOUS DEBIT
29
2080
2
E DR
699
DB
MISCELLANEOUS DEBIT
29
2090
2
X DR
699
DB
MISCELLANEOUS DEBIT
29
2200
0
CB ROLL DR
699
DB
MISCELLANEOUS DEBIT
29
2300
0
CB DISC DR
699
DB
MISCELLANEOUS DEBIT
29
2400
0
CB INV DR
699
DB
MISCELLANEOUS DEBIT
29
2500
0
NET CBI DR
699
DB
MISCELLANEOUS DEBIT
29
2600
0
MAT CBI DR
699
DB
MISCELLANEOUS DEBIT
29
2700
0
MAT CBL DR
699
DB
MISCELLANEOUS DEBIT
29
3010
2
ADJ CDP DR
699
DB
MISCELLANEOUS DEBIT
29
3020
2
ADJ TAX DR
699
DB
MISCELLANEOUS DEBIT
29
3030
2
ADJ EDP DR
699
DB
MISCELLANEOUS DEBIT
29
3050
2
ADJ TFR DR
699
DB
MISCELLANEOUS DEBIT
29
3060
0
RED
699
DB
MISCELLANEOUS DEBIT
29
3070
0
ADJ RED DR
699
DB
MISCELLANEOUS DEBIT
29
3080
0
PART RED
699
DB
MISCELLANEOUS DEBIT
29
3090
0
ADJ INT DR
659
DB
DEBIT INTEREST ADJUSTMENT
29
3100
0
ADJ STX DR
699
DB
MISCELLANEOUS DEBIT
29
3110
2
ADJ DTY DR
699
DB
MISCELLANEOUS DEBIT
29
3120
0
INS PREM
699
DB
MISCELLANEOUS DEBIT
29
3130
0
ADJ PREM
699
DB
MISCELLANEOUS DEBIT
29
3150
0
ADJ PRC DR
699
DB
MISCELLANEOUS DEBIT
29
3160
2
ADJ TFE DR
699
DB
MISCELLANEOUS DEBIT
29
3170
2
ADJ AC DR
699
DB
MISCELLANEOUS DEBIT
29
4100
2
OS REMIT
508
DB
265
Public
ANZ DETAILS
BAI
Code
TRAN
TYPE
DESCRIPTION
TRAN_CODE
AUXDOM
REF-IND
TRAN TYPE
29
4110
2
RTGS PYT
495
DB
RTGS PAYMENT
29
4120
2
OS TT SENT
508
DB
INTERNATIONAL WIRE TRANSFER
Foreign Payments by TT for local currency
29
4130
2
RTGS SENT
495
DB
RTGS PAYMENT
29
4140
2
PTY FEE
698
DB
BILLING CHARGES
29
4150
2
OWN AC TFR
506
DB
BOOK TRANSFER
Payment to a beneficiary bank account with
ANZ
29
9000
2
PAYMENT
699
DB
MISCELLANEOUS
29
9010
2
PAYMENT
699
DB
MISCELLANEOUS
29
9020
2
PAYMENT
699
DB
MISCELLANEOUS
29
9030
2
PAYMENT
699
DB
MISCELLANEOUS
30
0
5
FEE
698
DB
BILLING CHARGES
30
1
5
MISC FEE
698
DB
BILLING CHARGES
30
2
5
CA FEE
698
DB
BILLING CHARGES
30
3
5
ADMIN CHG
698
DB
BILLING CHARGES
30
4
5
L A FEE
698
DB
BILLING CHARGES
30
6
5
DSR FEE
567
DB
RETURN ITEM FEE
30
7
5
DEED BOX
698
DB
BILLING CHARGES
30
8
5
NIGHT SAFE
698
DB
BILLING CHARGES
30
9
5
CABLE CHG
698
DB
BILLING CHARGES
30
10
5
T/O SEARCH
698
DB
BILLING CHARGES
30
11
5
REG FEE
698
DB
BILLING CHARGES
30
12
5
STAMP DUTY
698
DB
BILLING CHARGES
30
13
3
GUARANTEE
698
DB
BILLING CHARGES
30
14
5
INSPECTION
698
DB
BILLING CHARGES
30
15
5
STATMT FEE
698
DB
BILLING CHARGES
30
16
5
TELE TFR
698
DB
BILLING CHARGES
30
17
5
C/BILL FEE
698
DB
BILLING CHARGES
30
18
5
CR DUTY
698
DB
BILLING CHARGES
30
19
5
DEBITS TAX
698
DB
BILLING CHARGES
30
20
5
LIST FEE
698
DB
BILLING CHARGES
30
21
5
SPEC CLEAR
698
DB
BILLING CHARGES
30
22
5
TRAV CHQ
698
DB
BILLING CHARGES
30
23
5
COMM FEE
698
DB
BILLING CHARGES
30
24
5
ERROR DR
698
DB
BILLING CHARGES
30
25
5
BK CHQ FEE
698
DB
BILLING CHARGES
30
26
5
OPINION
698
DB
BILLING CHARGES
30
27
5
SETTLE FEE
698
DB
BILLING CHARGES
30
28
5
T/O REG
698
DB
BILLING CHARGES
30
29
5
PLA FEE
698
DB
BILLING CHARGES
30
30
5
CLCR FEE
698
DB
BILLING CHARGES
30
31
5
S/D SEC
698
DB
BILLING CHARGES
30
32
5
S/D TRF
698
DB
BILLING CHARGES
30
35
5
PRO/LOD
698
DB
BILLING CHARGES
30
36
5
L/FEE O/D
698
DB
BILLING CHARGES
30
37
5
AC FEE C/B
698
DB
BILLING CHARGES
30
38
5
LE FEE C/B
698
DB
BILLING CHARGES
30
39
5
ANZCASH
698
DB
BILLING CHARGES
30
40
5
ANZ TRAVEL
698
DB
BILLING CHARGES
30
42
5
EXCESS FEE
698
DB
BILLING CHARGES
30
43
5
AUDIT CERT
698
DB
BILLING CHARGES
30
44
5
RECON FEE
698
DB
BILLING CHARGES
30
45
5
TRANS FEE
698
DB
BILLING CHARGES
30
46
5
ATM FEE
698
DB
BILLING CHARGES
30
47
5
MAINT FEE
698
DB
BILLING CHARGES
30
48
5
DEBIT FEE
698
DB
BILLING CHARGES
30
49
5
CR LINE
698
DB
BILLING CHARGES
30
50
5
DEBIT DUTY
698
DB
BILLING CHARGES
30
51
5
EFTDD
698
DB
BILLING CHARGES
30
52
5
SEARCH FEE
698
DB
BILLING CHARGES
30
53
5
RES W/TAX
698
DB
BILLING CHARGES
30
54
5
SLCTR FEE
698
DB
BILLING CHARGES
30
55
5
COLLN FEE
698
DB
BILLING CHARGES
266
Public
ANZ DETAILS
BAI
Code
TRAN
TYPE
DESCRIPTION
TRAN_CODE
AUXDOM
REF-IND
TRAN TYPE
30
56
5
ETP TAX
698
DB
BILLING CHARGES
30
57
5
SUPER TAX
698
DB
BILLING CHARGES
30
58
5
AC SER FEE
698
DB
BILLING CHARGES
30
59
5
W/DRWL FEE
698
DB
BILLING CHARGES
30
60
5
BPAY FEES
698
DB
BILLING CHARGES
30
61
5
AC SER FEE
698
DB
BILLING CHARGES
30
70
2
TAPE FEE
698
DB
BILLING CHARGES
30
71
2
DISK FEE
698
DB
BILLING CHARGES
30
72
2
DIALUP FEE
698
DB
BILLING CHARGES
30
73
2
ACCPAY FEE
698
DB
BILLING CHARGES
30
74
2
ANZ FEE
698
DB
BILLING CHARGES
30
75
2
ONLINE FEE
698
DB
BILLING CHARGES
30
76
2
HOST FEE
698
DB
BILLING CHARGES
30
77
2
BUREAU FEE
698
DB
BILLING CHARGES
30
78
2
GROUP FEE
698
DB
BILLING CHARGES
30
79
2
DE ERR FEE
698
DB
BILLING CHARGES
30
80
2
DE EX FEE
698
DB
BILLING CHARGES
30
81
2
AC REC FEE
698
DB
BILLING CHARGES
30
82
2
LIM EX FEE
698
DB
BILLING CHARGES
30
87
1
STOP FEE
698
DB
BILLING CHARGES
30
95
5
EW FEE
698
DB
BILLING CHARGES
30
96
0
STMT FEE
698
DB
BILLING CHARGES
30
97
0
A.F.T FEE
698
DB
BILLING CHARGES
30
98
0
SWEEP FEE
698
DB
BILLING CHARGES
30
99
0
SO EST FEE
698
DB
BILLING CHARGES
30
100
0
SO SVC FEE
698
DB
BILLING CHARGES
30
101
5
ARR FEE
698
DB
BILLING CHARGES
34
0
5
REVERSL DR
557
DB
RETURNED DIRECT DEBIT
34
4100
2
REV OS CR
699
DB
MISCELLANEOUS DEBIT
34
4110
2
REV RTGS
699
DB
MISCELLANEOUS DEBIT
34
4120
2
REV OS CR
699
DB
MISCELLANEOUS DEBIT
34
4130
2
REV RTGS
699
DB
MISCELLANEOUS DEBIT
34
4140
2
REV PTYFEE
698
DB
BILLING CHARGES
34
4150
2
REV OWNTFR
699
DB
MISCELLANEOUS DEBIT
34
9010
3
POS DR
699
DB
MISCELLANEOUS DEBIT
34
9990
2
POS DR
699
DB
MISCELLANEOUS DEBIT
37
0
4
DEBIT
699
DB
MISCELLANEOUS DEBIT
37
70
2
TAPE DR
699
DB
MISCELLANEOUS DEBIT
37
71
2
DISK DR
699
DB
MISCELLANEOUS DEBIT
37
72
2
DIALUP DR
699
DB
MISCELLANEOUS DEBIT
37
73
2
ACCPAY DR
699
DB
MISCELLANEOUS DEBIT
37
74
2
ANZ DR
699
DB
MISCELLANEOUS DEBIT
37
75
2
ONLINE DR
699
DB
MISCELLANEOUS DEBIT
37
76
2
HOST DR
699
DB
MISCELLANEOUS DEBIT
37
77
2
BUREAU DR
699
DB
MISCELLANEOUS DEBIT
37
78
2
GROUP DR
699
DB
MISCELLANEOUS DEBIT
41
0
0
CLEARING
699
DB
MISCELLANEOUS DEBIT
42
0
0
CHQ BOOK
698
DB
BILLING CHARGES
43
0
0
DISHONOUR
555
DB
RETURNED CHEQUE
45
0
0
NR W/TAX
698
DB
BILLING CHARGES
46
0
5
INT DR
654
DB
DEBIT INTEREST
47
0
0
PROM NOTE
698
DB
BILLING CHARGES
49
0
0
DEBIT ADVICE
699
DB
MISCELLANEOUS DEBIT
50
0
0
TRANSFER
169
CR
INCOMING DOMESTIC TRANSFER
50
41
0
DRAWDWN CR
399
CR
MISCELLANEOUS CREDIT
50
42
0
ANZ TRS CR
399
CR
MISCELLANEOUS CREDIT
50
43
0
HARVEST CR
399
CR
MISCELLANEOUS CREDIT
50
44
0
BAL TFR
399
CR
MISCELLANEOUS CREDIT
50
46
0
CLO AC CR
399
CR
MISCELLANEOUS CREDIT
50
47
0
SETTLE CR
399
CR
MISCELLANEOUS CREDIT
50
48
0
CASHMGT CR
399
CR
MISCELLANEOUS CREDIT
50
59
0
MDC SET CR
399
CR
MISCELLANEOUS CREDIT
51
0
0
CWTH L INT
399
CR
MISCELLANEOUS CREDIT
267
Public
ANZ DETAILS
BAI
Code
TRAN
TYPE
DESCRIPTION
TRAN_CODE
AUXDOM
REF-IND
TRAN TYPE
52
0
0
FAM ALLOW
399
CR
MISCELLANEOUS CREDIT
53
0
0
PAY/SALARY
169
CR
MISCELLANEOUS CREDIT
53
75
3
CARD ENTRY
399
CR
MISCELLANEOUS CREDIT
53
76
0
REV ENTRY
399
CR
MISCELLANEOUS CREDIT
53
9000
3
ANZ ATM
295
CR
ATM CREDIT
53
9010
2
TRANSFER
399
CR
MISCELLANEOUS CREDIT
53
9020
2
TRANSFER
399
CR
MISCELLANEOUS CREDIT
53
9030
3
TRANSFER
399
CR
MISCELLANEOUS CREDIT
53
9040
3
TRANSFER
399
CR
MISCELLANEOUS CREDIT
53
9046
3
PHONE BANK
169
CR
MISCELLANEOUS CREDIT
53
9047
3
INTERNET
169
CR
MISCELLANEOUS CREDIT
53
9053
3
POS REFUND
399
CR
MISCELLANEOUS CREDIT
53
9054
3
POS REFUND
399
CR
MISCELLANEOUS CREDIT
53
9990
3
POS
399
CR
MISCELLANEOUS CREDIT
53
9991
3
POS
399
CR
MISCELLANEOUS CREDIT
53
9992
3
POS
399
CR
MISCELLANEOUS CREDIT
53
9993
3
POS
399
CR
MISCELLANEOUS CREDIT
53
9994
3
POS
399
CR
MISCELLANEOUS CREDIT
54
0
0
PENSION
399
CR
MISCELLANEOUS CREDIT
55
0
0
ALLOTMENT
399
CR
MISCELLANEOUS CREDIT
56
0
0
DIVIDEND
399
CR
MISCELLANEOUS CREDIT
57
0
0
CR INT
354
CR
CREDIT INTEREST
60
0
2
AGT
175
CR
CHEQUE DEPOSIT PACKAGE
60
1
2
TD
399
CR
MISCELLANEOUS CREDIT
60
2
2
TD INT
354
CR
CREDIT INTEREST
62
0
4
AFT PRI CR
275
CR
ZERO BALANCE CREDIT
Sweeping
63
0
5
AFT CR
275
CR
ZERO BALANCE CREDIT
Sweeping
64
0
2
DEP ERR CR
399
CR
MISCELLANEOUS CREDIT
65
0
2
AGT
175
CR
CURRENCY AND COIN DEPOSITED
70
0
2
DEPOSIT
175
CR
CHEQUE DEPOSIT PACKAGE
70
9010
3
POS CR
399
CR
LOCKBOX DEPOSIT
70
9010
3
POS CR
115
CR
LOCKBOX DEPOSIT
Collections via Lockbox facility.
For Optus IVR Collections:
The default BAI code for a TC=70 +
AUXDOM=9010 will be 399. However if the
first three letters of the TRACELINE=“OPT”
then, the BAI Code will be updated to “115”
70
9990
2
POS CR
399
CR
MISCELLANEOUS CREDIT
79
0
4
MANUAL CR
399
CR
MISCELLANEOUS CREDIT
88
0
0
TELE TFR
399
CR
MISCELLANEOUS CREDIT
89
100
2
OB CR
399
CR
MISCELLANEOUS CREDIT
89
200
2
FBA CR
399
CR
MISCELLANEOUS CREDIT
89
300
2
XBC CR
399
CR
MISCELLANEOUS CREDIT
89
400
2
BB CR
399
CR
MISCELLANEOUS CREDIT
89
500
2
DEXC CR
399
CR
MISCELLANEOUS CREDIT
89
700
2
IB CR
399
CR
MISCELLANEOUS CREDIT
89
800
2
FBL CR
399
CR
MISCELLANEOUS CREDIT
89
900
2
B/C CR
399
CR
MISCELLANEOUS CREDIT
89
1100
2
HEDGE CR
399
CR
MISCELLANEOUS CREDIT
89
1200
2
AWB
399
CR
MISCELLANEOUS CREDIT
89
1300
2
FP
399
CR
MISCELLANEOUS CREDIT
89
1400
0
RICE CR
399
CR
MISCELLANEOUS CREDIT
89
1500
0
ERROR CR
399
CR
MISCELLANEOUS CREDIT
89
1600
2
BBP
399
CR
MISCELLANEOUS CREDIT
89
1700
0
CANE PAY
399
CR
MISCELLANEOUS CREDIT
89
1800
2
FT CR
399
CR
MISCELLANEOUS CREDIT
89
1900
0
INS PAY
399
CR
MISCELLANEOUS CREDIT
89
1950
0
LOAN OVPAY
399
CR
MISCELLANEOUS CREDIT
268
Public
ANZ DETAILS
BAI
Code
TRAN
TYPE
DESCRIPTION
TRAN_CODE
AUXDOM
REF-IND
TRAN TYPE
89
1960
0
OVPAY REV
399
CR
MISCELLANEOUS CREDIT
89
2000
0
BITS REMIT
195
CR
INCOMING RTGS TRANSFER
89
2010
0
OS REMIT
208
CR
MISCELLANEOUS CREDIT
89
2020
0
F/BILL INT
399
CR
MISCELLANEOUS CREDIT
89
2060
2
ED CR
399
CR
MISCELLANEOUS CREDIT
89
2070
2
EC CR
399
CR
MISCELLANEOUS CREDIT
89
2080
2
E CR
399
CR
MISCELLANEOUS CREDIT
89
2090
2
X CR
399
CR
MISCELLANEOUS CREDIT
89
2200
0
CB ROLL CR
399
CR
MISCELLANEOUS CREDIT
89
2300
0
CB DISC CR
399
CR
MISCELLANEOUS CREDIT
89
2400
0
CB INV CR
399
CR
MISCELLANEOUS CREDIT
89
2500
0
NET CBI CR
399
CR
MISCELLANEOUS CREDIT
89
2600
0
MAT CBI CR
399
CR
MISCELLANEOUS CREDIT
89
2700
0
MAT CBL CR
399
CR
MISCELLANEOUS CREDIT
89
3010
2
ADJ CDP CR
399
CR
MISCELLANEOUS CREDIT
89
3020
2
ADJ TAX CR
399
CR
MISCELLANEOUS CREDIT
89
3030
2
ADJ EDP CR
399
CR
MISCELLANEOUS CREDIT
89
3040
2
DEP TFR
399
CR
MISCELLANEOUS CREDIT
89
3050
2
ADJ TFR CR
399
CR
MISCELLANEOUS CREDIT
89
3070
0
ADJ RED CR
399
CR
MISCELLANEOUS CREDIT
89
3090
0
ADJ INT CR
357
CR
CREDIT ADJUSTMENT
89
3100
0
ADJ STX CR
399
CR
MISCELLANEOUS CREDIT
89
3110
2
ADJ DTY CR
399
CR
MISCELLANEOUS CREDIT
89
3130
0
ADJ PRM CR
399
CR
MISCELLANEOUS CREDIT
89
3140
0
INS PROC
399
CR
MISCELLANEOUS CREDIT
89
3150
0
ADJ PRC CR
399
CR
MISCELLANEOUS CREDIT
89
3160
0
ADJ TFE CR
399
CR
MISCELLANEOUS CREDIT
89
3170
0
ADJ AC CR
399
CR
MISCELLANEOUS CREDIT
89
3180
2
ST INS PRC
399
CR
MISCELLANEOUS CREDIT
89
4000
0
BPAY COMM
399
CR
MISCELLANEOUS CREDIT
89
4010
0
BPAY CASH
115
CR
BPAY DEPOSIT
89
4020
0
BPAY CARD
115
CR
BPAY DEPOSIT
89
4030
2
BP AGT
115
CR
BPAY DEPOSIT
89
4040
0
BPAY FBACK
399
CR
MISCELLANEOUS CREDIT
89
4060
0
RTGS PYT
195
CR
INCOMING RTGS TRANSFER
89
4100
2
OS REMIT
208
CR
MISCELLANEOUS CREDIT
89
4110
2
RTGS PYT
195
CR
INCOMING RTGS TRANSFER
89
4120
2
OS TT SENT
208
CR
MISCELLANEOUS CREDIT
89
4130
2
RTGS SENT
195
CR
INCOMING RTGS TRANSFER
89
4140
2
PTY FEE
399
CR
MISCELLANEOUS CREDIT
89
4150
2
OWN AC TFR
206
CR
BOOK TRANSFER
89
9000
2
TRANSFER
399
CR
MISCELLANEOUS CREDIT
89
9010
2
TRANSFER
399
CR
MISCELLANEOUS CREDIT
89
9020
2
TRANSFER
399
CR
MISCELLANEOUS CREDIT
89
9030
2
TRANSFER
399
CR
MISCELLANEOUS CREDIT
93
0
0
REVERSL CR
266
CR
RETURN ITEM
93
0
5
REVERSL CR
266
CR
RETURN ITEM
93
36
5
REV LINE
399
CR
MISCELLANEOUS CREDIT
93
42
5
REV EX FEE
399
CR
MISCELLANEOUS CREDIT
93
43
5
REV AUDIT
399
CR
MISCELLANEOUS CREDIT
93
95
5
RV EW FEE
399
CR
MISCELLANEOUS CREDIT
93
101
5
REV ARRFEE
399
CR
MISCELLANEOUS CREDIT
93
4100
2
REV OS DR
399
CR
MISCELLANEOUS CREDIT
93
4110
2
REV RTGS
399
CR
MISCELLANEOUS CREDIT
93
4120
2
REV OS DR
399
CR
MISCELLANEOUS CREDIT
93
4130
2
REV RTGS
399
CR
MISCELLANEOUS CREDIT
93
4140
2
REV PTYFEE
399
CR
MISCELLANEOUS CREDIT
93
4150
2
REV OWNTFR
399
CR
MISCELLANEOUS CREDIT
96
0
0
ADVISED CR
399
CR
MISCELLANEOUS CREDIT
97
0
5
INT EARNED
354
CR
INTEREST CREDIT
269
Public
ANZ DETAILS
BAI
Code
TRAN
TYPE
DESCRIPTION
TRAN_CODE
AUXDOM
REF-IND
TRAN TYPE
97
99
2
TD INT
354
CR
INTEREST CREDIT
98
0
0
P TRANSFER
399
CR
MISCELLANEOUS CREDIT
99
0
2
CREDIT
399
CR
MISCELLANEOUS CREDIT
99
70
2
TAPE CR
399
CR
MISCELLANEOUS CREDIT
99
71
2
DISK CR
399
CR
MISCELLANEOUS CREDIT
99
72
2
DIALUP CR
399
CR
MISCELLANEOUS CREDIT
99
73
2
ACCPAY CR
399
CR
MISCELLANEOUS CREDIT
99
74
2
ANZ CR
399
CR
MISCELLANEOUS CREDIT
99
75
2
ONLINE CR
167
CR
DIRECT DEBIT
99
76
2
HOST CR
399
CR
MISCELLANEOUS CREDIT
99
77
2
BUREAU CR
399
CR
MISCELLANEOUS CREDIT
99
78
2
GROUP CR
399
CR
MISCELLANEOUS CREDIT
908
75
3
CRD-XXXX
699
DB
MISCELLANEOUS DEBIT
908
622
3
ANZ MERADJ
699
DB
MISCELLANEOUS DEBIT
908
9000
3
PAYMENT
699
DB
MISCELLANEOUS DEBIT
908
9010
3
PAYMENT
699
DB
MISCELLANEOUS DEBIT
908
9020
3
PAYMENT
699
DB
MISCELLANEOUS DEBIT
908
9030
3
PAYMENT
699
DB
MISCELLANEOUS DEBIT
908
9040
3
PAYMENT
699
DB
MISCELLANEOUS DEBIT
908
9046
3
PHONE BANK
699
DB
MISCELLANEOUS DEBIT
908
9047
3
INTERNET
699
DB
MISCELLANEOUS DEBIT
908
9048
3
PHONE BPAY
699
DB
MISCELLANEOUS DEBIT
908
9049
3
INTNETBPAY
699
DB
MISCELLANEOUS DEBIT
908
9990
3
POS
699
DB
MISCELLANEOUS DEBIT
908
9991
3
POS
699
DB
MISCELLANEOUS DEBIT
908
9992
3
POS
699
DB
MISCELLANEOUS DEBIT
908
9993
3
POS
699
DB
MISCELLANEOUS DEBIT
908
9994
3
POS
699
DB
MISCELLANEOUS DEBIT
922
0
4
AFT PRI DR
575
DB
ZERO BALANCE DEBIT
Sweeping
923
0
5
AFT DR
575
DB
ZERO BALANCE DEBIT
Sweeping
953
75
3
CRD-XXXX
399
CR
MISCELLANEOUS CREDIT
953
9000
3
TRANSFER
399
CR
MISCELLANEOUS CREDIT
953
9010
3
TRANSFER
399
CR
MISCELLANEOUS CREDIT
953
9020
3
TRANSFER
399
CR
MISCELLANEOUS CREDIT
953
9030
3
TRANSFER
399
CR
MISCELLANEOUS CREDIT
953
9040
3
TRANSFER
399
CR
MISCELLANEOUS CREDIT
953
9046
3
PHONE BANK
169
CR
MISCELLANEOUS CREDIT
953
9047
3
INTERNET
169
CR
MISCELLANEOUS CREDIT
953
9990
3
POS
399
CR
MISCELLANEOUS CREDIT
953
9991
3
POS
399
CR
MISCELLANEOUS CREDIT
953
9992
3
POS
399
CR
MISCELLANEOUS CREDIT
953
9993
3
POS
399
CR
MISCELLANEOUS CREDIT
953
9994
3
POS
399
CR
MISCELLANEOUS CREDIT
962
0
4
AFT PRI CR
275
CR
ZERO BALANCE CREDIT
Sweeping
963
0
5
AFT CR
275
CR
ZERO BALANCE CREDIT
Sweeping
993
0
0
REVERSL CR
266
CR
RETURN ITEM
993
0
5
REVERSL CR
266
CR
RETURN ITEM
996
0
0
MISC CR
399
CR
MISCELLANEOUS CREDIT
998
0
0
MISC CR
399
CR
MISCELLANEOUS CREDIT
999
0
0
MISC CR
399
CR
MISCELLANEOUS CREDIT
Additional notes about setting BAI codes:
For a transaction in the BTR database, where the ACC_SOURCE=“CMM” and the customer
account is registered to generate the BTR Single File, ANZ cannot find an appropriate BAI code for
the transaction; if the transaction that cannot be matched with a BAI Code has a TRAN_CODE of:
270
Public
o < 50 (Debit), then ANZ assigns a BAI code of 699 to that transaction.
