ANZ Global Transaction Banking

File Formats

07.2014

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> Australia and New Zealand Banking Group Limited (ANZ Australia) is an authorised
deposit taking institution in Australia. ANZ, part of ANZ National Bank Limited (ANZ New
Zealand) is a registered bank in New Zealand under the Reserve Bank Act 1989 (New
Zealand). ANZ New Zealand is a subsidiary and separate entity from ANZ Australia and
is not an authorised deposit-taking institution under the Banking Act 1959 (Australia).
Any Cash Product provided by ANZ New Zealand is neither a deposit with nor liability of
ANZ Australia and ANZ Australia is not required to meet the obligations of ANZ New
Zealand.
ANZ Australia does not guarantee the performance of any Cash Product by ANZ New
Zealand.

> References to “Australia(n)” or “AU" with respect to any payments, products and/or
accounts means payment made by, accounts held with and products provided by
Australia and New Zealand Banking Group Limited / ANZ Australia from or within
Australia.

> References to “New Zealand” or “NZ" with respect to any payments, products and/or
accounts means payment made by, accounts held with and products provided by ANZ
National Bank Limited / ANZ New Zealand from or within New Zealand.

Page 2 of 265
 TABLE OF CONTENTS
1. Introduction 10
1.1. Overview 10
1.2. Scope 10
1.3. Import File Formats Overview (Payables) 11

2. AU Domestic Payments File Format 12

2.1. Introduction 12
2.2. Overview 12
2.3. File Naming Convention 12
2.4. ABA File Layout and Character Set 12
2.4.1.Descriptive Record 13

2.4.2.Detail Record 14

2.4.3.Batch Control Record 16

3. NZ Domestic Payments File Formats 18

3.1. Introduction 18
3.2. Overview 18
3.3. Host-to-Host File Naming Convention 18
3.4. File Layout and Character Set 18
3.4.1.Descriptive Record 18

3.4.2.Detail Record 20

3.4.3.Batch Control Record 21

4. AU and NZ Domestic Payments Reply File Format 22

4.1. Overview 22
4.2. File Naming Convention 22
4.3. Domestic Payments Reply File Layout 22
4.3.1.Data Header Record One 23

4.3.2.Data Header Record Two 24

4.3.3.Detail Record 24

4.4. Failure Codes and Reasons 25

5. Single Payments File Formats 28

5.1. Introduction 28
5.2. MT101 Non-Straight Through Processing (NSTP) File Format (Australia and New Zealand) 28
5.2.1.Overview 28

5.2.2.Host-to-Host File Naming Convention 28

5.2.3.MT101 File Layout and Character Set 28

5.2.4.Sequence A – General Information 30

5.2.5.Sequence B – Transaction Detail Record 31

5.2.6.Clearing System Codes 35

5.3. MT101 Straight Through Processing (STP File) Format (Australia and New Zealand) 36
5.3.1.Overview 36

5.3.2.Host-to-Host File Naming Convention 36

5.4. MT101 File Layout and Character Set 36

5.4.1.Sequence A – General Information 38

5.4.2.Sequence B – Transaction Detail Record 40

5.4.3.Instruction Codes 45

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 5.4.4.Clearing System Codes 46

5.4.5.Clearing System Codes 47

5.5. Single Payments Reply File Format (Australia and New Zealand) 48
5.5.1.Overview 48

5.5.2.Naming Convention 48

5.5.3.Single Payments Reply File Layout 48

5.5.4.Payment Header Record 48

5.5.5.Payment Main Record 48

5.5.6.Payment Funding Record 49

5.5.7.Payment Error Record 50

5.5.8.File Trailer 50

5.5.9.Failure Messages 51

6. BTR File Formats (Tandem) 52

6.1. Introduction 52
6.2. CSV Files (Australia and New Zealand) 52
6.2.1.Introduction 52

6.2.2.File Naming Convention 52

6.2.3.Statement Balance File Format 52

6.2.4.Statement Transaction File Format 54

6.3. SAP/Multi-cash Files (Australia and New Zealand) 55

6.3.1.Introduction 55

6.3.2.File Naming Convention 55

6.3.3.SAP/Multi-cash Balance File Format 55

6.3.4.SAP/Multi-cash Transaction File Format 57

6.4. BTR SingleFile (Australia only) 59

6.4.1.Overview 59

6.4.2.File Naming Convention 59

6.4.3.File Layout 59

6.4.4.File Header 59

6.4.5.Account Header 60

6.4.6.Transaction Record 61

6.4.7.Account Trailer 62

6.4.8.File Trailer 62

7. Returned Items Files (Australia only) 63

7.1.1.Introduction 63

7.1.2.File Naming Convention 63

7.1.3.Returned Items File Layout 63

7.1.4.Header Record – Returned Direct Debits and Credits 64

7.1.5.Detail Record – Returned Direct Debits and Credits 64

7.1.6.Trailer Record – Returned Direct Credits and Debits 65

7.1.7.Header Record – Retuned Cheques 65

7.1.8.Detail Record – Retuned Cheques 66

7.1.9.Trailer Record – Returned Cheques 67

7.1.10.Return Reason Codes – Returned Direct Debits/Credits 67

7.1.11.Return Reason Codes – Returned Cheques 67

8. BTR File Formats (ANZ Transactive) 69

8.1. Introduction 69
8.2. CSV File Format 69

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 8.2.1.File Naming Convention 69

8.2.2.File Layout 69

8.2.3.File Format – Balance Record 69

8.2.4.File Format – Transaction Record 71

8.3. Multicash File Format – SAPGen 72

8.3.1.File Naming Convention 72

8.3.2.File Layout 72

8.3.3.Balance Record 72

8.3.4.Transaction Record 73

8.4. BAI File 75

8.4.1.Introduction 75

8.4.2.Reserved Characters 75

8.4.3.File Layout 76

8.4.4.File Header Record 77

8.4.5.Group Header Record 78

8.4.6.Account Identifier and Summary Status Record 78

8.4.7.Transaction Detail Record 80

8.4.8.Continuation Record 81

8.4.9.Account Trailer Record 81

8.4.10.Group Trailer Record 82

8.4.11.File Trailer Record 82

8.5. NZ Statement Files (New Zealand Domestic Accounts only) 83

8.5.1.Introduction 83

8.5.2.NZ Statement File(s) – Balance File 83

8.5.3.NZ Statement File(s) – Transaction File 85

8.5.4.Type 3 (Transaction Record) 85

8.5.5.Type 5 (Opening Balance Record) 86

8.5.6.Type 6 (Closing Balance Record) 87

8.5.7.Type 8 (Total Debits/Credits Record) 88

8.5.8.Type 9 (Grand Total Debits/Credits Record) 89

9. Off-System BSB (OS BSB) (Australia only) 90

9.1. Introduction 90
9.1.1.File Naming Convention 90

9.2. File Format - Paper Transaction File 90

9.2.1.Record Identifiers 91

9.2.2.Header Record 91

9.2.3.Transaction Records 91

9.2.4.File Total Record 93

9.3. File Format - Direct Entry 94

9.3.1.Direct Entry File Header Record 94

9.3.2.Direct Entry Exchange Record (Type 1) 95

9.3.3.Direct Entry File Total Record 95

9.4. Return/Refusal File 96

9.4.1.Direct Entry & GDES File Header Record (Type 0) 96

9.4.2.Direct Entry & GDES Rejected Record (Type 2) 98

9.4.3.Direct Entry & GDES Refusal Record (Type 3) 99

9.4.4.Summary Report 100

9.5. GDES File 100

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 9.5.1.GDES File Header Record 100

9.5.2.GDES Exchange Record (Type 1) 101

9.5.3.GDES File Total Record 101

10. ANZ Receivables Management 103

10.1. Introduction 103
10.1.1.Field Notations 103

10.1.2.Record Types 103

10.2. Open Items File Format 104

10.2.1.Detail Record 104

10.3. Collection Detail File 106

10.3.1.File Structure 106

10.3.2.Header Record 106

10.3.3.Detail Record 106

10.3.4.Trailer Record 109

10.4. Collection Summary File 110

10.4.1.File Structure 110

10.4.2.Header Record 110

10.4.3.Detail Record 110

10.4.4.Trailer Record 111

11. Agency Clearing (Australia only) 112

11.1. Introduction 112
11.2. Standard File Naming Convention 112
11.3. File Format - Electronic Presentment (Paper) 113
11.3.1.Header record 113

11.3.2.Transaction Records 113

11.3.3.File Total Record 115

11.4. File Format - Direct Entry 116

11.4.1.Direct Entry File Header Record 116

11.4.2.Direct Entry Exchange Record (Type 1) 117

11.4.3.Direct Entry File Total Record 117

11.5. Outward Return/Refusal File 118

11.5.1.Direct Entry & GDES File Header Record (Type 0) 118

11.5.2.Direct Entry & GDES Rejected Record (Type 2) 119

11.5.3.Direct Entry & GDES Refusal Record (Type 3) 120

11.6. Summary Report 121

11.6.1.Sample Daily Summary Report 121

11.6.2.13.5.3 Summary Report Data File 121

11.7. GDES File 122

11.7.1.GDES File Header Record 122

11.7.2.GDES Exchange Record (Type 1) 123

11.7.3.GDES File Total Record 124

11.8. Cash and Cheque Deposit File 124

11.9. Monthly Billing Report 125
11.10. Cheque Encashment Report 125
11.11. Fast Deposit Bag Discrepancies Report 127
11.12. Inward Returns and Refusals File 127
11.12.1. Header Record – BECS Type 0 127

11.12.2. Detail Record – BECS Type 2 128

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 11.12.3. Detail Record – BECS Type 3 129

11.12.4. Trailer Record – BECS Type 7 131

12. BPAY+ (Australia only) 132

12.1. Introduction 132
12.2. Standard File Naming Convention 132
12.3. File Layout 132
12.4. File Format - Standard Output File 133
12.4.1.Header Record 133

12.4.2.Detail Record 133

12.4.3.Trailer Record 136

12.5. Empty BPAY CSL file (no transactions) 137

12.5.1.Header Record 137

12.5.2.Trailer Record 138

12.5.3.Summary Report and Tax Invoice 140

12.5.4.Sample Daily Summary Report 140

12.5.5.Sample Monthly Tax Invoice 141

12.5.6.Detailed Transaction Report 142

13. ANZ Interactive Voice Response (IVR) (Australia only) 143

13.1. Introduction 143
13.2. IVR Payment File - File Naming Convention 143
13.3. IVR Payment File - File Layout 144
13.3.1.File Header 144

13.3.2.Payment Instruction Record 144

13.3.3.Trailer Instruction Record 147

13.4. IVR Account Balance Due File - File Naming Convention 147
13.5. IVR Account Balance Due File - File Layout 147
13.6. IVR Account Balance Due File - File Format 148
13.6.1.Balance Feed Record 148

13.7. IVR CIDD File - File Naming Convention 149

13.8. IVR CIDD File - File Layout 149
13.9. IVR CIDD File - File Format 150
13.9.1.Header Record 150

13.9.2.Detail Record 150

13.9.3.Trailer Record 151

13.10. IVR Bill Payment Transaction Detail (BPTD) report 152

13.10.1. IVR Bill Payment Transaction Detail Report – Sample 152

14. Point-of-Sale (POS) (Australia only) 153

14.1. Introduction 153
14.2. Standard File Naming Convention 153
14.3. POS File Layout 153
14.4. POS File Format 153
14.4.1.Transaction Record 153

15. ANZ Commercial Cards (Visa) (Australia only) 155

15.1. Overview 155
15.2. Standard File Naming Convention 155
15.3. File Layout 155
15.4. File Format 155

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 15.4.1.File Naming Convention Record 155

15.4.2.Account Balances Record 156

15.4.3.Card Account Record 156

15.4.4.Cardholder Record 157

15.4.5.Company Record 157

15.4.6.Hierarchy Level Record 158

15.4.7.Hierarchy Tree Record 158

15.4.8.Hierarchy Record 158

15.4.9.Period Record 158

15.4.10. Transaction Record 160

16. ANZ LockBox (Australia Only) 162

16.1. Introduction 162
16.2. Standard File Naming Convention 162
16.3. File Layout 162
16.4. Detail Record Usage 163
16.5. ANZ LockBox File Format 164
16.5.1.Header Record 164

16.5.2.Detail Record 164

16.5.3.Transaction Details - Remittance Details Record 164

16.5.4.Transaction Details - Credit Card Details Record 165

16.5.5.Transaction Details—Cheque Details Record 165

16.6. Field Definitions 165

17. ANZ LockBox (New Zealand Only) 168

17.1. Introduction 168
17.2. Record File Format 168
17.3. Batch Summary Files Example 169

18. Enhanced Cheque Processing (Australia only) 170

18.1. Introduction 170
18.2. Standard File Naming Convention 170
18.3. File Layout 170
18.4. Enhanced Cheque Processing File Format 171
18.4.1.Header Record 171

18.4.2.Detail Record 172

18.4.3.Trailer Record 173

19. Bank@Post Customer Transaction Data File & Customer Transaction Report 174
19.1. Introduction 174
19.1.1.Bank@Post Customer Transaction Data File 174

19.1.2.Bank@PostCustomer Transaction Report 174

19.2. File Format 174

19.2.1.Bank@PostFile Header 174

19.2.2.Bank@PostTransaction Record 174

19.2.3.Bank@PostTrailer Details 175

19.3. Sample Bank@PostCustomer Transaction Report 176

20. Appendices 177

20.1. Appendix A – BAI/Transaction Codes (Tandem) 177
20.1.1.Transaction code descriptions - HFR Source. 177

20.1.2.Transaction code descriptions - CMM Source 185

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 20.1.3.Transaction Code to BAI Code Mapping 196

20.2. Appendix B – BAI/Transaction Codes – (ANZ Transactive) 207

20.2.1.Transaction code descriptions – HFR / CMM / V2P Source. 207

20.2.2.Transaction code descriptions – MANTEC / MIDANZ Source 233

20.2.3.Transaction code descriptions – SYS Source 244

20.2.4.Transaction code descriptions –XBK Source 260

20.3. Appendix C - Use of Auxdom/Trancode 262

20.4. Appendix D - Improved Statement Narrative 263
20.4.1.Statement Narrative Rules for Returned Cheques 263

20.4.2.Statement Narrative Rules for Returned Direct Entry Debits and Credits 264

20.4.3.Example 265

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1. Introduction

1.1. Overview
The purpose of this document is to collate the various file formats for ANZ Global
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 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 ANZ Interactive Voice Response (IVR) 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
This document does NOT address:

Instructions for importing/exporting files.

Examples of correctly formatted import/export files.

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2. Import File Formats Overview (Payables)

The Table below is a summary of the Payable Import File Formats for Australian and New
Zealand customers:

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3. AU Domestic Payments File Format

3.1. Introduction
This section details the types of AU Domestic Payments import file formats.

3.2. 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 Clearing Associations (APCA) file
specifications.

3.3. 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.

3.4. 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.

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 3.4.1. Descriptive Record
The Descriptive Record contains AU Domestic Payment batch header details.

The following table describes the format of the Descriptive Record:

Field Type Notes Start End Length Mandatory/
Description Position Position Optional

Record type Numeric Must be ‘0’. 1 1 1 Mandatory

BSB Alpha Bank/State/Branch number 2 8 7 Optional

of the funds account with a
hyphen in the 4th character
position.
e.g. 013-999.

Account Alpha Funds account number. 9 17 9 Optional

Note: the funding BSB and
account must match the
BSB/accounts linked to the
User Identification Number
specified in position 57-62

Reserved Alpha Blank filled. 18 18 1 Optional

Sequence Alpha Must be ‘01’. 19 20 2 Mandatory

number

Name of User Alpha Must contain the bank 21 23 3 Mandatory

Financial mnemonic that is associated
Institution with the BSB of the funds
account.
e.g. ‘ANZ’.

Reserved Alpha Blank filled. 24 30 7 Optional

Name of User Alpha User Preferred Name as 31 56 26 Mandatory

supplying File registered with ANZ

User Numeric Direct Entry User ID. 57 62 6 Mandatory

Identification Right-justified, zero-filled.
number

Description of Alpha Description of payments in 63 74 12 Mandatory

entries on File 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.

Date to be Alpha Date on which the payment 75 80 6 Mandatory

processed is to be processed.
DDMMYY (e.g. 010111).

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Field Type Notes Start End Length Mandatory/
Description Position Position Optional

Time Alpha Time on which the payment 81 84 4 Optional

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:
If using STP, the batch will
be rejected, not held
over
If using Web Authorisation,
the batch will be placed
in a ‘Needs Repair’
status with a release
time of 00:00 on the
following day

Otherwise, process at
time specified

Reserved Alpha Blank filled. 85 120 36 Optional

3.4.2. 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 Type Notes Start End Length Mandatory/
Description Position Position Optional

Record type Numeric Must be ‘1’. 1 1 1 Mandatory

BSB of Alpha Bank/State/Branch number 2 8 7 Mandatory

account to be with a hyphen in the 4th
CREDITED or character position.
DEBITED e.g. 013-999.

Account Alpha Numeric, alpha, hyphens & 9 17 9 Mandatory

number to be blanks are valid. Right
CREDITED or justified, blank filled.
DEBITED Leading zeros that are part
of an Account Number must
be included.

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Field Type Notes Start End Length Mandatory/
Description Position Position Optional

Withholding Alpha One of the following values, 18 18 1 Optional

Tax Indicator if applicable:
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 Numeric Select from the following 19 20 2 Mandatory

Code options as appropriate:
50 General Credit.
53 Payroll.
54 Pension.
56 Dividend.
57 Debenture Interest.
13 General Debit.

Amount to be Numeric Right justified, zero filled, 21 30 10 Mandatory

CREDITED or unsigned, two decimal
DEBITED places are implied (e.g.
$10.21 is recorded as
0000001021).

Title of Alpha Preferred format is: 31 62 32 Mandatory

account to be Surname followed by given
CREDITED or names with one blank
DEBITED between each name.
e.g. SMITH John Alan.
Left justified, blank filled.

Lodgement Alpha Payment reference 63 80 18 Mandatory

Reference indicating details of the
Produced on origin of the entry (e.g.
the recipient’s payroll number, policy
Account number).
Statement. Left justified, blank filled.

Trace BSB Alpha Bank/State/Branch number 81 87 7 Mandatory

Number of the trace account with a
hyphen in the 4th character
position.
e.g. 013-999

Trace Account Alpha Numeric, alpha, hyphens & 88 96 9 Mandatory

Number blanks are valid. Right
justified, blank filled.
Leading zeros that are part
of an Account Number must
be included.

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Field Type Notes Start End Length Mandatory/
Description Position Position Optional

Name of Alpha Name of originator of the 97 112 16 Mandatory

Remitter entry. This may vary from
Produced on Name of User.
the recipient’s Left justified, blank filled.
Account
Statement.

Withholding Numeric Must be zero filled or 113 120 8 Optional

amount 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).

3.4.3. 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.

The following table describes the format of the Batch Control Record:
Field Type Notes Start End Length Mandatory/
Description Position Position 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 Numeric Batch Credit Total Amount 21 30 10 Mandatory

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’).

Batch Credit Numeric Must be zero filled or 31 40 10 Mandatory

Total Amount contain the total value of all
Record Type 1 CREDIT
transactions in the batch.
Right justified, zero filled,
unsigned, two decimal
places are implied.

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Field Type Notes Start End Length Mandatory/
Description Position Position Optional

Batch Debit Numeric Must be zero filled or 41 50 10 Mandatory

Total Amount 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’).

Reserved Alpha Blank filled. 51 74 24 Optional

Batch Total Numeric Total count of Type 1 75 80 6 Mandatory

Item Count records in the batch.
Right justified, zero filled.

Reserved Alpha Blank filled. 81 120 40 Optional

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4. NZ Domestic Payments File Formats

4.1. Introduction
This section details the NZ Domestic Payments import file format.

4.2. Overview
The NZ Domestic Payments import file format allows a user to import a Domestic Payment
as one or more batches of payment instructions.