o => 50 (Credit), then ANZ assigns a BAI code 399 to that transaction.
271
Public
22 APPENDIX B – BAI/TRANSACTION CODES – (ANZ TRANSACTIVE)
The following tables describe the transaction identifying codes within BAI, CSV and SAP/Multicash
formats for Australian Domestic Account Reporting.
Data Source: This section relates to transaction identifying codes where the data source is ANZ
Transactive.
22.1 BAI Status and Summary Level Items
BAI CODE
BAI TYPE
BAI LEVEL
DESCRIPTION
10
NA
STATUS
OPENING LEDGER
11
NA
STATUS
AVERAGE OPENING LEDGER MTD
12
NA
STATUS
AVERAGE OPENING LEDGER YTD
15
NA
STATUS
CLOSING LEDGER
20
NA
STATUS
AVERAGE CLOSING LEDGER MTD
21
NA
STATUS
AVERAGE CLOSING LEDGER - PREVIOUS MONTH
22
NA
STATUS
AGGREGATE BALANCE ADJUSTMENTS
24
NA
STATUS
AVERAGE CLOSING LEDGER YTD - PREVIOUS MONTH
25
NA
STATUS
AVERAGE CLOSING LEDGER YTD
30
NA
STATUS
CURRENT LEDGER
37
NA
STATUS
ACH NET POSITION
39
NA
STATUS
OPENING AVAILABLE + TOTAL SAME-DAY ACH DTC DEPOSIT
40
NA
STATUS
OPENING AVAILABLE
41
NA
STATUS
AVERAGE OPENING AVAILABLE MTD
42
NA
STATUS
AVERAGE OPENING AVAILABLE YTD
43
NA
STATUS
AVERAGE AVAILABLE - PREVIOUS MONTH
44
NA
STATUS
DISBURSING OPENING AVAILABLE BALANCE
45
NA
STATUS
CLOSING AVAILABLE
50
NA
STATUS
AVERAGE CLOSING AVAILABLE MTD
51
NA
STATUS
AVERAGE CLOSING AVAILABLE - LAST MONTH
54
NA
STATUS
AVERAGE CLOSING AVAILABLE YTD - LAST MONTH
55
NA
STATUS
AVERAGE CLOSING AVAILABLE YTD
56
NA
STATUS
LOAN BALANCE
57
NA
STATUS
TOTAL INVESTMENT POSITION
59
NA
STATUS
CURRENT AVAILABLE (CRS SUPPRESSED)
60
NA
STATUS
CURRENT AVAILABLE
61
NA
STATUS
AVERAGE CURRENT AVAILABLE MTD
62
NA
STATUS
AVERAGE CURRENT AVAILABLE YTD
63
NA
STATUS
TOTAL FLOAT
65
NA
STATUS
TARGET BALANCE
66
NA
STATUS
ADJUSTED BALANCE
67
NA
STATUS
ADJUSTED BALANCE MTD
68
NA
STATUS
ADJUSTED BALANCE YTD
70
NA
STATUS
0-DAY FLOAT
72
NA
STATUS
1-DAY FLOAT
73
NA
STATUS
FLOAT ADJUSTMENT
74
NA
STATUS
2 OR MORE DAYS FLOAT
75
NA
STATUS
3 OR MORE DAYS FLOAT
76
NA
STATUS
ADJUSTMENT TO BALANCE
77
NA
STATUS
AVERAGE ADJUSTMENT TO BALANCE MTD
78
NA
STATUS
AVERAGE ADJUSTMENT TO BALANCE YTD
79
NA
STATUS
4-DAY FLOAT
80
NA
STATUS
5-DAY FLOAT
81
NA
STATUS
6-DAY FLOAT
82
NA
STATUS
AVERAGE 1-DAY FLOAT MTD
272
Public
BAI CODE
BAI TYPE
BAI LEVEL
DESCRIPTION
83
NA
STATUS
AVERAGE 1-DAY FLOAT YTD
84
NA
STATUS
AVERAGE 2-DAY FLOAT MTD
85
NA
STATUS
AVERAGE 2-DAY FLOAT YTD
86
NA
STATUS
TRANSFER CALCULATION
87
NA
STATUS
TARGET BALANCE DEFICIENCY
88
NA
STATUS
TOTAL FUNDING REQUIREMENT
101
CR
STATUS
TOTAL CREDIT AMOUNT MTD
701
NA
STATUS
PRINCIPAL LOAN BALANCE
703
NA
STATUS
AVAILABLE COMMITMENT AMOUNT
705
NA
STATUS
PAYMENT AMOUNT DUE
707
NA
STATUS
PRINCIPAL AMOUNT PAST DUE
709
NA
STATUS
INTEREST AMOUNT PAST DUE
900
NA
STATUS
ACCRUED (UNPOSTED) CREDIT INTEREST
901
NA
STATUS
ACCRUED (UNPOSTED) DEBIT INTEREST
902
NA
STATUS
OVERDRAFT LIMIT
904
NA
STATUS
CREDIT INTEREST RATE
905
NA
STATUS
DEBIT INTEREST RATE
906
NA
STATUS
DOMESTIC EQUIVALENT
907
NA
STATUS
RESTRAINED (AMOUNT HOLD)
100
CR
SUMMARY
TOTAL NUMBER OF CREDIT TRANSACTIONS
105
CR
SUMMARY
CREDITS NOT DETAILED
106
CR
SUMMARY
DEPOSITS SUBJECT TO FLOAT
107
CR
SUMMARY
TOTAL ADJUSTMENT CREDITS YTD
109
CR
SUMMARY
CURRENT DAY TOTAL LOCKBOX DEPOSITS
110
CR
SUMMARY
TOTAL LOCKBOX DEPOSITS
120
CR
SUMMARY
EDI TRANSACTION CREDITS
130
CR
SUMMARY
TOTAL CONCENTRATION CREDITS
131
CR
SUMMARY
TOTAL DTC CREDITS
140
CR
SUMMARY
TOTAL ACH CREDITS
146
CR
SUMMARY
TOTAL BANK CARD DEPOSIT
150
CR
SUMMARY
TOTAL PREAUTHORISED PAYMENT CREDITS
160
CR
SUMMARY
TOTAL ACH DISBURSING FUNDING CREDIT
162
CR
SUMMARY
CORPORATE TRADE PAYMENT SETTLEMENT
163
CR
SUMMARY
CORPORATE TRADE PAYMENT CREDITS
167
CR
SUMMARY
ACH SETTLEMENT CREDITS
170
CR
SUMMARY
TOTAL OTHER CHEQUE DEPOSITS
178
CR
SUMMARY
LIST POST CREDITS
180
CR
SUMMARY
TOTAL LOAN PROCEEDS
182
CR
SUMMARY
TOTAL BANK- PREPARED DEPOSITS
185
CR
SUMMARY
TOTAL MISCELLANEOUS DEPOSITS
186
CR
SUMMARY
TOTAL CASH LETTER CREDITS
188
CR
SUMMARY
TOTAL CASH LETTER ADJUSTMENTS
190
CR
SUMMARY
TOTAL INCOMING MONEY TRANSFERS
200
CR
SUMMARY
TOTAL AUTOMATIC TRANSFER CREDITS
205
CR
SUMMARY
TOTAL BOOK TRANFER CREDITS
207
CR
SUMMARY
TOTAL INTERNATIONAL MONEY TRANSFER CREDITS
210
CR
SUMMARY
TOTAL INTERNATIONAL CREDITS
215
CR
SUMMARY
TOTAL LETTERS OF CREDIT
230
CR
SUMMARY
TOTAL SECURITY CREDITS
231
CR
SUMMARY
TOTAL COLLECTION CREDITS
239
CR
SUMMARY
TOTAL BANKERS' ACCEPTANCE CREDITS
245
CR
SUMMARY
MONTHLY DIVIDENDS
250
CR
SUMMARY
TOTAL CHEQUES POSTED AND RETURNED
273
Public
BAI CODE
BAI TYPE
BAI LEVEL
DESCRIPTION
251
CR
SUMMARY
TOTAL DEBIT REVERSALS
256
CR
SUMMARY
TOTAL ACH RETURN ITEMS
260
CR
SUMMARY
TOTAL REJECTED CREDITS
270
CR
SUMMARY
TOTAL ZBA CREDITS
271
CR
SUMMARY
NET ZERO-BALANCE AMOUNT
280
CR
SUMMARY
TOTAL CONTROLLED DISBURSING CREDITS
285
CR
SUMMARY
TOTAL DTC DISBURSING CREDITS
294
CR
SUMMARY
TOTAL ATM CREDITS
302
CR
SUMMARY
CORRESPONDENT BANK DEPOSIT
303
CR
SUMMARY
TOTAL WIRE TRANSFERS IN - FF
304
CR
SUMMARY
TOTAL WIRE TRANSFERS IN - CHF
305
CR
SUMMARY
TOTAL FED FUNDS SOLD
307
CR
SUMMARY
TOTAL TRUST CREDITS
309
CR
SUMMARY
TOTAL VALUE- DATED FUNDS
310
CR
SUMMARY
TOTAL COMMERCIAL DEPOSITS
315
CR
SUMMARY
TOTAL INTERNATIONAL CREDITS - FF
316
CR
SUMMARY
TOTAL INTERNATIONAL CREDITS – CHF
318
CR
SUMMARY
TOTAL FOREIGN CHEQUE PURCHASED
319
CR
SUMMARY
LATE DEPOSIT
320
CR
SUMMARY
TOTAL SECURITIES SOLD - FF
321
CR
SUMMARY
TOTAL SECURITIES SOLD - CHF
324
CR
SUMMARY
TOTAL SECURITIES MATURED - FF
325
CR
SUMMARY
TOTAL SECURITIES MATURED - CHF
326
CR
SUMMARY
TOTAL SECURITIES INTEREST
327
CR
SUMMARY
TOTAL SECURITIES MATURED
328
CR
SUMMARY
TOTAL SECURITIES INTEREST - FF
329
CR
SUMMARY
TOTAL SECURITIES INTEREST - CHF
330
CR
SUMMARY
TOTAL ESCROW CREDITS
332
CR
SUMMARY
TOTAL MISC SECURITIES CREDITS-FF
336
CR
SUMMARY
TOTAL MISC SECURITIES CREDITS-CHF
338
CR
SUMMARY
TOTAL SECURITIES SOLD
340
CR
SUMMARY
TOTAL BROKER DEPOSITS
341
CR
SUMMARY
TOTAL BROKER DEPOSITS-FF
343
CR
SUMMARY
TOTAL BROKER DEPOSITS-CHF
350
CR
SUMMARY
INVESTMENT SOLD
352
CR
SUMMARY
TOTAL CASH CENTER CREDITS
355
CR
SUMMARY
INVESTMENT INTEREST
356
CR
SUMMARY
TOTAL CREDIT ADJUSTMENT
360
CR
SUMMARY
TOTAL CREDITS LESS WIRE TRANSFR AND RETURNED CHKS
361
CR
SUMMARY
GRAND TOTAL CREDITS LESS GRAND TOTAL DEBITS
370
CR
SUMMARY
TOTAL BACK VALUE CREDITS
385
CR
SUMMARY
TOTAL UNIVERSAL CREDITS
389
CR
SUMMARY
TOTAL FREIGHT PAYMENT CREDITS
390
CR
SUMMARY
TOTAL MISCELLANEOUS CREDITS
400
DR
SUMMARY
TOTAL NUMBER OF DEBIT TRANSACTIONS
401
DR
SUMMARY
TOTAL DEBIT AMOUNT MTD
403
DR
SUMMARY
TODAY'S TOTAL DEBITS
405
DR
SUMMARY
TOTAL DEBIT LESS WIRE TRANSFER AND CHARGE-BACKS
406
DR
SUMMARY
DEBITS NOT DETAILED
410
DR
SUMMARY
TOTAL YTD ADJUSTMENT
412
DR
SUMMARY
TOTAL DEBITS (EXCLUDING RETURNED ITEMS)
416
DR
SUMMARY
TOTAL LOCKBOX DEBITS
420
DR
SUMMARY
EDI TRANSACTION DEBITS
274
Public
BAI CODE
BAI TYPE
BAI LEVEL
DESCRIPTION
430
DR
SUMMARY
TOTAL PAYABLE - THROUGH DRAFTS
446
DR
SUMMARY
TOTAL ACH DISBURSEMENT FUNDING DEBITS
450
DR
SUMMARY
TOTAL ACH DEBITS
463
DR
SUMMARY
CORPORATE TRADE PAYMENT DEBITS
465
DR
SUMMARY
CORPORATE TRADE PAYMENT SETTLEMENT
467
DR
SUMMARY
ACH SETTLEMENT DEBITS
470
DR
SUMMARY
TOTAL CHEQUES PAID
471
DR
SUMMARY
TOTAL CHEQUES PAID - CUMULATIVE MTD
480
DR
SUMMARY
TOTAL LOAN PAYMENTS
482
DR
SUMMARY
TOTAL BANK-ORIGINATED DEBITS
486
DR
SUMMARY
TOTAL CASH LETTER DEBITS
490
DR
SUMMARY
TOTAL OUTGOING MONEY TRANSFERS
500
DR
SUMMARY
TOTAL AUTOMATIC TRANSFER DEBITS
505
DR
SUMMARY
TOTAL BOOK TRANFER DEBITS
507
DR
SUMMARY
TOTAL INTERNATIONAL MONEY TRANSFER DEBITS
510
DR
SUMMARY
TOTAL INTERNATIONAL DEBITS
515
DR
SUMMARY
TOTAL LETTERS OF CREDIT
530
DR
SUMMARY
TOTAL SECURITY DEBITS
532
DR
SUMMARY
TOTAL AMOUNT OF SECURITIES PURCHASED
534
DR
SUMMARY
TOTAL MISCELLANEOUS SECURITIES DB-FF
536
DR
SUMMARY
TOTAL MISC SECURITIES DEBIT - CHF
537
DR
SUMMARY
TOTAL COLLECTION DEBIT
539
DR
SUMMARY
TOTAL BANKERS' ACCEPTANCES DEBIT
550
DR
SUMMARY
TOTAL DEPOSITED ITEMS RETURNED
551
DR
SUMMARY
TOTAL CREDIT REVERSALS
556
DR
SUMMARY
TOTAL ACH RETURN ITEMS
560
DR
SUMMARY
TOTAL REJECTED DEBITS
561
DR
SUMMARY
INDIVIDUAL REJECTED DEBIT
570
DR
SUMMARY
TOTAL ZBA DEBITS
580
DR
SUMMARY
TOTAL CONTROLLED DISBURSING DEBITS
583
DR
SUMMARY
TOTAL DISBURSING CHEQUES PAID-EARLY AMOUNT
584
DR
SUMMARY
TOTAL DISBURSING CHEQUES PAID-LATER AMOUNT
585
DR
SUMMARY
DISBURSING FUNDING REQUIREMENT
586
DR
SUMMARY
FRB PRESENTMENT ESTIMATE (FED ESTIMATE)
587
DR
SUMMARY
LATE DEBITS (AFTER NOTIFICATION)