4.3. 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.

4.4. 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.

4.4.1. Descriptive Record

The Descriptive Record contains Domestic Payment batch header details.

The following table describes the format of the Descriptive Record:

Field Type Notes Record Max Mandatory/
Description Position Length 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. 3 8 Mandatory

20100130)

Payment Time Numeric HHMM (e.g. 1330 is 1.30pm) 4 4 Optional

Batch Creation Numeric Value may be omitted or a YYYYMMDD 5 8 Optional

Date format value will be ignored by
Transactive

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Field Type Notes Record Max Mandatory/
Description Position Length Optional

Funds Account Numeric In Form BBbbbbAAAAAAASS (2, 4, 7, 6 15 Mandatory

2). No hyphens

DD Code Numeric Mandatory for Debit Batches 7 7 Conditional

Reporting Numeric "S" = Single / "M" = Multiple. The 8 1 Mandatory

Method Multiple Reporting Method has a
threshold of 4999 transaction items. If
the threshold is exceeded Transactive
will update the Reporting Method to
‘Single’ upon validation of the file.
Customers will not be notified via the
front-end.

Dishonour Numeric In Form BBbbbbAAAAAAASS (2, 4, 7, 9 15 Mandatory

Account 2). No hyphens

Batch Name Alphanumeric The name given to the batch being 10 12 Mandatory
created.

Can be used to match an existing NZ

domestic payments template (including
Restricted Templates). This only
applies to payments requiring web
authorisation.

Originator Alphanumeric Reference details which are captured 11 12 Optional

Particulars by the originator.

Originator Alphanumeric Reference details which are captured 12 12 Optional

Analysis Code by the originator.

Originator Alphanumeric Reference details which are captured 13 12 Optional

Reference by the originator.

Reserved - Field reserved for future use. 14 - Optional

Reserved - Field reserved for future use. 15 - Optional

Reserved - Field reserved for future use. 16 - Optional

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 4.4.2. 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 Type Notes Record Max Mandatory/
Description Position Length Optional

Record Type Numeric Must be "2" 1 1 Mandatory

Account Numeric In Form BBbbbbAAAAAAASS (2, 4, 7, 2 17

Number to be 2), BBbbbbAAAAAAASSS (2, 4, 7, 3) or
CREDITED or BBbbbbAAAAAAAASSS (2, 4, 8, 3). No
DEBITED hyphens Mandatory

Transaction Numeric The transaction code for the item. 3 2

Code
The following codes are available:
50 – Credit
52 - Credit
00 - Debit Mandatory

Amount Numeric Amount must be less than or equal to 4 10

99999999.99
2 decimal places are implied (e.g.
$10.21 is recorded as 1021) Mandatory

Other Party Alphanumeric Party Receiving Payment 5 32

Name Mandatory

Other Party Alphanumeric Other Party Statement Details 6 12

Particulars Optional

Other Party Alphanumeric Other Party Statement Details 7 12

Analysis Code Optional

Other Party Alphanumeric Other Party Statement Details 8 12

Reference Optional

Originator Alphanumeric Only applicable if Reporting Method is 9 12

Particulars "M". If blank, will populate with
Originator Particulars in Batch Header. Optional

Originator Alphanumeric Only applicable if Reporting Method is 10 12

Analysis Code "M". If blank, will populate with
Originator Code in Batch Header. Optional

Originator Alphanumeric Only applicable if Reporting Method is 11 12

Reference "M". If blank, will populate with
Originator Reference in Batch Header. 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

Page 20 of 265
 4.4.3. 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 Max Mandatory/
Position Length Optional

Record Type Numeric Must be "3" 1 1 Mandatory

Batch Debit Total Numeric Value of all Debit transactions in the 2 10 Mandatory
Amount batch. 2 decimal places are implied
(e.g. $10.21 is recorded as 1021)

Batch Credit Total Numeric Value of all Credit transactions in the 3 10 Mandatory
Amount batch. 2 decimal places are implied
(e.g. $10.21 is recorded as 1021)

Batch Total Item Numeric Total number of Transactions in the 4 6 Mandatory

Count batch

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

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 265
5. AU and NZ Domestic Payments Reply File Format

5.1. 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.

5.2. File Naming Convention

AU and NZ Domestic Payment Reply File Naming Conventions are detailed in the table below:

File Type Naming convention Comments

Domestic DERPnnnn The 4 digits trailing DERP is an ANZ generated

Payment sequence number. For example: DERP0001
Reply File

5.3. 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)

Page 22 of 265
 5.3.1. Data Header Record One
The following table outlines the format of Data Header Record One:
Field Name Type Description Start End Size Mandatory/
Position Position Optional

Record Type Numeric Value 0 (zero) 1 1 1 Mandatory

Payment Numeric ANZ supplied number. This number is 2 15 14 Mandatory

Reference used by customer to contact helpdesk
Number

BSB Number Alpha Format NNN-NNN. For NZ domestic 16 22 7 Mandatory

payments, this will contain the first 7
digits of the account number.

Account Alpha Account Number of the account used for 23 31 9 Mandatory

Number to be funding the DE payment. For NZ
Debited or domestic payments, this will contain the
Credited remainder of the account number (left
justified).

Date/ Time Numeric The date and time batch was processed. 32 47 16 Mandatory
Processed Format CCYYMMDDHHMMSSHH

Reporting Alpha For AU Domestic Payment Reply file this 48 48 1 Mandatory

Method 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.

User ID Numeric Identification Number from the original 49 54 6 Optional

Number 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').

Description of Alpha From the original batch. For NZ 55 66 12 Mandatory

Entries on File domestic payments populate with the
Batch Name.

Date to be Numeric Date the batch is to be processed. 67 74 8 Mandatory

processed Format CCYYMMDD

Customer Alpha The originators reference comprising: 75 96 22 Mandatory

Reference 22 character file name of the payment
file sent to ANZ

Pending Alpha Y= Remote Authorisation is Mandatory 97 97 1 Mandatory

Authorisation NOT YET IMPLEMENTED

Fail Reason Numeric A code indicating why the batch has 98 101 4 Mandatory
Code failed
Zero = No Batch errors

Fail Reason Alpha A description explaining why the batch 102 141 40 Optional
Text has failed

Page 23 of 265
 5.3.2. Data Header Record Two
The following table outlines the format of Data Header Record Two:
Field Name Type Description Start End Size Mandatory/
Position Position Optional

Record Type Numeric Value 1 (one) 1 1 1 Mandatory

Number of Numeric Number of items in the batch that 2 7 6 Mandatory

Valid Items passed validation

Number of Numeric Number of items in the batch that failed 8 13 6 Mandatory

items failed validation

Credit Totals Numeric The total of all valid Credit items. 14 28 15 Mandatory
of valid 2 Decimal places assumed.
Items

Debit total of Numeric The total of all valid Debit items. 29 43 15 Mandatory
valid items 2 Decimal places assumed

Credit Totals Numeric The total of all failed Credit items. 44 58 15 Mandatory
of failed 2 Decimal places assumed.
Items

Debit total of Numeric The total of all failed Debit items. 59 73 15 Mandatory
failed items 2 Decimal places assumed

5.3.3. Detail Record

The following table outlines the format of the Detail Record:

Field Name Type Description Start End Size Mandatory/
Position Position Optional

Record Type Numeric Value 2 (two) 1 1 1 Mandatory

Sequence Numeric The sequence number of item in the 2 7 6 Mandatory

Number payment batch.

BSB Number Alpha From the original batch. For NZ 8 14 7 Mandatory

domestic payments, this will contain the
first 7 digits of the payee account
number.

Account Alpha From the original batch. For NZ 15 23 9 Mandatory

Number to domestic payments, this will contain the
be debited remainder of the payee account number
or credited (left justified).

Indicator Alpha Withholding Tax Indicator. From the 24 24 1 Optional

original batch

Transaction Numeric From the original batch 25 26 2 Mandatory

Code

Amount Numeric From the original batch 27 36 10 Mandatory

Title of Alpha From the original batch 37 68 32 Mandatory

account
to be
Credited
or Debited

Page 24 of 265
Field Name Type Description Start End Size Mandatory/
Position Position Optional

Lodgement Alpha From the original batch. For NZ 69 86 18 AU – Mandatory

Reference domestic payments, this will be the NZ – Optional
Payee Particulars (12 chars) and Payee
Code (first 6 chars).

Trace BSB Numeric From the original batch. For NZ 87 93 7 Mandatory

Number domestic payments, this will be the
dishonours account, and will contain the
first 7 digits of the dishonours account
number.

Trace Alpha From the original batch. For NZ 94 102 9 Mandatory

Account domestic payments, this will be the
Number dishonours account, and will contain the
remainder of the dishonours account
number (left justified).

Name of Alpha From the original batch. For NZ 103 118 16 AU – Mandatory
Remitter domestic batches, this will be the Payee NZ – Optional
Code (last 6 chars) and Payee Reference
(first 10 chars).

Amount of Numeric From the original batch. Not relevant 119 126 8 Optional
Withholding for NZ domestic payments.
Tax

Status Code Numeric A code indicating why the item has 127 130 4 Mandatory
failed
Zero = No Error.

Status Text Alpha A description explaining why the item 131 170 40 Optional
has failed, if the status code is not zero.

5.4. Failure Codes and Reasons

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 Status Description Applicable to AU Applicable to NZ
Code Funded Domestic Funded Domestic
Payments Payments

0100 Technical error contact ANZ helpdesk. X

1001 Authorisation is rejected. X

1014 Pay Date is not a valid date. X X

Pay date must not be in the past.

1015 Pay date is not a valid business date. X X

1016 Time is past cut-off. X X

1017 Template mismatch/account not entitled. X

Page 25 of 265
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

2102 Payment stopped at customer’s request. X

0105 Batch name is mandatory. X X

0106 Invalid characters in <Field Name>. X X

0501 Number of batch records exceeded. X

0505 Batch must start with a header record. X X

0506 Batch must end with a control record. X X

0110 A valid payment threshold does not exist. X

2940 Insufficient Funds. X

0111 No funding account detected in the batch. A default value X

has been selected.

2010 Remitter name is mandatory. X

0500 There are no records in the file. X X

0503 Number of detail records exceeded. X X

0210 Invalid length of <Field Name>. 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 date is more than <configurable number of days>

X
days from today.

3080 Originator particulars is invalid. X

3081 Originator code is invalid. X

3082 Originator reference is invalid. X

1033 Limit exceeded pending ANZ approval X X

Page 26 of 265
The following table outlines item level status codes and descriptions:
Status Code Status Description Applicable to AU Applicable to NZ
Funded Domestic Funded Domestic
Payments Payments

2000 BSB is mandatory.

Invalid ANZ Payee Account BSB. X
Invalid BSB. BSB must be 6 digits.

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 X

0106 Invalid characters in <Field Name>. X X

0211 Payee account is mandatory. X

0214 BSB payee account is invalid. X

0226 Trace BSB number is invalid. X

0210 Invalid length of <Field Name>. 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

Page 27 of 265
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)

6.2.1. 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.

6.2.2. Host-to-Host File Naming Convention

Not applicable

6.2.3. 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 / Comments
Optional

1 Sending financial Mandatory Block 1 is mandatory and must begin with “{1: F01”
institution and end with “}”
Example for ANZ Australia: {1: F01 ANZBAU3MXXX}

2 Message Mandatory Block 2 is mandatory and for International and RTGS

Type/Receiving payments must contain the SWIFT BIC of the Bank
financial institution 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 Optional Block 3 is optional. If present must begin with “{3:”
Information and end with “}”.
Not used by ANZ Transactive

4 Sequence A and Mandatory Block 4 is mandatory and must begin with “{4:” and
Sequence B end with “-}”.
This block contains Sequence A and Sequence B –
see below for further details.

Page 28 of 265
Character Set
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 29 of 265
6.2.4. 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 Mandatory

originating system.

:21R: Customer Alpha 16 The customer reference associated with Optional

reference the payment. If 21R is not supplied then
tag 21 in sequence B will be used as the
customer reference.

:28D: Message Alpha 5n/5n Always ‘00001/00001’. ANZ supports a Mandatory

Index/Total single sequence B.

:50L: Instructing Party Alpha 35 Identifies the customer authorised by the Optional
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.

:50H: Ordering Customer Alpha 34 Funding account preceded by ‘/’. BSB Optional
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.

:52A: Account Servicing Alpha 11 SWIFT code pertaining to the funding Optional
Institution 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 (‘//’). Eg, 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”, eg
“ANZBAU3MXXX”
Optional for BSB to be included in either
tag 50H or 52A but mandatory to be
provided in either 50H or 52A.

:30: Requested Numeric 6 The payment date in format YYMMDD Mandatory

Execution Date (e.g. 110101)

Page 30 of 265
6.2.5. 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 Alpha 16 Customer reference associated with the Mandatory

Reference payment.

:21F: F/X Deal Reference Alpha 16 Forward Exchange Contract or BID Optional
reference if an international payment.
Applicable exchange reference if a
Multibank payment.
Mandatory if tag 36 is populated.

:23E: Instruction Code Alpha – 4 x 30 Specific instructions provided by the Conditional

Numeric ordering customer to the account
servicing institution.
The system will only accept up to four
instruction codes.
For RTGS NZ the instruction code ‘OTHR’
followed by ‘/FAX’ or ‘/ATT’ can be
provided to enter the beneficiaries fax
number and Attention.

E.g.
:23E: OTHR/FAX/64-02-1234567
:23E: OTHR/ATT/Mr Smith

Note: Country Code, Area Code, and

Phone Number must be separated by a
hyphen as per example.

:32B: Currency and Alpha – 3– Payment currency and amount. Mandatory

Transaction Numeric 15 E.g. USD1234,56 (note ‘,’ convention)
amount
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,)
:50L: Instructing Party Alpha- 35 Identifies the customer authorised by the Optional
Numeric 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.
:50H: Ordering Customer Alpha 34 Funding account preceded by ‘/’. BSB Optional
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.

Page 31 of 265
Tag Field Description Type Length Notes Mandatory
/Optional
:52A: Account Servicing Alpha 11 SWIFT code pertaining to the funding Optional
Institution 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 (‘//’). Eg, 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”, eg
“ANZBAU3MXXX”
Optional for BSB to be included in either
tag 50H or 52A but mandatory to be
provided in either 50H or 52A.
:56A: Intermediary Alpha 11 Bank code of Intermediary bank. Can be Optional
Institution one of the following:

SWIFT BIC
OR

:56C: Alpha 15 Domestic Clearing Code of Intermediary

bank, // followed by a two letter clearing
system code and party identifier

Eg. //XXnn..nn

Where XX is the country Clearing System

Code (See section 6.3.5)
OR

:56D: Intermediary Alpha 5 x 35 Line 1: Bank code of Intermediary bank.

Institution
(continued) Can be one of the following:

Clearing code (format //XXnnn…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: should only be used if

bank code of Intermediary Bank is
unknown to ANZ Transactive.

Page 32 of 265
Tag Field Description Type Length Notes Mandatory
/Optional
:57A: Account With Alpha 11 Bank code of beneficiary bank. Can be Mandatory
Institution 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

//AUnnnnnn)

OR
BB for RTGS NZ (format

//NZnnnnnn)

:57C: Alpha 15 Domestic Clearing Code of beneficiary

bank, // followed by a two letter clearing
system code and party identifier

Eg. //XXnn..nn

Where XX is the country Clearing System

Code (See section 6.3.5)
OR

:57D: Alpha 5 x 35 Line 1: Bank code of beneficiary bank.

Can be one of the following:

BSB for RTGS AU (format

//AUnnnnnn)

BB for RTGS NZ (format

//NZnnnnnn)

Clearing code (format //XXnnn…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: should only be used if

bank code of Beneficiary Bank is
unknown to ANZ Transactive.

:59: Beneficiary Alpha 5x35 Line 1: Account of the payment Mandatory

Beneficiary preceded by a ‘/’.

Lines 2-5: Name and address of the

payment beneficiary.

:70: Remittance Alpha 4x35 Details of payment. Optional

Information

:33B: Funding currency Alpha – 3–15 Funding currency and amount. Optional
and amount Numeric E.g. AUD1234,56 (note ‘,’ convention).
Currency should match that of funding
account.
Amount can be 0 if 32B is specified.

Page 33 of 265
Tag Field Description Type Length Notes Mandatory
/Optional
:71A: Details of Charges Alpha 3 Must be ‘SHA’ for RTGS payments. Mandatory
Must be ’SHA’ or ‘OUR’ for International
payments.
Must be ‘SHA’, ‘OUR’ or ‘BEN’ for
Multibank payments.
:36: Exchange Rate Numeric 12 Forward Exchange Contract or BID rate if Optional
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.

Note: Some standard SWIFT MT101 file format fields that are not used have been omitted
from this document.

Page 34 of 265
6.2.6. Clearing System Codes
The table below lists the valid national Clearing System Codes.

Clearing System Length Comments

Code

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 35 of 265
6.3. MT101 Straight Through Processing (STP File) Format
(Australia and New Zealand)

6.3.1. Overview
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.

6.3.2. Host-to-Host File Naming Convention

Not applicable

6.4. 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 / Comments
Optional

1 Sending financial Mandatory Block 1 is mandatory and must begin with “{1: F01”
institution and end with “}”
Example for ANZ Australia: {1: F01 ANZBAU3MXXX}

2 Message Mandatory Block 2 is mandatory and for International and RTGS

Type/Receiving payments must contain the SWIFT BIC of the Bank
financial institution 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 Optional Block 3 is optional. If present must begin with “{3:”
Information and end with “}”.
Not used by ANZ Transactive

4 Sequence A and Mandatory Block 4 is mandatory and must begin with “{4:” and
Sequence B end with “-}”.
This block must contain a single occurrence of
Sequence A and Sequence B – see below for further
details.

Page 36 of 265
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 numerics (0-9)
o a for upper case alphabetics only
o c for upper case alphabetics and numerics
o x is any permitted characters (upper and lower case alphabetics and
numerics 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
alphabetics

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 37 of 265
 6.4.1. Sequence A – General Information
The following table outlines the format of Sequence A - General Information:

Tag Field Type Length Notes Mandatory

Description /Optional/
Conditional

:20: Sender’s Alpha - 16x Reference number to link payment Mandatory

Reference Numeric to originating system.

:21R: Customer Alpha - 16x The customer reference associated Optional

Specified Numeric with the payment.
Reference

:28D: Message Numeric 5n/5n ANZ supports a single sequence B. Mandatory

Index/Total

:50C: Instructing Party Alpha - Option C: Identifies the customer authorised Optional
Numeric 4!a2!a2!c[3!c] by the account owner to order the
payment.

If using option C then provide the

OR instructing party 8 or 11 character
Business Entity Identifier (BEI)

:50L: Option L: If using option L then provide the

35x name of the instructing party.

If populated, then must only be

provided in either sequence A or B
but not in both.

:50G: Ordering Alpha - Option G: Identifies the funding account and Conditional
Customer Numeric /34x the owner of the funding account.
4!a2!a2!c[3!c] The first line to be funding account
preceded by ‘/’. The account BSB
should be included where applicable.

OR If using option G then provide the

ordering customer 8 or 11 character
BEI on the second line .

:50H: Option H: If using option H account number is

/34x mandatory
4*35x
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 38 of 265
:52A: Account Servicing Alpha - Option A: Identifies the financial institution Conditional
Institution Numeric [/1!a][/34x] that services the funding account.
4!a2!a2!c[3!c] 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 (‘//’). Eg, 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”, eg
“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.

:30: Requested Numeric 6!n The payment date must be a valid Mandatory
Execution Date business day in the format of
YYMMDD (e.g. 110101)

Page 39 of 265
 6.4.2. Sequence B – Transaction Detail Record
The following table describes the format of Sequence B - Transaction Detail Record:

Tag Field Type Length Notes Mandatory

Description /Optional/
Conditional

:21: Transaction Alpha – 16x Transaction reference associated Mandatory

Reference Numeric with the payment.

:21F: F/X Deal Alpha – 16x Forward Exchange Contract or BID Conditional
Reference Numeric 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

:23E: Instruction Code Alpha – 4!c[/30x] Specific instructions provided by the Conditional
Numeric 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’ followed by ‘/FAX’ or ‘/ATT’
can be provided to enter the
beneficiaries fax number and
Attention.

E.g.
:23E: OTHR/FAX/64-02-1234567
:23E: OTHR/ATT/Mr Smith

Note: Country Code, Area Code, and

Phone Number must be separated
by a hyphen as per example..

:32B: Currency/ Alpha – 3!a15d Payment currency and amount. Mandatory

Transaction Numeric The amount field must only contain
amount 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,)

:50C: Instructing Party Alpha – Option C: Identifies the customer authorised Conditional
4!a2!a2!c[3!c] by the account owner to order the
Numeric
payment.

OR
If using option C then provide the
instructing party 8 or 11 character
BEI

Page 40 of 265
:50L: Option L: If using option L then provide the
35x name of the instructing party.

If populated, then must only be

provided in either sequence A or B
but not in both.

:50G: Ordering Alpha - Option G: Identifies the funding account and Conditional
Customer Numeric /34x the owner of the funding account.
4!a2!a2!c[3!c] The first line is the funding account,
preceded by a slash (‘/’). The
account BSB should be included
where applicable.
OR

If using option G then provide the

ordering customer 8 or 11 character
BEI on the second line.

:50H: Option H: If using option H then provide the

/34x name and street address of the
ordering customer in lines 2-5. Do
4*35x
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 Alpha - Option A: Identifies the financial institution Conditional
Institution Numeric [/1!a][/34x] that services the funding account.
4!a2!a2!c[3!c] 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 (‘//’). Eg, 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”, eg
“ANZBAU3MXXX”
Optional for BSB to be included in
either tag 50H or 52A but
mandatory to be provided in either
50H or 52A.

Page 41 of 265
:56A: Intermediary Alpha - Option A: Optional
Numeric All options within Tag 56 do not
[/1!a][/34x] apply to RTGS payments.
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
OR //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: Option C:
If using option C then:
/34x Must contain the country’s
national clearing system code of
the beneficiary bank. The format
is //XXnnn…nn. (e.g
OR //CH023657)
Where XX is the country’s national
clearing system code (See
section 6.3.8)

:56D: Option D:
If using option D then:
[/1!a][/34x] Optionally provide the country’s
4*35x 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.

Page 42 of 265
:57A: Account With Alpha - Conditional
Option A: If using option A then:
Institution Numeric
[/1!a][/34x] Provide the country’s national
clearing system code of the
4!a2!a2!c[3!c]
beneficiary bank. The format is
//XXnnn…nn. (e.g //AU023657)

Where XX is the country’s national

OR clearing system code (See section
6.3.7)
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:
Option C: If using option C then:
/34x Must contain the country’s
national clearing system code of
the beneficiary bank. The format
is //XXnnn…nn. (e.g
OR //CH023657)
Where XX is the country’s national
clearing system code (See section
6.3.8)

:57D:
Option D: If using option D then:
[/1!a][/34x] Line 1: Must contain the country’s
national clearing system code of
4*35x
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.

Page 43 of 265
:59: Beneficiary Alpha- Mandatory
No letter If using No letter option:
Numeric
option:
Line 1: Account number of the
/34x Beneficiary proceeded by a ‘/’
must be provided.
4*35x
Line 2: Beneficiary name.

Line 3: Beneficiary address.

OR Line 4: Beneficiary address.
Line 5: Beneficiary country
(must be ISO compliant format).
Lines 1, 2, 3 and 5 are mandatory.

:59A: If using option A then:

Option A:

/34x Line 1: Account number of the

Beneficiary proceeded by a ‘/’
4!a2!a2!c[3!c]
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.

:70: Remittance Alpha – 4*35x Details of payment. Optional

Information Numeric

:77B: Regulatory Alpha – 3*35x Regulatory information required by Optional

reporting Numeric the authorities in the country of the
sending or receiving bank.

:33B: Currency/Original Alpha – 3!a15d The funding currency and amount Conditional
Ordered Amount field must only contain one comma
Numeric
(e.g. AUD1234,56).
Amount can be 0 if 32B is greater
than zero.

:71A: Details of Charges Alpha 3!a Must be ‘SHA’ for RTGS payments. Mandatory
Must be ’SHA’ or ‘OUR’ for
International payments.
Must be ‘SHA’, ‘OUR’ or ‘BEN’ for
Multi Bank payments.
:36: Exchange Rate Numeric 12d Forward Exchange Contract or BID Conditional
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.

Note: Some standard SWIFT MT101 file format fields that are not used by ANZ Transactive
have been omitted from this document.

Page 44 of 265
 6.4.3. Instruction Codes
The table below lists the valid Instruction Codes.

Instruction Comments
Codes

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.

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 45 of 265
 6.4.4. Clearing System Codes
The table below lists valid Option A national Clearing System Codes.

Clearing System Length Comments

Code

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 Fedwire Routing Number

digit code

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

Page 46 of 265
 6.4.5. Clearing System Codes
The table below lists valid Option C national Clearing System Codes.

Clearing System Length Comments

Code

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)

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

Page 47 of 265
6.5. Single Payments Reply File Format (Australia and New
Zealand)

6.5.1. 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. If the client is registered for
notification of limit exceeds an additional reply file will be received.

6.5.2. Naming Convention

AU and NZ Single Payment Reply File Naming Conventions are detailed in the table below:

File Type Naming convention Comments

Single SPRP<1234>.spr The 4 digits trailing SPRP is an ANZ generated

Payment sequence number. For example: SPRP1234.spr
Reply File

6.5.3. 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

6.5.4. Payment Header Record

The following table outlines the format of the Payment Header Record:
Field Name Type Description Start End Size Mandatory/
Position Position Optional

Record Numeric Must be '00' 1 2 2 Mandatory

Identifier

File Identifier Numeric GPWREP 3 8 6 Mandatory

File Date and AlphaNumeric Format ddmmyyHHMMSS 9 20 12 Mandatory

time

6.5.5. Payment Main Record

The following table outlines the format of the Payment Main Record:

Field Name Type Description Start End Size Mandatory/

Position Position Optional

Record Numeric Must be '01' 1 2 2 Mandatory

Identifier

Page 48 of 265
Field Name Type Description Start End Size Mandatory/
Position Position Optional

File Import AlphaNumeric 3 8 6 Optional

Batch This field will be populated with
Number empty spaces

Customer AlphaNumeric Facilitate Customer/ANZ 9 24 16 Mandatory

Reference communication

Status AlphaNumeric 25 44 20 Mandatory

Currency AlphaNumeric 45 47 3 Mandatory

Code Credit currency code

Currency AlphaNumeric Credit currency amount (4 decimal 48 62 15 Mandatory

Amount places)

Creation AlphaNumeric Format ddmmyyyy 63 70 8 Mandatory

Date

Value Date AlphaNumeric Format ddmmyyyy 71 78 8 Mandatory

Host Audit AlphaNumeric This field will be populated with 81 84 6 Optional

Number empty spaces

Customer AlphaNumeric 85 119 35 Mandatory

Name

AlphaNumeric Facilitate Customer/ANZ 120 127 8 Mandatory

Payment ID communication

AlphaNumeric This field will be populated with 128 143 16 Optional

Applicant ID empty spaces

Beneficiary AlphaNumeric 144 178 35 Mandatory

Name

Beneficiary AlphaNumeric 179 212 34 Mandatory

Account
Number

Bank Dom AlphaNumeric 213 236 24 Mandatory

IntCode

Beneficiary AlphaNumeric 237 271 35 Mandatory

Bank Name

Beneficiary AlphaNumeric 272 273 2 Mandatory

Bank
Country
Code

Intermediary AlphaNumeric 274 297 24 Optional

Bank Dom This field will be populated with
Int Code empty spaces

Intermediary AlphaNumeric This field will be populated with 298 332 35 Optional
Bank Name empty spaces

Intermediary AlphaNumeric 333 334 2 Optional

Bank This field will be populated with
Country empty spaces

6.5.6. Payment Funding Record

The following table outlines the format of the Payment Funding Record:
Field Name Type Description Start End Size Mandatory/
Position Position Optional

Record Numeric Must be '02' 1 2 2 Mandatory

Identifier

Currency AlphaNumeric 3 5 3 Mandatory

Code

Page 49 of 265
Field Name Type Description Start End Size Mandatory/
Position Position Optional

Funding AlphaNumeric 4 decimal 6 20 15 Mandatory

Amount

AlphaNumeric This filed will display ‘Multi’ if a 21 30 10 Mandatory

payment is funded by multiple
contracts else the pre-determined
Rate Deal contract id will display when
Reference applicable.

Exchange AlphaNumeric This filed will display ‘1’ if a 31 41 11 Mandatory

Rate payment is funded by multiple
contracts else the actual rate will
display when applicable.

Paying AlphaNumeric 4 decimal 42 56 15 Mandatory

Amount

Funding AlphaNumeric This field will not be populated 57 72 16 Mandatory

Subaccount
Name

Funding AlphaNumeric This field will not be populated 73 78 6 Mandatory

Subaccount
Ref

6.5.7. Payment Error Record

The following table outlines the format of the Payment Error Record:
Field Name Type Description Start End Size Mandatory/
Position Position Optional

Record Numeric Must be '03' 1 2 2 Mandatory

Identifier

Element ID AlphaNumeric Default to blank 3 3 1 Mandatory

Error AlphaNumeric 4 4 1 Mandatory

Severity E=Error, N=Notification.

Message AlphaNumeric 5 5 1 Mandatory

Origin Always set to ‘T’

Message AlphaNumeric Message information for customer 6 125 120 Mandatory

Text

6.5.8. File Trailer

The following table outlines the format of the File Trailer Record:
Field Name Type Description Start End Size Mandatory/
Position Position Optional

Record Numeric Must be '99' 1 2 2 Mandatory

Identifier

Record Numeric Total number of payment records in 3 10 8 Mandatory

Count the data record set. This will
typically be 1.

Page 50 of 265
 6.5.9. Failure Messages
The following list of errors can be returned for failed payments:
Description

Unable to identify payment type.

The debit account is not registered to the user group.

Insufficient entitlements for the requested operation.

The debit account is not valid.

<Field Name> only allows <Character Set Name> characters.

Invalid payment structure.

Beneficiary bank code is not a valid Australian clearing code.

Debit account is not unique for the user group.

<Field Name> cannot be longer than <Field Maximum Value > characters.

<Field> field is missing.

Payment date is not a valid date.

Payment date must be greater than or equal to today.

Payment date cannot be a Saturday or Sunday.

The payment is a possible duplicate.

Either debit or credit amount is required.

Contract ID and Rate must be blank for single currency payments

Debit and credit amounts do not match for single currency payments.

Both Contract ID and Rate must be present for a cross currency payment.

Contract ID and Rate not required for single currency payment.

Incorrect debit and/or credit amount received.

The Beneficiary Country Code must be a valid country code.

There are no records in the file.

The details of charges are not valid.

The debit account is not registered to the payment type.

Transaction date cannot be a debit account bank holiday.

The user group is not entitled to the Contract Rate Override option.

A valid payment threshold does not exist.

Technical error contact ANZ helpdesk.

Insufficient funds.

Authorisation is rejected.

<Field name> is mandatory

<Field name> must only contain digits

<Field name> is invalid

Limit exceeded pending ANZ approval

Invalid currency for STP payment.

Funding account must begin with “/”.

Currency code is not a valid ISO code.

Debit currency must match debit account.

Page 51 of 265
7. BTR File Formats (Tandem)

7.1. Introduction
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)

7.2.1. 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.

7.2.2. 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

7.2.3. Statement Balance File Format

The following table describes the format of the Statement Balance file:
Field Description Alpha / Mandatory / Optional Max Size
Numeric
1 Balance Date Alpha Mandatory 11
Format DD-Mmm-YYYY (e.g. 01-Jan-2011)
2 Account Number Alpha Mandatory 20
BSB and Account Number

Page 52 of 265
Field Description Alpha / Mandatory / Optional Max Size
Numeric
3 Source of Account Alpha Mandatory 8
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

4 Account Format Alpha Mandatory 1

Indicates if there is a BSB present
5 Account Name Alpha Optional 16
Name of account registered with ANZ.

6 ISO Currency Code Alpha Mandatory 3

e.g. AUD
7 Opening Balance Numeric Mandatory 24
Signed, decimal point present
8 Closing Balance Numeric Mandatory 24
Signed, decimal point present
9 Debit Total Numeric Mandatory 24
Unsigned, decimal point present
10 Number of Debits Numeric Mandatory 5
11 Credit Total Numeric Mandatory 24
Unsigned, decimal point present
12 Number of Credits Numeric Mandatory 5
13 Debit Interest Rate Numeric Optional 7
Always to 4 decimal places
14 Credit Interest Rate Numeric Optional 7
Always to 4 decimal places
15 Overdraft Limit Numeric Optional 20
Unsigned, decimal point present
16 Debit Interest Accrued Numeric Optional 20
Unsigned, decimal point present
17 Credit Interest Accrued Numeric Optional 20
Unsigned, decimal point present
18 FID Accrued Numeric Optional 20
Unsigned, Decimal Point present
19 BAD Tax Accrued Numeric Optional 20
Unsigned, Decimal Point present

20 Next processing date Alpha Optional 11

Format DD-Mmm-YYYY (e.g. 01-Jan-2011)

Page 53 of 265
 7.2.4. Statement Transaction File Format
The following table describes the format of the Statement Transaction file:
Field Description Alpha / Mandatory / Optional Max Size
Numeric
1 Transaction Date Alpha Mandatory 11
Format DD-Mmm-YYYY (e.g. 01-Jan-2011)
2 Account Number Alpha Mandatory 20
BSB and Account Number
3 Source of Account Alpha Mandatory 8
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

4 Account Format Alpha Mandatory 1

Indicates if there is a BSB present in account number
in field 2
5 Account Name Alpha Optional 16
Name of account registered with ANZ.

6 ISO Currency Code Alpha Mandatory 3

E.g. AUD
7 Sub Account Name Alpha Optional 16
Only used if present

8 Short Description of transaction Alpha Mandatory 10

E.g. Cheque, Payment, Transfer etc.
Refer to Appendix A for full list
9 Reference Alpha Optional 18
E.g. Cheque Number, Invoice Number etc.
10 Transaction Amount Numeric Mandatory 22
Signed, decimal point present
11 Narrative Alpha Optional 160
160 character narrative.
12 Value Date Alpha Mandatory 11
Format DD-Mmm-YYYY. (e.g. 01-Jan-2011)
Can be different to transaction date if backdated
13 Trace ID Alpha Mandatory 16
ANZ Internal trace line
14 Tran Code Alpha Mandatory 3
3-digit transaction code. See Appendix A for list of
transaction codes
15 Aux Dom Alpha Optional 10
This carries additional information about the
transaction. See Appendix A for full list of Aux Doms

Page 54 of 265
7.3. SAP/Multi-cash Files (Australia and New Zealand)

7.3.1. 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).

7.3.2. 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 y ear
nn is a sequential number
E.g. B0100301 Balance data for 10th Jan 2003
T0100301 Transaction data for 10th Jan 2003

7.3.3. SAP/Multi-cash Balance File Format

The following table describes the format of the SAP/Multi-cash Balance file:
Field Description Alpha / Mandatory / Max
Numeric Optional Size

1 Bank Code Alpha Mandatory 12

For AU and NZ Domestic Accounts the bank code is he BSB of
the account. Format NNN-NNN (hyphen between the 3rd and
4th characters).

For Foreign Currency accounts the bank is code is in the

format MDZXXN 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).

2 Account number Numeric/Alpha Mandatory 24

3 Statement Number Numeric Mandatory 5
Consecutive number starting with 1 and reset at the start of a
new year.
4 Statement Date Alpha/Numeric Mandatory 8
Date transactions were posted to the account.
DD.MM.YY format (e.g. 01.01.11)
5 ISO Currency Code Alpha Mandatory 3
E.g. AUD for Australian Dollar Accounts
6 Beginning Balance Numeric Mandatory 18
Signed, Opening Balance of this file. Decimal point present

Page 55 of 265
Field Description Alpha / Mandatory / Max
Numeric Optional Size

7 Sum of Debits Numeric Mandatory 18

Unsigned, total value of debits in this file. Decimal point
present
8 Sum of Credits Numeric Mandatory 18
Unsigned, Total value of credits in this file. Decimal point
present
9 Balance bought forward Numeric Mandatory 18
Signed, closing balance of this file. Decimal point present
10 Account Name Alpha Mandatory 16
Name of account registered with ANZ
11 Not used by ANZ Transactive – Always NULL Alpha Optional 35
12 Not used by ANZ Transactive – Always NULL Alpha Optional 8
13 Not used by ANZ Transactive – Always NULL Alpha Optional 8
14 Not used by ANZ Transactive – Always NULL Alpha Optional 9
15 Not used by ANZ Transactive – Always NULL Alpha Optional 23
16 Not used by ANZ Transactive – Always NULL Alpha Optional 2
17 Not used by ANZ Transactive – Always NULL Alpha Optional 8
18 Number of records in the transaction file for this account Numeric Mandatory 5

Page 56 of 265
 7.3.4. SAP/Multi-cash Transaction File Format
The following table describes the format of the SAP/Multi-cash Transaction file:
Field Description Alpha / Mandatory / Max
Numeric Optional Size
1 Bank Code Alpha/Numeric Mandatory 12
For AU and NZ Domestic Accounts the bank code is the
BSB/Branch of the account. Format NNN-NNN (hyphen
between the 3rd and 4th characters).

For Foreign Currency accounts the bank is code is in the format

MDZXXN 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)

2 Account number Alpha/Numeric Mandatory 24

3 Statement Number Numeric Optional 5
Consecutive number starting with 1 and reset at the start of a
new year
4 Statement Date Alpha/Numeric Mandatory 8
Date transactions were posted to the account. Format
DD.MM.YY (e.g. 01.01.11)
5 Not used by ANZ Transactive – Always NULL Alpha Optional 10
6 Note to Payee 1 Alpha Optional 27
Transaction Type.
Please refer to Appendix A for full list of transaction types
7 Not used by ANZ Transactive – Always NULL Alpha Optional 27
8 Not used by ANZ Transactive – Always NULL Alpha Optional 4
9 Not used by ANZ Transactive – Always NULL Alpha Optional 3
10 Cheque Number\Note to Payee 2 Alpha/Numeric Optional 16
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.
11 Transaction Amount Alpha/Numeric Mandatory 18
Signed
12 Not used by ANZ Transactive – Always NULL Alpha Optional 5
13 Sequence Number Numeric Mandatory 1
Always ‘0’
14 Booking date Alpha/Numeric Mandatory 8
Date of transaction. Format DD.MM.YY (e.g. 01.01.11)
15 Not used by ANZ Transactive – Always NULL Alpha Optional 15
16 Not used by ANZ Transactive – Always NULL Alpha Optional 15
17 Note to Payee 2 Alpha Optional 27

18 character reference
18 Note to Payee 3 Alpha Optional 27
st 1
1 27 characters of the Long Statement Narrative
19 Note to Payee 4 Alpha Optional 27

2nd 27 characters of the Long Statement Narrative

20 Note to Payee 5 Alpha Optional 27
rd
3 27 characters of the Long Statement Narrative
21 Note to Payee 6 Alpha Optional 27
th
4 27 characters of the Long Statement Narrative

Page 57 of 265
Field Description Alpha / Mandatory / Max
Numeric Optional Size
22 Note to Payee 7 Alpha Optional 27

5th 27 characters of the Long Statement Narrative

23 Note to Payee 8 Alpha Optional 27
th
6 27 characters of the Long Statement Narrative
24 Note to Payee 9 Alpha Optional 27
th
7 27 characters of the Long Statement Narrative
25 Note to Payee 10 Alpha Optional 27
th
8 27 characters of the Long Statement Narrative
26 Note to Payee 11 Alpha Optional 27

9th 27 characters of the Long Statement Narrative

27 Note to Payee 12 Alpha Optional 27
th
10 27 characters of the Long Statement Narrative
28 Note to Payee 13 Alpha Optional 27

10 character Aux Dom.