588
DR
SUMMARY
TOTAL DISBURSING CHEQUES PAID-LAST AMOUNT
590
DR
SUMMARY
TOTAL DTC DEBITS
594
DR
SUMMARY
TOTAL ATM DEBITS
596
DR
SUMMARY
TOTAL ARP DEBITS
601
DR
SUMMARY
ESTIMATED TOTAL DISBURSEMENT
602
DR
SUMMARY
ADJUSTED TOTAL DISBURSEMENT
610
DR
SUMMARY
TOTAL FUNDS REQUIRED
611
DR
SUMMARY
TOTAL WIRE TRANSFERS OUT - CHF
612
DR
SUMMARY
TOTAL WIRE TRANSFERS OUT - FF
613
DR
SUMMARY
TOTAL INTERNATIONAL DEBIT - CHF
614
DR
SUMMARY
TOTAL INTERNATIONAL DEBIT - FF
615
DR
SUMMARY
TOTAL FED RESERVE BANK-COMMERCIAL BANK DEBIT
617
DR
SUMMARY
TOTAL SECURITIES PURCHASED - CHF
618
DR
SUMMARY
TOTAL SECURITIES PURCHASED - FF
623
DR
SUMMARY
TOTAL BROKER DEBIT - FF
625
DR
SUMMARY
TOTAL BROKER DEBITS
626
DR
SUMMARY
TOTAL FED FUNDS PURCHASED
628
DR
SUMMARY
TOTAL CASH CENTER DEBITS
275
Public
BAI CODE
BAI TYPE
BAI LEVEL
DESCRIPTION
630
DR
SUMMARY
TOTAL DEBIT ADJUSTMENTS
632
DR
SUMMARY
TOTAL TRUST DEBITS
640
DR
SUMMARY
TOTAL ESCROW DEBITS
646
DR
SUMMARY
TRANSFER CALCULATION DEBIT
650
DR
SUMMARY
INVESTMENTS PURCHASED
655
DR
SUMMARY
TOTAL INVESTMENT INTEREST DEBITS
665
DR
SUMMARY
INTERCEPT DEBITS
670
DR
SUMMARY
TOTAL BACK VALUE ADJUSTMENT
685
DR
SUMMARY
TOTAL UNIVERSAL DEBITS
689
DR
SUMMARY
TOTAL FREIGHT PAYMENT DEBITS
690
DR
SUMMARY
TOTAL MISCELLANEOUS DEBITS
720
CR
SUMMARY
TOTAL LOAN PAYMENT
760
DR
SUMMARY
LOAN DISBURSEMENT
908
NA
STATUS
CUSTOMER LIMIT
22.2 Transaction code descriptions – HFR / CMM / V2P Source.
The following table describes the Transaction Codes and descriptions for HFR, CMM and V2 Plus source
accounts:
BAI Code
Transaction
Code
AUXDOM
Transaction
Type
Description
142 * * CREDIT AP - CREDIT
142 51 155 CWTH L INT COMMONWEALTH LOAN INTEREST
142 53 155 PAY/SALARY PAY/SALARY
142 98 155 PAYMENT PERIODIC TRANSFER
146 * * INTL POS REFUND MAESTRO EFTPOS CR
146 * * POS CR POINT OF SALE DEPOSIT
146 * * POS CR POINT OF SALE MERCHANT CREDIT
147 * * INTL POS REFUND MAESTRO EFTPOS CR
147 * * POS CR POINT OF SALE DEPOSIT
147 * * POS CR POINT OF SALE MERCHANT CREDIT
169 * * PHONE BPAY PHONE BANKING BILL PAY CREDIT
169 * * TRANSFER ANZ MTS - CREDIT (Default)
169 * * TRANSFER ANZ MTS FUNDS CREDIT
169 * * TRANSFER INTERNET BANKING CREDIT TRANSFER
169 * * TRANSFER PHONE BANKING CREDIT TRANSFER
169 50 * TRANSFER TRANSFER CREDIT
169 50 15884 PENSION PENSION/SUPERANNUATION (FID ONLY IN TAS)
169 50 17342 TRANSFER TRANSFER CREDIT
169 50 79583 FHOG TFR FIRST HOME OWNERS GRANT
169 52 * FAM PAY FAMILY ALLOWANCE/CHILD ENDOWMENT
169 52 15884 FAM PAY FAMILY ALLOW/CHILD END (FID ONLY IN TAS)
169 53 * PAY/SALARY PAY/SALARY
169 53 9046 PHONE BANK ANZ PHONE BANKING
169 53 9064 PHONE BANK ANZ PHONE BANKING
169 99 75 TRANSFER ANZ MTS FUNDS CREDIT
172 64 * DEP ERR CR ERROR IN DEPOSIT (LESS THAN $2.00)
276
Public
BAI Code
Transaction
Code
AUXDOM
Transaction
Type
Description
172 64 * ERROR CR ERROR IN DEPOSIT (LESS THAN $2.00)
175 * * DEPOSIT BRANCH - CHEQUE ONLY DEPOSIT
175 * * DEPOSIT BRANCH - CASH/CHEQUE DEPOSIT
175 * * DEPOSIT PROOF DEPOSIT
175 53 * PAY/SALARY PAY/SALARY
175 53 75 CARD ENTRY CARD ENTRY AT BRANCH
175 60 * AGT AGENT NUMBER - COLLECTION ITEMS
175 60 * BP AGT AGENT NUMBER - COLLECTION ITEMS
175 70 * DEPOSIT PERSONAL DEP TO NEW SSA / CUSTOMER DEP
175 70 * DEPOSIT PERSONAL DEP TO NEW SSA/CUSTOMER DEP
175 99 * DEPOSIT CASH/CHEQUE DEPOSIT
195 * * BPAY Cash Management Online Bill Pay (SDSC) -CR
195 * * BPAY
Cash Management Online Multiple Bill Pay
(SDMC) - CR
195 * * CREDIT PAY PLUS CREDIT
195 * * DEPOSIT ELECTRONIC EXCHANGES - CREDIT
195 * * INTERNET INTERNET BANKING CREDIT MULTIPLE TRANSFER
195 * * INTERNET INTERNET BANKING PAY ANYONE CREDIT
195 * * PAYANYONE
Cash Management Online Pay anyone (SDSC)
– CR
195 * * PAYANYONE
Cash Management Online Multiple Pay anyone
(SDMC) - CR
195 * * PHONE BANK PHONE BANKING CREDIT MULTIPLE TRANSFER
195 * * PHONE BPAY PHONE BANKING MULTIPLE BILL PAY CREDIT
195 * * TRANSFER ANZ ONLINE FUNDS TRANSFER CREDIT TRANSFER
195 * * TRANSFER CAP BUREAU OTHER BANK (CREDIT DE)
195 * * TRANSFER
Cash Management Online Direct Credit (SDMC)
– CR
195 * * TRANSFER
Cash Management Online Multiple Funds Transfer
– CR
195 * * TRANSFER PTM-Credit
195 50 * TRANSFER HOME BANKING TYPE 8
195 50 * TRANSFER HOME BANKING TYPE 9
195 50 * TRANSFER TRANSFER CREDIT
195 50 43 HARVEST CR TRANSFER FROM HARVEST ACCOUNT
195 50 44 BAL TFR BALANCE TRANSFERRED
195 50 48 TRANSFER TRANSFER FROM CASH MANAGEMENT ACCOUNT
195 50 5 CREDIT CREDIT REPOST
195 50 9999 TFR CREDIT HOME BANKING TRANSFER
195 50 9999 TRANSFER HOME BANKING TRANSFER
195 53 * ATM Deposit ANZ ATM Deposit
195 53 * ATM Funds Tr ANZ ATM Funds Transfer(CR)
195 53 * Visa Credit Visa Credit
195 53 9047 INTERNET ANZ PC BANKING
195 53 9050 INTERNET SHARE TRADE DEP/FUNDS TFR
195 53 9050 TRANSFER SHARE TRADE DEP/FUNDS TFR
195 53 9051 INTERNET ANZ INTERNET BANKING TRANSFER
195 53 9051 TRANSFER ANZ INTERNET BANKING TRANSFER
277
Public
BAI Code
Transaction
Code
AUXDOM
Transaction
Type
Description
195 53 9052 INTERNET ANZ INTERNET BANKING TRANSFER
195 53 9052 TRANSFER ANZ INTERNET BANKING TRANSFER
195 53 9062 INTERNET ONLINE FUNDS TRANSFER
195 53 9063 INTERNET ANZ PC BANKING
195 53 9064 PHONE BANK ANZ PHONE BANKING
195 53 9066 GOMONY TRF ANZ MOBILE BANKING FUNDS TRANSFER
195 53 9500 TRANSFER PTM-Credit
195 54 * PENSION
Cash Management Online Direct Credit (SDMC) -
CR
195 55 * ALLOTMENT
Cash Management Online Direct Credit (SDMC) -
CR
195 55 * ALLOTMENT SERVICE ALLOTMENT
195 60 * AGT AGENT NUMBER - COLLECTION ITEMS
195 60 * TRANSFER RE-DIRECTED CR FROM TDA
195 70 4060 RTGS PMT RTGS PAYMENT
195 70 4110 RTGS PMT DOMESTIC TT RECEIVED
195 70 4130 RTGS SENT DOMESTIC TT REMITTED
195 70 4150 TRANSFER TRANSFER REFERENCE
195 89 3040 DEP TFR DEPOSIT OF TRANSFERRED FUNDS
195 89 4010 BPAY CASH BPAY CASH PAYMENT
195 89 4020 BPAY CARD BPAY CARD PAYMENT
195 89 4060 RTGS PMT RTGS PAYMENT
195 89 4110 RTGS PMT DOMESTIC TT RECEIVED
195 89 4130 RTGS SENT DOMESTIC TT REMITTED
195 89 9000 TRANSFER TRANSFER
195 53 1118 INT REALL LIQUIDITY MANAGEMENT INTEREST
195 53 1219 LM TRF CR LIQUIDITY MANAGEMENT TRANSFER
195 0 9999 TRANSFER HOME BANKING TRANSFER
206 * * TRANSFER
Cash Management Online Funds Transfer (SDSC)
- CR
206 89 4150 BOOK TFR TRANSFER REFERENCE
208 70 4100 OS REMIT OFFSHORE TT RECEIVED
208 70 4120 OS TT SENT OFFSHORE TT REMITTED
208 89 100 OB CR OVERSEAS BILL
208 89 2010 OS REMIT OVERSEAS REMITTANCE
208 89 4100 OS REMIT OFFSHORE TT RECEIVED
208 89 4120 OS TT SENT OFFSHORE TT REMITTED
208 89 EBDFLT EB CREDIT PEFT PAYMENT
208 89 100 TRADE OVERSEAS BILL
214 * * CREDIT BRANCH FOREIGN EXCHANGE CR
224 53 9082 GOMONY COM ANZ MOBILE BANKING COMMISSION
227 98 * PAYMENT PERMANENT ENTRY (P/P)
238 56 * DIVIDEND
Cash Management Online Direct Credit (SDMC)
– CR
238 56 * DIVIDEND DIVIDEND
238 56 155 DIVIDEND DIVIDEND
252 93 * REVERSAL REVERSAL OF DEBIT
252 93 * REVERSL CR UNIDENTIFIED CHANNEL CODE - "wildcard"
278
Public
BAI Code
Transaction
Code
AUXDOM
Transaction
Type
Description
252 93 4100 REV OS DR REV OFF SHORE TELEGRAPHIC TRANSFER RCVD
252 93 4110 REV OS DR REVR DOMESTIC TELEGRAPHIC TRANSFER RECD
252 93 4120 REV OS DR REVERSAL OF DEBIT
252 93 4130 REV RTGS REV DOMESTIC TELEGRAPHIC TFR REMITTED
252 93 4140 REV PMT FE REVERSAL OF DEBIT
252 93 4150 REV OWNTFR REVERSAL OF TRANSFER REFERENCE
252 93 102 REV COMDRN Rev Commitment Drawn Fee
252 93 103 REV COMUDR Rev Commitment Undrawn Fee
252 93 104 REV ARR LF Rev Arrangement Line Fee
252 93 13 REV REPAY REVERSAL LOAN REPAYMENT
255 * * DISHONOUR DISHONOUR INWARD APCS - CR
257 * * REVERSL CR DISHONOUR INWARD BECS CR
257 93 * REVERSL CR REVERSAL OF DEBIT
257 * * REVERSAL DISHONOUR INWARD BECS CR
257 93 * REVERSAL REVERSAL OF DEBIT
266 * * DISHONOUR ELECTRONIC DISHONOURS - DEBIT
266 * * REVERSAL DISHONOUR OUTWARD BECS DR
266 93 * REVERSAL REVERSAL OF DEBIT
275 62 * AFT PRI CR AUTOMATIC FUNDS TRANSFER
275 63 * AFT CR AUTOMATIC FUNDS TRANSFER
275 53 1219 LM SWP CR LIQUIDITY MANAGEMENT SWEEP
275 59 1219 LM SWP CR LIQUIDITY MANAGEMENT SWEEP
295 * * ANZ ATM ANZ ATM CREDIT
295 * * ANZ ATM ANZ ATM CREDIT TRANSFER
295 60 * ANZ ATM ANZ ATM CREDIT
349 96 117 TCF PRNCPL Tailored Commercial Facility PRINCIPAL
354 51 * CWTH L INT
Cash Management Online Direct Credit (SDMC)
– CR
354 57 * DEB INT
Cash Management Online Direct Credit (SDMC)
– CR
354 57 * DEB INT DEBENTURE/NOTE INTEREST
354 57 155 DEB INT DEBENTURE/NOTE INTEREST
354 96 118 TCF INT Tailored Commercial Facility INTEREST
354 97 * INT EARNED INTEREST PAID ON DEPOSITS
354 97 * INT EARNED UNIDENTIFIED CHANNEL CODE - "wildcard"
354 97 * INTEREST INTEREST PAID ON DEPOSITS
354 93 1118 INTEREST LIQUIDITY MANAGEMENT INTEREST
354 93 1123 INTEREST LIQUIDITY MANAGEMENT INTEREST
354 93 1133 INTEREST LIQUIDITY MANAGEMENT INTEREST
354 93 1165 INTEREST LIQUIDITY MANAGEMENT INTEREST
354 97 * INTEREST INTEREST
354 97 1118 INTEREST LIQUIDITY MANAGEMENT INTEREST
354 97 1133 INTEREST LIQUIDITY MANAGEMENT INTEREST
357 89 * REVERSL CR Reversal Credit
359 93 1 REV W/TAX
REVERSAL OF RES W/TAX INCR-CUR YR FROM
XXXX-XXXXX
359 93 10 W/TAX ADJ N/R W/Tax Adj Decr Cur Yr
279
Public
BAI Code
Transaction
Code
AUXDOM
Transaction
Type
Description
359 93 109 REV W/TAX REVERSAL OF RES W/TAX INCR-CUR YR
359 93 11 W/TAX ADJ Res W/Tax Adj Decr Pr Yr
359 93 110 REV W/TAX REVERSAL OF N/R W/TAX INCR CUR YR
359 93 111 REV W/TAX REVERSAL OF RES W/TAX INCR-PR YR
359 93 112 REV W/TAX REVERSAL OF N/R W/TAX INCR-PR YR
359 93 12 W/TAX ADJ N/R W/Tax Adj Decr Pr Yr
359 93 2 REV W/TAX
REVERSAL OF N/R W/TAX INCR-CUR YR
FROM XXXX-XXXXX
359 93 209 W/TAX ADJ Res W/Tax Adj Decr Cur Yr Oth
359 93 210 W/TAX ADJ N/R W/Tax Adj Decr Cur Yr Oth
359 93 211 W/TAX ADJ Res W/Tax Adj Decr Pr Yr Oth
359 93 212 W/TAX ADJ N/R W/Tax Adj Decr Pr Yr Oth
359 93 3 REV W/TAX
REVERSAL OF RES W/TAX INCR-PR YR
FROM XXXX-XXXXX
359 93 302 INT ADJ
CR INT ADJ INC-CUR YR
FROM XXXX-XXXXX
359 93 303 REVERS ADJ REVERSAL OF CR INT ADJ DEC-CUR YR
359 93 304 REVERS ADJ
REVERSAL OF CR INT ADJ DEC-CUR YR
FROM XXXX-XXXXX
359 93 305 REVERS ADJ
REVERSAL OF CR INT ADJ DEC-CUR YR
FROM XXXX-XXXXX
359 93 306 REVERS ADJ REVERSAL OF DR INT ADJ INC-CUR YR
359 93 307 REVERS ADJ
REVERSAL OF DR INT ADJ INC-CUR YR
FROM XXXX-XXXX
359 93 308 REVERS ADJ
REVERSAL OF DR INT ADJ INC-CUR YR
FROM XXXX-XXXX
359 93 309 REV W/TAX
REVERSAL OF RES W/TAX INCR-CUR YR FROM
XXXX-XXXXX
359 93 310 REV W/TAX
REVERSAL OF N/R W/TAX INCR-CUR YR
FROM XXXX-XXXXX
359 93 311 REV W/TAX
REVERSAL OF RES W/TAX INCR-PR YR
FROM XXXX-XXXXX
359 93 312 REV W/TAX
REVERSAL OF N/R W/TAX INCR-PR YR
FROM XXXX-XXXXX
359 93 314 INT ADJ
CR INT ADJ INC-PR YR
FROM XXXX-XXXXX
359 93 315 REVERS ADJ REVERSAL OF CR INT ADJ DEC-PR YR
359 93 316 REVERS ADJ
REVERSAL OF CR INT ADJ DEC-PR YR
FROM XXXX-XXXXX
359 93 317 REVERS ADJ
REVERSAL OF CR INT ADJ DEC-PR YR
FROM XXXX-XXXXX
359 93 318 REVERS ADJ REVERSAL OF DR INT ADJ INC-PR YR
359 93 319 REVERS ADJ
REVERSAL OF DR INT ADJ INC-PR YR
FROM XXXX-XXXXX
359 93 320 REVERS ADJ
REVERSAL OF DR INT ADJ INC-PR YR
FROM XXXX-XXXXX
359 93 323 INT ADJ
DR INT ADJ DEC-PR YR
FROM XXXX-XXXXX
359 93 326 INT ADJ
CR INT ADJ INC-OTH YR
FROM XXXX-XXXXX
359 93 327 REVERS ADJ REVERSAL OF CR INT ADJ DEC-OTH YR
359 93 328 REVERS ADJ
REVERSAL OF CR INT ADJ DEC-OTH YR
FROM XXXX-XXXXX
359 93 329 REVERS ADJ
REVERSAL OF CR INT ADJ DEC-OTH YR
FROM XXXX-XXXXX
359 93 330 REVERS ADJ REVERSAL OF DR INT ADJ INC-OTH YR
359 93 331 REVERS ADJ
REVERSAL OF DR INT ADJ INC-OTH YR
FROM XXXX-XXXXX
359 93 332 REVERS ADJ
REVERSAL OF DR INT ADJ INC-OTH YR
FROM XXXX-XXXXX
280
Public
BAI Code
Transaction
Code
AUXDOM
Transaction
Type
Description
359 93 335 INT ADJ
DR INT ADJ DEC-OTH YR
FROM XXXX-XXXXX
359 93 336 INT ADJ
DR INT ADJ DEC-CUR YR
FROM XXXX-XXXXX
359 93 4 REV W/TAX
REVERSAL OF N/R W/TAX INCR-PR YR
FROM XXXX-XXXXX
359 93 9 W/TAX ADJ Res W/Tax Adj Decr Cur Yr
359 97 300 INT ADJ MANUAL CR INTEREST ADJUSTMENT INC-CUR YR
359 97 301 INT ADJ
CR INT ADJ INC-CUR YR
FROM XXXX-XXXXX
359 97 309 INT ADJ MANUAL DR INTEREST ADJUSTMENT DEC-CUR YR
359 97 310 INT ADJ
DR INT ADJ DEC-CUR YR
FROM XXXX-XXXXX
359 97 312 INT ADJ MANUAL CR INTEREST ADJUSTMENT INC-PR YR
359 97 313 INT ADJ
CR INT ADJ INC-PR YR
FROM XXXX-XXXXX
359 97 321 INT ADJ MANUAL DR INTEREST ADJUSTMENT DEC-PR YR
359 97 322 INT ADJ
DR INT ADJ DEC-PR YR
FROM XXXX-XXXXX
359 97 324 INT ADJ MANUAL CR INTEREST ADJUSTMENT INC-OTH YR
359 97 325 INT ADJ
CR INT ADJ INC-OTH YR
FROM XXXX-XXXXX
359 97 333 INT ADJ MANUAL DR INTEREST ADJUSTMENT DEC-OTH YR
359 97 334 INT ADJ
DR INT ADJ DEC-OTH YR
FROM XXXX-XXXXX
359 99 1 W/TAX ADJ Res W/Tax Adj Decr Cur Yr tfrd
359 99 2 W/TAX ADJ N/R W/Tax Adj Decr Cur Yr tfrd
359 99 3 W/TAX ADJ Res W/Tax Adj Decr Pr Yr tfrd
359 99 4 W/TAX ADJ N/R W/Tax Adj Decr Pr Yr tfrd
366 * * DEPOSIT BRANCH - CASH DEPOSIT
366 53 75 CARD ENTRY CARD ENTRY AT BRANCH
366 60 * AGT AGENT NUMBER - COLLECTION ITEMS
366 70 * DEPOSIT PERSONAL DEP TO NEW SSA/CUSTOMER DEP
366 70 * CREDIT PERSONAL DEP TO NEW SSA/CUSTOMER DEP
373 53 * PAY/SALARY
Cash Management Online Direct Credit (SDMC) -
CR
398 53 9069 GOMONY RFD ANZ MOBILE BANKING TOP UP REFUND
398 53 104 ARR LNFEE Rebate Arrangement Line Fee
399 * * BAL ITEM
Cash Management Online Direct Debit (SCMD) -
CR
399 * * BPAY CR INTERNET BANKING MULTIPLE BILL PAY CREDIT
399 * * CARD ENTRY BRANCH CARDHOLDER TRANSFER CR
399 * * CHESS SETL CHESS
399 * * CREDIT CAP CREDIT
399 * * CREDIT CSL BILL PAY CREDIT
399 * * CREDIT ESANDA CREDIT
399 * * CREDIT MONEY MARKET CREDIT
399 * * CREDIT NOMINEES CREDIT
399 * * CREDIT SUPENANNUATION CREDIT
399 * * CREDIT SWIFT CREDIT
399 * * DEPOSIT DISTRIBUTION CREDIT
399 * * DEPOSIT VISION PLUS CREDIT
281
Public
BAI Code
Transaction
Code
AUXDOM
Transaction
Type
Description
399 * * EB CREDIT VIPA CREDIT
399 * * INTERNET
INTERNET BANKING MULTIPLE PAY ANYONE
CREDIT
399 * * INTNETBPAY INTERNET BANKING BILL PAY CREDIT
399 * * POS ANZ ONLINE CREDIT
399 0 9990 POS HOME BANKING