29 Note to Payee 14 Alpha Optional 27

Trace ID of the transaction

30 Not used by ANZ Transactive – Always NULL Alpha Optional 27

31 Not used by ANZ Transactive – Always NULL Alpha Optional 27
32 Not used by ANZ Transactive – Always NULL Alpha Optional 12
33 Not used by ANZ Transactive – Always NULL Alpha Optional 24
34 Transaction Code. Bank Transaction Code Numeric Optional 3

35 Not used by ANZ Transactive – Always NULL Alpha Optional 3

Page 58 of 265
 7.4. BTR SingleFile (Australia only)

7.4.1. Overview
BTR SingleFile is available for ANZ Transactive Host-to-Host customers only.

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, the customer must have returned
items linked and must not be BULK credit user.

Appendix D describes the improved statement narrative for returned items.

7.4.2. File Naming Convention

BTR SingleFile files will be named as follows:
File Name: BTRjjjyyss.ANZ

Where: jjj = Julian day number

yy = year
ss = within the day sequence

7.4.3. 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.

7.4.4. 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 59 of 265
 7.4.5. Account Header
The following table describes the format of the Account Header:
Field Name Description Alpha / Mandatory / Size Position
Numeric Optional

Record Type “10” Alpha / Mandatory 2 1–2

Numeric

Date Balance Date (YYYYMMDD) Numeric Mandatory 8 3 - 10

Source Indicates the type of account. Left justified, Alpha Mandatory 8 11- 18
space filled.
CMM = corporate customer account
MIDANZ = foreign currency account
DATABANK – NZ account
HFR = retail customer account
NZXBNK – ANZ New Zealand account

Acc BSB Account BSB if an AUS Domestic Account, or Alpha / Mandatory 6 19 - 24

NZ Domestic Account otherwise blank Numeric

Account 9 digit Account number AU domestic. Alpha / Mandatory 24 25 - 48

Number Numeric
9 digit Account number NZ domestic.
Otherwise, 24 character account number.

Format B = BSB is present in the account number Alpha Mandatory 1 49

N = BSB is not present in the account number

Statement First 4 bytes of the Statement Number Numeric Mandatory 4 50 – 53

Number

Account First 16 Characters of the Account Name Alpha / Mandatory 16 54 - 69

Name Numeric

Currency Currency Code (e.g. “AUD”) Alpha Mandatory 3 70 - 72

Opening Opening Balance (signed amount). Number of Alpha / Mandatory 16 73 - 88

Balance decimal places will be determined based on Numeric
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

Closing Closing Balance (signed amount). Alpha / Mandatory 16 89- 104

Balance Same rules as described for the Opening Numeric
Balance above.

Debit Debit Movement (unsigned amount) Number of Alpha / Mandatory 15 105 -119
Movement decimal places will be based on the Currency Numeric
Code. Right justified and zero filled. Explicit
decimal point.

No. Debits Number of Debits Numeric Mandatory 5 120 - 124

Page 60 of 265
Field Name Description Alpha / Mandatory / Size Position
Numeric Optional

Credit Credit Movement (unsigned amount) Number Alpha / Mandatory 15 125 – 139
Movement of decimal places will be based on the Currency Numeric
Code. Right justified and zero filled. Explicit
decimal point.

No. Credits Number of Credits Numeric Mandatory 5 140 - 144

DR Rate Interest rate if account is in debit, otherwise Alpha / Mandatory 7 145 – 151
zero. Numeric
Unsigned, Right justified and zero filled.
Assumed 3 decimal places.

Cr Rate Interest rate if account is in credit, otherwise Alpha / Mandatory 7 152 - 158
zero. Numeric
Unsigned, Right justified and zero filled.
Assumed 3 decimal places.

Limit Overdraft Limit (unsigned amount) Right Alpha Mandatory 15 159 – 173
justified and zero filled. (Note this will be Numeric
expressed in AUD, and will be in whole dollars.)

Dr Int Debit Interest Accrued (unsigned amount) Numeric Mandatory 15 174 – 188
Accrued Right justified and zero filled.

Cr Int Credit Interest Accrued (unsigned amount) Numeric Mandatory 15 189 – 203
Accrued Right justified and zero filled.

FID Accrued Debit Interest Accrued (unsigned amount) Numeric Mandatory 15 204 – 218
Right justified and zero filled.

BADT Accrued Debit Interest Accrued (unsigned amount) Numeric Mandatory 15 219 – 233
Right justified and zero filled.

Next date Next Processing Date (YYYYMMDD) Numeric Mandatory 8 233 - 241

7.4.6. Transaction Record

The following table describes the format of the Transaction Record:
Field Name Description Alpha / Mandatory / Size Position
Numeric Optional

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 Alpha Mandatory 10 14 - 23

Transaction Code to BAI Code Mapping

Reference Transaction reference. Alpha Optional 18 24 – 41

Amount Amount (signed amount) Numeric Mandatory 16 42 – 57

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)

Narrative Transaction narrative. Alpha / Optional 160 58 – 217

Numeric

Eff Date Value Date (YYYYMMDD) Numeric Mandatory 8 218 – 225

Trace Id Trace details. Alpha Mandatory 16 226 – 241

Page 61 of 265
Field Name Description Alpha / Mandatory / Size Position
Numeric Optional

Tran Code Tran Code (eg “050”) - Refer to Appendix A Alpha Mandatory 3 242 – 244
Transaction Code to BAI Code Mapping

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 Numeric Mandatory 3 265 – 267
Transaction Code to BAI Code Mapping

Name of Remitter Name of Remitter. Alpha Optional 16 268 – 283

Lodgement Lodgment Reference. Alpha Optional 18 284 – 301

Reference

Short Description Transaction Short Description. Alpha Optional 10 302 – 311

Number of Number of Collection Items Numeric Optional 7 312 - 318

Collection Items

7.4.7. Account Trailer

The following table describes the format of the Account Trailer:
Field Name Description Alpha / Mandatory / Size Position
Numeric Optional

Record Type “50” Numeric Mandatory 2 1-2

Number of Number of Transaction records for this Numeric Mandatory 8 3-10

Records account. (type 15)

7.4.8. File Trailer

The following table describes the format of the File Trailer:
Field Name Description Alpha / Mandatory / Size Position
Numeric Optional

Record Type “99” Numeric Mandatory 2 1-2

Number of Number of Account records. (Type 10) Numeric Mandatory 8 3-10

Records

Page 62 of 265
8. Returned Items Files (Australia only)
8.1.1. Introduction
The Returned ItemsFile 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.

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, replace that character with a space. Each
record will end with CRLF (carriage-return/line feed, Hex 0D0A).

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.

8.1.2. 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

8.1.3. 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 63 of 265
 8.1.4. 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 Description/Notes Alpha / Numeric Mandatory / Size Position
Description Optional

Identifier Header Numeric Mandatory 1 1

Always ‘1’
Description Description of items Alpha Mandatory 30 2–31
Always ‘Returned Items’
Left-justified, blank-filled
Item Type Always ‘Direct Entry’ Alpha Mandatory 12 32–43
Version Version No. of file format Numeric Mandatory 4 44–47
Always ‘0001’ ‘0001’
Right-justified, zero-filled. Right-justified,
zero-filled.
Date Date returned item(s) processed Alpha / Numeric Mandatory 10 48–57
DD-MM-YYYY format. (e.g.01-
01-2011)
Reserved Blank Filled Alpha Mandatory 257 58–314

8.1.5. Detail Record – Returned Direct Debits and Credits

The following table describes the format of the Detail Record for Returned Direct Debits and
Credits:
Field Description/Notes Alpha / Mandatory / Size Position
Numeric Optional
Identifier Item Type identifier Numeric Mandatory 1 1
‘2’ = Returned Credit
‘3’ = Retuned Debit
Return Date Date item was returned by Account Numeric Mandatory 10 2–11
Holder’s Financial Institution
DD-MM-YYYY format. (01-01-2011)
Account Name Name of account to which Returned Alpha / Mandatory 16 12–27
Items are directed Numeric
Left-justified, blank-filled

BSB Number Bank/State/Branch No. of account to Numeric Mandatory 6 28–33

which Returned Items are directed
Account Number Account No. of account to which Alpha / Mandatory 21 34–54
Returned Items are directed Numeric
Right-justified, blank-filled
Reserved Blank-filled Alpha Mandatory 14 55–68

Lodgement Date Date the item was initially submitted Numeric Optional 10 69–78
DD-MM-YYYY format. (01-01-2011)
Lodgement Lodgement Reference Field data as Alpha / Mandatory 18 79–96
Reference initially submitted Numeric
Right-justified, blank-filled
Remitter Name of Remitter Field data as Alpha / Mandatory 16 97–112
initially submitted Numeric
Left-justified, blank-filled
Target Account Account Name as initially submitted Alpha / Mandatory 32 113–144
Name Left-justified, blank-filled Numeric

Target Account BSB of returned transaction as initially Numeric Mandatory 6 145–150

BSB submitted

Page 64 of 265
Field Description/Notes Alpha / Mandatory / Size Position
Numeric Optional
Target Account Account No. of returned transaction as Alpha/Numeric Mandatory 21 151–171
Number initially submitted
Right-justified, blank-filled
Amount Amount of item with decimal point Numeric, Mandatory 14 172–185
Right-justified, zero-filled unsigned

Return Reason Reason for the returned item Alpha / Mandatory 60 186–245
Text Numeric
Return Reason Code to identify the reason for the Alpha / Mandatory 3 246–248
Code return Numeric

User User Identification Number under Numeric Mandatory 6 249–254

Identification which returned item was lodged
Number Right-justified, zero-filled
Reserved Blank filled Alpha Mandatory 6 255–260

Reserved Blank filled Alpha Mandatory 21 261–281

Transaction System Identification No. allocated to Numeric Mandatory 12 282–293

Identifier returned item
Zero-filled
Reserved Blank-space filled Alpha Mandatory 21 294–314

8.1.6. Trailer Record – Returned Direct Credits and Debits

The following table describes the format of the Trailer Record for Returned Direct Credits
and Debits:
Field Description/Notes Alpha / Mandatory / Size Position
Numeric Optional
Identifier Totals Numeric Mandatory 1 1
Always ‘9’
Item Sum of Detail Records Numeric Mandatory 9 2–10
count Right-justified, zero-filled
Value Sum of value of Detail Records with Numeric Mandatory 16 11–26
Total decimal point
Right-justified, zero-filled
Reserved Blank-space filled Alpha Mandatory 288 27–314

8.1.7. Header Record – Retuned Cheques

The following table describes the format of the Header Record for returned cheques:
Field Description/Notes Alpha / Mandatory / Size Position
Numeric Optional
Identifier Header Numeric Mandatory 1 1
Always ‘1’
Description Description of items Alpha Optional 30 2–31
Always ‘Returned Items’
Left-justified, blank-filled
Item Type Always ‘CHEQUE’ Optional 12 32–43
Left-justified, blank-filled Alpha

Version Version no. of file format Numeric Mandatory 4 44–47

Always ‘0001’
Right-justified, zero-filled
Date Date returned item processed Numeric Mandatory 10 48–57
DD-MM-YYYY format. (e.g. 01-01-

Page 65 of 265
 2011)
Reserved Blank-space filled Alpha Mandatory 257 58–314

8.1.8. Detail Record – Retuned Cheques

The following table describes the format of the Detail Record for returned cheques:
Field Description/Notes Alpha / Numeric Mandatory / Size Position
Optional
Identifier Item Type identifier Numeric Mandatory 1 1
Always ‘4’ (Cheque)
Return Date Date item was returned by Numeric Mandatory 10 2–11
Drawer’s financial institution
DD-MM-YYYY format. (e.g. 01-
01-2011)
Deposit Name of account to which Alpha / Numeric Mandatory 16 12–27
Account Short returned cheque was deposited
Name Left-justified, blank-filled
Deposit BSB BSB No. of account to which Numeric Mandatory 6 28–33
Number returned cheque was deposited
Deposit Account no. of account to which Alpha / Numeric Mandatory 21 34–54
Account returned cheque was deposited
Number Right-justified, blank-filled
Deposit Amount Total amount of deposit with Numeric, unsigned Mandatory 14 55–68
decimal point Decimal point
Right-justified, zero-filled Right-justified, zero-
filled
Deposit Serial Agent no. specified on deposit Numeric Optional 13 69–81
No. [if present]
Right-justified, blank-filled
Deposit Date Date the item was initially Numeric Mandatory 10 82–91
deposited. DD-MM-YYYY format.
Hyphens are a fixed
component
Cheque number Cheque serial no Numeric Mandatory 9 92–100
Right-justified, zero-filled
Reserved Blank filled Alpha Mandatory 11 101–111

Drawer Account Account name linked to Alpha / Numeric Mandatory 60 112–171

name returning cheque
Left-justified, blank-filled
Drawer Account BSB of returned cheque Numeric Mandatory 6 172–177
BSB
Drawer Account Account number of the returned Alpha/numeric Mandatory 21 178–198
number cheque
Right-justified, blank-filled
Amount Amount of cheque with decimal Numeric Mandatory 14 199–212
point
Right-justified, zero-filled,
unsigned
Return Reason Reason for the returned item Alpha / Numeric Mandatory 60 213–272
Text Left-justified, blank-filled
Return Reason Code to identify the reason for Alpha or Numeric Mandatory 3 273–275
Code the return

Reversal BSB of account to which the Numeric Mandatory 6 276–281

Account BSB returned cheque value was
placed

Page 66 of 265
Field Description/Notes Alpha / Numeric Mandatory / Size Position
Optional
Reversal Account no. of account to which Alpha/Numeric Mandatory 21 282–302
Account returned cheque value was
Number placed
Right-justified, blank-filled
Transaction ID System identification number Alpha/Numeric Mandatory 12 303–314
Number allocated to returned cheque
Right-justified, blank-filled

8.1.9. Trailer Record – Returned Cheques

The following table describes the format of the Trailer Record for returned cheques:

Field Description/Notes Alpha / Mandatory / Size Position

Numeric Optional
Identifier Always ‘9’ Numeric Mandatory 1 1

Item Sum of Detail Records Numeric Mandatory 9 2–10

count Right-justified, zero-filled
Value Sum of value of Detail Records with Numeric Mandatory 16 11–26
Total decimal point
Right-justified, zero-filled
Reserved Blank-space filled Alpha Mandatory 288 27–314

8.1.10. 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
004 Customer Deceased
005 No account or incorrect account number
006 Refer to customer
008 Invalid User ID Number
009 Technically invalid

8.1.11. 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

Page 67 of 265
 Return Code Return Reason
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
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 68 of 265
9. BTR File Formats (ANZ Transactive)

9.1. Introduction
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 Multicash
formats. The customer 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

9.2.1. 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

9.2.2. 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.

9.2.3. File Format – Balance Record

The Comma Separated Variable (CSV) file reports the below balance information separated
by a comma (,).

Field Description Alpha / Mandatory / Max

Numeric Optional Size

1 Balance Date Alpha Mandatory 11

Format DD-MMM-YYYY

2 Account Number Alpha Mandatory 20

BSB and Account Number

Page 69 of 265
Field Description Alpha / Mandatory / Max
Numeric Optional Size

3 Source of Account Alpha Mandatory 8

ANZ’s host system
CMM = corporate customer account
MIDANZ = foreign currency account
DATABANK – NZ account
HFR = retail customer account
NZXBNK – ANZ National Bank account

4 Account Format Alpha Mandatory 1

Indicates if there is a BSB present

5 Account Name Alpha Optional 16

Name of account registered with ANZ

6 Currency Code Alpha Mandatory 3

e.g. AUD

7 Opening Balance Numeric Mandatory 24

Signed, decimal point present

8 Closing Balance Numeric Mandatory 24

Signed, decimal point present

9 Debit Total Numeric Mandatory 24

Unsigned, Decimal point present

10 Number of Debits Numeric Mandatory 5

11 Credit Total Numeric Mandatory 24

Unsigned, Decimal point present

12 Number of Credits Numeric Mandatory 5

13 Debit Interest Rate Numeric Optional 7

To 4 decimal places

14 Credit Interest Rate Numeric Optional 7

To 4 decimal places

15 Overdraft Limit Numeric Optional 20

Unsigned, Decimal Point present

16 Debit Interest Accrued Numeric Optional 20

Unsigned, Decimal Point present

17 Credit Interest Accrued Numeric Optional 20

Unsigned, Decimal Point present

18 FID Accrued Numeric Optional 20

Unsigned, Decimal Point present

19 BAD Tax Accrued Numeric Optional 20

Unsigned, Decimal Point present

20 Next processing date Alpha Optional 11

Format DD-MMM-YYYY

Page 70 of 265
9.2.4. File Format – Transaction Record
The Comma Separated Variable (CSV) file reports the below transaction information
separated by a comma (,).

Alpha / Mandatory / Max

Field Description
Numeric Optional Size

Balance Date
1 Alpha Mandatory 11
Format DD-MMM-YYYY

Account Number
2 Alpha Mandatory 20
BSB and Account Number

Source of Account
ANZ’s host system
CMM = corporate customer account
3 MIDANZ = foreign currency account Alpha Mandatory 8
DATABANK – NZ account
HFR = retail customer account
NZXBNK – ANZ National Bank account

Account Format
4 Alpha Mandatory 1
Indicates if there is a BSB present

Account Name
5 Alpha Optional 16
Name of account registered with ANZ

Currency Code
6 Alpha Mandatory 3
e.g. AUD

Opening Balance
7 Numeric Mandatory 24
Signed, decimal point present

Closing Balance
8 Numeric Mandatory 24
Signed, decimal point present

Debit Total
9 Numeric Mandatory 24
Unsigned, Decimal point present

10 Number of Debits Numeric Mandatory 5

Credit Total
11 Numeric Mandatory 24
Unsigned, Decimal point present

12 Number of Credits Numeric Mandatory 5

Debit Interest Rate

13 Numeric Optional 7
To 4 decimal places

Credit Interest Rate

14 Numeric Optional 7
To 4 decimal places

Overdraft Limit
15 Numeric Optional 20
Unsigned, Decimal Point present

Page 71 of 265
9.3. Multicash File Format – SAPGen

9.3.1. 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

9.3.2. 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.

9.3.3. Balance Record

Field Description Alpha / Mandatory / Max

Numeric Optional Size

1 Bank Code Alpha Mandatory 12

The BSB of the account. Format NNN-NNN (hyphen
between the 3rd and 4th characters)

2 Account number Numeric/Alpha Mandatory 24

3 Statement Number Numeric Mandatory 5

Consecutive number starting with 1 and reset at
the start of a new year.