399 50 * MISC CR UNIDENTIFIED CHANNEL CODE - "wildcard"
399 50 41 DRAWDWN CR PROCEEDS OF LOAN DRAWDOWN
399 50 47 SETTLE CR SETTLEMENT
399 50 49 D/DOWN TFR TRANSFER FROM LOAN ACCOUNT
399 50 9047 REVERSAL REVERSAL OF ANZ PC BANKING
399 50 9990 POS HOME BANKING
399 50 9991 POS HOME BANKING
399 50 9993 POS HOME BANKING
399 50 9994 POS HOME BANKING
399 50 9995 POS HOME BANKING
399 50 9996 POS HOME BANKING
399 50 9997 POS HOME BANKING
399 50 9998 POS HOME BANKING
399 51 * CWTH L INT COMMONWEALTH LOAN INTEREST
399 51 * MISC CR UNIDENTIFIED CHANNEL CODE - "wildcard"
399 52 * FAM PAY
Cash Management Online Direct Credit (SDMC)
– CR
399 52 * MISC CR UNIDENTIFIED CHANNEL CODE - "wildcard"
399 53 * MISC CR UNIDENTIFIED CHANNEL CODE - "wildcard"
399 53 * POS Deposit Point of Sale (POS) Deposit
399 53 75 CARD ENTRY CARD ENTRY AT BRANCH
399 53 9067 GOMONY PAY ANZ MOBILE BANKING PAYMENT
399 53 9068 GOMONY TUP ANZ MOBILE BANKING TOP UP
399 53 9081 GOMONY PAY ANZ MOBILE BANKING PAYMENT
399 53 9083 GOMONY RFD ANZ MOBILE BANKING COMMISSION REFUND
399 53 9086 GOMONY DON ANZ MOBILE BANKING PAYMENT
399 54 * MISC CR UNIDENTIFIED CHANNEL CODE - "wildcard"
399 54 * PENSION PENSION/SUPERANNUATION
399 54 1248 PENSION PENSION/SUPERANNUATION DEPOSIT
399 54 15884 PENSION PENSION/SUPERANNUATION (FID ONLY IN TAS)
399 54 24507 PENSION PENSION/SUPER (FID EXEMPT SA, VIC & WA)
399 54 253 PENSION PENSION/SUPERANNUATION (FID ONLY IN TAS)
399 54 90181 PENSION PENSION/SUPER (FID EXEMPT SA, VIC & WA)
399 55 * MISC CR UNIDENTIFIED CHANNEL CODE - "wildcard"
399 56 * MISC CR UNIDENTIFIED CHANNEL CODE - "wildcard"
399 57 * MISC CR UNIDENTIFIED CHANNEL CODE - "wildcard"
399 58 * MISC CR UNIDENTIFIED CHANNEL CODE - "wildcard"
399 59 * MISC CR UNIDENTIFIED CHANNEL CODE - "wildcard"
399 60 * MISC CR UNIDENTIFIED CHANNEL CODE - "wildcard"
399 60 1 TERM DEP TERM DEPOSIT
282
Public
BAI Code
Transaction
Code
AUXDOM
Transaction
Type
Description
399 60 2 T/D INT TERM DEPOSIT INTEREST
399 61 * MISC CR UNIDENTIFIED CHANNEL CODE - "wildcard"
399 64 * MISC CR UNIDENTIFIED CHANNEL CODE - "wildcard"
399 65 * MISC CR UNIDENTIFIED CHANNEL CODE - "wildcard"
399 66 * MISC CR UNIDENTIFIED CHANNEL CODE - "wildcard"
399 67 * MISC CR UNIDENTIFIED CHANNEL CODE - "wildcard"
399 68 * MISC CR UNIDENTIFIED CHANNEL CODE - "wildcard"
399 69 * MISC CR UNIDENTIFIED CHANNEL CODE - "wildcard"
399 70 * MISC CR UNIDENTIFIED CHANNEL CODE - "wildcard"
399 71 * MISC CR UNIDENTIFIED CHANNEL CODE - "wildcard"
399 72 * MISC CR UNIDENTIFIED CHANNEL CODE - "wildcard"
399 73 * MISC CR UNIDENTIFIED CHANNEL CODE - "wildcard"
399 74 * MISC CR UNIDENTIFIED CHANNEL CODE - "wildcard"
399 75 * MISC CR UNIDENTIFIED CHANNEL CODE - "wildcard"
399 76 * MISC CR UNIDENTIFIED CHANNEL CODE - "wildcard"
399 77 * MISC CR UNIDENTIFIED CHANNEL CODE - "wildcard"
399 78 * MISC CR UNIDENTIFIED CHANNEL CODE - "wildcard"
399 79 * CREDIT CUSTOMER DEPOSIT
399 79 * DEPOSIT CUSTOMER DEPOSIT
399 79 * MISC CR UNIDENTIFIED CHANNEL CODE - "wildcard"
399 79 * MISC CREDI CUSTOMER DEPOSIT
399 79 91 SETTLE CR SETTLEMENT CREDIT
399 80 * MISC CR UNIDENTIFIED CHANNEL CODE - "wildcard"
399 81 * MISC CR UNIDENTIFIED CHANNEL CODE - "wildcard"
399 82 * MISC CR UNIDENTIFIED CHANNEL CODE - "wildcard"
399 83 * MISC CR UNIDENTIFIED CHANNEL CODE - "wildcard"
399 84 * MISC CR UNIDENTIFIED CHANNEL CODE - "wildcard"
399 85 * MISC CR UNIDENTIFIED CHANNEL CODE - "wildcard"
399 86 * MISC CR UNIDENTIFIED CHANNEL CODE - "wildcard"
399 87 * MISC CR UNIDENTIFIED CHANNEL CODE - "wildcard"
399 88 * MISC CR UNIDENTIFIED CHANNEL CODE - "wildcard"
399 88 * TELE TRF PROCEEDS OF TELEGRAPHIC TRANSFER
399 89 * MISC CR UNIDENTIFIED CHANNEL CODE - "wildcard"
399 89 100 OB CR OVERSEAS BILL
399 89 1500 ERROR CR CREDIT UNRECONCILED
399 89 1800 FT CR FAST TRACK
399 89 2060 ED CR EXPORT COLLECTION
399 89 2070 ED CR EXPORT COLLECTION
399 89 2080 E CR EXPORT CREDIT
399 89 2080 ED CR EXPORT CREDIT
399 89 2200 CBILL ROLL NET SETTLMNT OF COMM BILL FACILTY ROLLVR
399 89 2300 CBILL DISC PROCEEDS OF DISC OF COMM BILL
399 89 2500 NET CBILL NET SETTLMNT - ROLLOVER COMM BILL INVEST
399 89 2600 MAT CBILL MATURITY OF COMMERCIAL BILL INVESTMENT
399 89 3010 ADJ CUSDEP ADJUSTMENT TO CUSTOMER DEPOSIT
283
Public
BAI Code
Transaction
Code
AUXDOM
Transaction
Type
Description
399 89 3030 ADJ EMPDEP ADJUSTMENT TO EMPLOYER DEPOSIT
399 89 3190 SUPER GTEE SUPERANNUATION GUARANTEE CHARGE
399 89 4050 CHESS SETL CHESS SETTLEMENT
399 89 EBDFLT EB CREDIT PEFT PAYMENT
399 90 * MISC CR UNIDENTIFIED CHANNEL CODE - "wildcard"
399 91 * MISC CR UNIDENTIFIED CHANNEL CODE - "wildcard"
399 92 * MISC CR UNIDENTIFIED CHANNEL CODE - "wildcard"
399 93 1 S/D REFUND STAMP DUTY REFUND
399 94 * MISC CR UNIDENTIFIED CHANNEL CODE - "wildcard"
399 95 * MISC CR UNIDENTIFIED CHANNEL CODE - "wildcard"
399 96 * ADVISED CR CUSTOMER ADVISED CREDIT
399 96 * MISC CR UNIDENTIFIED CHANNEL CODE - "wildcard"
399 96 116 TCF FEES Tailored Commercial Facility FEES
399 98 * MISC CR UNIDENTIFIED CHANNEL CODE - "wildcard"
399 99 * CREDIT CASH/CHEQUE DEPOSIT
399 99 * DEPOSIT CASH/CHEQUE DEPOSIT
399 99 * MISC CR UNIDENTIFIED CHANNEL CODE - "wildcard"
399 99 70 TAPE CR CUSTOMER DEPOSIT
399 99 71 DISK CR CUSTOMER DEPOSIT
399 99 72 DIAL UP CR CUSTOMER DEPOSIT
399 99 74 ANZ CR CUSTOMER DEPOSIT
399 99 75 ONLINE CR CUSTOMER DEPOSIT
399 99 76 HOST CR CUSTOMER DEPOSIT
399 99 77 BUREAU CR CUSTOMER DEPOSIT
399 99 78 GROUP CR CUSTOMER DEPOSIT
399 89 20 LOAN REPAY LOAN REPAYMENT
399 89 2040 TRADE TRADE
399 89 2060 TRADE EXPORT COLLECTION
399 89 2070 TRADE EXPORT COLLECTION
399 89 2080 TRADE EXPORT CREDIT
399 96 * ADVICE CUSTOMER ADVISED CREDIT
399 * * CREDIT SUPERANNUATION CREDIT
399 * * PAYMENT
Cash Management Online Direct Credit (SCMD)
– CR
399 * * POS ANZ ONLINE DEBIT
399 * * TRANSFER
Cash Management Online Direct Debit (SCMD) -
CR
399 0 9991 POS HOME BANKING
399 0 9992 POS HOME BANKING
399 0 9993 POS HOME BANKING
399 0 9994 POS HOME BANKING
399 0 9995 POS HOME BANKING
399 0 9996 POS HOME BANKING
399 0 9997 POS HOME BANKING
399 0 9998 POS HOME BANKING
399 79 * MISC CR CUSTOMER DEPOSIT
284
Public
BAI Code
Transaction
Code
AUXDOM
Transaction
Type
Description
399 89 2200 CBILL ROLL NET SETTLMNT OF COMM BILL FACILITY ROLLVR
399 93 * MISC CR UNIDENTIFIED CHANNEL CODE - "wildcard"
399 97 * MISC CR UNIDENTIFIED CHANNEL CODE - "wildcard"
466 * * PAYMENT AP DEBIT
466 * * PAYMENT CAP BUREAU OTHER BANK (DEBIT DE)
466 * * PAYMENT NOMINEES DEBIT
466 8 * PAYMENT
CUSTOMER WITHDRAWAL (PERIODICAL
PAYMENT)
467 * * PAYMENT AP DEBIT
467 * * PAYMENT CAP BUREAU OTHER BANK (DEBIT DE)
467 * * PAYMENT NOMINEES DEBIT
467 8 * PAYMENT
CUSTOMER WITHDRAWAL (PERIODICAL
PAYMENT)
469 * * PAYMENT ANZ MTS DIRECT DEBIT
469 * * PAYMENT ANZ MTS FUNDS DEBIT
469 37 * DEBIT MISCELLANEOUS DEBIT
469 37 74 ANZ FEE MISCELLANEOUS DEBIT
469 37 75 ONLINE DR MISCELLANEOUS DEBIT
469 8 * PAYMENT
CUSTOMER WITHDRAWAL (PERIODICAL
PAYMENT)
469 8 144177 S/TDE WDL SHARE TRADER WITHDRAWAL
469 8 3764 PAYMENT MORTGAGE PROTECTION INSURANCE
469 8 79012 S/TDE WDL SHARE TRADER WITHDRAWAL
469 8 93 LEASE DUTY LEASE DUTY
469 8 94 LEASE LEASE RENTAL
475 * * CHEQUE BRANCH - CASHED CHEQUE
475 * * CHEQUE BRANCH - CASH WITHDRAWAL
475 * * CHEQUE ELECTRONIC EXCHANGES - DEBIT
475 * * DEBIT PROOF CHEQUE WITHDRAWAL
475 0 * CHEQUE DR BY CHEQUE/WARRANT
475 9 * CHEQUE CHEQUE FOR OUTSORTING
477 8 302 P PAYMENT INTRA-BANK PP
477 8 302 PAYMENT INTRA-BANK PP
495 * * BPAY
Cash Management Online Multiple Bill Pay
(SDMC) - DR
495 * * INTERNET INTERNET BANKING DEBIT MULTIPLE TRANSFER
495 * * INTERNET INTERNET BANKING PAY ANYONE DEBIT
495 * * PAYANYONE
Cash Management Online Pay anyone
(SDSC)- DR
495 * * PAYANYONE
Cash Management Online Multiple Pay anyone
(SDMC) - DR
495 * * PHONE BANK PHONE BANKING DEBIT TRANSFER
495 * * PHONE BPAY PHONE BANKING BILL PAY DEBIT
495 * * PHONE BPAY PHONE BANKING MULTIPLE BILL PAY DEBIT
495 * * TRANSFER ANZ ONLINE FUNDS TRANSFER DEBIT TRANSFER
495 * * TRANSFER
Cash Management Online Multiple Funds
Transfer - DR
495 * * TRANSFER INTERNET BANKING DEBIT TRANSFER
495 * * TRANSFER PTM-Debit
495 0 9999 TFR DEBIT HOME BANKING TRANSFER
285
Public
BAI Code
Transaction
Code
AUXDOM
Transaction
Type
Description
495 29 4110 RTGS PMT DOMESTIC TT
495 29 4130 RTGS SENT DOMESTIC TT REMITTED
495 49 4110 RTGS PMT DOMESTIC TT RECEIVED
495 49 4150 TRANSFER TRANSFER
495 8 44 TRANSFER TRANSFER
495 8 46 FHOG DR FIRST HOME OWNERS GRANT DEBIT
495 8 75 CARD ENTRY CARD ENTRY AT BRANCH
495 8 9046 PHONE BANK ANZ PHONE BANKING
495 8 9047 INTERNET ANZ PC BANKING
495 8 9048 PHONE BPAY ANZ PHONE BANKING BILL PAYMENT
495 8 9049 INTNETBPAY ANZ PC BANKING BILL PAYMENT
495 8 9050 S/TDE WDL SHARE TRADE W/DRAWAL/FUNDS TFR
495 8 9051 INTERNET IB SDMC MULTI-TRANSFER
495 8 9052 INTERNET IB SDMC PAY-ANYONE
495 8 9061 INTERNET IB SDMC BILLPAY
495 8 9062 INTER BANK ONLINE FUNDS TRANSFER
495 8 9066 GOMONY TRF ANZ MOBILE BANKING FUNDS TRANSFER
495 8 9500 TRANSFER PTM-Debit
495 8 1123 INT REALL LIQUIDITY MANAGEMENT INTEREST
495 8 1199 LM TRF DR LIQUIDITY MANAGEMENT TRANSFER
495 * * BPAY Cash Management Online Bill Pay(SDSC) DR
506 * * TRANSFER
Cash Management Online Funds Transfer
(SDSC) – DR
506 29 4150 OWN AC TFR TRANSFER
508 0 9074 INT/RTGS Cash Management Online -International/RTGS
508 29 4100 OS REMIT OFFSHORE TT RECEIVED
508 29 4120 OS TT SENT OFFSHORE TT REMITTED
508 49 4100 OS REMIT OFFSHORE TT RECEIVED
508 49 4120 OS TT SENT OFFSHORE TT REMITTED
508 8 9074 INT/RTGS Cash Management Online -International/RTGS
512 29 100 LC DR DRAWING OR CHARGE UNDER LETTER OF CREDIT
514 * * DEBIT BRANCH FOREIGN EXCHANGE DR
524 8 9082 GOMONY COM ANZ MOBILE BANKING COMMISSION
527 8 * PAYMENT PERIODIC PAYMENT
544 11 * DEP ERR DR ERROR IN DEPOSIT UNDER $2.00
544 11 * ERROR DR ERROR IN DEPOSIT UNDER $2.00
552 34 * REVERSAL REVERSAL OF CREDIT
552 34 * REVERSL DR UNIDENTIFIED CHANNEL CODE - "wildcard"
552 29 30 REV REPAY REVERSAL LOAN REPAYMENT
552 34 104 REV ARR LF Rev of Rebate Arrangement Line Fee
555 * * DISHONOUR DISHONOUR INWARD APCS - DR
555 * * DISHONOUR DISHONOUR OUTWARD APCS DR
555 * * DISHONOUR DISHONOUR OUTWARD BECS - DR
555 * * DISHONOUR ELECTRONIC DISHONOURS - CREDIT
555 * * REVERSL DR DISHONOUR INWARD BECS DR
286
Public
BAI Code
Transaction
Code
AUXDOM
Transaction
Type
Description
555 34 * REVERSAL REVERSAL OF CREDIT
555 34 * REVERSL DR REVERSAL OF CREDIT
555 43 * DISHONOUR DISHONOUR OF CHEQUE LODGED FOR CREDIT
555 43 * DISHONOUR UNIDENTIFIED CHANNEL CODE - "wildcard"
555 * * REVERSAL DISHONOUR INWARD BECS DR
575 22 * AFT PRI DR AUTOMATIC FUNDS TRANSFER
575 23 * AFT DR AUTOMATIC FUNDS TRANSFER
575 1 1199 LM SWP DR LIQUIDITY MANAGEMENT SWEEP
595 * * ANZ ATM ANZ ATM DEBIT
595 * * ANZ ATM ANZ ATM DEBIT TRANSFER
595 * * INTL ATM INTERNATIONAL ANZ ATM WITHDRAWAL
595 * * INTL ATM INTERNATIONAL NON-ANZ ATM WITHDRAWAL
595 * * INTL ATM PLUS INTERNATIONAL ANZ ATM WITHDRAWAL
595 * * NONANZ ATM NON-ANZ ATM DEBIT TRANSFER
595 * * NONANZ ATM NON-ANZ ATM WITHDRAWAL
595 8 * INTL ATM PLUS INTERNATIONAL ANZ ATM WITHDRAWAL
595 8 * Intl ATM PLUS INTERNATIONAL NON-ANZ ATM W/DRWL
595 8 9011 INTL ATM CIRRUS INTERNATIONAL ANZ ATM WITHDRAWAL
595 8 9011 INTL ATM CIRRUS INTERNATIONAL NON-ANZ ATM W/DRWL
595 8 9012 INTL ATM PLUS INTERNATIONAL ANZ ATM WITHDRAWAL
595 8 9012 INTL ATM PLUS INTERNATIONAL NON-ANZ ATM W/DRWL
654 34 1118 INTEREST LIQUIDITY MANAGEMENT INTEREST
654 34 1133 INTEREST LIQUIDITY MANAGEMENT INTEREST
654 34 1165 INTEREST LIQUIDITY MANAGEMENT INTEREST
654 46 * INTEREST INTEREST
654 46 1123 INTEREST LIQUIDITY MANAGEMENT INTEREST
654 46 1165 INTEREST LIQUIDITY MANAGEMENT INTEREST
658 49 117 TCF PRNCPL Tailored Commercial Facility PRINCIPAL
659 30 109 W/TAX ADJ Res W/Tax Adj Incr Cur Yr
659 30 110 W/TAX ADJ N/R W/Tax Adj Incr Cur Yr
659 30 111 W/TAX ADJ Res W/Tax Adj Incr Pr Yr
659 30 112 W/TAX ADJ N/R W/Tax Adj Incr Pr Yr
659 30 210 W/TAX ADJ N/R W/Tax Adj Incr Cur Yr Oth
659 30 309 W/TAX ADJ Res W/Tax Adj Incr Cur Yr Oth
659 30 310 W/TAX ADJ N/R W/Tax Adj Incr Cur Yr Oth
659 30 311 W/TAX ADJ Res W/Tax Adj Incr Pr Yr Oth
659 30 312 W/TAX ADJ N/R W/Tax Adj Incr Pr Yr Oth
659 34 1 REV W/TAX
REVERSAL OF RES W/TAX DECR-CUR YR
FROM XXXX-XXXXX
659 34 10 REV W/TAX REVERSAL OF N/R W/TAX DECR-CUR YR
659 34 11 REV W/TAX REVERSAL OF RES W/TAX DECR-PR YR
659 34 12 REV W/TAX REVERSAL OF N/R W/TAX DECR-PR YR
659 34 2 REV W/TAX
REVERSAL OF N/R W/TAX DECR-CUR YR
FROM XXXX-XXXXX
659 34 209 REV W/TAX
REVERSAL OF RES W/TAX DECR-CUR YR
FROM XXXX-XXXXX
659 34 210 REV W/TAX
REVERSAL OF N/R W/TAX DECR-CUR YR
FROM XXXX-XXXXX
287
Public
BAI Code
Transaction
Code
AUXDOM
Transaction
Type
Description
659 34 211 REV W/TAX
REVERSAL OF RES W/TAX DECR-PR YR
FROM XXXX-XXXXX
659 34 212 REV W/TAX
REVERSAL OF N/R W/TAX DECR-PR YR
FROM XXXX-XXXXX
659 34 3 REV W/TAX
REVERSAL OF RES W/TAX DECR-PR YR
FROM XXXX-XXXXX
659 34 300 REVERS ADJ REVERSAL OF CR INT ADJ INC-CUR YR
659 34 301 REVERS ADJ
REVERSAL OF CR INT ADJ INC-CUR YR
FROM XXXX-XXXXX
659 34 302 REVERS ADJ
REVERSAL OF CR INT ADJ INC-CUR YR
FROM XXXX-XXXXX
659 34 303 INT ADJ MANUAL CR INTEREST ADJUSTMENT DEC-CUR YR
659 34 304 INT ADJ
CR INT ADJ DEC-CUR YR
FROM XXXX-XXXXX
659 34 305 INT ADJ
CR INT ADJ DEC-CUR YR
FROM XXXX-XXXXX
659 34 306 INT ADJ MANUAL DR INTEREST ADJUSTMENT INC-CUR YR
659 34 307 INT ADJ
DR INT ADJ INC-CUR YR
FROM XXXX-XXXXX
659 34 308 INT ADJ
DR INT ADJ INC-CUR YR
FROM XXXX-XXXXX
659 34 309 REVERS ADJ REVERSAL OF DR INT ADJ DEC-CUR YR
659 34 310 REVERS ADJ
REVERSAL OF DR INT ADJ DEC-CUR YR
FROM XXXX-XXXX
659 34 311 REVERS ADJ
REVERSAL OF DR INT ADJ DEC-CUR YR
FROM XXXX-XXXX
659 34 312 REVERS ADJ REVERSAL OF CR INT ADJ INC-PR YR
659 34 313 REVERS ADJ
REVERSAL OF CR INT ADJ INC-PR YR
FROM XXXX-XXXXX
659 34 314 REVERS ADJ
REVERSAL OF CR INT ADJ INC-PR YR
FROM XXXX-XXXXX
659 34 315 INT ADJ MANUAL CR INTEREST ADJUSTMENT DEC-PR YR
659 34 316 INT ADJ
CR INT ADJ DEC-PR YR
FROM XXXX-XXXXX
659 34 317 INT ADJ
CR INT ADJ DEC-PR YR
FROM XXXX-XXXXX
659 34 318 INT ADJ MANUAL DR INTEREST ADJUSTMENT INC-PR YR
659 34 319 INT ADJ
DR INT ADJ INC-PR YR
FROM XXXX-XXXXX
659 34 320 INT ADJ
DR INT ADJ INC-PR YR
FROM XXXX-XXXXX
659 34 321 REVERS ADJ REVERSAL OF DR INT ADJ DEC-PR YR
659 34 322 REVERS ADJ
REVERSAL OF DR INT ADJ DEC-PR YR
FROM XXXX-XXXXX
659 34 323 REVERS ADJ
REVERSAL OF DR INT ADJ DEC-PR YR
FROM XXXX-XXXXX
659 34 324 REVERS ADJ REVERSAL OF CR INT ADJ INC-OTH YR
659 34 325 REVERS ADJ
REVERSAL OF CR INT ADJ INC-OTH YR
FROM XXXX-XXXXX
659 34 326 REVERS ADJ
REVERSAL OF CR INT ADJ INC-OTH YR
FROM XXXX-XXXXX
659 34 327 INT ADJ MANUAL CR INTEREST ADJUSTMENT DEC-OTH YR
659 34 328 INT ADJ
CR INT ADJ DEC-OTH YR
FROM XXXX-XXXXX
659 34 329 INT ADJ
CR INT ADJ DEC-OTH YR
FROM XXXX-XXXXX
659 34 330 INT ADJ MANUAL DR INTEREST ADJUSTMENT INC-OTH YR
659 34 331 INT ADJ
DR INT ADJ INC-OTH YR
FROM XXXX-XXXXX
659 34 332 INT ADJ
DR INT ADJ INC-OTH YR
FROM XXXX-XXXXX
659 34 333 REVERS ADJ REVERSAL OF DR INT ADJ DEC-OTH YR
288
Public
BAI Code
Transaction
Code
AUXDOM
Transaction
Type
Description
659 34 334 REVERS ADJ
REVERSAL OF DR INT ADJ DEC-OTH YR
FROM XXXX-XXXXX
659 34 335 REVERS ADJ
REVERSAL OF DR INT ADJ DEC-OTH YR
FROM XXXX-XXXXX
659 34 4 REV W/TAX
REVERSAL OF N/R W/TAX DECR-PR YR
FROM XXXX-XXXXX
659 34 9 REV W/TAX REVERSAL OF RES W/TAX DECR-CUR YR
659 37 1 W/TAX ADJ Res W/Tax Adj Incr Cur Yr tfrd
659 37 2 W/TAX ADJ N/R W/Tax Adj Incr Cur Yr tfrd
659 37 3 W/TAX ADJ Res W/Tax Adj Incr Pr Yr tfrd
659 37 4 W/TAX ADJ N/R W/Tax Adj Incr Pr Yr tfrd
698 * * CARD FEE PCM - FEE (new card)
698 * * CHQ BK ABOS
698 * * FEE BRANCH - FEE DEBIT
698 * * PP NON FEE AP FAILED FEE
698 29 1000 FEC CHG CHARGES ON FORWARD EXCHANGE CONTRACT
698 29 2010 OS CHARGE OVERSEAS REMITTANCE CHARGE
698 29 4060 RTGS FEE RTGS PAYMENT CHARGE
698 29 4140 PTY FEE PAYMENT PROCESSING FEE
698 30 * FEE UNIDENTIFIED CHANNEL CODE - "wildcard"
698 30 1 MISC FEE MISCELLANEOUS FEE
698 30 10 T/O SEARCH TITLES OFFICE SEARCH FEE
698 30 101 Card Fee Card Servicing Fee Transferred
698 30 11 REG FEE REGISTRATION FEE
698 30 110 TFR FEE TRANSFER OTHER BANK TRANSFER FEE
698 30 119 COMMIT FEE COMMITMENT FEE
698 30 12 STAMP DUTY STAMP DUTY
698 30 13 GUARANTEE GUARANTEE FEE
698 30 15 STATMT FEE ADDITIONAL STATEMENT FEE
698 30 16 TT FEE TELEGRAPHIC TRANSFER FEE
698 30 17 C/BILL FEE COMMERCIAL BILL FEE
698 30 18 CR DUTY FINANCIAL INSTITUTIONS DUTY
698 30 19 DEBIT TAX FEDERAL GOVERNMENT DEBITS TAX
698 30 2 CA FEE ACCOUNT KEEPING FEE
698 30 20 LIST FEE PAYMENT FROM LIST FEE
698 30 21 S CLR FEE SPECIAL CLEARANCE FEE
698 30 22 T CHQ FEE TRAVELLER'S CHEQUES FEE
698 30 22 T CHQ FEE TRAVELLERS' CHEQUES
698 30 24 ERROR DR DEBIT UNRECONCILED/ERROR IN DEPOSITS
698 30 25 BK CHQ FEE BANK CHEQUE FEE
698 30 26 OPINION BANK OPINION FEE
698 30 27 SETTLE FEE SETTLEMENT FEE
698 30 28 T/O FEE TITLES OFFICE REGISTRATION FEE
698 30 28 T/O REG REGISTRATION OF PERSONAL PROPERTY
698 30 3 ADMIN FEE LOAN ADMINISTRATION FEE
698 30 30 CLCR FEE ARRANGMNT TO CASH CHEQUES EST/RENEW FEE
698 30 31 S/D FEE GOVT STAMP DUTY ON SECURITY DOCUMENTS
289
Public
BAI Code
Transaction
Code
AUXDOM
Transaction
Type
Description
698 30 32 S/D TFR GOVT STAMP DUTY ON TRANSFER OF LAND
698 30 35 PRO/LOD PROD/LODGMNT OF SECURITY DOCS FEE
698 30 38 LE FEE C/B COMMERCIAL BILL LINE FEE
698 30 39 ANZCASH FE CASH HANDLING FEE
698 30 4 L A FEE LIMIT/LOAN APPROVAL FEE
698 30 42 EXCESS FEE OVERDRAWN ACCOUNT FEE
698 30 44 RECON FEE RECONCILLIATION FEE
698 30 45 TRANS FEE EXCESS TRANSACTIONS FEE
698 30 46 ATM FEE NON-ANZ ATM FEE
698 30 47 MAINT FEE ACCOUNT MAINTENANCE FEE
698 30 48 DEBIT FEE EXCESS DEBIT TRANSACTIONS (CMA)
698 30 49 CR FEE CREDIT FACILITY LINE
698 30 50 DEBIT DUTY FINANCIAL INSTITUTIONS DEBITS DUTY
698 30 51 EFTDD EFT DEBITS DUTY (GOVT - NT)
698 30 52 SEARCH FEE SEARCH FEE
698 30 53 RES W/TAX RESIDENT WITHHOLDING TAX
698 30 54 SLCTR FEE SOLICITOR'S FEE
698 30 56 EPT TAX ETP TAX
698 30 57 SUPER TAX SUPERANNUATION TAXES
698 30 58 AC SER FEE ACCOUNT SERVICING FEE
698 30 59 W/DRWL FEE WITHDRAWAL FEE
698 30 6 DSR FEE DISHONOUR FEE
698 30 62 LK BOX FEE LOCKED BOX FEE - PERMANENT
698 30 63 LK BOX FEE LOCKED BOX FEE - TEMPORARY
698 30 64 PKT FEE STANDARD PKT FEE - UNSEALED
698 30 65 PKT FEE SEALED PKT FEE - PERMANENT
698 30 66 PKT FEE SEALED PKT FEE - TEMPORARY
698 30 67 NGHT FEE NIGHT SAFE FEE - TEMPORARY
698 30 68 LKBOX RENT LOCKED RENTAL BOX FEE
698 30 69 NGHT FEE NIGHT SAFE FEE - PERMANENT
698 30 70 TAPE FEE BANK OFFICER INITIATED FEES
698 30 71 DISK FEE BANK OFFICER INITIATED FEES
698 30 75 ONLINE FEE BANK OFFICER INITIATED FEES
698 30 76 HOST FEE BANK OFFICER INITIATED FEES
698 30 77 BUREAU FEE BANK OFFICER INITIATED FEES
698 30 83 SUPER FEE ACCOUNT SERVICING FEE (PRO RATA)
698 30 86 CARD FEE BANK OFFICER INITIATED FEES
698 30 88 DOC PREP SECURITY DOCUMENT PREPARATION FEE
698 30 90 F/DEP FEE FAST DEPOSIT BAG FEE
698 30 90 F/DEP FEE FAST DEPOSIT BAG FEE FROM ALT ACCT
698 30 9051 IDM FEE TF SDMC FEE - INTERNET MULTI PAYMENT
698 30 9052 INT FEE SDMC FEE - INTERNET PAY ANYONE
698 30 92 DEP BK FEE DEPOSIT BOOK FEE
698 30 92 DEP BK FEE DEPOSIT BOOK FEE FROM ALT ACCT
698 30 93 OTC CH FEE OTC CASH HANDLING FEE
290
Public
BAI Code
Transaction
Code
AUXDOM
Transaction
Type
Description
698 30 93 OTC CH FEE OTC CASH HANDLING FEE FROM ALT ACCT
698 30 94 FDC FEE FAST DEP CASH HANDLING FEE FROM ALT ACCT
698 30 94 FDC FEE FAST DEPOSIT CASH HANDLING FEE
698 30 95 P/BK FEE DUPLICATE/TRIPLICATE PAY IN BOOK
698 30 96 PKGE FEE ANZ BREAKFREE PACKAGE FEE
698 30 97 BUS CH FEE ANZ BUSINESS CHOICE FEE
698 37 70 TAPE FEE MISCELLANEOUS DEBIT
698 37 71 DISK FEE MISCELLANEOUS DEBIT
698 37 77 BUREAU FEE MISCELLANEOUS DEBIT
698 42 * CHQ BOOK STAMP DUTY ON CHEQUE BOOK
698 49 116 TCF FEES Tailored Commercial Facility FEES
698 49 4060 RTGS FEE RTGS PAYMENT CHARGE
698 49 4140 PMT FEE PAYMENT PROCESSING FEE
698 8 71 L/FEE C/BI LINE FEE - COMMERCIAL BILL
698 8 77 CL CR FEE ARRANGEMENTS TO CASH CHEQUES FEE
698 8 92 PP NON FEE FAILED FUNDS FEE
698 8 92 PP NON FEE PERIODICAL PAYMENT
698 8 96 GTEE FEE GUARANTEE FEES
698 8 97 D/PKT FEE DEED BOXES/PACKETS
698 8 98 NGT SF FEE NIGHT SAFE FEE
698 30 102 COMFEE DRN Commitment Drawn Fee
698 30 103 COMFEE UDR Commitment Undrawn Fee
698 30 104 ARR LNFEE Arrangement Line Fee
698 30 44 RECON FEE RECONCILIATION FEE
699 * * BAL ITEM
Cash Management Online Direct Credit (SDMC) -
DR
699 * * CARD ENTRY BRANCH CARD DEPOSIT
699 * * CARD ENTRY BRANCH CARD WITHDRAWAL
699 * * CARD ENTRY BRANCH CARDHOLDER TRANSFER DR
699 * * CHESS SETL CHESS
699 * * DEBIT CAP DEBIT
699 * * DEBIT DISTRIBUTION DEBIT
699 * * DEBIT MONEY MARKET DEBIT
699 * * DEBIT SUPERANNUATION DEBIT
699 * * EB DEBIT SWIFT DEBIT
699 * * EB DEBIT VIPA DEBIT
699 * * INTERNET INTERNET BANKING MULTIPLE BILL PAY DEBIT
699 * * INTERNET
INTERNET BANKING MULTIPLE PAY ANYONE
DEBIT
699 * * INTL POS MAESTRO INTERNATIONAL EFTPOS W/DRWL
699 * * INTNETBPAY INTERNET BANKING BILL PAY DEBIT
699 * * PAYMENT
Cash Management Online Direct Debit (SCMD)
DR
699 * * PAYMENT PAYPLUS DEBIT
699 * * PAYMENT VISION PLUS DEBIT
699 * * POS ANZ ONLINE DEBIT
699 * * POS DR POINT OF SALE (POS) WITHDRAWAL
291
Public
BAI Code
Transaction
Code
AUXDOM
Transaction
Type
Description
699 * * POS DR POINT OF SALE MERCHANT DEBIT
699 0 8 DEBIT DEBIT REPOST
699 0 9990 POS HOME BANKING
699 0 9991 POS HOME BANKING
699 0 9992 POS HOME BANKING
699 0 9993 POS HOME BANKING
699 0 9994 POS HOME BANKING
699 0 9995 POS HOME BANKING
699 0 9996 POS HOME BANKING
699 0 9997 POS HOME BANKING
699 0 9998 POS HOME BANKING
699 1 * MISC DR UNIDENTIFIED CHANNEL CODE - "wildcard"
699 10 * MISC DR UNIDENTIFIED CHANNEL CODE - "wildcard"
699 11 * MISC DR UNIDENTIFIED CHANNEL CODE - "wildcard"
699 12 * MISC DR UNIDENTIFIED CHANNEL CODE - "wildcard"
699 13 * MISC DR UNIDENTIFIED CHANNEL CODE - "wildcard"
699 14 * MISC DR UNIDENTIFIED CHANNEL CODE - "wildcard"
699 15 * MISC DR UNIDENTIFIED CHANNEL CODE - "wildcard"
699 16 * MISC DR UNIDENTIFIED CHANNEL CODE - "wildcard"
699 17 * MISC DR UNIDENTIFIED CHANNEL CODE - "wildcard"
699 18 * MISC DR UNIDENTIFIED CHANNEL CODE - "wildcard"
699 19 * MISC DR UNIDENTIFIED CHANNEL CODE - "wildcard"
699 2 * MISC DR UNIDENTIFIED CHANNEL CODE - "wildcard"
699 20 * MISC DR UNIDENTIFIED CHANNEL CODE - "wildcard"
699 20 53 W/HOLD TAX WITHHOLDING TAX COLLECTION
699 21 * MISC DR UNIDENTIFIED CHANNEL CODE - "wildcard"
699 24 * MISC DR UNIDENTIFIED CHANNEL CODE - "wildcard"
699 25 * MISC DR UNIDENTIFIED CHANNEL CODE - "wildcard"
699 26 * MISC DR UNIDENTIFIED CHANNEL CODE - "wildcard"
699 27 * MISC DR UNIDENTIFIED CHANNEL CODE - "wildcard"
699 28 * MISC DR UNIDENTIFIED CHANNEL CODE - "wildcard"
699 29 * MISC DR UNIDENTIFIED CHANNEL CODE - "wildcard"
699 29 1900 REV INS DR REVERSAL OF TRANSFER OF INSURANCE/FEES
699 29 1950 REFUND REVERSAL OF LOAN OVERPAYMENT
699 29 1960 PRE PAY LOAN PREPAYMENT
699 29 2030 IC DR IMPORT COLLECTION
699 29 2040 ID DR IMPORT COLLECTION
699 29 2060 ED DR EXPORT COLLECTION
699 29 2070 EC CR EXPORT COLLECTION
699 29 2080 E DR EXPORT CREDIT
699 29 2200 CBILL ROLL NET SETTL. OF COMM. BILL FACILITY ROLLOV
699 29 2400 CBILL INV COMMERCIAL BILL INVESTMENT
699 29 2500 CBILL INV NET SETTLMNT - ROLLOVER COMM BILL INVEST
699 29 2700 MAT CBILL MATURITY OF COMMERCIAL BILL LOAN
699 29 3010 ADJ CDP DR ADJUSTMENT TO CUSTOMER DEPOSIT
292
Public
BAI Code
Transaction
Code
AUXDOM
Transaction
Type
Description
699 29 3030 ADJ TAX DR ADJUSTMENT TO EMPLOYER DEPOSIT
699 29 3060 DEBIT ANZSAS WITHDRAWAL
699 29 3080 DEBIT PARTIAL WITHDRAWAL
699 29 3100 ADJ STX DR SUPERANNUATION TAX ADJUSTMENT
699 29 4050 CHESS SETL CHESS SETTLEMENT
699 29 9040 LN FEE TFR RE-DIRECTED FEE FROM LOAN ACCOUNT
699 29 9042 TCF IRRM TCF IRRM PREMIUM
699 29 9050 INT TFR RE-DIRECT DR INT CHGD DEC FROM LOAN ACC
699 29 9060 DRAWDWN TRADE FINANCE LOAN - AUD
699 29 EBDFLT EB DEBIT PEFT PAYMENT
699 3 * MISC DR UNIDENTIFIED CHANNEL CODE - "wildcard"
699 31 * MISC DR UNIDENTIFIED CHANNEL CODE - "wildcard"
699 32 * MISC DR UNIDENTIFIED CHANNEL CODE - "wildcard"
699 33 * MISC DR UNIDENTIFIED CHANNEL CODE - "wildcard"
699 34 * REVERSAL REVERSAL OF CREDIT
699 34 4100 REV OS DR REV OFF SHORE TELEGRAPHIC TFR RECEIVED
699 34 4110 REV RTGS REV DOMESTIC TELEGRAPHIC TFR RECEIVED
699 34 4120 REV OS DR REV OFF SHORE TELEGRAPHIC TFR REMITTED
699 34 4130 REV RTGS REV DOMESTIC TELEGRAPHIC TFR REMITTED
699 34 4150 TRANSFER REVERSAL OF TRANSFER REFERENCE
699 34 76 REVERSAL REVERSAL OF CARD ENTRY
699 35 * MISC DR UNIDENTIFIED CHANNEL CODE - "wildcard"
699 36 * MISC DR UNIDENTIFIED CHANNEL CODE - "wildcard"
699 37 * DEBIT MISCELLANEOUS DEBIT
699 37 * MISC DEBIT MISCELLANEOUS DEBIT
699 37 * MISC DR UNIDENTIFIED CHANNEL CODE - "wildcard"
699 37 75 ONLINE DR MISCELLANEOUS DEBIT
699 38 * MISC DR UNIDENTIFIED CHANNEL CODE - "wildcard"
699 39 * MISC DR UNIDENTIFIED CHANNEL CODE - "wildcard"
699 4 * MISC DR UNIDENTIFIED CHANNEL CODE - "wildcard"
699 40 * MISC DR UNIDENTIFIED CHANNEL CODE - "wildcard"
699 41 * MISC DR UNIDENTIFIED CHANNEL CODE - "wildcard"
699 42 * MISC DR UNIDENTIFIED CHANNEL CODE - "wildcard"
699 44 * MISC DR UNIDENTIFIED CHANNEL CODE - "wildcard"
699 45 * MISC DR UNIDENTIFIED CHANNEL CODE - "wildcard"
699 46 * INT INTEREST ON OVERDRAFT/LOAN
699 46 * MISC DR UNIDENTIFIED CHANNEL CODE - "wildcard"
699 47 * MISC DR UNIDENTIFIED CHANNEL CODE - "wildcard"
699 48 * MISC DR UNIDENTIFIED CHANNEL CODE - "wildcard"
699 49 * ADVICE CUSTOMER ADVISED DEBIT
699 49 * ADVISED DR CUSTOMER ADVISED DEBIT
699 49 * MISC DR UNIDENTIFIED CHANNEL CODE - "wildcard"
699 49 118 TCF INT Tailored Commercial Facility INTEREST
699 49 4130 RTGS SENT DOMESTIC TT REMITTED
699 5 * MISC DR UNIDENTIFIED CHANNEL CODE - "wildcard"
293
Public
BAI Code
Transaction
Code
AUXDOM
Transaction
Type
Description
699 6 * MISC DR UNIDENTIFIED CHANNEL CODE - "wildcard"
699 7 * MISC DR UNIDENTIFIED CHANNEL CODE - "wildcard"
699 8 * ATM Funds Tr ANZ ATM Funds Transfer(DR)
699 8 * ATM Withdwl ANZ ATM Withdrawal
699 8 * MISC DR UNIDENTIFIED CHANNEL CODE - "wildcard"
699 8 * Non ANZATM Non-ANZ ATM Withdrawal
699 8 * Non ANZATM Non-ANZ Branch Withdrawal
699 8 * VISA Debit VISA Debit Purchase
699 8 * Withdrawal Intern Branch Withdrawal
699 8 36 BUS CARD
CUSTOMER WITHDRAWAL (PERIODICAL
PAYMENT)
699 8 37 BANK CARD
CUSTOMER WITHDRAWAL (PERIODICAL
PAYMENT)
699 8 38 VISA CARD
CUSTOMER WITHDRAWAL (PERIODICAL
PAYMENT)
699 8 39 MASTRCARD
CUSTOMER WITHDRAWAL (PERIODICAL
PAYMENT)
699 8 41 DRAWDWN DR TRANSFER TO LOAN ACCOUNT
699 8 43 TRANSFER TRANSFER TO HARVEST ACCOUNT
699 8 45 WITHDRAWAL WITHDRAWAL
699 8 47 SETTLE DR SETTLEMENT
699 8 48 TRANSFER TRANSFER TO CASH MANAGEMENT ACCOUNT
699 8 75 CARD ENTRY CARD ENTRY AT BRANCH
699 8 9067 GOMONY PAY ANZ MOBILE BANKING PAYMENT
699 8 9068 GOMONY TUP
ANZ MOBILE BANKING TOP UP SERVICE
PROVIDER
699 8 9069 GOMONY RFD
ANZ MOBILE BANKING TOP UP SERVICE
PROVIDER REFUND
699 8 9071 GOMONY PAY ANZ MOBILE BANKING PAYMENT
699 8 9078 PAYBILL Cash Management Online Pay Bill (SDSC) DR
699 8 9083 GOMONY RFD ANZ MOBILE BANKING COMMISSION REFUND
699 8 93 LEASE DUTY LEASE DUTY
699 8 94 LEASE LEASE RENTAL
699 9 * MISC DR UNIDENTIFIED CHANNEL CODE - "wildcard"
699 29 20 LOAN REPAY LOAN REPAYMENT
699 29 2040 TRADE IMPORT COLLECTION
699 29 2060 TRADE EXPORT COLLECTION
699 29 2070 TRADE EXPORT COLLECTION
699 29 2080 TRADE EXPORT CREDIT
699 * * PAYMENT
Cash Management Online Direct Credit (SDMC)
– DR
699 * * WITHDRAWAL BRANCH - CASH WITHDRAWAL
699 30 * MISC DR UNIDENTIFIED CHANNEL CODE - "wildcard"
699 34 * MISC DR UNIDENTIFIED CHANNEL CODE - "wildcard"
699 43 * MISC DR UNIDENTIFIED CHANNEL CODE - "wildcard"
Transaction code descriptions – MANTEC / MIDANZ Source
The following table describes the Transaction Codes and descriptions for MANTEC accounts, MIDANZ
accounts (local & offshore), other ANZ offshore accounts and other bank accounts.