4 Statement Date Alpha/Numeric Mandatory 8

Date transactions were posted to the account.
Format DD.MM.YY (includes dots between dd/mm
and mm/yy)

5 Currency Alpha Mandatory 3

E.g. AUD for Australian Dollar Accounts

6 Beginning Balance Numeric Mandatory 18

Signed, Opening Balance of this file

7 Sum of Debits Numeric Mandatory 18

Unsigned, total value of debits in this file

8 Sum of Credits Numeric Mandatory 18

Unsigned, Total value of credits in this file

Page 72 of 265
Field Description Alpha / Mandatory / Max
Numeric Optional Size

9 Balance bought forward Numeric Mandatory 18

Signed, closing balance of this file

10 Account Name Alpha 35

Name of the Account as per the registration

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 Numeric Mandatory 5

account

9.3.4. Transaction Record

Field Description Alpha / Mandatory / Max

Numeric Optional Size

1 Bank Code Alpha/Numeric Mandatory 12

The BSB of the account. Format NNN-NNN (hyphen
between the 3rd and 4th characters)

2 Account number Alpha/Numeric Mandatory 24

3 Statement Number Numeric Optional 5

Consecutive number starting with 1 and reset at
the start of a new year

4 Statement Date Alpha/Numeric Mandatory 8

Date transactions were posted to the account.
Format DD.MM.YY (includes dots between dd/mm
and mm/yy)

5 Unused Alpha 10

6 Note to Payee 1 Alpha Optional 27

Transaction Type. Refer Appendix B

7 Unused Alpha 27

8 Unused Alpha 4

9 Unused Alpha 3

10 Cheque Number\Note to Payee 2 Alpha/Numeric Optional 16

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.

11 Transaction Amount Alpha/Numeric Mandatory 18

Signed

12 Unused Alpha 5

13 Sequence Number Numeric Mandatory 1

Value 0 (zero)

Page 73 of 265
Field Description Alpha / Mandatory / Max
Numeric Optional Size

14 Booking date Alpha/Numeric Mandatory 8

Date of transaction. Format DD.MM.YY (includes
dots between dd/mm and mm/yy)

15 Unused Alpha 15

16 Unused Alpha 15

17 Note to Payee 2 Alpha Optional 27

18 character reference

18 Note to Payee 3 Alpha Optional 27

1st 27 characters of the Long Statement Narrative

19 Note to Payee 4 Alpha Optional 27

nd
2 27 characters of the Long Statement Narrative

20 Note to Payee 5 Alpha Optional 27

3rd 27 characters of the Long Statement Narrative

21 Note to Payee 6 Alpha Optional 27

4th 27 characters of the Long Statement Narrative

22 Note to Payee 7 Alpha Optional 27

th
5 27 characters of the Long Statement Narrative

23 Note to Payee 8 Alpha Optional 27

6th 27 characters of the Long Statement Narrative

24 Note to Payee 9 Alpha Optional 27

th
7 27 characters of the Long Statement Narrative

25 Note to Payee 10 Alpha Optional 27

8th 27 characters of the Long Statement Narrative

26 Note to Payee 11 Alpha Optional 27

th
9 27 characters of the Long Statement Narrative

27 Note to Payee 12 Alpha Optional 27

10th 27 characters of the Long Statement Narrative

28 Note to Payee 13 Alpha Optional 27

10 character Aux Dom.

29 Note to Payee 14 Alpha Optional 27

Trace ID of the transaction

30 Unused Alpha 27

31 Unused Alpha 27

32 Unused Alpha 12

33 Unused Alpha 24

34 Transaction Code Numeric Mandatory 3

Bank Transaction Code. See Appendix B

35 Unused Alpha 6

Page 74 of 265
9.4. BAI File

9.4.1. 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.

9.4.2. 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 75 of 265
9.4.3. File Layout
The following table describes the layout of a BAI formatted file
Record Record name Description/Notes Mandatory/
type Optional

01 File Header Indicates the beginning of the file. Mandatory

There is only one File Header record per BAI file

02 Group Header Identifies a group of accounts for each originating Optional

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.

03 Account Identifier Identifies each account number and reports account Optional
and Summary Status 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.

16 Transaction Detail Reports transaction detail. Optional

There may be many Transaction Detail records for each
Account Identifier and Summary Status (03) record in
the file

88 Continuation Record Used if the data in any record exceeds the physical Optional
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.

49 Account Trailer Provides account level control totals. Optional

There will be one Account Trailer per Account Identifier
and Summary Status (03) record.

98 Group Trailer Provides group level control totals. Optional

There will be one Group Trailer record per Group Header
(02) record.

99 File Trailer Indicates the end of the logical file. Mandatory

There is only one File Trailer (99) record per BAI file.

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 76 of 265
9.4.4. 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 Your ANZ Transactive User Group ID Mandatory

4 File Creation Date Sender date. Mandatory

YYMMDD.

5 File Creation Time Server time and time-zone. Mandatory

HHMM 24 hour format.

6 File Identification Number Identification number defined by the Mandatory

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.

7 Reserved Not used by ANZ Transactive Optional

8 Reserved Not used by ANZ Transactive Optional

9 Version Number Always ‘2’. Mandatory

10 Delimiters Always ‘/’. Mandatory

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9.4.5. 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

2 Ultimate Receiver Always blank Optional

Identification

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 Mandatory

Group.
YYMMDD

6 As-of-Time HHmm – set to 0000 Mandatory

7 Reserved Not Used by ANZ Transactive – Always Optional

blank

8 As-of-Date Modifier Always ‘2’. Optional

9 Delimiters Always ‘/’. Mandatory

9.4.6. 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 Mandatory
financial institution.
The field is alphanumeric and includes
significant leading zeroes.

3 Currency Code Currency code from the item. Mandatory

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Field Description Comments Mandatory / Optional

4 Type Code Identifies the type of summary of status data. Optional

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 A for full list of BAI codes

5 Amount Decimal places are implied based on Currency Optional

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.

6 Item Count Integer field. Default is ‘unknown’. Optional

For summary type codes only; will be
defaulted for status type codes.

7 Funds Type Always null Optional

8 Reserved Not used by ANZ Transactive Optional

9 Reserved Not used by ANZ Transactive Optional

10 Reserved Not used by ANZ Transactive Optional

11 Delimiters Always ‘/’. Mandatory

Page 79 of 265
9.4.7. 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

2 Type Code Identifies the type of detail data (e.g. 399, Mandatory
699, etc.)
Refer to Appendix A for full list of BAI codes

3 Amount Decimal places are implied based on the Optional

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.

4 Reserved Not Used by ANZ Transactive Optional

5 Bank Reference Number Alphanumeric field defined by the originator. Optional

Will not contain a comma (,) or slash (/).

6 Customer Reference Alphanumeric field defined by the originator. Optional

Number Will not contain a comma (,) or slash (/).

7 Text Alphanumeric field defined by the originator. Optional

Will not begin with a slash (/), but may
contain a comma (,) or a slash (/) after the
first character.

8 Delimiters Always ‘/’. Mandatory

Page 80 of 265
9.4.8. 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 Optional
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.

3 Delimiters Delimiters are the same as for the preceding record. If Mandatory
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.

9.4.9. 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 Mandatory
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.

3 Number of Records Integer. The total number of records in the Mandatory

account, including the 03 records and all 16
and 88 records, and including this account
trailer 49 record.

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Field Description Comments Mandatory / Optional

4 Delimiters Always ‘/’. Mandatory

9.4.10. 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 Mandatory
records. This field includes the sign (+ or -) for
the total. If no sign precedes the total, the
default is positive

3 Number of Accounts Integer. The total number of 03 records in this Mandatory

group.

4 Number of Records Integer. The total number of all records written Mandatory
for this group, including 02, 03, 16, 88, 49 and
this 98 record.

5 Delimiters Always ‘/’. Mandatory

9.4.11. 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. Mandatory
This field includes the sign (+ or -) for the total. If
no sign precedes the total, the default is positive

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 Mandatory
this file, including 02, 03, 16, 88, 49, 98 and this 99
record.

5 Delimiters Always ‘/’. Mandatory

Page 82 of 265
9.5. NZ Statement Files (New Zealand Domestic Accounts only)

9.5.1. Introduction
Transactive will allow you to export information into another application such as a
spreadsheet or accounting software. The exported files are produced in one order only in
CSV format. The files can then be manipulated to sort the row of information into any order
Microsoft Excel allows.

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 chosen by
the user

An empty file(s) containing no records will be created if no balances and transactions are
available for the selection criteria chosen by the user.

If the file is system generated:

It will contain balance and transaction records for all accounts entitled to the reporting
product

No file(s) will be created if no balance and transaction records are available.

9.5.2. NZ Statement File(s) – Balance File

There is one Balance Record for each account within each date.

Field Description/Notes Alpha / Mandatory / Max

Numeric Optional Length

Page 83 of 265
Field Description/Notes Alpha / Mandatory / Max
Numeric Optional Length

Corporate ID CMS ID (Account Group identifier Numeric Mandatory 6

for Bank Use Only)
If account number begins with 06,
populate with 666666 else,
populate with 111111.

Account Identifies the account. Alphanumeric Mandatory 25

Number If account is 20 digits, export in
format “BB-BBBB-AAAAAAAAAA-
SSSS” (with quotes).
Otherwise, export in format “BB-
BBBB-AAAAAAA-SS” (with quotes)

Opening Opening Balance amount for the Numeric Mandatory 13

Balance account
Preceded by sign (- for debit,
blank for credit) + 9 numeric +
Decimal Point + 2 Decimal Places

Total Debit The total amount of all the debit Numeric Optional 13
Transactions transactions on the account
Preceded by sign (- ) + 9 numeric
+ Decimal Point + 2 Decimal
Places

Total Credit The total amount of all the credit Numeric Optional 13
Transactions transactions on the account
9 numeric + Decimal Point + 2
Decimal Places

Closing Balance Closing Balance amount for the Numeric Mandatory 13

account
Preceded by sign (- for debit,
blank for credit) + 9 numeric +
Decimal Point + 2 Decimal Places

Transaction Date transaction occurred Alphanumeric Mandatory 10

Date In format DD/MM/YYYY (with
quotes)

Short Name The client account name. In Alphanumeric Mandatory 20

Transactive the Client defined
account name is the Client Account
Name in Transactive. The Client
Account Name can be modified by
Transactive users. As a result, the
account name that displays on the
report may not be the legal
account name. (with quotes)

Page 84 of 265
9.5.3. NZ Statement File(s) – Transaction File
One transaction record will be created for each transaction associated with each account,
within each date.

9.5.4. Type 3 (Transaction Record)

Field Description/Notes Alpha / Mandatory / Max
Numeric Optional Length

Record Type Identifies the record type Numeric Mandatory 1

Populate with 3

Corporate ID CMS ID (Account Group identifier Numeric Mandatory 6

for Bank Use Only)
If account number begins with 06,
populate with 666666 else,
populate with 111111.

Account Identifies the account. Alphanumeric Mandatory 25

Number If account is 20 digits, export in
format “BB-BBBB-AAAAAAAAAA-
SSSS” (with quotes).
Otherwise, export in format “BB-
BBBB-AAAAAAA-SS” (with quotes)

Transaction Preceded by sign (- for debit, Numeric Mandatory 13

Amount blank for credit) + 9 numeric +
Decimal Point + 2 Decimal Places

Serial Number Serial Number Numeric Optional 12

Transaction The Code given to the transaction Numeric Mandatory 3

Code as identification
e.g. 000 = debit

Source Code The Type of transaction Alphanumeric Optional 2

e.g. AP = Automatic Payment
(with quotes)

Particulars Statement Details (with quotes) Alphanumeric Optional 17

Analysis Code Statement Details (with quotes) Alphanumeric Optional 12

Reference Statement Details (with quotes) Alphanumeric Optional 12

Other Party Name of the Other Party to the Alphanumeric Optional 20

Name transaction (with quotes)

Transaction Date transaction occurred. Alphanumeric Mandatory 10

Date In format DD/MM/YYYY (with
quotes)

Null Empty Field N/A Mandatory 0

Null Empty Field N/A Mandatory 0

Page 85 of 265
9.5.5. Type 5 (Opening Balance Record)
There is one opening balance record for each account within each date.

Field Description/Notes Alpha / Mandatory / Max

Numeric Optional Length

Record Type Identifies the record type Numeric Mandatory 1

Populate with 5

Corporate ID CMS ID (Account Group identifier Numeric Mandatory 6

for Bank Use Only)
If account number begins with 06,
populate with 666666 else,
populate with 111111.

Account Identifies the account. Alphanumeric Mandatory 25

Number If account is 20 digits, export in
format “BB-BBBB-AAAAAAAAAA-
SSSS” (with quotes).
Otherwise, export in format “BB-
BBBB-AAAAAAA-SS” (with quotes)

Opening Opening Balance amount for the Numeric Mandatory 13

Balance account
Preceded by sign (- for debit,
blank for credit) + 9 numeric +
Decimal Point + 2 Decimal Places

Null Empty Field (with quotes) N/A Mandatory 0

Null Empty Field (with quotes) N/A Mandatory 0

Particulars Populate with “OPENING Alphanumeric Mandatory 17

BALANCE” (with quotes)

Null Empty Field (with quotes) N/A Mandatory 0

Null Empty Field (with quotes) N/A Mandatory 0

Short Name The client account name. In Alphanumeric Mandatory 20

Transactive the Client defined
account name is the Client Account
Name in Transactive. The Client
Account Name can be modified by
Transactive users. As a result, the
account name that displays on the
report may not be the legal
account name. (with quotes)

Transaction Date transaction occurred. Alphanumeric Mandatory 10

Date In format DD/MM/YYYY (with
quotes)

Null Empty Field N/A Mandatory 0

Null Empty Field N/A Mandatory 0

Null Empty Field N/A Mandatory 0

Page 86 of 265
9.5.6. Type 6 (Closing Balance Record)

There is one closing balance record for each account within each date.

Field Description/Notes Alpha / Mandatory / Max

Numeric Optional Length

Record Type Identifies the record type Numeric Mandatory 1

Populate with 6

Corporate ID CMS ID (Account Group identifier Numeric Mandatory 6

for Bank Use Only)
If account number begins with 06,
populate with 666666 else,
populate with 111111.

Account Identifies the account. Alphanumeric Mandatory 25

Number If account is 20 digits, export in
format “BB-BBBB-AAAAAAAAAA-
SSSS” (with quotes).
Otherwise, export in format “BB-
BBBB-AAAAAAA-SS” (with quotes)

Closing Balance Closing Balance amount for the Numeric Mandatory 13

account
Preceded by sign (- for debit,
blank for credit) + 9 numeric +
Decimal Point + 2 Decimal Places

Null Empty Field (with quotes) N/A Mandatory 0

Null Empty Field (with quotes) N/A Mandatory 0

Particulars Statement Details Alphanumeric Mandatory 17

Populate with “CLOSING
BALANCE” (with quotes)

Null Empty Field (with quotes) N/A Mandatory 0

Null Empty Field (with quotes) N/A Mandatory 0

Short Name The client account name. In Alphanumeric Mandatory 20

Transactive the Client defined
account name is the Client Account
Name in Transactive. The Client
Account Name can be modified by
Transactive users. As a result, the
account name that displays on the
report may not be the legal
account name. (with quotes)

Transaction Date transaction occurred. Alphanumeric Mandatory 10

Date In format DD/MM/YYYY (with
quotes)

Null Empty Field N/A Mandatory 0

Null Empty Field N/A Mandatory 0

Null Empty Field N/A Mandatory 0

Page 87 of 265
9.5.7. Type 8 (Total Debits/Credits Record)

There are two of these records for each account within each date, one for debit and one for
credit transactions.
Field Description/Notes Alpha / Mandatory / Max
Numeric Optional Length

Record Type Identifies the record type Numeric Mandatory 1

Populate with 8.

Corporate ID CMS ID (Account Group identifier Numeric Mandatory 6

for Bank Use Only)
If account number begins with 06,
populate with 666666 else,
populate with 111111.

Account Identifies the account. Alphanumeric Mandatory 25

Number If account is 20 digits, export in
format “BB-BBBB-AAAAAAAAAA-
SSSS” (with quotes).
Otherwise, export in format “BB-
BBBB-AAAAAAA-SS” (with quotes)

Total Amount of Preceded by sign (- for debit, Numeric Mandatory 13

Transactions for blank for credit) + 9 numeric +
the account Decimal Point + 2 Decimal Places

Number of The total number of (Cr and Dr) Numeric Mandatory 6

transactions transactions for the account and
date.

Transaction The Code given to the transaction Numeric Mandatory 3

Code as identification.
Populate with 000 for Debits and
050 for Credits. This field should
correspond to the field below.

Particulars Populate with either “DEBITS” or Alphanumeric Mandatory 17

“CREDITS” (with quotes).
This field should correspond to the
field above.

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 transaction occurred. Alphanumeric Mandatory 10

Date In format DD/MM/YYYY (with
quotes)

Null Empty Field N/A Mandatory 0

Null Empty Field N/A Mandatory 0

Null Empty Field N/A Mandatory 0

Page 88 of 265
9.5.8. Type 9 (Grand Total Debits/Credits Record)

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 / Mandatory / Max
Numeric Optional Length

Record Type Identifies the record type Numeric Mandatory 1

Populate with 9

Corporate ID CMS ID (Account Group identifier Numeric Mandatory 6

for Bank Use Only)
Populate with 999999

Account In format BB-BBBB-AAAAAAA-SS Alphanumeric Mandatory 25

Number Populate with “99-9999-9999999-
99” (with quotes)

Total Amount of Preceded by sign (- for debit, Numeric Mandatory 13

Transactions for blank for credit) + 9 numeric +
All Accounts for Decimal Point + 2 Decimal Places
the date

Number of Total number of (Cr or Dr) Numeric Mandatory 6

transactions transactions for all accounts for
the date.

Transaction The Code given to the transaction Numeric Mandatory 3

Code as identification.
Populate with 000 for Debits and
050 for Credits. This field should
correspond to the field below.

Particulars Statement Details Alphanumeric Mandatory 17

Populate with either “DEBITS” or
“CREDITS” (with quotes). This field
should correspond to the field
above.

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 transactions occurred. Alphanumeric Mandatory 10

Date In format DD/MM/YYYY (with
quotes)

Null Empty Field N/A Mandatory 0

Page 89 of 265
10. Off-System BSB (OS BSB) (Australia only)

10.1. 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.

10.1.1. 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 description

1 Electronic Presentment (Paper) File

2 Direct Entry File

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.

10.2. 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.

Page 90 of 265
10.2.1. 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.

10.2.2. Header Record

The following table outlines format of the Header Record:

Field Description Alpha/ Mandatory Size Position

Numeric

Record Type Must be 9000 Numeric Mandatory 4 1–4

Identifier

Version Must be a Version number for the Record Numeric Mandatory 2 5–6
Type approved by MC1. Currently is 03.

Transmission date Format of YYYYMMDD Numeric Mandatory 8 7–14

Date electronic record is exchanged for
settlement.

BSB (Sending FI) Character positions 1 to 3 must be a valid 2 Numeric Mandatory 6 15–20
or 3-digit Institution Identifier issued by
APCA (refer to APCA publication 'BSB
Numbers in Australia').

BSB (Receiving FI) Character positions 1 to 3 must be a valid 2 Numeric Mandatory 6 21–26
or 3-digit Institution Identifier issued by
APCA (refer to APCA publication 'BSB
Numbers in Australia').

Date File Created Format YYYYMMDD Numeric Mandatory 8 27–34

Time File Created Format is hhmmss Numeric Mandatory 6 35–40

File Sequence Must be a unique number within Numeric Mandatory 3 41–43

Number transmission date and counterparty.
The purpose of this field is to match a File
Acknowledgment File to the original file it is
acknowledging.

Record Identifier Must identify the type of record in this file Numeric Mandatory 4 44–47
(e.g. 1010, 1011 etc).

10.2.3. Transaction Records

The following table outlines format of the Transaction Records:

Field Description Alpha/ Mandatory Size Position

Numeric

Record Type Must be 1010, 1011, 1012 or 1510 Numeric Mandatory 4 1–4
Identifier

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Field Description Alpha/ Mandatory Size Position
Numeric

Version Right-justified. Zero-filled. Numeric Mandatory 2 5–6

Must be a version number for the record type
approved by MCI. Currently is 03

BSB (Ledger FI) Character position 1 to 3 must be valid 2 or Numeric Mandatory 6 7 – 12

3-digit Institution Identifier issued by APCA
(refer to APCA publication ‘BSB Numbers in
Australia’). Identifies the address to
which the Item was sent, the Customers
unique BSB

BSB (Collecting Character position 1 to 3 must be valid 2 or Numeric Mandatory 6 13 – 18

FI) 3-digit Institution Identifier issued by APCA
(refer to APCA publication ‘BSB Numbers in
Australia’). Identifies the address to
which the Item and mailing advise must
be returned if rejected.