294
Public
BAI Code
Transaction
Code
AUXDOM
Transaction Type
Description
115
LBX
N/A
LOCK BOX
LOCK BOX
171
LDP
N/A
LOAN
LOAN DEPOSIT
175
CHK
N/A
CHEQUE
CHEQUE
187
CLR
N/A
CASH
CASH
195
TRF
N/A
TX/AIR
TELEX / AIRMAIL
208
TT
N/A
INT PYMT
INTL PAYMENT
213
DCR
N/A
DOC CREDIT
DOC CREDIT
214
FEX
N/A
FX TRANS
FOREIGN EXCHANGE
224
COM
N/A
COMMISSION
COMMISSION
227
STO
N/A
S/ORDER
S/ORDER
237
COL
N/A
COLLECTION
COLLECTION
238
DIV
N/A
DIVIDEND
DIVIDEND
266
RTI
N/A
RETURNED
RETURNED
354
INT
N/A
INTEREST
INTEREST
357
VDA
N/A
VAL DATE
VAL DATE
399
*
N/A
CREDIT
CREDIT
399
100
N/A
SC CR TFR
CREDIT TRANSFER
399
103
N/A
SC CR TFR
CREDIT TRANSFER
399
200
N/A
FI TFR OA
FI TRANSFER
399
201
N/A
MFI TFR OA
MULTIPLE FI TFRS
399
202
N/A
GFI TFR
GENERAL FI TFRS
399
203
N/A
MGFI TFR
MULTIPLE FI TFRS
399
204
N/A
FMDD MSG
FI DIRECT DEBIT
399
205
N/A
FI TFR EXE
FI TRANSFER
399
300
N/A
FE CONF
FX CONFIRMATION
399
350
N/A
AOL/ DIP
ADVICE OF LOAN
399
400
N/A
AOP
ADVICE OF PAYMENT
399
BKT
N/A
BANK TRANS
BANK TRANS
399
BNK
N/A
SRI-BF
SRI-BANK FEES
399
BOE
N/A
BILL OF EX
BILL OF EX
399
BRF
N/A
BROKER FEE
BROKER FEE
399
CAR
N/A
SRI-CAR
SRI-CORP ACTIONS
399
CAS
N/A
SRI-CIL
SRI-CASH IN LIEU
399
CBP
N/A
CASH POST
CASH POST
399
CHG
N/A
CHARGES
CHARGES
399
CMI
N/A
CMI-ND
CMI-NO DETAIL
399
CMN
N/A
CMI-NP
CMI-NOTIONAL POOL
399
CMP
N/A
CC
COMPENSATION CLAIM
399
CMS
N/A
CMI-S
CMI-SWEEPING
399
CMT
N/A
CMI-T
CMI-TOPPING
399
CMZ
N/A
CMI-ZB
CMI-ZERO BAL
399
COW
N/A
OB COMM
OUTWARD BILL COMM
399
CPN
N/A
SRI-CP
SRI-COUPON PAYMENT
399
DDA
N/A
LODGE FEE
LODGEMENT FEE
295
Public
399
DDT
N/A
DDI
DIRECT DEBIT ITEM
399
DIR
N/A
DIR DEB
DIR DEB
399
DIS
N/A
SRI-GD
SRI-GAINS
399
ECK
N/A
EUROCHEQUE
EUROCHEQUE
399
EQA
N/A
EQUIVSUM
EQUIVSUM
399
EXT
N/A
SRI-ETOA
SRI-EXT TRANSFER
399
FCA
N/A
DOC CRDR W
DOC CREDIT DRAWING
399
FDL
N/A
FX DEAL
FX DEAL
399
MAR
N/A
SRI-MP/R
SRI-MARGIN PYMTS
399
MAT
N/A
SRI-M
SRI-MATURITY
399
MGT
N/A
SRI-MF
SRI-MGT FEES
399
MSC
N/A
MISC CR
MISC CR
399
MSP
N/A
MORT SUBS
MORT SUBS
399
MT
N/A
MAIL TRANS
MAIL TRANS
399
NWI
N/A
SRI-NID
SRI-NEW ISSUES
399
ODC
N/A
OC
OVERDRAFT CHARGE
399
OPT
N/A
SRI-O
SRI-OPTIONS
399
PCH
N/A
SRI-P
SRI-PURCHASE
399
POP
N/A
SRI-POP
SRI-PAIR-OFF
399
PRN
N/A
SRI-PPDU
SRI-PRINCIPAL
399
PYN
N/A
PAY IN
PAY IN
399
REC
N/A
SRI-TR
SRI-TAX RECLAIM
399
RED
N/A
SRI-RW
SRI-REDEMPTION
399
REV
N/A
REVERSAL
REVERSAL
399
RIG
N/A
SRI-R
SRI-RIGHTS
399
SAL
N/A
SRI-SALE
SRI-SALE
399
SDL
N/A
STG DEAL
STG DEAL
399
SEC
N/A
SECURITIES
SECURITIES
399
SLE
N/A
SRI-SLR
SRI-SEC LENDING
399
STP
N/A
SRI-SD
SRI-STAMP DUTY
399
SUB
N/A
SRI-SUBS
SRI-SUBSCRIPTION
399
SWP
N/A
SRI-SWAP
SRI-SWAP PAYMENT
399
TAX
N/A
SRI-WTP
SRI-WITHOLDING TAX
399
TCK
N/A
TVL CHEQUE
TVL CHEQUE
399
TCM
N/A
SRI-TCM
SRI-TRIPARTITE MGT
399
TRA
N/A
SRI-ITFOA
SRI-INTERNAL TFRS
399
TRN
N/A
SRI-TF
SRI-TRANS FEE
399
UWC
N/A
SRI-UC
SRI-UNDERWRITING
399
WAG
N/A
WAGES
WAGES
399
WAR
N/A
SRI-W
SRI-WARRANT
399
MC
N/A
LM CR
LIQUIDITY MGMT-CR
415
LBX
N/A
LOCK BOX
LOCK BOX
475
CHK
N/A
CHEQUE
CHEQUE
481
LDP
N/A
LOAN
LOAN DEPOSIT
487
CLR
N/A
CASH
CASH
487
COL
N/A
COLLECTION
COLLECTION
296
Public
495
TRF
N/A
TX/AIR
TELEX / AIRMAIL
508
TT
N/A
INT PYMT
INTL PAYMENT
513
DCR
N/A
DOC CREDIT
DOC CREDIT
514
FEX
N/A
FX TRANS
FOREIGN EXCHANGE
524
COM
N/A
COMMISSION
COMMISSION
527
STO
N/A
S/ORDER
S/ORDER
549
DIV
N/A
DIVIDEND
DIVIDEND
566
RTI
N/A
RETURNED
RETURNED
631
VDA
N/A
VAL DATE
VAL DATE
654
INT
N/A
INTEREST
INTEREST
698
BRF
N/A
BROKER FEE
BROKER FEE
698
CHG
N/A
CHARGES
CHARGES
698
DDA
N/A
LODGE FEE
LODGEMENT FEE
699
*
N/A
DEBIT
DEBIT
699
100
N/A
SC CR TFR
CREDIT TRANSFER
699
103
N/A
SC CR TFR
CREDIT TRANSFER
699
200
N/A
FI TFR OA
FI TRANSFER
699
201
N/A
MFI TFR OA
MULTIPLE FI TFRS
699
202
N/A
GFI TFR
GENERAL FI TFRS
699
203
N/A
MGFI TFR
MULTIPLE FI TFRS
699
204
N/A
FMDD MSG
FI DIRECT DEBIT
699
205
N/A
FI TFR EXE
FI TRANSFER
699
300
N/A
FE CONF
FX CONFIRMATION
699
350
N/A
AOL/ DIP
ADVICE OF LOAN
699
400
N/A
AOP
ADVICE OF PAYMENT
699
BKT
N/A
BANK TRANS
BANK TRANS
699
BNK
N/A
SRI-BF
SRI-BANK FEES
699
BOE
N/A
BILL OF EX
BILL OF EX
699
CAR
N/A
SRI-CAR
SRI-CORP ACTIONS
699
CAS
N/A
SRI-CIL
SRI-CASH IN LIEU
699
CBP
N/A
CASH POST
CASH POST
699
CMI
N/A
CMI-ND
SRI-NO DETAIL
699
CMN
N/A
CMI-NP
SRI-NOTIONAL POOL
699
CMP
N/A
CC
COMPENSATION CLAIM
699
CMS
N/A
CMI-S
CMI-SWEEPING
699
CMT
N/A
CMI-T
CMI-TOPPING
699
CMZ
N/A
CMI-ZB
CMI-ZERO BAL
699
COW
N/A
OB COMM
OUTWARD BILL COMM
699
CPN
N/A
SRI-CP
SRI-COUPON PAYMENT
699
DDT
N/A
DDI
DIRECT DEBIT ITEM
699
DIR
N/A
DIR DEB
DIR DEB
699
DIS
N/A
SRI-GD
SRI-GAINS
699
ECK
N/A
EUROCHEQUE
EUROCHEQUE
699
EQA
N/A
EQUIVSUM
EQUIVSUM
699
EXT
N/A
SRI-ETOA
SRI-EXT TRANSFER
699
FCA
N/A
DOC CRDR W
DOC CREDIT DRAWING
297
Public
699
FDL
N/A
FX DEAL
FX DEAL
699
MAR
N/A
SRI-MP/R
SRI-MARGIN PYMTS
699
MAT
N/A
SRI-M
SRI-MATURITY
699
MGT
N/A
SRI-MF
SRI-MGT FEES
699
MSC
N/A
MISC DR
MISC DR
699
MSP
N/A
MORT SUBS
MORT SUBS
699
MT
N/A
MAIL TRANS
MAIL TRANS
699
NWI
N/A
SRI-NID
SRI-NEW ISSUES
699
ODC
N/A
OC
OVERDRAFT CHARGE
699
OPT
N/A
SRI-O
SRI-OPTIONS
699
PCH
N/A
SRI-P
SRI-PURCHASE
699
PNS
N/A
PENSION
PENSION
699
POP
N/A
SRI-POP
SRI-PAIR-OFF
699
PRN
N/A
SRI-PPDU
SRI-PRINCIPAL
699
PYN
N/A
PAY IN
PAY IN
699
REC
N/A
SRI-TR
SRI-TAX RECLAIM
699
RED
N/A
SRI-RW
SRI-REDEMPTION
699
REV
N/A
REVERSAL
REVERSAL
699
RIG
N/A
SRI-R
SRI-RIGHTS
699
SAL
N/A
SRI-SALE
SRI-SALE
699
SDL
N/A
STG DEAL
STG DEAL
699
SEC
N/A
SECURITIES
SECURITIES
699
SLE
N/A
SRI-SLR
SRI-SEC LENDING
699
STP
N/A
SRI-SD
SRI-STAMP DUTY
699
SUB
N/A
SRI-SUBS
SRI-SUBSCRIPTION
699
SWP
N/A
SRI-SWAP
SRI-SWAP PAYMENT
699
TAX
N/A
SRI-WTP
SRI-WITHOLDING TAX
699
TCK
N/A
TVL CHEQUE
TVL CHEQUE
699
TCM
N/A
SRI-TCM
SRI-TRIPARTITE MGT
699
TRA
N/A
SRI-ITFOA
SRI-INTERNAL TFRS
699
TRN
N/A
SRI-TF
SRI-TRANS FEE
699
UWC
N/A
SRI-UC
SRI-UNDERWRITING
699
WAG
N/A
WAGES
WAGES
699
WAR
N/A
SRI-W
SRI-WARRANT
699
MD
N/A
LM DR
LIQUIDITY MGMT-DR
Transaction code descriptions – SYS Source
The following table describes the Transaction Codes and descriptions for New Zealand ANZ Bank
accounts.
BAI Code
Transaction
Code
AUXDOM
Transaction
Type
Description
146 50 43 EFT-POS CR EFT-POS CREDIT
169
62
5D
SCP
SAME-DAY CLEARED PAYMENT
175
149
*
ATM DEP
ATM CHEQUE DEPOSIT
187
148
*
ATM DEP
ATM CASH DEPOSIT
195 155 * OMFACC TRF OMF TRANSFER TO NOMINATED ACCOUNT
298
Public
BAI Code
Transaction
Code
AUXDOM
Transaction
Type
Description
195 170 * ATM TRF ATM TRANSFER
195 50 59 BILL PYMNT BILL PAYMENT
195 51 41 CR TRF ATM CR TRF ATM
195 83 * BILL PYMNT BILL PAYMENT
195 83 0B BILL PYMNT BILL PAYMENT
195 83 59 BILL PYMNT BILL PAYMENT
206 51 * TFR CREDIT
CASH MANAGEMENT ONLINE FUNDS
TRANSFER (SDSC) - CR
208
62
5I
INWARD IMT
INWARD INTERNATIONAL PAYMENT
214 77 * FOREXITEM FOREIGN ITEM WITH NINE DIGIT SERIAL
238 61 * DIVIDEND DIVIDEND
275 105 * TRGETBALCR TARGET BALANCE CREDIT
295 132 * ATM DEP ATM DEPOSIT
354 67 * INTEREST INTEREST
354
191
*
SO INT ADJ
ADJUSTED SETOFF NEG CREDIT INT CHG
354
270
*
INT REV
NEGATIVE CREDIT INT REVERSAL
354
271
*
TSF INT
TRANSFER NEG CREDIT INTEREST
359
190
*
SO INT RV
SETOFF NEGATIVE CREDIT INT REVERSAL
359 120 * DR INT REV DEBIT INTEREST REVERSAL
373 52 * PAY/SALARY
CASH MANAGEMENT ONLINE DIRECT CREDIT
(SDMC) - CR
398 123 * AECREVRSAL ACCOUNT EXCESS CHARGE REVERSAL
398 124 * CLRFEE REV CLEARANCE FEE REVERSAL
398 125 * AM FEE REV ACCOUNT MAINT FEE REVERSAL
398 126 * TXNFEEREV TRANSACTION FEE REVERSAL
398 127 * OMFREVRSAL OVERDRAFT MANAGEMENT FEE REVERSAL
398 130 * FEE REVERS FEE REVERSAL
398 141 * AP FEE REV AUTOMATIC PAYMENT FEE REVERSAL
398 144 * LOANFEEREV LOAN FEE REVERSAL
398 51 * CR TRF CREDIT TRANSFER
398 71 * CREDIT CREDIT
398 71 002100 SP ANS DEP SPECIAL ANSWER DEPOSIT
398 71 006500 PHOTO REV MYPHOTO FEE REVERSAL
398 80 * REV DEBIT REVERSAL OF DEBIT
398 80 000100 NON-NZDREV NON-NZD SALE FEE REVERSAL
398 80 000150 AP FEE REV AUTOMATIC PAYMENT FEE REVERSAL
398 80 000200 AM FEE REV ACCOUNT MAINT FEE REVERSAL
398 80 000250 TXNFEE REV MANUAL TRANS FEE REVERSAL
398 80 000300 TXNFEE REV AUTOMATIC TRANS FEE REVERSAL
398 80 000350 BILLFEEREV BILL PAY FEE REVERSAL
398 80 000400 DSRFEE REV DISHONOUR FEE REVERSAL
398 80 000450 OMF REV OMF REVERSAL
398 80 001000 CHQDUTRFND CHEQUE DUTY REFUND
398 80 001050 FEE REVERS FEE REVERSAL
398 80 001100 ICASH REF ICASH CARD REFUND
398 80 006900 VDBTFEEREV VISA DEBIT CARD FEE REVERSAL
299
Public
BAI Code
Transaction
Code
AUXDOM
Transaction
Type
Description
398 80 006950 REVCARDREV REPLACEMENT CARD FEE REVERSAL
398 80 007000 URGFEEREV URGENT CARD FEE REVERSAL
398 80 007101 STMTFEEREV PAPER STMT FEE REVERSAL
398 80 41 ATM REV ATM REVERSAL
398 80 43 EFT-POS RV EFT-POS REVERSAL
398 81 * UNPD REV UNPAID ITEM REV
399 103 * INTTRANSFR INTEREST TRANSFER
399 107 * DSRFEE REV DISHON FEE REV
399 108 * LOAN DDOWN LOAN DRAW DOWN
399 109 * LOANPMTREV LOAN PAYMENT REVERSAL
399 113 * TR UNCLAIM TRANSFER TO UNCLAIMED MONIES
399 115 * TD PRINCPL TERM DEPOSIT PRINCIPAL
399 116 * TDINTEREST TERM DEPOSIT INTEREST
399 117 * TD BREAK TERM DEPOSIT BREAK
399 128 * CREDIT CREDIT
399 137 * CREDIT CREDIT
399 139 * ATM DEP ATM DEPOSIT
399 143 * LOANINTREV LOAN INTEREST REVERSAL
399 146 * CREDIT CREDIT
399 147 * CREDIT CREDIT
399 152 * TRF CR INT TRANSFER CREDIT INTEREST
399 157 * AMTFEE REV AMOUNT FEE REV
399 158 * CRCHQPRNTS CREDIT TO CHEQUE PRINTERS
399 160 * OMF ADJ OMF ADJUSTMENT
399 161 * OAF REV OAF REVERSAL
399 167 * ADJ TO TAX ADJUSTMENT TO TAX
399 169 * TRF CR INT TRANSFER CREDIT INTEREST
399 171 * ATM DEP ATM DEPOSIT
399 172 * ATM SETTLE ATM SETTLEMENT
399 174 * INT ADJ INTEREST ADJUSTMENT
399 176 * WHOLDTXADJ WITHHOLDING TAX ADJUSTMENT
399 182 * SO CR INT SETOFF CREDIT INTEREST
399 185 * INT ADJ INTEREST ADJUSTMENT
399 187 * WHOLDTXADJ WITHHOLDING TAX ADJUSTMENT
399 189 * PROFIT PMT PROFIT PAYMENT
399 209 * OAFACCTRF OAF TRANSFER TO NOMINATED ACCOUNT
399 250 * CREDIT SAV CREDIT - SAVINGS
399 251 * WHOLDTXADJ WITHOLDING TAX ADJUSTMENT
399 252 * INT ADJ INTEREST ADJUSTMENT
399 253 * MISC LN CR MISC LOAN CREDIT
399 254 * MYTEL CR MYTEL CREDIT CONTRA
399 260 * DIRECT CR DIRECT CREDIT
399 50 * CREDIT CREDIT
399 50 * FUNDS CR
CASH MANAGEMENT ONLINE DIRECT DEBIT
(SCMD) - CR
300
Public
BAI Code
Transaction
Code
AUXDOM
Transaction
Type
Description
399 50 * PAYMENT
CASH MANAGEMENT ONLINE DIRECT CREDIT
(SDMC) - CR
399 50 06 DEPOSIT DEPOSIT
399 50 07 DIR CRE DIRECT CREDIT
399 50 08 DEPOSIT DEPOSIT
399 50 09 DIR CRE DIRECT CREDIT
399 50 0A DIR CRE DIRECT CREDIT
399 50 0B DIR CRE DIRECT CREDIT
399 50 0D DIR CRE DIRECT CREDIT
399 50 15 DEPOSIT DEPOSIT
399 50 17 MTSDIRENT MTS DIRECT ENTRY
399 50 27 DIR CRE DIRECT CREDIT
399 50 29 DIR CRE DIRECT CREDIT
399 50 2A DIR CRE DIRECT CREDIT
399 50 41 ATMDEPOSIT ATM DEPOSIT
399 50 55 FOREX FOREIGN EXCHANGE
399 50 60 MONEYMKT MONEY MARKET
399 50 76 KITS KITS
399 52 * SALARY SALARY
399 53 * DIRECT CR SPECIAL DIRECT CREDIT
399 54 * OFF ENTRY OFFICE ENTRY
399 55 * DIRINP TXN DIRECT INPUT TRANSACTION
399 56 * CHCK DIGIT ANALYSIS CODE WITH CHECK DIGIT
399 57 * NONCHK DIG ANALYSIS CODE NON CHECK DIGIT
399 58 * DEPOSIT MODULES 10 CHECK
399 59 * DEPOSIT MODULES 9 CHECK
399 60 * GOVTSALARY GOVT SALARY
399 60 01 NZGOVTPMNT NZ GOVT PAYMENT
399 60 06 GOVTSALARY GOVT SALARY
399 60 21 NZGOVTPMNT NZ GOVT PAYMENT
399 62 * TT TELEGRAPHIC TRANSFER
399 63 * UNAPP FNDS UNAPPLIED FUNDS
399 64 * DEPOSIT DEPOSIT WITH SERIAL NUMBER
399 65 * THIRDPTYDP 3RD PARTY DEP
399 66 * MIN OF DEF MINISTRY OF DEFENCE
399 68 * PUBLIC AC PUBLIC ACCOUNT
399 69 * PUBAC RAIL PUBLIC AC RAIL
399 70 * PUBLIC AC PUBLIC ACCOUNT
399 72 * INTGOV STK INTEREST GOVERNMENT STOCK
399 73 * CREDIT CREDIT
399 74 * CREDIT CREDIT
399 75 * DEPOSIT DEPOSIT
399 76 * CREDIT CREDIT
399 78 * CREDIT CREDIT
399 79 * CHQDTYRFND CHQ DUTY REFUND
301
Public
BAI Code
Transaction
Code
AUXDOM
Transaction
Type
Description
399 82 * STOP MTS STOPPED MTS PYMT
399 84 * CREDIT CREDIT