Transaction Code Right-justified, zero-filled. Numeric Mandatory 3 19 – 21

Must be an industry agreed transaction code
as set out in Appendix B of the APCS
Procedures.

Amount Must be value greater than zero. Show in Numeric Mandatory 12 22 – 33

cents without punctuation.
Unsigned

BSB (Depositors Character position 1 to 3 must be valid 2 or Numeric Optional 6 34 – 39

Nominated FI) 3-digit Institution Identifier issued by APCA
(refer to APCA publication ‘BSB Numbers in
Australia’). Identifies the domicile of the
account to which the value was credited.

Drawer Account Alpha (26 letters of the alphabet) numeric Alpha Mandatory 21 40 – 60
number 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).

Account number Alpha (26 letters of the alphabet) numeric, Alpha Optional 21 61 – 81
of depositor’s hyphens and blanks only are valid. Must not
Nominated contain all blanks or all zeros. Leading zeros,
account 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.

Auxiliary Domestic Must be maximum of 6 characters if field Numeric Mandatory 9 82 – 90

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).

Extra Auxiliary If present on the voucher, this information Numeric Optional 11 91 - 101
Domestic must be shown in this field.

BSB (Capturing Character position 1 to 3 must be valid 2 or Numeric Mandatory 6 102 - 107
FI) 3-digit Institution Identifier issued by APCA
(refer to APCA 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.

Page 92 of 265
Field Description Alpha/ Mandatory Size Position
Numeric

Transmission date Format of YYYYMMDD Date Electronic record Numeric Mandatory 8 108 - 115
is exchanged.

Capture Device Alpha Mandatory 3 116 - 118

Identifier Numeric

Transaction Numeric Mandatory 12 119 - 130

Identifier

Voucher Indicator Use voucher indicator codes as set out in Alpha Optional 1 131
APCS Procedures, Schedule 11, Rule 1.12.

Manual Repair Show ‘1’ if one or more fields have been Numeric Optional 1 132
manually entered or altered.

Voucher Required Format is CCYYMMDD. Must contain the next Numeric Optional 8 133-140
by Date business day in the relevant Region for this
record

Voucher Required Unique number generated at the creation of Numeric Optional 12 141-152
Transaction ID the record

Return Unique number generated at the creation of Numeric Optional 12 153-164

Transaction the record
Identifier

Return Code Must be a valid industry agreed return code Numeric Optional 3 165-167
as set out in APCS Procedures, Schedule 11,
Rule 2.10

Title of Account to Must contain “n/a” if the Title of Account is Alpha Optional 60 168-227
be Debited unavailable. Numeric

BSB (Transferee Character position 1 to 3 must be valid 2 or Numeric Optional 6 228-233

FI) 3-digit Institution Identifier issued by APCA
(refer to APCA publication ‘BSB Numbers in
Australia’).

Refusal Unique number generated at the creation of Numeric Optional 12 234-245

Transaction the record.
Identifier

Refusal Code Must be a valid industry agreed refusal code Numeric Optional 2 246-247
as set out in APCS Procedures, Schedule 11,
Rule 3.7

10.2.4. File Total Record

The following table outlines format of the File Total Record:

Field Description Alpha/ Mandatory Size Position

Numeric

Record Type Must be 9090. Numeric Mandatory 4 1–4

Identifier

Version Must be a Version number for the Record Type Numeric Mandatory 2 5–6
approved by MC1. Currently is 03.

File Credit Total Must equal the accumulated value of credit Items Numeric Mandatory 18 7–24
Amount in the file.
Must equal zero if an empty file.
Must equal zero if a not for value file.

File Debit Total Must equal the accumulated value of debit Items Numeric Mandatory 18 25–42
Amount in the file.
Must equal zero if an empty file.
Must equal zero if a not for value file.

Page 93 of 265
Field Description Alpha/ Mandatory Size Position
Numeric

File Count of Non- Must equal the accumulated number of non-value Numeric Mandatory 6 43–48
Value Items Items in the file.
Must equal zero if an empty file.
Must equal one if an acknowledgment file.

File Count of Credit Must equal the accumulated number of credit Numeric Mandatory 6 49 – 54
Items Items in the file.
Must equal zero if an empty file.
Must equal zero if a not for value file.

File Count of Debit Must equal the accumulated number of debit Numeric Mandatory 6 55 - 60
Items Items in the file.
Must equal zero if an empty file.
Must equal zero if a not for value file.

10.3. File Format - Direct Entry

10.3.1. Direct Entry File Header Record

The following table outlines format of the Direct Entry Header Record:

Field Description Alpha/ Mandatory Size Position

Numeric

Record Type Must be 0. Numeric Mandatory 1 1

Blank Must be blank filled. Alpha Mandatory 17 2 - 18

Numeric

Reel Sequence Right-justified, zero-filled. Numeric Mandatory 2 19 - 20

Number Must be numeric commencing at 01.

Name of User Contains ‘ANZ’. Alpha Mandatory 3 21 - 23

Financial Institution Numeric

Blank Must be blank filled. Alpha Mandatory 7 24 - 30

Numeric

Name of User Left-justified, blank-filled. Alpha Mandatory 26 31 - 56

Supplying File Must not be all blanks. Contains the preferred Numeric
name of the Direct Entry User.

Number of User Right-justified, zero-filled. Contains the Direct Numeric Mandatory 6 57 - 62

Supplying File Entry User ID as assigned by APCA and Financial
Institutions.

Description of Left-justified, blank-filled. Must not be all blanks. Alpha Mandatory 12 63 - 74

Entries on File Numeric

Date to be Must be a valid date in the format DDMMYY. Numeric Mandatory 6 75 - 80

processed

Blank Must be blank-filled. Alpha Mandatory 40 81 - 120

Numeric

Page 94 of 265
10.3.2. Direct Entry Exchange Record (Type 1)
The following table outlines format of the Direct Entry Exchange Record (Type 1):

Field Description Alpha/ Mandatory Size Position

Numeric

Record Type Must be 1. Numeric Mandatory 1 1

BSB Number Numeric with a hyphen in character position 4. Alpha Mandatory 7 2-8
Character positions 1 to 3 must be a valid 2 or Numeric
3-digit Institution Identifier issued by APCA.

Account Number to Right-justified. Must not contain all blanks or Alpha Mandatory 9 9 - 17
be Credited/Debited all zeroes. Numeric
Right-justified, zero-filled

Indicator Must be blank filled. Alpha Mandatory 1 18

Numeric

Transaction Code Right-justified, zero-filled. Numeric Mandatory 2 19 - 20

Values 13, 50 to 57.

Amount Unsigned Numeric Mandatory 10 21- 30

Right-justified, zero-filled.
Value in cents without punctuation.

Title of Account to Left-justified, blank-filled. Alpha Mandatory 32 31 - 62

be Credited/ Must not contain all blanks. As entered by Numeric
Debited payee.

Lodgement Left-justified, blank-filled. As entered by Alpha Mandatory 18 63 - 80

Reference payee. Numeric

Trace Record BSB Numeric with a hyphen in character position 4. Alpha Mandatory 7 81 - 87
Character positions 1 to 3 must be a valid 2 or Numeric
3-digit Institution Identifier issued by APCA.
Contains BSB number of User, to enable
tracing of the entry.

Trace Record Right-justified. Alpha Mandatory 9 88 - 96

Account Number Contains account number of User, to enable Numeric
tracing of the entry.

Name of Remitter Left-justified, blank-filled. Alpha Mandatory 16 97 - 112

Contains the name of the originator of the Numeric
entry.

Amount of Unsigned Numeric Mandatory 8 113 -120

withholding tax Right-justified, zero-filled.
Value in cents without punctuation.

10.3.3. Direct Entry File Total Record

The following table outlines the format of the Direct Entry File Total Record:
Field Description Alpha/ Mandatory Size Position
Numeric

Record Type Must be 7. Numeric Mandatory 1 1

BSB Number Must be 999-999. Alpha Mandatory 7 2-8

Numeric

Page 95 of 265
Field Description Alpha/ Mandatory Size Position
Numeric

Blank Must be zero-filled. Alpha Mandatory 12 9 - 20

Numeric

Net Total Unsigned Numeric Mandatory 10 21 - 30

Amount Right-justified, zero-filled.
Value in cents without punctuation. Must equal the
difference between the Credit and Debit Total
amounts.

Credit Total Unsigned Numeric Mandatory 10 31 - 40

Amount Right-justified, zero-filled.
Value in cents without punctuation. Must equal the
accumulated value of credit Items in the file.

Debit Total Unsigned Numeric Mandatory 10 41 - 50

Amount Right-justified, zero-filled.
Value in cents without punctuation. Must equal the
accumulated value of debit Items in the file.

Blank Must be zero-filled. Alpha Mandatory 24 51 - 74

Numeric

Item Count Right-justified, zero-filled. Numeric Mandatory 6 75 - 80

Must equal the accumulated number of Items in the
file.

Blank Must be zero-filled. Alpha Mandatory 40 81 - 120

Numeric

10.4. Return/Refusal File

10.4.1. Direct Entry & GDES File Header Record (Type 0)

The following table outlines the format of Direct Entry & GDES File Header Record:
Field Description Alpha / Mandatory Size Position
Numeric / Optional

Record Type Must be 0. Numeric Mandatory 1 1

Blank Must be blank filled. Alpha Mandatory 17 2 - 18

Numeric

Reel Sequence Right-justified, zero-filled. Numeric Mandatory 2 19 - 20

Number Must be numeric commencing at 01.

Name of User Left justified. Blank filled. Alpha Mandatory 3 21 - 23

Financial Type 1 - Mnemonic of User Supplying File Numeric
Institution
Type 2 - Mnemonic of Financial Institution
Initiating return of the Returned Item
Type 3 - Mnemonic of Financial Institution
Initiating return of the Returned Refusal

Blank Must be blank filled. Alpha Mandatory 7 24 - 30

Numeric

Name of User Left-justified, blank-filled. Alpha Mandatory 26 31 - 56

Supplying File Must not be all blanks. Contains the Numeric
preferred name of the Direct Entry User.

Number of User Right-justified, zero-filled. Contains the Numeric Mandatory 6 57 - 62

Supplying File Direct Entry User ID as assigned by APCA
and Financial Institutions.

Page 96 of 265
Field Description Alpha / Mandatory Size Position
Numeric / Optional

Description of Left-justified, blank-filled. Must not be all Alpha Mandatory 12 63 - 74

Entries on File blanks. Numeric

Type 1 - Date to Must be a valid date in the format Numeric Mandatory 6 75 - 80

be processed DDMMYY.
Type 2 - Date of
return of the
Returned Item
Type 3 - Date of
Refusal

Blank Must be blank-filled. Alpha Mandatory 40 81 - 120

Numeric

Page 97 of 265
10.4.2. Direct Entry & GDES Rejected Record (Type 2)
The following table shows Direct Entry & GDES Rejected Record (Type 2):
Field Description Alpha / Mandatory Size Position
Numeric / Optional

Record Type Must be 2. Numeric Mandatory 1 1

BSB Number Must match field 9 on original Alpha Mandatory 7 2-8

Direct Entry Exchange (Type 1) Numeric
record.

Account Number to be Must match field 10 on original Alpha Mandatory 9 9 - 17

Credited/Debited Direct Entry Exchange (Type 1) Numeric
record.

Return Code Must be a valid Industry Return Numeric Mandatory 1 18

Code. Refer BECS Procedures
clause 4.7.

Transaction Code Must match field 5 on original Numeric Mandatory 2 19 - 20

Direct Entry Exchange (Type 1)
record.

Amount Must match field 6 on original Numeric Mandatory 10 21 - 30

Direct Entry Exchange (Type 1)
record.

Title of Account to be Must match field 7 on original Alpha Mandatory 32 31 - 62

Credited/Debited Direct Entry Exchange (Type 1) Numeric
record.

Lodgement Reference Must match field 8 on original Alpha Mandatory 18 63 - 80

Direct Entry Exchange (Type 1) Numeric
record.

Trace Record BSB Must match field 2 on original Alpha Mandatory 7 81 - 87

Direct Entry Exchange (Type 1) Numeric
record.

Trace Record Account Must match field 3 on original Alpha Mandatory 9 88 - 96

Number Direct Entry Exchange (Type 1) Numeric
record.

Name of Remitter Must match field 11 on original Alpha Mandatory 16 97 - 112

Direct Entry Exchange (Type 1) Numeric
record.

Original Day of Processing Format DD. Must match first 2- Numeric Mandatory 2 113 - 114
bytes of field 9 on original Direct
Entry Header record.

Original User’s ID Number Must match field 7 on original Numeric Mandatory 6 115 - 120
Direct Entry Header record.

Page 98 of 265
10.4.3. Direct Entry & GDES Refusal Record (Type 3)
The following table shows Direct Entry & GDES Refusal Record (Type 3):

Field Description Alpha / Mandatory Size Position

Numeric / Optional
Record Type Must be 3. Numeric Mandatory 1 1

BSB Number Must match field 9 on original Alpha Mandatory 7 2-8

Direct Entry Rejected (Type 2) Numeric
record.

Account Number to be Must match field 10 on original Alpha Mandatory 9 9 - 17

Credited/Debited Direct Entry Rejected (Type 2) Numeric
record.

Refusal Code Must be a valid Industry Refusal Numeric Mandatory 1 18

Code. Refer BECS Procedures
clause 4.8.

Transaction Code Must match field 5 on original Numeric Mandatory 2 19 - 20

Direct Entry Rejected (Type 2)
record.

Amount Must match field 6 on original Numeric Mandatory 10 21 - 30

Direct Entry Rejected (Type 2)
record.

Title of Account to be Must match field 7 on original Alpha Mandatory 32 31 - 62

Credited/Debited Direct Entry Rejected (Type 2) Numeric
record.

Lodgement Reference Must match field 8 on original Alpha Mandatory 18 63 - 80

Direct Entry Rejected (Type 2) Numeric
record.

Trace Record BSB Must match field 2 on original Alpha Mandatory 7 81 - 87

Direct Entry Rejected (Type 2) Numeric
record.

Trace Record Account Must match field 3 on original Alpha Mandatory 9 88 - 96

Number Direct Entry Rejected (Type 2) Numeric
record.

Name of Remitter Must match field 11 on original Alpha Mandatory 16 97 - 112

Direct Entry Rejected (Type 2) Numeric
record.

Original Day of Return Format DD. Must match first 2- Numeric Mandatory 2 113 - 114
bytes of field 9 on original Direct
Entry Header record.

Original User’s ID Must match field 13 on original Numeric Mandatory 6 115 - 120
Number Direct Entry Rejected (Type 2)
record.

Page 99 of 265
10.4.4. Summary Report
The summary report is issued daily on every business day. Below is a sample of a typical
Daily Summary Report

10.5. GDES File

10.5.1. GDES File Header Record

The following table outlines format of the GDES Header Record:

Field Description Alpha/ Mandatory Size Position

Numeric

Record Type Must be 0. Numeric Mandatory 1 1

Blank Must be blank filled. Alpha Mandatory 17 2 - 18

Numeric

Reel Sequence Right-justified, zero-filled. Numeric Mandatory 2 19 - 20

Number Must be numeric commencing at 01.

Name of User Contains ‘ANZ’. Alpha Mandatory 3 21 - 23

Financial Institution Numeric

Blank Must be blank filled. Alpha Mandatory 7 24 - 30

Numeric

Name of User Left-justified, blank-filled. Alpha Mandatory 26 31 - 56

Supplying File Must not be all blanks. Contains the preferred Numeric
name of the Direct Entry User.

Number of User Right-justified, zero-filled. Contains the Direct Numeric Mandatory 6 57 - 62

Supplying File Entry User ID as assigned by APCA and Financial
Institutions.

Description of Left-justified, blank-filled. Must not be all blanks. Alpha Mandatory 12 63 - 74

Entries on File Numeric

Date to be Must be a valid date in the format DDMMYY. Numeric Mandatory 6 75 - 80

processed

Blank Must be blank-filled. Alpha Mandatory 40 81 - 120

Numeric

Page 100 of 265

10.5.2. GDES Exchange Record (Type 1)
The following table outlines format of the GDES Exchange Record (Type 1):

Field Description Alpha/ Mandatory Size Position

Numeric

Record Type Must be 1. Numeric Mandatory 1 1

BSB Number Numeric with a hyphen in character position 4. Alpha Mandatory 7 2-8
Character positions 1 to 3 must be a valid 2 or Numeric
3-digit Institution Identifier issued by APCA.

Account Number to Right-justified. Must not contain all blanks or Alpha Mandatory 9 9 - 17
be Credited/Debited all zeroes. Numeric
Right-justified, zero-filled

Indicator Must be blank filled. Alpha Mandatory 1 18

Numeric

Transaction Code Right-justified, zero-filled. Numeric Mandatory 2 19 - 20

Values 13, 50 to 57.

Amount Unsigned Numeric Mandatory 10 21- 30

Right-justified, zero-filled.
Value in cents without punctuation.

Title of Account to Left-justified, blank-filled. Alpha Mandatory 32 31 - 62

be Credited/ Must not contain all blanks. As entered by Numeric
Debited payee.

Lodgement Left-justified, blank-filled. As entered by Alpha Mandatory 18 63 - 80

Reference payee. Numeric

Trace Record BSB Numeric with a hyphen in character position 4. Alpha Mandatory 7 81 - 87
Character positions 1 to 3 must be a valid 2 or Numeric
3-digit Institution Identifier issued by APCA.
Contains BSB number of User, to enable
tracing of the entry.

Trace Record Right-justified. Alpha Mandatory 9 88 - 96

Account Number Contains account number of User, to enable Numeric
tracing of the entry.

Name of Remitter Left-justified, blank-filled. Alpha Mandatory 16 97 - 112

Contains the name of the originator of the Numeric
entry.

Amount of Unsigned Numeric Mandatory 8 113 -120

withholding tax Right-justified, zero-filled.
Value in cents without punctuation.

10.5.3. GDES File Total Record

The following table outlines the format of the GDES File Total Record:
Field Description Alpha/ Mandatory Size Position
Numeric

Record Type Must be 7. Numeric Mandatory 1 1

BSB Number Must be 999-999. Alpha Mandatory 7 2-8

Numeric

Page 101 of 265

Field Description Alpha/ Mandatory Size Position
Numeric

Blank Must be zero-filled. Alpha Mandatory 12 9 - 20

Numeric

Net Total Unsigned Numeric Mandatory 10 21 - 30

Amount Right-justified, zero-filled.
Value in cents without punctuation. Must equal the
difference between the Credit and Debit Total
amounts.

Credit Total Unsigned Numeric Mandatory 10 31 - 40

Amount Right-justified, zero-filled.
Value in cents without punctuation. Must equal the
accumulated value of credit Items in the file.

Debit Total Unsigned Numeric Mandatory 10 41 - 50

Amount Right-justified, zero-filled.
Value in cents without punctuation. Must equal the
accumulated value of debit Items in the file.

Blank Must be zero-filled. Alpha Mandatory 24 51 - 74

Numeric

Item Count Right-justified, zero-filled. Numeric Mandatory 6 75 - 80

Must equal the accumulated number of Items in the
file.

Blank Must be zero-filled. Alpha Mandatory 40 81 - 120

Numeric

Page 102 of 265

11. ANZ Receivables Management

11.1. 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

11.1.1. 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

11.1.2. 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

AGENT/DC/INTERNET/OS REMT/RTGS/CASH Receivables balance and transaction

STATEMENT
CHQ/BPAY STD reporting (BTR)

PAYMENT ARM Direct entry transactions for ARM BSB

PAYMENT BPAY PLUS BPAY+ transactions

Interactive Voice Recognition (IVR)

PAYMENT 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 9 for more details

Page 103 of 265

11.2. 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.

11.2.1. Detail Record

Mandatory /
Field Definition Type
Optional

CFFID 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 AN Mandatory

Customer number

Narrative AN Mandatory
Customer/Company Name (Full)

Amount BLANK N Optional

Currency BLANK AN Optional

Reference AN Optional
Optional additional reference number

Invoice No Invoice number AN Mandatory

Invoice Amount Invoice amount (total) N Mandatory

Invoice Currency ISO Currency code for invoice AN Mandatory

Payment Method AN Optional

BLANK

Entry Method AN Optional

BLANK

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

ExtraInfo6 BLANK N Optional

Page 104 of 265

 Mandatory /
Field Definition Type
Optional

ExtraInfo7 BLANK N Optional

ExtraInfo8 BLANK N Optional

ExtraInfo9 BLANK N Optional

ExtraInfo10 BLANK N Optional

ExtraInfo11 Date Optional

BLANK

ExtraInfo12 Date Optional

BLANK

Page 105 of 265

 11.3. Collection Detail File
This file format is output from ANZ Receivables Management and accommodates both
matched and unmatched transactions.

11.3.1. File Structure

CFF ID Type Description No. of Fields No. of records

0 File Header Record First record of the file. Includes unique 4 1

customer ID.

1 Detail Record Contains one record each transaction. 38 Many

9 File Trailer Record Contains file control totals. 8 1

11.3.2. 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

11.3.3. Detail Record

Each detail record represents either a collection (statement or payment), invoice or
remittance advice.

Field Definition Type

CFFID Denotes detail record. Constant value of “1”. AN

Load Date Date file is processed Date

Rec Type Identifies the record type. AN

(Refer to table 1.2 Record Types above)

Sub Type Identifies sub-type of record where multiple types. AN

(Refer to table 1.2 Record Types above)

Instruction Date Date of payment/transaction date. Date

LOCKBOX: Instruction date is date cheque is captured.
OTEM: Refer to invoice file format specification.
Blank for remittance advice.

Value Date Value date of payment/settlement date. Date

LOCKBOX: Value date is date cheque is captured.
ARM: Value date is the date the payment is processed.

Page 106 of 265

Field Definition Type

OTEM: Refer to invoice file format specification.

Blank for remittance advice.

Cust Reference AN
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.

Narrative AN
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.

Amount Transaction Amount of payment. N

REM TOTAL: Remittance advice total. Blank for REM DETAIL.

OTEM: Blank

Currency ISO currency code where ‘Amount’ is populated. Otherwise, blank. AN

Reference AN
Statement/payment trace or sequence ID.

OTEM: Refer to invoice file format specification.

Blank for remittance advice.

Invoice No Reference number of open item due for payment. AN

Populated on OTEM and REMITTANCE DETAIL records only.

Invoice Amount Total amount of open item due for payment. N

Populated on OTEM and REMITTANCE DETAIL records only.

Invoice Currency AN
ISO Currency code where ‘Invoice Amount’ is populated. Otherwise blank.

Payment Method AN
Method of payment or transaction code where available for STATEMENT and
PAYMENT records only. Otherwise blank.

Entry Method AN
Method of entry or capture mode (LOCKBOX) where available for STATEMENT
and PAYMENT records only. Otherwise blank.

Account Account number for STATEMENT or PAYMENT transactions where available, AN

otherwise blank.

OTEM: Refer to invoice file format specification.

REMITTANCE: Unique processing document ID

Rec Name Name of reconciliation created in ANZ Receivables Management AN

Page 107 of 265

Field Definition Type

OTEM: Refer to invoice file format specification.

Client AN
Client name

REMITTANCE TOTAL: Name of company paying

ExtraInfo1 AN
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.

ExtraInfo2 AN
Reserved for enrichment or additional information.

OTEM: Refer to invoice file format specification.

ExtraInfo3 AN
Reserved for enrichment or additional information.

OTEM: Refer to invoice file format specification.

ExtraInfo4 AN
Reserved for enrichment or additional information.

OTEM: Refer to invoice file format specification.

ExtraInfo5 AN
Reserved for enrichment or additional information.

OTEM: Refer to invoice file format specification.

ExtraInfo6 N
Reserved for enrichment or additional information.

OTEM: Refer to invoice file format specification.

ExtraInfo7 N
Reserved for enrichment or additional information.

OTEM: Refer to invoice file format specification.

ExtraInfo8 N
Reserved for enrichment or additional information.

OTEM: Refer to invoice file format specification.

ExtraInfo9 N
Reserved for enrichment or additional information.

OTEM: Refer to invoice file format specification.

ExtraInfo10 N
Reserved for enrichment or additional information.

OTEM: Refer to invoice file format specification.

ExtraInfo11 Date
Reserved for enrichment or additional information.

OTEM: Refer to invoice file format specification.

ExtraInfo12 Date
Reserved for enrichment or additional information.

OTEM: Refer to invoice file format specification.

Denotes match status of transaction.

Unmatched = UNMATCHED
Match Status AN
System match = AUTO
User match = MANUAL

Match Group ID Unique match ID linking all transactions in the match group. AN

Page 108 of 265

Field Definition Type

Where match status is UNMATCHED, match group ID will be blank.

Name of business rule used to create match.

Match Name AN
Where match status is UNMATCHED, match name will be blank.

Name of user who has actioned the match.

System match = SYSTEM
User AN
Manual match = Client user name
Where match status is UNMATCHED, user will be blank.

Date of match by system or user

Match Date AN
Where match status is UNMATCHED, match date will be blank.

Time of match by system or user

Match Time AN
Where match status is UNMATCHED, match date will be blank.

11.3.4. Trailer Record

Field Definition Type

CFF ID Denotes detail record. Constant value of “9” N

Contains the total number of payment and/or statement credit items for this
Credit Items Count N
file.

Debit Total Count Blank (Reserved for future use) N

System Matched Contains the total number of payment and/or statement detail records with
N
Count AUTO match status for this file.

Contains the total number of payment and/or statement detail records with
User Matched Count N
MANUAL match status for this file.

Unmatched Count Contains the total number of payment and/or statement detail records with N
UNMATCHED match status for this file.

Contains the total number of OTEM records with AUTO or MANUAL status for
Invoice Count N
this file.

Number of Records Identifies the total number of records for this file. N

Page 109 of 265

11.4. Collection Summary File
Provides control totals and summarises collection data by channel and account contained in
the detail file.

11.4.1. File Structure

Number of Number of
CFF ID Type Description
Fields Records

0 File Header Record First record of the file. Includes unique 4 1

customer ID.

1 Detail Record Contains one record each transaction. 11 Many

9 File Trailer Record Contains file control totals. 2 1

11.4.2. 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

11.4.3. Detail Record

Each detail record represents a transaction summary for the collection data by channel and
account.

Field Definition Type

CFFID Denotes detail record. Constant value of “1”. AN

Load Date Date file is processed Date

Rec Type Identifies rec-type of record as PAYMENT or STATEMENT AN

Sub Type Identifies sub-type of PAYMENT or STATEMENT AN

(Refer to table 1.2 Record Types above)

Account AN
Identifies the account of the collection. For BPAY and LOCKBOX this will contain the
Biller Code.

Currency ISO currency code of reconciliation AN

Credit Total Amount Contains total value of payment and/or statement credit items N

Credit Items Count Contains the total number of payment and/or statement credit items N

Debit Total Amount Blank (Reserved for future use) N

Page 110 of 265

Debit Total Count Blank (Reserved for future use) N

Number of Records Identifies the total number of records for this account. N

11.4.4. Trailer Record

Field Definition Type

CFF ID Denotes detail record. Constant value of “9” N

Number of Records Contains the total number of records for the file N

Page 111 of 265

12. Agency Clearing (Australia only)

12.1. Introduction
The following section outlines the file format specifications for Agency Clearing files.
A data file that ANZ will send to you informing you of any debits/credits that may have
taken place on your behalf.

12.2. 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

J TPC Returned Cheque Deposits Report

M Cash and Cheque Deposit Report

X Returns/Refusals Report

Monthly Billing Report = BILLRPyymmdd

Cheque Encashment Report = CHQENRyymmdd
All file names can be changed via request.

Page 112 of 265

12.3. File Format - Electronic Presentment (Paper)

12.3.1. Header record

The following table outlines the format of the Header Record:
Field Description Alpha / Mandatory / Size Position
Numeric Optional

Record Type Must be 9000. Numeric Mandatory 4 1–4

Identifier

Version Must be a Version number for the Record Type Numeric Mandatory 2 5–6
approved by MC1. Currently is 03.

Transmission Format of CCYYMMDD Numeric Mandatory 8 7–14

date Date electronic record is exchanged for
settlement.

BSB (Sending Character positions 1 to 3 must be a valid 2 or 3- Numeric Mandatory 6 15–20

FI) digit Institution Identifier issued by APCA (refer to
APCA publication 'BSB Numbers in Australia').

BSB (Receiving Character positions 1 to 3 must be a valid 2 or 3- Numeric Mandatory 6 21–26

FI) digit Institution Identifier issued by APCA (refer to
APCA publication 'BSB Numbers in Australia').

Date File Format CCYYMMDD. Numeric Mandatory 8 27–34

Created

Time File Format is hhmmss. Numeric Mandatory 6 35–40

Created

File Sequence Must be a unique number within transmission Numeric Mandatory 3 41–43
Number date and counterparty.
The purpose of this field is to match a File
Acknowledgment File to the original file it is
acknowledging.

Record Must identify the type of record in this file (e.g. Numeric Mandatory 4 44–47
Identifier 1010, or 1011, etc.).

12.3.2. Transaction Records

The following table outlines the format of the Transaction Records:
Field Description Alpha / Mandatory / Size Position
Numeric Optional

Record Type Must be 1010, 1011, 1012, or 1510. Numeric Mandatory 4 1-4
Identifier

Version Right-justified. Zero-filled. Numeric Mandatory 2 5-6

Must be a version number for the record type
approved by MCI. Currently is 03.

BSB (Ledger FI) Character position 1 to 3 must be valid 2 or 3- Numeric Mandatory 6 7 - 12

digit Institution Identifier issued by APCA (refer
to APCA publication ‘BSB Numbers in Australia’).
Identifies the address to which the Item
and mailing advice must be returned if
rejected.

Page 113 of 265

Field Description Alpha / Mandatory / Size Position
Numeric Optional

BSB (Collecting Character position 1 to 3 must be valid 2 or 3- Numeric Mandatory 6 13 - 18

FI) digit Institution Identifier issued by APCA (refer
to APCA publication ‘BSB Numbers in Australia’).
Identifies the address to which the I tem
and mailing advise must be returned if
rejected.

Transaction Right-justified, zero-filled. Numeric Mandatory 3 19 - 21

Code Must be an industry agreed transaction code as
set out in Appendix B of the APCS Procedures.

Amount Must be value greater than zero. Show in cents Numeric Mandatory 12 22 - 33
without punctuation.
Unsigned.

BSB Character position 1 to 3 must be valid 2 or 3- Numeric Optional 6 34 - 39

(Depositors digit Institution Identifier issued by APCA (refer
Nominated FI) to APCA 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.

Drawer Account Alpha (26 letters of the alphabet)numeric, Alpha Mandatory 21 40 - 60

number 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).

Account Alpha (26 letters of the alphabet) numeric, Alpha Optional 21 61 - 81

number of hyphens and blanks only are valid. Must not
depositor’s contain all blanks or all zeros. Leading zeros,
Nominated which are parts of an account number must be
account 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.

Auxiliary Must be maximum of 6 characters if field shows Numeric Mandatory 9 82 - 90

Domestic 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).

Extra Auxiliary If present on the voucher, this information must Numeric Optional 11 91 - 101
Domestic be shown in this field.

BSB (Capturing Character position 1 to 3 must be valid 2 or 3- Numeric Mandatory 6 102 - 107
FI) digit Institution Identifier issued by APCA (refer
to APCA 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.

Transmission Format of CCYYMMDD Date Electronic record is Numeric Mandatory 8 108 - 115
date exchanged.

Capture Device Alpha Mandatory 3 116 - 118

Identifier Numeric

Page 114 of 265

Field Description Alpha / Mandatory / Size Position
Numeric Optional

Transaction Numeric Mandatory 12 119 - 130

Identifier

Voucher Use voucher indicator codes as set out in APCS Alpha Optional 1 131
Indicator Procedures, Schedule 11, Rule 1.12.

Manual Repair Show ‘1’ if one or more fields have been Numeric Optional 1 132
manually entered or altered.

Voucher Format is CCYYMMDD Numeric Mandatory for 8 133 - 140

Mandatory by Must contain the next business day in the 1011, 1012
Date relevant Region for this record. and 1510
records only

Voucher Unique number generated at the creation of the Numeric Mandatory for 12 141 - 152
Mandatory record. 1011, 1012
Transaction ID and 1510
records only

Return Unique number generated at the creation of the Numeric Mandatory for 12 153 - 164
transaction record. 1011 and
identifier 1012 records
only

Return Code Must be a valid industry agreed return code as Numeric Mandatory for 3 165 - 167
set out in APCS Procedures, Schedule 11, Rule 1011 and
2.10. 1012 records
only

Title of account Must contain “n/a” if the Tile of Account is Alpha Mandatory for 60 168 - 227
to be Debited unavailable. Numeric 1011 and
Actual account name form is not validated. 1012 records
only
Must not contain all blanks.

BSB Character positions 1 to 3 must be valid 2 or 3- Numeric Optional 6 228 - 233

(Transferee FI) digit Institution Identifier issued by APCA (refer
to APCA publication ‘BSB Numbers in Australia’).
Must be used only in conjunction with return
code 915.

Refusal Unique number generated at the creation of the Numeric Mandatory for 12 234 - 245
Transaction record. 1012 records
Identifier only

Refusal Code Must be a valid industry agreed refusal code as Numeric Mandatory for 2 246 - 247
set out in the APCS Procedures, Schedule 11, 1012 records
and Rule 3.7. only

12.3.3. File Total Record

The following table outlines the format of the File Total Record:
Field Description Alpha / Mandatory / Size Position
Numeric Optional

Record Type Must be 9090. Numeric Mandatory 4 1–4

Identifier

Version Must be a Version number for the Record Numeric Mandatory 2 5–6
Type approved by MC1. Currently is 03.

File Credit Total Must equal the accumulated value of credit Numeric Mandatory 18 7–24
Amount Items in the file.
Must equal zero if an empty file.
Must equal zero if a not for value file.

Page 115 of 265

Field Description Alpha / Mandatory / Size Position
Numeric Optional

File Debit Total Must equal the accumulated value of debit Numeric Mandatory 18 25–42
Amount Items in the file.
Must equal zero if an empty file.
Must equal zero if a not for value file.

File Count of Must equal the accumulated number of Numeric Mandatory 6 43–48
Non-Value Items non-value Items in the file.
Must equal zero if an empty file.
Must equal one if an acknowledgment file.

File Count of Must equal the accumulated number of Numeric Mandatory 6 49–54
Credit Items credit Items in the file.
Must equal zero if an empty file.
Must equal zero if a not for value file.

File Count of Must equal the accumulated number of Numeric Mandatory 6 55 – 60

Debit Items debit Items in the file.
Must equal zero if an empty file.
Must equal zero if a not for value file.

12.4. File Format - Direct Entry

12.4.1. Direct Entry File Header Record

The following table outlines the format of the Direct Entry File Header Record:
Field Description Alpha / Mandatory / Size Position
Numeric Optional

Record Type Must be 0. Numeric Mandatory 1 1

Blank Must be blank filled. Alpha Mandatory 17 2 - 18

Numeric

Reel Sequence Right-justified, zero-filled. Numeric Mandatory 2 19 - 20

Number Must be numeric commencing at 01.

Name of User Contains ‘ANZ’. Alpha Mandatory 3 21 - 23

Financial Numeric
Institution

Blank Must be blank filled. Alpha Mandatory 7 24 - 30

Numeric

Name of User Left-justified, blank-filled. Alpha Mandatory 26 31 - 56

Supplying File Must not be all blanks. Contains the Numeric
preferred name of the Direct Entry User.

Number of User Right-justified, zero-filled. Contains the Numeric Mandatory 6 57 - 62

Supplying File Direct Entry User ID as assigned by APCA
and Financial Institutions.

Description of Left-justified, blank-filled. Must not be all Alpha Mandatory 12 63 - 74

Entries on File blanks. Numeric

Date to be Must be a valid date in the format DDMMYY. Numeric Mandatory 6 75 - 80

processed

Blank Must be blank-filled. Alpha Mandatory 40 81 - 120

Numeric

Page 116 of 265

12.4.2. Direct Entry Exchange Record (Type 1)
The following table outlines the format of the Direct Entry Exchange Record (Type 1)
Field Description Alpha / Mandatory / Size Position
Numeric Optional

Record Type Must be 1. Numeric Mandatory 1 1

BSB Number Numeric with a hyphen in character Alpha Mandatory 7 2-8

position 4. Character positions 1 to 3 Numeric
must be a valid 2 or 3-digit
Institution Identifier issued by APCA.

Account Number to be Right-justified. Must not contain all Alpha Mandatory 9 9 - 17

Credited/Debited blanks or all zeroes. Numeric
Right-justified, zero-filled

Indicator Must be blank filled. Alpha Mandatory 1 18 - 18

Numeric

Transaction Code Right-justified, zero-filled. Numeric Mandatory 2 19- 20

Values 13, 50 to 57.

Amount Unsigned Numeric Mandatory 10 21 - 30

Right-justified, zero-filled.
Value in cents without punctuation.

Title of Account to be Left-justified, blank-filled. Alpha Mandatory 32 31 - 62

Credited/Debited Must not contain all blanks. Numeric

Lodgement Left-justified, blank-filled. Alpha Mandatory 18 63 - 80

Reference Numeric

Trace Record BSB Numeric with a hyphen in character Alpha Mandatory 7 81 - 87

position 4. Character positions 1 to 3 Numeric
must be a valid 2 or 3-digit
Institution Identifier issued by APCA.
Contains BSB number of User, to
enable tracing of the entry.

Trace Record Right-justified. Alpha Mandatory 9 88 - 96

Account Number Contains account number of User, to Numeric
enable tracing of the entry.

Name of Remitter Left-justified, blank-filled. Alpha Mandatory 16 97 - 112

Contains the name of the originator Numeric
of the entry.

Amount of Unsigned Numeric Mandatory 8 113 - 120

withholding tax Right-justified, zero-filled.
Value in cents without punctuation.

12.4.3. Direct Entry File Total Record

The following table outlines the format of the Direct Entry File Total Record:
Field Description Alpha / Mandatory / Size Position
Numeric Optional

Record Type Must be 7. Numeric Mandatory 1 1

BSB Number Must be 999-999. Alpha Mandatory 7 2-8

Numeric

Blank Must be blank-filled. Alpha Mandatory 12 9 - 20

Numeric

Page 117 of 265

Field Description Alpha / Mandatory / Size Position
Numeric Optional

Net Total Unsigned Numeric Mandatory 10 21 - 30

Amount Right-justified, zero-filled.
Value in cents without punctuation. Must equal
the difference between the Credit and Debit Total
amounts.

Credit Total Unsigned Numeric Mandatory 10 31 - 40

Amount Right-justified, zero-filled.
Value in cents without punctuation. Must equal
the accumulated value of credit Items in the file.

Debit Total Unsigned Numeric Mandatory 10 41 - 50

Amount Right-justified, zero-filled.
Value in cents without punctuation. Must equal
the accumulated value of debit Items in the file.

Blank Must be blank-filled. Alpha Mandatory 24 51 - 74

Numeric

Item Count Right-justified, zero-filled. Numeric Mandatory 6 75 - 80

Must equal the accumulated number of Items in
the file.