399 85 * CREDIT CREDIT
399 86 * CREDIT CREDIT
399 87 * CREDIT CREDIT
399 88 * CREDIT CREDIT
399 89 * CREDIT CREDIT
399 90 * CREDIT CREDIT
399 91 * CREDIT CREDIT
399 92 * CREDIT CREDIT
399 93 * TRST MGMT TRUST MGMT
399 94 * CREDIT CREDIT
399 95 * CREDIT CREDIT
399 96 * RPAT TO RB REPATRIATION TO RESERVE BANK
399 97 * CREDIT CREDIT
399 98 * CREDIT CREDIT
399 99 * CREDIT CREDIT
475 00 15 CHQ WITHDL CHEQUE WITHDRAWAL
475 03 * COUNTERCHQ COUNTER CHEQUE
475 08 * CHEQUE MODULES 10 CHECK ON SERIAL
475 09 * CHEQUE MODULES 9 CHECK ON SERIAL
475 18 * TRAVRS CHQ TRAVELLERS CHQS
475 35 * CHQ WITHDL CHEQUE WITHDRAWAL
481 110 * LOAN PMT LOAN PAYMENT
495 114 * TR UNCLAIM TRANSFER TO UNCLAIMED MONIES
495 118 * TRNS TO TD TRANSFER TO TERM DEPOSIT
495 33 * BILL PYMNT BILL PAYMENT
495 33 0B BILL PYMNT BILL PAYMENT
495 36 * DEBIT TRF DEBIT TRANSFER
506 36 * TFR DEBIT
CASH MANAGEMENT ONLINE FUNDS
TRANSFER (SDSC) - DR
508 00 * INT/RTGS
CASH MANAGEMENT ONLINE -
INTERNATIONAL/RTGS
508 27 * INT/RTGS
CASH MANAGEMENT ONLINE -
INTERNATIONAL/RTGS
514 00 55 FOREX FOREIGN EXCHANGE
527 15 * AUTO PYMNT AUTOMATIC PAYMENT
527 15 06 AUTO PYMNT AUTOMATIC PAYMENT
575 100 * TRGETBALDR TARGET BAL DR
654
00
*
NEG CR INT
NEGATIVE CREDIT INTEREST CHARGE
654
220
*
TSF INT
TRANSFER NEG CREDIT INTEREST
654
221
*
INT ADJ
ADJUSTED NEGATIVE CREDIT INT CHARGE
659 175 * INT ADJ INTEREST ADJUSTMENT
659
189
*
NEG CR INT
SETOFF NEGATIVE CREDIT INT CHARGE
698 01 * UNPD ITEM UNPAID ITEM
698 02 * CLCR FEE CLEARANCE FEE
698 101 * GEN FEE GENERATED FEE
302
Public
BAI Code
Transaction
Code
AUXDOM
Transaction
Type
Description
698 101 AF MNTHLY FEE MONTHLY ACCOUNT FEE
698 101 AM MNTHLY FEE MONTHLY ACCOUNT AND TRANSACTION FEE
698 101 AP AP GEN FEE AUTOMATIC PAYMENT GENERATION FEE
698 101 AS ACCSER FEE ACCOUNT SERVICE FEE
698 101 LV LOWWD CHRG LOW WITHDRAWAL CHARGE
698 101 OA OD APP FEE OVERDRAFT APPLICATION FEE
698 101 OM OM FEE OVERDRAFT MANAGEMENT FEE
698 101 OX UO FEE UNARRANGED OVERDRAFT FEE
698 101 TA AUTOTXNFEE AUTOMATED TRANSACTION FEE
698 101 TM MANTXNFEE MANUAL TRANSACTION FEE
698 101 TN TXN FEE TRANSACTION FEE
698 104 * STPPMT FEE STOP PYMT FEE
698 106 * DISHNR FEE DISHONOUR FEE
698 13 * BNK CHRG BANK CHARGE
698 13 * BNKCHG BANK CHARGES
698 13 000100 AUDRPTFEE AUD CONF REPORT
698 13 000130 BILLPMTPEN BILL PMT PENALTY
698 13 000200 B CHQ FEE BCHQ FEE
698 13 000250 CERTINTFEE CERT OF INT FEE
698 13 000260 CRTWTAXFEE CERT WTAX FEE
698 13 000270 CERTINCHGD CERT IN CHRGED FEE
698 13 000300 CR TRF FEE CREDIT TRF FEE
698 13 000350 ACPT END ACCEPT END FEE
698 13 000400 COMAMENDLC COMM AMEND LC FEE
698 13 000450 COINHNDFEE COIN HANDLING FEE
698 13 000500 DISHNR FEE DISHONOUR FEE
698 13 000600 DOCHDL FEE DOC HANDLING FEE
698 13 000700 D STMT FEE DUP STMT FEE
698 13 000750 CASHHNDFEE CASH HANDLING FEE
698 13 000751 FEC FEE FOREX CNTRCT FEE
698 13 000800 ONEOFF FEE ONE-OFF PYMT FEE
698 13 000900 LC ADV COM LC ADVISE COMM
698 13 001000 LC COMM LC COMMISSION
698 13 001001 LC EST FEE LC EST FEE
698 13 001100 LINE FEE LINE FEE
698 13 001200 LOAN FEE LOAN FEE
698 13 001300 LN HLD FEE LOAN HOLDING FEE
698 13 001450 ORDERS FEE ORDERS FEE
698 13 001500 CHQBK FEE OVERPRINT CHQBK
698 13 001700 OS TXN COM OSEAS TXN COMM
698 13 002000 SCINSP FEE SECURITY INSPECTION FEE
698 13 002050 SCRIP FEE SCRIPT FEE
698 13 002100 SP ANS FEE SPECIAL ANSWER FEE
698 13 002200 ST CPY FEE STMT COPY FEE
698 13 002250 PD CHQ FEE SURRENDER PAID CHQ FEE
303
Public
BAI Code
Transaction
Code
AUXDOM
Transaction
Type
Description
698 13 002350 TRFFND FEE TRF OF FUNDS FEE
698 13 002400 TVL BK FEE TRAVEL BOOKINGS
698 13 002500 TVLCHQ COM TRAVELLERS CHQS COMM
698 13 002600 VR SCH FEE VOUCHER SEARCH
698 13 002700 LTDCO SRCH LTD CO SEARCH FEE
698 13 002750 CT TLE FEE CERT OF TITLE FEE
698 13 003200 STPPMT FEE STOP PAYMENT FEE
698 13 003300 CERTBALFEE CERT OF BAL FEE
698 13 003400 EXESECDOC EXECUTION OF SEC DOCS
698 13 003500 PRDSECDOC PRODUCTION OF SEC DOCS
698 13 004000 CERTMRGINT CERT MRTGAGE INT
698 13 005200 CASHSRVFEE CASH SERVICE FEE
698 13 005400 INVEST FEE INVESTMENT FEE
698 13 005500 PVT BK FEE PRIVATE BANKING
698 13 005600 MONTRG FEE MONITORING FEE
698 13 005700 TTONE FEE TOUCH TONE FEE
698 13 005800 SDCP FEE SAME DAY CL PMT FEE
698 13 005900 W DRWL FEE WITHDRAWAL FEE
698 13 006100 OL REG FEE ONLINE BANK REG FEE
698 13 006200 OL MTH FEE ONLINE BANK MTH FEE
698 13 006210 OL CDE FEE ONLINE CODE FEE
698 13 006250 SHOEBOX AC SHOEBOX ACCOUNTS
698 13 006300 DSCHDOCFEE DISCHARGE SECURITY DOC FEE
698 13 006400 MRCHSVCCHG MERCHANT SVC CHG
698 13 006450 REP FEE REPRESENT FEE
698 13 006500 PHOTO FEE MYPHOTO FEE
698 13 006550 FEE REVERS NON-NZD SALE FEE REVERSAL
698 13 006600 TXTREQ FEE TXT-REQUEST FEE
698 13 006650 MNTHLY FEE MONTHLY BANKING FEE
698 13 006700 ALRTLD FEE ALERT LOAD FEE
698 13 006750 ALTAMD FEE ALERT AMEND FEE
698 13 006800 ALTSRV FEE ALERT SERV FEE
698 13 006850 ICSHPURFEE ICASH CARD PURCH
698 13 006900 VDBT FEE VISA DEBIT CARD FEE
698 13 006950 REPCRD FEE REPLACEMENT CARD FEE
698 13 007000 URGCRD FEE URGENT CARD FEE
698 13 007100 STMT FEE PAPER STMT FEE
698 140 * AP GEN FEE AUTOMATIC PAYMENT GENERATION FEE
698 140 003600 AP LD FEE AUTOMATIC PAYMENT LOAD AND AMEND FEE
698 140 003610 AP GEN FEE AUTOMATIC PAYMENT GENERATION FEE
698 162 * MTH AC FEE MONTHLY ACCOUNT FEE
698 162 001616 AC TXN FEE MONTHLY ACCOUNT AND TRANSACTION FEE
698 162 001635 ACC FEE ACCOUNT FEES AT CLOSURE
698 162 001670 BILLPMTFEE BILL PAYMENT LOAD FEEE
698 162 001675 BILLPMTMT BILL PAYMENT MAINTENANCE FEE
304
Public
BAI Code
Transaction
Code
AUXDOM
Transaction
Type
Description
698 163 * TXN FEE TRANSACTION FEE
698 163 001641 CHQTXNFEE CHEQUE TRANSACTION FEE
698 164 * OD APP FEE OVERDRAFT APPLICATION FEE
698 165 * OD MGT FEE OVERDRAFT MANAGEMENT FEE
698 165 002401 OMF FEEJAN OVERDRAFT MANAGEMENT FEE -JANUARY
698 165 002402 OMF FEEFEB OVERDRAFT MANAGEMENT FEE-FEBRUARY
698 165 002403 OMF FEEMAR OVERDRAFT MANAGEMENT FEE-MARCH
698 165 002404 OMF FEEAPR OVERDRAFT MANAGEMENT FEE-APRIL
698 165 002405 OMF FEEMAY OVERDRAFT MANAGEMENT FEE-MAY
698 165 002406 OMF FEEJUN OVERDRAFT MANAGEMENT FEE-JUNE
698 165 002407 OMF FEEJUL OVERDRAFT MANAGEMENT FEE-JULY
698 165 002408 OMF FEEAUG OVERDRAFT MANAGEMENT FEE-AUGUST
698 165 002409 OMF FEESEP OVERDRAFT MANAGEMENT FEE-SEPTEMBER
698 165 002410 OMF FEEOCT OVERDRAFT MANAGEMENT FEE-OCTOBER
698 165 002411 OMF FEENOV OVERDRAFT MANAGEMENT FEE-NOVEMBER
698 165 002412 OMF FEEDEC OVERDRAFT MANAGEMENT FEE-DECEMBER
698 165 002413 UO FEE UNARRANGED OVERDRAFT FEE
698 178 * SO OMFFEES SETOFF OMF FEES
698 179 * SO OAFFEES SETOFF OAF FEES
698 204 * OBKATM FEE OTHER BANK ATM FEE
698 205 * OS ATM FEE OVERSEAS ATM FEE
698 206 * MISC LN DR MISC LOAN DEBIT
698 207 * MYTEL DR MYTEL DEBIT CONTRA
698 208 * OAFACCTRF OAF TRANSFER FROM NOMINATED ACCOUNT
698 21 * DATABNKCHG DATABANK CHARGE
698 210 * ONEOFF PMT ONE-OFF PAYMENT
698 211 * ONLINE DC ONLINE DC
698 22 * BNKCHG GST BANK CHGS (INC GST)
698 22 000100 BUSPLS CHG BUSINESS PLUS CHARGE (INC GST)
698 22 000200 BUSFCS CHG BUSINESS FOCUS CHARGE (INC GST)
698 22 000300 STRTUP CHG START UP CHARGE (INC GST)
698 22 000400 BUSPLS CHG BUSINESS PLUS CHARGE (INC GST)
698 22 000500 BUSFCS CHG BUSINESS FOCUS CHARGE (INC GST)
698 22 000800 GUARANTEE INDEMNITY GUARANTEE FEE (INC GST)
698 22 001400 OPTION FEE OPTION FEE (INC GST)
698 22 001850 SAFCUS FEE SAFE CUSTODY FEE (INC GST)
698 26 * BNK CHRG BANK CHARGE
698 26 000150 ATMWTHDRWL ATM WITHDRAWAL
698 26 001561 CSHPNT FEE CASHPOINT CARD WITHDRAWAL
698 26 001562 CSHPNT FC CASHPOINT FAST CASH
698 26 001563 CSHPNT TNF CASHPOINT TRANSFER
698 26 001564 CSHPNT DEP CASH POINT DEP
698 26 001600 OS BK CHG OSEAS BK CHGS
698 26 001800 POSTAGE POSTAGE
698 26 002650 W HOLD TAX WHOLDING TAX
305
Public
BAI Code
Transaction
Code
AUXDOM
Transaction
Type
Description
698 26 002800 REG FEE REG FEES - RELEASE MTGE/CHATTEL SECS
698 26 002900 STAMP DUTY STAMP DUTY
698 26 003000 CHRG BACK CHARGE BACK
698 26 003100 CR CRD ADJ SUNDRY CREDIT CARD ADJ
698 26 003700 BCARD CHRG BCARD CHARGES
698 26 003800 BCDCHG ADJ BCARD CHG ADJ
698 26 003900 MTSERR FEE MTS ERROR FEE
698 26 004100 NONRES WT NON RESIDENT WITHHOLDING TAX
698 26 004200 NONRES LEV NON RESIDENT LEVY
698 26 006400 IWSREN FEE IWS RENEWAL FEE
698 49 * EDS CHARGE EDS (CICS) CHG
699 00 * DEBIT DEBIT
699 00 * FUNDS DR
CASH MANAGEMENT ONLINE DIRECT CREDIT
(SDMC) - DR
699 00 * PAYMENT
CASH MANAGEMENT ONLINE DIRECT DEBIT
(SCMD) DR
699 00 01 DEBIT DEBIT
699 00 06 DEBIT DEBIT
699 00 07 DEBIT DEBIT
699 00 0A DIRECT DR DIRECT DEBIT
699 00 0B DIRECT DR DIRECT DEBIT
699 00 0C DIRECT DR DIRECT DEBIT
699 00 0D DIRECT DR DIRECT DEBIT
699 00 2A ONEOFF PMT ON LINE ONE-OFF PAYMENT
699 00 41 ATM DEBIT ATM DEBIT
699 00 43 EFT-POS EFT-POS
699 04 * OFF ENTRY OFFICE ENTRY
699 05 * DEBIT DEBIT
699 06 * CHCK DIGIT ANALYSIS CODE WITH CHECK DIGIT
699 07 * NONCHK DIG ANALYSIS CODE NON CHECK DIGIT
699 10 * DEBIT DEBIT
699 102 * DR INT TRF DEBIT INTEREST TRANSFER
699 11 * GVTCHQ DUT GOVT CHEQUE DUTY
699 111 * LOAN INT LOAN INTEREST
699 112 * LOAN FEE LOAN FEE
699 119 * PMTPRTCOST PAYMENT FOR PRINT COSTS
699 12 * BILL DRFT BILL DRAFT
699 121 * DR INT DEBIT INTEREST
699 122 * AC EX CHG ACCOUNT EXCESS CHARGE
699 129 * DEBIT DEBIT
699 131 * ATM DEBIT ATM DEBIT
699 133 * TELLERDR TELLER DEBIT
699 134 * TELLERDR TELLER DEBIT
699 135 * DEBIT DEBIT
699 136 * DEBIT DEBIT
699 138 * ATM DEBIT ATM DEBIT
306
Public
BAI Code
Transaction
Code
AUXDOM
Transaction
Type
Description
699 138 02 EFT-POS EFT-POS
699 138 41 ATM DEBIT ATM DEBIT
699 14 * INSURANCE INSURANCE
699 142 * LNDRWNREV LOAN DRAWDOWN REVERSAL
699 145 * DEBIT DEBIT
699 15 2A ONLINE DC ONLINE DIRECT CREDIT
699 150 * DEBIT DEBIT
699 151 * TRF CR INT TRANSFER CREDIT INTEREST
699 153 * INWDIS REV INWARD DISHONOUR REVERSAL
699 154 * OMFACC TRF OMF TRANSFER TO NOMINATED ACCOUNT
699 156 * AMFNOMACT AMF TRANSFER TO NOMINATED ACCOUNT
699 159 * OMF ADJ OMF ADJUSTMENT
699 16 * DEBIT DEBIT
699 166 * ADJ TO TAX ADJUSTMENT TO TAX
699 168 * CR TRANSFR CREDIT TRANSFER
699 17 * DEBIT DEBIT
699 173 * ATM SETTLE ATM SETTLEMENT
699 177 * WHOLDTXADJ WITHHOLDING TAX ADJUSTMENT
699 180 * SO AC TXN
SETOFF MONTHLY ACCOUNT AND
TRANSACTION FEE
699 181 * SO OD INT SETOFF OVERDRAFT INTEREST
699 183 * SOTAXWHELD SETOFF TAX WITHHELD
699 188 * WHOLDTXADJ WITHHOLDING TAX ADJUSTMENT
699 19 * DEBIT DEBIT
699 190 * TAXONPRFIT TAX ON PROFIT
699 192 * TAXONBALOT TAX ON CASH BALLOT PAYMENT
699 193 * FORFEITURE FORFEITURE
699 20 * DEBIT DEBIT
699 200 * DEBIT SAV DEBIT - SAVINGS
699 201 * WHOLDTXADJ WITHHOLDING TAX ADJUSTMENT
699 202 * OFF ENTRY OFFICE ENTRY
699 202 LC BLKNGTXNCR BULKING TXN CR
699 202 LD BLKNGTXNDR BULKING TXN DR
699 203 * TRF CR INT TRANSFER CREDIT INTEREST
699 23 * TELCAB CST TELEPHONE/CABLE COST
699 24 * DEBIT DEBIT
699 25 * DEP ERROR DEPOSIT CORRECTION
699 27 * FOREXITEM FOREIGN ITEM WITH NINE DIGIT S/N
699 28 * DEBIT DEBIT
699 29 * DEBIT DEBIT
699 30 * REVERSALCR REVERSAL OF CR
699 31 * UNPD REV UNPAID ITEM REV
699 32 * STPMTS PMT STOPPED MTS PYMT
699 34 * DEBIT DEBIT
699 37 * DEBIT DEBIT
307
Public
BAI Code
Transaction
Code
AUXDOM
Transaction
Type
Description
699 38 * EXCHQDEPBK
KEY FORM EXEMPT CHEQUE AND DEPOSIT
BOOK
699 39 * DEBIT DEBIT
699 40 * DEBIT DEBIT
699 41 * DEBIT DEBIT
699 42 * DEBIT DEBIT
699 43 * TRUST MGMT TRUST MGMT
699 44 * DEBIT DEBIT
699 45 * DEBIT DEBIT
699 46 * RPAT TO RB REPATRIATION TO RESERVE BANK
699 47 * DEBIT DEBIT
699 48 * DEBIT DEBIT
699 606 * AUTOTF DDA AUTO TRANSFER DDA
699 707 * AUTODDABCR AUTO LN DDA CREDIT
699 808 * AUTOLN DR AUTO LN LN DEBIT
699
909
*
AUTPAY DR
AUTPAY DDA DEBIT
Transaction code descriptions –XBK Source
The following table describes the Transaction Codes and descriptions for New Zealand Cross Bank
accounts (Westpac & Bank of New Zealand) accounts.
BAI Code
Transaction
Code
AUXDOM
Transaction
Type
Description
195 51 * TFR CREDIT CREDIT TRANSFER
195 83 * BILL PYMNT BILL PAYMENT
238 61 * DIVIDEND DIVIDEND
399 50 * CREDIT CREDIT
399 52 * SALARY SALARY
399 53 * SPECIAL DC SPECIAL DIRECT CREDIT
399 54 * OFF ENTRY OFFICE ENTRY
399 55 * DIRECT TXN DIRECT INPUT TRANSACTION
399 56 * ANL CDE CR ANALYSIS CODE CREDIT
399 57 * ANL CDE CR ANALYSIS CODE CREDIT
399 58 * CHEQUE MODULUS 10 CHEQUE SERIAL NUMBER
399 59 * CHEQUE MODULUS 9 CHEQUE SERIAL NUMBER
399 60 * GOVTSALARY GOVERNMENT SALARIES
399 62 * TT TELEGRAPHIC TRANSFERS
399 63 * UNAPP FNDS UNAPPLIED FUNDS
399 64 * DEPOSIT DEPOSITS WITH SERIAL NUMBER
399 65 * THIRDPARTY THIRD PARTY DEPOSITS
399 66 * MIN OF DEF PLUS INTERNATIONAL NON-ANZ ATM W/DRWL
399 67 * CR INT CREDIT INTEREST
399 68 * PUBLIC AC PUBLIC ACCOUNT
399 69 * PUBLIC AC PUBLIC ACCOUNT RAILWAY
399 70 * PUBLIC AC PUBLIC ACCOUNT
399 72 * INTGOV STK INTEREST GOVERNMENT STOCK
308
Public
BAI Code
Transaction
Code
AUXDOM
Transaction
Type
Description
399 75 * BKADJ MICR BANK ADJUSTMENT MICR DEPOSIT
399 77 * FX ITEM FOREIGN ITEM WITH 9 DIGIT SERIAL NUMBER
399 79 * CHQDUTRFND CHEQUE DUTY REFUND
399 80 * CR(REV DR) CREDIT (REVERSED DEBIT)
399 81 * REVERSAL UNPAID ITEM REVERSAL
399 82 * STOPMTS STOPPED MTS PAYMENT
399 93 * CR TRUST CREDIT TRUST MANAGEMENT
399 96 * REP RESBNK REPATRIATION TO RESERVE BANK
475 3 * COUNT CHQ COUNTER CHEQUE
475 8 * CHEQUE MODULUS 10 CHEQUE SERIAL NUMBER
475 9 * CHEQUE MODULUS 9 CHEQUE SERIAL NUMBER
495 33 * BILL PYMNT BILL PAYMENT
495 36 * TFR DEBIT DEBIT TRANSFER
527 15 * AUTO PAY AUTOMATIC PAYMENT
698 13 * BNK CHRG BANK CHARGES
698 16 * ACC MNTFEE ACCOUNT MAINTENANCE FEE
698 19 * OD APP FEE OVERDRAFT APPLICATION FEE
698 2 * CLEAR FEE CLEARANCE FEE
698 20 * AC TXN FEE ACCOUNT TRANSACTION FEE
698 24 * OD MGT FEE OVERDRAFT MANAGEMENT FEE
699 0 * DEBIT DEBIT
699 1 * UNPD ITEM UNPAID ITEM
699 11 * GOVCHQ DTY GOVERNMENT CHEQUE DUTY
699 12 * BILL DRAFT BILL/DRAFT
699 14 * INSURANCE INSURANCE
699 17 * DEBIT INT DEBIT INTEREST
699 22 * BNKCHG GST BANK CHARGES - GST INCLUSIVE
699 23 * TEL CABLE TELEPHONE/CABLE COST
699 25 * BKADJ MICR BANK ADJUSTMENT MICR DEPOSIT
699 26 * CHARGES
CHARGES (NON FEES) WITH STATEMENT
DESCRIPTION
699 27 * FX ITEM FOREIGN ITEM WITH 9 DIGIT SERIAL NUMBER
699 30 * DR(REV CR) DEBIT (REVERSED CREDIT)
699 32 * STOPMTSREV STOPPED MTS PAYMENT REVERSAL
699 35 * REPRES CHQ REPRESENTED CHEQUE
699 38 * EXEMPT KEY FROM EXEMPT CHEQUE OR DEPOSIT BOOK
699 4 * OFF ENTRY OFFICE ENTRY
699 43 * DEBITTRUST DEBIT TRUST MANAGEMENT
699 46 * REP RESBNK REPATRIATION TO RESERVE BANK
699 6 * ANL CDE DR ANALYSIS CODE DEBIT
699 7 * ANL CDE DR ANALYSIS CODE DEBIT
23 APPENDIX C - USE OF AUXDOM/TRANCODE
This section offers advice on the use of Trancode/Auxdom in recognising transactions.
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Care should be exercised in using these codes as there are many ambiguities. These codes exist for a
number of internal bank and interbank processing system uses rather than as a customer reporting
tool, however they are reasonably indicative.
The things to be careful of are as follows:
1. The Trancode has 3 digits but only the last 2 are significant to define the transaction, the
leading digit is mostly 0 but can be 9 or any other number that reflects the way it was
processed.
2. TC 0-49 are debits and 50-99 are credits. This is the only absolutely consistent rule. Some
transactions have ranges of Auxdoms rather than one specific Auxdom per TC. TC 00
(Cheque) the Auxdom is the cheque number.
TC 60, 70, 80 the Auxdom is the number of collection items deposited.
TC 8, 50-56 where the transaction came via Direct Entry the Auxdom is the DE User ID of the
submitter.
3. New transaction codes and Auxdoms are occasionally added or discontinued without notice
and a way of handling these exceptions must be accommodated.
4. Some Trancodes are ambiguous, in which case the underlying transaction is distinguished by
other processing data not in the TC/Auxdom. In particular TC 00 applies to Cheques or OnLine
Transfer (debit) or EDI debit.
5. Similarly TC50 or 70 can also apply to OnLine TRF, EDI Credit as well as the Direct Entry
“Transfer” (TC50) and Agent Deposit (TC 70).
6. TC 70 also has a specific TC/Auxdom combination indicating certain Point of sale credits. The
way these exceptions are recognised is by triggering characters in the Traceline and
exauxdom. If Bytes 9-10 is CX then the transaction originated from Direct Entry and that
Trancode rule applies. If the second last byte of the exauxdom is H then the transaction will
be OnLine TRF or EDI: EDI where the last character of the exauxdom is 8; TRF where the last
character is 9.
7. Manual entries can have any Trancode but are usually 00 (debit) or 99 (credit). A manual
entry will not consistently obey any code rules. The entering officer keys in the appropriate
statement narrative and this is what appears on the statement whatever codes are used.
Alternatively the Tran Type has these anomalies removed and should be considered as a key to
indicate the transaction type for automatic reconciliation.
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24 APPENDIX D - IMPROVED STATEMENT NARRATIVE
This section describes the enhanced narrative for returned items.
This is available to customers that have returned items linked and are not a BULK user.
24.1 Statement Narrative Rules for Returned Cheques
Corporate & Institutional customers: The statement narrative is constructed using the fields, in
the order listed below:
Location Field Rule Example Size Position
BTR
database
COMPLETE_NA
RATIVE
Retain the first 9 characters and insert a
space
“DISHONOUR ” 10 1 - 10
Returned
Items
database
Drawer’s
Account
Number
Append the Drawer’s Account Number and
insert a space to the COMPLETE_NARATIVE
field.
The Drawers Account Number is
constructed of BSB Number and the last 9
digits of the Account Number.
Place a hyphen between the 3rd and 4th
character of the BSB, and a space between
the BSB and the Account Number.
123-456
789098784
18 11 - 28
Returned
Items
database
Cheque
Number
Append the Cheque Number and insert a
space to the COMPLETE_NARATIVE field.
Remove the first digit of the Cheque
number. Determine if the Cheque Number
is 6 or 9 digits and use that number.
123456789 10 29 – 38
Returned
Items
database
Drawer’s
Name
Append the Drawer’s Name to the
COMPLETE_NARATIVE field.
Alice Maryland 60 39 – 98
Returned
Items
database
Deposit Serial
Number
Append the Deposit Serial Number (Agent
Number) to the COMPLETE_NARATIVE
field.
Use the right most 10 bytes of the Deposit
Serial Number
4567890123 10 99 – 108
Returned
Items
database
Return Reason
Code
Append the Return Reason Code and insert
a space to the COMPLETE_NARATIVE field.
“932 ” 4 109 –
112
Returned
Items
database
Return Reason
Text
Append the Return Reason Text to the
COMPLETE_NARATIVE field.
If the length of the COMPLETE_NARATIVE
field > 160 characters, then truncate the
Return Reason Text in order for the
COMPLETE_NARATIVE field to equal 160
characters
Refer to Drawer
[Insufficient
Funds]
48 113 -
160
Example “DISHONOUR 123-456 789098784 123456789 Alice Marland4567890123932 Refer
to Drawer [Insufficient Funds]”
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Statement Narrative Rules for Returned Direct Entry Debits and Credits
The statement narrative is constructed of the fields, in the order listed in the table below.
Location Field Rule Example Size Postion
BTR database COMPLETE_NA
RATIVE
Retain the first 8 characters and insert a
space.
“REVERSAL ” 9 1 - 9
Returned
Items
database
Target Account
Number
Append the Target Account Number to
the COMPLETE_NARATIVE field and
insert a space.
Target Account Number is constructed of
Target BSB Number and the last 9 digits
of the Target Account Number.
Place a hyphen between the 3rd and 4th
character of the BSB, and a space
between the BSB and the Account
Number.
123-456
789098784
18 10 - 27
Returned
Items
database
Target Account
Name
Append the Target Account Name to the
COMPLETE_NARATIVE field and insert a
space.
“Alice Maryland “ 33 28 – 60
Returned
Items
database
User Id Append the User Id to the
COMPLETE_NARATIVE field and insert a
space.
Use the last 6 characters of the User ID
If 000401032,
then
“401032 “
7 61-67
Returned
Items
database
Lodgement
Date
Append the Lodgement Date to the
COMPLETE_NARATIVE field and insert a
space.
Format is defined as YYYY/MM/DD
“2005/08/05 “ 11 68 – 78
Returned
Items
database
Lodgement
Reference
Append the Lodgement Reference to the
COMPLETE_NARATIVE field and insert a
space.
“XYZ
1234567553543
“
19 79 – 97
Returned
Items
database
Return Reason
Code
Append the Return Reason Code and
insert a space to the
COMPLETE_NARATIVE field.
“123 ” 4 98 –
101
Returned
Items
database
Return Reason
Text
Append the Return Reason Text to the
COMPLETE_NARATIVE field.
If the length of the
COMPLETE_NARATIVE field > 160
characters, then truncate the Return
Reason Text in order for the
COMPLETE_NARATIVE field to equal 160
characters
No available funds 59 102 -
160
Example
Less than 160 characters
“REVERSAL 123-456 789098784 123456789 Alice Marland4567890123123 No available funds”
Greater than 160 characters
“REVERSAL 123-456 789098784 123456789 Rosaline Alice Marland4567890123123 unable to access
funds from customer’s account 123-456 789098784 due to available funds being low.”
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Truncated
“REVERSAL 123-456 789098784 123456789 Rosaline Alice Marland4567890123123 unable to access
funds from customer’s account 123-456 789098784 due to available fund”
25 APPENDIX E – MT940/MT950 CODES
The following table describes the identifying codes within MT940 and MT950 messages.
Field Name Field Description SWIFT Permissable Values
Tag 61, Subfield 3 Debit/Credit Mark
Indicator
‘D’ – Debit
‘C’ – Credit
‘RD’ – Reversal of Debit
‘RC’ – Reversal of Credit
Tag 61, Subfield 6,
Component 1
Party Initiating a
Transaction
‘F’ – First advice
‘N’ – Non swift transfer
‘S’ – Swift transfer
Tag 61, Subfield 6,
Component 2
Transaction Type
ID Code
‘BNK’ – Securities related item – bank fees
‘BOE’ – Bill of exchange
‘BRF’ – Brokerage fee
‘CAR’ – Securities Related Item – Corporate actions related
‘CAS’ – Securities related item – cash in lieu
‘CHG’ – Charges and other expenses
‘CHK’ – Cheques
‘CLR’ – Cash letters / cheques remittance
‘CMI’ – Cash management item – no detail
‘CMN’ – Cash management item – notional pooling
‘CMP’ – Compensation claims
‘CMS’ – Cash management item – sweeping
‘CMT’ – Cash management item – topping
‘CMZ’ – Cash management item – balancing
‘COL’ – Collections
‘COM’ – Commission
‘CPN’ – Coupons
‘DCR’ – Documentary Credit
‘DDT’ – Direct debit item
‘DIS’ – Securities related item – gains disbursement
‘DIV’ – Dividends
‘EQA’ – Equivalent amount
‘EXT’ – Securities related item – external transfer for own account
‘FEX’ – Foreign exchange
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Field Name Field Description SWIFT Permissable Values
‘INT’ – Interest
‘LBX’ – Lock box
‘LDP’ – Loan deposit
‘MAR’ – Securities related item – margin payments/receipts
‘MAT’ – Securities related item – maturity
‘MGT’ – Management feeds
‘MSC’ – Miscellaneous
‘NWI’ – Securities related item – new issues distribution
‘ODC’ – Overdraft charge
‘OPT’ – Securities related item – options
‘PCH’ – Purchase
‘POP’ – Securities related item – pair off proceeds
‘PRN’ – Securities related item – principal pay-down/pay-up
‘REC’ – Reclaim
‘RED’ – Securities related item – redemption/withdrawal
‘RIG’ – Securities related item – right
‘RTI’ – Returned item
‘SAL’ – Sale
‘SEC’ – Securities
‘SLE’ – Securities lending
‘STO’ – Standing order
‘STP’ – Securities related item – stamp duty
‘SUB’ – Securities related item – subscription
‘SWP’ – Securities related item – SWAP payment
‘TAX’ – Securities related item – withholding tax payment
‘TCK’ – Travellers cheques
‘TCM’ – Securities related item – tripartite collateral management
‘TRA’ – Securities related item – internal transfer for own account
‘TRF’ – Transfer
‘TRN’ – Securities related item – transaction fee
‘UWC’ – Securities related item – underwriting commission
‘VDA’ – Value date adjustment
‘WAR’ – Securities related item – warrant
26 APPENDIX F – CASH ACTIVE CONTROL TRANSACTION BATCH IMPORT
For information regarding this file format please contact your Account Manager for file specifications.
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27 APPENDIX G: CHINA PAYMENT CODES
The following tables provide details for BOP Codes and Purpose Codes required when creating
payments in China.
27.1 BOP Codes
BOP Transaction Code (
交易编码
) BOP Transaction Description (
交易编码描述
)
121010
一般
贸
易
121020
进料加工贸易
121030
海关特殊监管区域及保税监管场所进出境物流货物
121040
非货币黄金进出口
121050
金融性租
赁贸
易
121060
提供国家间、国际组织无偿援助和赠送的物资
121070
国内机构或个人提供无
偿援助和赠送的物资
121080
边境小额贸易
121100
外商投资企业作为投资进口设备、物品的支出
121110
加工贸易进口设备
121990
其他纳入海关统计的货物贸易
122010
离岸转手买卖
122020
未纳入海关统计的非货币黄金
122030
未纳入海关统计的网络购物
122990
其他未纳入海关统计的货物贸易
221000
出料加工工
缴费支
出
222011
涉及我国出口的海洋
货运服务
222012
涉及我国进口的海洋货运服务
222013
不涉及我国进出口的海洋货运服务
222014
海运客运
222019
其他海运服
务
222021
涉及我国出口的空中
货运服务
222022
涉及我国进口的空中货运服务
222023
不涉及我国进出口的空中货运服务
222024
空运客运
222029
其他空运服
务
222031
涉及我国出口的其他运
输方式货运服务
222032
涉及我国进口的其他运输方式货运服务
222033
不涉及我国进出口的其他运输方式货运服务
222034
其他运
输方式客
运
222039
其他运输方式的其他服务
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BOP Transaction Code (
交易编码
) BOP Transaction Description (
交易编码描述
)
222040
邮政及寄递服务
223010
公务及商务旅行
223021
就医及健康相关旅行
223022
留学及教育相关旅行（一年以上）
223023
留学及教育相关旅行（一年及一年以下）
223029
其他私人旅行
224010
境外建
设
224020
境内建
设
225010
寿
险
225021
为我国出口提供的保险
225022
为我国进口提供的保险
225029
其他非寿
险
225030
再保
险
225040
标准化担保服务
225050
保险辅助服务
226000
金融服
务
227010
电信服务
227020
计算机服务
227030
信息服
务
228010
研发成果转让费及委托研发
228021
法律服
务
228022
会计服务
228023
管理咨询和公共关系服务
228024
广告服
务
228025
展会服
务
228026
市场调查、民意测验服务
228031
建筑、工程技
术服务
228032
废物处理和防止污染服务
228033
农业和采矿服务
228039
其他技
术服务
228040
经营性租赁服务
228050
货物或服务交易佣金及相关服务
228060
办事处、代表处等办公经费
228990
上述未提及的其他商
业服务
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BOP Transaction Code (
交易编码
) BOP Transaction Description (
交易编码描述
)
229010
视听和相关服务
229020
教育服
务
229030
医疗服务
229990
其他文化和
娱乐服务
230000
别处未涵盖的维护和维修服务
231010
特许和商标使用费
231020
研发成果使用费
231030
复制或分销计算机软件许可费
231040
复制或分销视听及相关产品许可费
231990
其他知识产权使用费
232000
别处未涵盖的政府货物和服务
321000
职工报酬（工资、薪金和福利）
322011
向境外母公司支付的股息、
红利或利润
322012
向境外子公司等支付的股息、
红利（持有本机构 10%
以下股份）
322013
向境外联属公司支付的股息、红利（持股 10%以下的关联机构）
322014
向境内建筑物的非居民所有者支付的租金
322021
向境外母公司支付的利息
322022
向境外子公司等支付的利息（持有本机构
10%
以下股
权
）
322023
向境外联属公司支付的利息（持股 10%以下的关联机构）
322031
股票投资的股息、红利
322032
投资基金份额的股息、红利
322033
短期
债券利
息
322034
中长期债券利息
322041
存
贷款利
息
322042
向保单持有者支付的红利和利息
322043
向准公司（持股 10%以下）和国际组织份额持有者（因份额投资）支付的红利、收益
322049
其他的其他投
资收
益
323010
使用自然
资源的租
金
323020
产品和生产的税收及补贴
421010
个人间捐赠及无偿援助
421020
政府、国际组织间捐赠及无偿援助（与固定资产无关）
421990
其他捐赠及无偿援助（与固定资产无关）
422000
非寿险保险赔偿
423010
社保
缴
款
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BOP Transaction Code (
交易编码
) BOP Transaction Description (
交易编码描述
)
423020
社保返
还的福
利
424000
其他二次收入（
经常转移
）
521010
债务减免
521020
与固定资产有关的捐赠及无偿援助
521030
移民
转
移
521990
其他
资本转
移
522000
品牌、商标、契约和许可所有权等非生产非金融资产转让
621011
新设境外子公司资本金汇出
621012
筹备资金汇出
621013
对境外子公司增资
621014
购买转让的境外企业股权
621015
境外子公司撤回对境内母公司的股权投资（逆向股权投资的撤回）
621016
非法人投
资款汇
出
621021
对境外子公司的贷款及其他往来
621022
偿还境外子公司的贷款及其他往来（逆向投资的撤回）
621030
购买境外不动产的支出
621040
收益再投
资支
出
621050
用境内股权交换境外股权
621060
实物投资
621070
无形资产投资
622011
因外商投资企业清算、终止等撤资
622012
筹备资金撤出
622013
外商投资企业减资
622014
购买转让的外商投资企业股权
622015
外商投资企业对境外母公司的股权投资（逆向股权投资）
622016
非法人投
资款撤
出
622021
偿还境外母公司的贷款及其他往来
622022
对境外母公司的贷款及其他往来（逆向贷款投资）
622030
从非居民购买境内不动产支出
622050
用境外股权交换境内股权
622060
实物投资
622070
无形资产投资
623011
对境外联属企业的股权投资
623012
境外联属企业撤回对境内的股权投资
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BOP Transaction Code (
交易编码
) BOP Transaction Description (
交易编码描述
)
623021
向境外联属企业提供贷款及其他债权
623022
偿还境外联属企业贷款及其他债务
721010
投资境外机构境外发行的股票或股权
721020
投资境内机构在境外发行的股票或股权
721030
境内公司回购境外发行的股票或股权
721040
非居民卖出境内股票或股权
721050
非居民发行境内股票或股权
722010
申购境外投资基金
722020
清算境外投
资基
金
722030
非居民赎回境内投资基金
722040
非居民境内募集投
资基
金
723011
买入境外短期债券
723012
偿付境外短期债券
723013
非居民卖出境内短期债券
723014
非居民发行境内短期债券
723021
买入境外中长期债券
723022
偿付境外中长期债券
723023
非居民卖出境内中长期债券
723024
非居民发行境内中长期债券
724000
因金融衍生工具交易引起的支出
821010
资产-人寿保险和年金权益
821020
向境外提供
贷
款
821030
存放境外存款
821041
出口延期
应收
款
821042
进口预付货款
821990
其他
债权
822010
负债-人寿保险和年金权益
822020
偿还境外贷款
822030
境外存入款
项调
出
822041
进口延期应付款
822042
出口
预收货
款
822050
实物外债
822990
偿还其他债务
921010
偿还出口押汇
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BOP Transaction Code (
交易编码
) BOP Transaction Description (
交易编码描述
)
921020
偿还进口押汇
921030
代理进出口支出
922090
其他
923010
代外国投
资者划出投资
款
923020
境内投资者投资款划出
923090
其他境内投
资支
出
924010
偿还国内银行及其他金融机构外汇贷款本金
924020
偿还委托贷款本金
924030
划出委托
贷
款
924090
偿还其他贷款
925010
个人直系亲属账户资金转出
925020
个人经营性资金转出
929010
同名账户资金转出
929030
提取外
币现钞
929040
划出保
证
金
929050
总分公司之间划转的外汇支出
929060
企业集团公司与境内其他成员企业之间经常项目外汇资金集中管理项下支出
929070
结汇待支付账户（视同外汇账户管理）资金划出
929080
因跨境电子商务引起支付机构境内外汇支出
929090
其他
999998
无实际资金收付的轧差结算
999999
有实际资金收付的集中或轧差结算
27.2 Purpose Codes
Country
Payment Method
Purpose Code
Description
CN
BEPS
02102
普通汇兑 Common exchange
CN
BEPS
02103
网银支付 Online bank payment
CN
DHVPS
02102
普通汇兑 Common exchange
CN
DHVPS
02103
网银支付 Online bank payment
CN
CBHVPS
02112
货物贸易结算 Goods trade settlement
CN
CBHVPS
02113
货物贸易结算退款 Goods trade settlement refund
CN
CBHVPS
02114
服务贸易结算 Service trade settlement
CN
CBHVPS
02115
服务贸易结算退款 Service trade settlement refund
CN
CBHVPS
02116
资本项下跨境支付 X-border pmt under capital acc
CN
CBHVPS
02117
资本项下跨境支付退款 X-border pmt refund capital
320
Public
Country
Payment Method
Purpose Code
Description
CN
CBHVPS
02125
其他经常项目支出 Other current acc transactions
321
Public
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