Blank Must be blank-filled. Alpha Mandatory 40 81 - 120

Numeric

12.5. Outward Return/Refusal File

12.5.1. Direct Entry & GDES File Header Record (Type 0)

The table below outlines the Direct Entry & GDES File Header Record:
Field Description Alpha / Mandatory Size Position
Numeric / Optional

Record Type Must be 0. Numeric Mandatory 1 1

Blank Must be blank filled. Alpha Mandatory 17 2 - 18

Numeric

Reel Sequence Right-justified, zero-filled. Numeric Mandatory 2 19 - 20

Number Must be numeric commencing at 01.

Name of User Left justified. Blank filled. Alpha Mandatory 3 21 - 23

Financial Type 1 - Mnemonic of User Supplying File Numeric
Institution
Type 2 - Mnemonic of Financial Institution
Initiating return of the Returned Item
Type 3 - Mnemonic of Financial Institution
Initiating return of the Returned Refusal

Blank Must be blank filled. Alpha Mandatory 7 24 - 30

Numeric

Name of User Left-justified, blank-filled. Alpha Mandatory 26 31 - 56

Supplying File Must not be all blanks. Contains the Numeric
preferred name of the Direct Entry User.

Number of User Right-justified, zero-filled. Contains the Numeric Mandatory 6 57 - 62

Supplying File Direct Entry User ID as assigned by APCA
and Financial Institutions.

Description of Left-justified, blank-filled. Must not be all Alpha Mandatory 12 63 - 74

Entries on File blanks. Numeric

Page 118 of 265

Field Description Alpha / Mandatory Size Position
Numeric / Optional

Type 1 - Date to Must be a valid date in the format Numeric Mandatory 6 75 - 80

be processed DDMMYY.
Type 2 - Date of
return of the
Returned Item
Type 3 - Date of
Refusal

Blank Must be blank-filled. Alpha Mandatory 40 81 - 120

Numeric

12.5.2. Direct Entry & GDES Rejected Record (Type 2)

The table below outlines the Direct Entry & GDES Rejected Record (Type 2):
Field Description Alpha / Mandatory Size Position
Numeric / Optional

Record Type Must be 2. Numeric Mandatory 1 1

BSB Number Must match field 9 on original Alpha Mandatory 7 2-8

Direct Entry Exchange (Type 1) Numeric
record.

Account Number to be Must match field 10 on original Alpha Mandatory 9 9 - 17

Credited/Debited Direct Entry Exchange (Type 1) Numeric
record.

Return Code Must be a valid Industry Return Numeric Mandatory 1 18

Code. Refer BECS Procedures
clause 4.7.

Transaction Code Must match field 5 on original Numeric Mandatory 2 19 - 20

Direct Entry Exchange (Type 1)
record.

Amount Must match field 6 on original Numeric Mandatory 10 21 - 30

Direct Entry Exchange (Type 1)
record.

Title of Account to be Must match field 7 on original Alpha Mandatory 32 31 - 62

Credited/Debited Direct Entry Exchange (Type 1) Numeric
record.

Lodgement Reference Must match field 8 on original Alpha Mandatory 18 63 - 80

Direct Entry Exchange (Type 1) Numeric
record.

Trace Record BSB Must match field 2 on original Alpha Mandatory 7 81 - 87

Direct Entry Exchange (Type 1) Numeric
record.

Trace Record Account Must match field 3 on original Alpha Mandatory 9 88 - 96

Number Direct Entry Exchange (Type 1) Numeric
record.

Name of Remitter Must match field 11 on original Alpha Mandatory 16 97 - 112

Direct Entry Exchange (Type 1) Numeric
record.

Original Day of Processing Format DD. Must match first 2- Numeric Mandatory 2 113 - 114
bytes of field 9 on original Direct
Entry Header record.

Original User’s ID Number Must match field 7 on original Numeric Mandatory 6 115 - 120
Direct Entry Header record.

Page 119 of 265

12.5.3. Direct Entry & GDES Refusal Record (Type 3)
The table below outlines the Direct Entry & GDES Refusal Record (Type 3):
Field Description Alpha / Mandatory Size Position
Numeric / Optional

Record Type Must be 3. Numeric Mandatory 1 1

BSB Number Must match field 9 on original Alpha Mandatory 7 2-8

Direct Entry Rejected (Type 2) Numeric
record.

Account Number to be Must match field 10 on original Alpha Mandatory 9 9 - 17

Credited/Debited Direct Entry Rejected (Type 2) Numeric
record.

Refusal Code Must be a valid Industry Refusal Numeric Mandatory 1 18

Code. Refer BECS Procedures
clause 4.8.

Transaction Code Must match field 5 on original Numeric Mandatory 2 19 - 20

Direct Entry Rejected (Type 2)
record.

Amount Must match field 6 on original Numeric Mandatory 10 21 - 30

Direct Entry Rejected (Type 2)
record.

Title of Account to be Must match field 7 on original Alpha Mandatory 32 31 - 62

Credited/Debited Direct Entry Rejected (Type 2) Numeric
record.

Lodgement Reference Must match field 8 on original Alpha Mandatory 18 63 - 80

Direct Entry Rejected (Type 2) Numeric
record.

Trace Record BSB Must match field 2 on original Alpha Mandatory 7 81 - 87

Direct Entry Rejected (Type 2) Numeric
record.

Trace Record Account Must match field 3 on original Alpha Mandatory 9 88 - 96

Number Direct Entry Rejected (Type 2) Numeric
record.

Name of Remitter Must match field 11 on original Alpha Mandatory 16 97 - 112

Direct Entry Rejected (Type 2) Numeric
record.

Original Day of Return Format DD. Must match first 2- Numeric Mandatory 2 113 - 114
bytes of field 9 on original Direct
Entry Header record.

Original User’s ID Number Must match field 13 on original Numeric Mandatory 6 115 - 120
Direct Entry Rejected (Type 2)
record.

Page 120 of 265

12.6. Summary Report
The summary report is issued daily on every business day.

12.6.1. Sample Daily Summary Report

The following is an example of a Daily Summary Report.

12.6.2. 13.5.3 Summary Report Data File

The following table outlines the format of the Summary File Detail 1 record. All fields are
separated with a semi-colon:
Field Description Alpha / Mandator Size Position
Numeric y/
Optional
Record Type Will always be “1” Numeric Mandatory 1 Field 1
Report Date Must be a valid date in the format Numeric Mandatory 8 Field 2
yyyymmdd
BSB Customer BSB with no hyphen Numeric Mandatory 6 Field 3
Value Date Transaction Value Date. Must be a valid Numeric Mandatory 8 Field 4
date in the format yyyymmdd
Inward and ANZ Source of transaction. Alpha Mandatory Max Field 5
Sourced 23
Description
Debit Quantity Number of debit transactions from this Numeric Mandatory Max 7 Field 6
source
Debit Value Total Debit Amount from this source Numeric Mandatory Max Field 7
15
Credit Quantity Number of credit transactions from this Numeric Mandatory Max 7 Field 8
source
Credit Value Total Credit Amount from this source Numeric Mandatory Max Field 9
15

Page 121 of 265

Total Value of Total value from this source Numeric Mandatory Max Field 10
Transactions 15
Discrepancy DR = Debit Alpha Mandatory 2 Field 11
Sign CR = Credit

The following table outlines the format of the Summary File Detail 2 record. All fields are
separated with a semi-colon:
:
Field Description Alpha / Mandator Size Position
Numeric y/
Optional
Record Type Will always be “2” Numeric Mandatory 1 Field 1
Report Date Must be a valid date in the format Numeric Mandatory 8 Field 2
yyyymmdd
BSB Customer BSB with no hyphen Numeric Mandatory 6 Field 3
Value Date Transaction Value Date. Must be a valid Numeric Mandatory 8 Field 4
date in the format yyyymmdd
Exchange Account funds posted to Numeric Mandatory Max 9 Field 5
Account
Net Amount Total Amount Numeric Mandatory Max Field 6
15
Discrepancy DR = Debit Alpha Mandatory 2 Field 7
Sign CR = Credit

Collection Items Count of Collection Items Numeric Mandatory Max 7 Field 8

12.7. GDES File

12.7.1. GDES File Header Record

The following table outlines format of the GDES Header Record:

Field Description Alpha/ Mandatory Size Position

Numeric

Record Type Must be 0. Numeric Mandatory 1 1

Blank Must be blank filled. Alpha Mandatory 17 2 - 18

Numeric

Reel Sequence Right-justified, zero-filled. Numeric Mandatory 2 19 - 20

Number Must be numeric commencing at 01.

Name of User Contains ‘ANZ’. Alpha Mandatory 3 21 - 23

Financial Institution Numeric

Blank Must be blank filled. Alpha Mandatory 7 24 - 30

Numeric

Name of User Left-justified, blank-filled. Alpha Mandatory 26 31 - 56

Supplying File Must not be all blanks. Contains the preferred Numeric
name of the Direct Entry User.

Number of User Right-justified, zero-filled. Contains the Direct Numeric Mandatory 6 57 - 62

Supplying File Entry User ID as assigned by APCA and Financial
Institutions.

Page 122 of 265

Field Description Alpha/ Mandatory Size Position
Numeric

Description of Left-justified, blank-filled. Must not be all blanks. Alpha Mandatory 12 63 - 74

Entries on File Numeric

Date to be Must be a valid date in the format DDMMYY. Numeric Mandatory 6 75 - 80

processed

Blank Must be blank-filled. Alpha Mandatory 40 81 - 120

Numeric

12.7.2. GDES Exchange Record (Type 1)

The following table outlines format of the GDES Exchange Record (Type 1):

Field Description Alpha/ Mandatory Size Position

Numeric

Record Type Must be 1. Numeric Mandatory 1 1

BSB Number Numeric with a hyphen in character position 4. Alpha Mandatory 7 2-8
Character positions 1 to 3 must be a valid 2 or Numeric
3-digit Institution Identifier issued by APCA.

Account Number to Right-justified. Must not contain all blanks or Alpha Mandatory 9 9 - 17
be Credited/Debited all zeroes. Numeric
Right-justified, zero-filled

Indicator Must be blank filled. Alpha Mandatory 1 18

Numeric

Transaction Code Right-justified, zero-filled. Numeric Mandatory 2 19 - 20

Values 13, 50 to 57.

Amount Unsigned Numeric Mandatory 10 21- 30

Right-justified, zero-filled.
Value in cents without punctuation.

Title of Account to Left-justified, blank-filled. Alpha Mandatory 32 31 - 62

be Credited/ Must not contain all blanks. As entered by Numeric
Debited payee.

Lodgement Left-justified, blank-filled. As entered by Alpha Mandatory 18 63 - 80

Reference payee. Numeric

Trace Record BSB Numeric with a hyphen in character position 4. Alpha Mandatory 7 81 - 87
Character positions 1 to 3 must be a valid 2 or Numeric
3-digit Institution Identifier issued by APCA.
Contains BSB number of User, to enable
tracing of the entry.

Trace Record Right-justified. Alpha Mandatory 9 88 - 96

Account Number Contains account number of User, to enable Numeric
tracing of the entry.

Name of Remitter Left-justified, blank-filled. Alpha Mandatory 16 97 - 112

Contains the name of the originator of the Numeric
entry.

Amount of Unsigned Numeric Mandatory 8 113 -120

withholding tax Right-justified, zero-filled.
Value in cents without punctuation.

Page 123 of 265

12.7.3. GDES File Total Record
The following table outlines the format of the GDES File Total Record:
Field Description Alpha/ Mandatory Size Position
Numeric

Record Type Must be 7. Numeric Mandatory 1 1

BSB Number Must be 999-999. Alpha Mandatory 7 2-8

Numeric

Blank Must be zero-filled. Alpha Mandatory 12 9 - 20

Numeric

Net Total Unsigned Numeric Mandatory 10 21 - 30

Amount Right-justified, zero-filled.
Value in cents without punctuation. Must equal the
difference between the Credit and Debit Total
amounts.

Credit Total Unsigned Numeric Mandatory 10 31 - 40

Amount Right-justified, zero-filled.
Value in cents without punctuation. Must equal the
accumulated value of credit Items in the file.

Debit Total Unsigned Numeric Mandatory 10 41 - 50

Amount Right-justified, zero-filled.
Value in cents without punctuation. Must equal the
accumulated value of debit Items in the file.

Blank Must be zero-filled. Alpha Mandatory 24 51 - 74

Numeric

Item Count Right-justified, zero-filled. Numeric Mandatory 6 75 - 80

Must equal the accumulated number of Items in the
file.

Blank Must be zero-filled. Alpha Mandatory 40 81 – 120

Numeric

12.8. Cash and Cheque Deposit File

The following table outlines the format of the Over the Counter File:
Field Description Alpha / Mandatory Size Position
Numeric / Optional
MESSAGE-ID ‘8010’ Alpha Mandatory 4 1–4
VERSION ‘03’ Alpha Mandatory 2 5–6
DOMICILE-BSB NBACA BSB Numeric Mandatory 6 7 – 12
ACCOUNT- NBACA Acc Nbr – RJ space filled Numeric Mandatory 21 13 – 33
NUMBER
ORIGINAL-BSB Numeric Mandatory 6 34 – 39

AUX-DOM As supplied, incl. FDB reference Numeric Mandatory 9 40 – 48

number
EX-AUX-DOM Agent number for FDB agent deposit Numeric Mandatory 11 49 - 59
transaction
CHEQUES- Total number of cheques Numeric Mandatory 4 60– 63
COUNT
DEPOSIT-VALUE Total deposit value Numeric Mandatory 15 64 – 78
CHEQUES- Total cheque deposit value Numeric Mandatory 15 79 – 93

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VALUE
CASH-VALUE Total cash value Numeric Mandatory 11 94 – 108
TRAN-STATUS Status of transaction Alpha Mandatory 1 109

12.9. Monthly Billing Report

This file is also available in a human readable report via request.

The following table outlines the format of the Monthly Billing Report:
Field Description Alpha / Mandatory Size Position
Numeric / Optional
Appointer BSB Numeric with no hyphen. Character Numeric Mandatory 6 1–6
positions 1 to 3 must be a valid 2 or
3-digit Institution Identifier issued by
APCA.
Customer Left-justified. Must not contain all Numeric Mandatory 23 7 – 29
Account blanks or all zeroes.
Left-justified.

Capture BSB Numeric with no hyphen. Character Numeric Mandatory 6 30 – 35

positions 1 to 3 must be a valid 2 or
3-digit Institution Identifier issued by
APCA.
Total Cash Amount in cents Numeric Mandatory 15 36 – 50
Total Cheque Amount in cents Numeric Mandatory 15 51 – 65

Total Transaction Amount in cents Numeric Mandatory 15 66 – 80

Total Drawn Amount in cents Numeric Mandatory 15 81 - 95
Cheques
Total Agent Total number of Agent Deposits Numeric Mandatory 7 96– 103
Deposits
Total Deposits Total number of Deposits Numeric Mandatory 7 104 –
109
Total SBCH Total number of SBCH Cheques Numeric Mandatory 7 110 –
Cheques 116
Total TPC Total number of TPC Cheques Numeric Mandatory 7 117 –
Cheques 123
Total Inward Total number of Inward Cheques Numeric Mandatory 7 124 - 130
Cheques
Total Inward DE Total number of Inward DE payments Numeric Mandatory 7 131 –
137
Total Inward Total number of Inward Dishonours Numeric Mandatory 7 138 –
Dishonours 144
Total Outward Total number of Outward Dishonours Numeric Mandatory 7 145 –
Dishonours 151

12.10. Cheque Encashment Report

This file is also available in a human readable report via request.

Page 125 of 265

The following table outlines the format of the Cheque Encashment Report:
Field Description Alpha / Mandatory Size Position
Numeric / Optional
Encashment Must be a valid date in the format Numeric Mandatory 8 1–8
Date YYYYMMDD.
Customer BSB Numeric with no hyphen. Character Numeric Mandatory 6 9 – 14
positions 1 to 3 must be a valid 2 or
3-digit Institution Identifier issued by
APCA.
Customer Must not contain all blanks or all Numeric Mandatory 23 15 – 37
Account zeroes.
Right-justified zero filled.
Branch Number Numeric with no hyphen. Character Numeric Mandatory 6 38 – 43
positions 1 to 3 must be a valid 2 or
3-digit Institution Identifier issued by
APCA.
Cheque Number Number on the Cheque. Right- Numeric Mandatory 10 44 – 53
justified zero filled.

Cheque Amount Amount in dollars to two decimal Numeric Mandatory 16 54 – 69

Drawn places. Right justified zero filled.

Page 126 of 265

12.11. Fast Deposit Bag Discrepancies Report
This file is also available in a human readable report via request.

The following table outlines the format of the Fast Deposit Bag Discrepancies Report. All
fields are separated with a semi-colon:
Field Description Alpha / Mandatory Size Position
Numeric / Optional
Deposit Date Must be a valid date in the format Numeric Mandatory 10 Field 1
DD/MM/YYYY
Customer BSB Customer BSB with no hyphen Numeric Mandatory 6 Field 2
Customer Customer Account Number no Numeric Mandatory Up to Field 3
Account spaces 9
Agent Number Agent Number Numeric Mandatory Up to Field 4
13
Bag Number Number allocated to the fast deposit Numeric Mandatory Up to Field 5
bag 6
Said to Contain Amount that is supposed to be in the Numeric Mandatory Field 6
bag. Two decimal places no “$” sign.
Actual Deposit Actual amount in bag Numeric Mandatory Field 7
Amount

Discrepancy Difference Amount Numeric Mandatory Field 8

Value
Discrepancy DR = Debit Alpha Mandatory 2 Field 9
Sign CR = Credit

12.12. Inward Returns and Refusals File

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.

12.12.1. Header Record – BECS Type 0

There must be only one BECS Header record in the file.
Field Description Aplha / Mandatory / Size Position
Numeric Optional
Record Type 0 Must be 0. Numeric Mandatory 1 1
Filler Must be blank filled. Alpha Mandatory 17 2-18
Reel Sequence Must be numeric commencing at Numeric Mandatory 2 19-20
Number 01.
Right justified. Zero filled.
Mnemonic of Must be the first 3 numeric Numeric Mandatory 3 21-23
Financial characters of the Financial
Institution Institution BSB returning or
Initiating return of refusing the item.
the Returned Item
Filler Must be blank filled. Alpha Mandatory 7 24-30
BSB of the Must be 6 numeric characters of Numeric Mandatory 26 31-56
Sending Member the Financial Institution BSB
returning or refusing the item.

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Returning FI ID Must be the Returning/Refusing Numeric Mandatory 6 57-62
Number FI ID Number (of the FI
initiating the return or refusal)
assigned by APCA. Must be
numeric.
Description of Must be 'TYPE 2'. for a Returned Alpha Mandatory 12 63-74
Entries on File Items File
Must be 'TYPE 3'. for a Refusals
File
Date of return of Must be numeric and in the Numeric Mandatory 6 75-80
the Returned Item format of DDMMYY.
Must be a valid date. Zero filled.
Filler Must be blank filled. Alpha Mandatory 40 81-120

12.12.2. 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 Aplha / Mandatory / Size Position

Numeric Optional
Record Type 2 Must be 2. Alpha Mandatory 1 1
This is the APCA record type
for returned items
(dishonours).
BSB Number Must be numeric with a hyphen Alpha Mandatory 7 2-8
on 4TH character position.
Must be positions 81-87 of
the original Type 1 Detail
Record.
Account Number Alpha (26 letters of the Alpha Mandatory 9 9-17
to be alphabet), numeric, hyphens &
Credited/Debited 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.
Return Code Must be a valid industry Return Numeric Mandatory 1 18
Code.
Transaction Code Must be positions 19-20 of Numeric Mandatory 2 19-20
the original Type 1 Detail
Record.
Amount Must be positions 21-30 of Numeric Mandatory 10 21-30
the original Type 1 Detail
Record.
Title of Account to Must be positions 31-62 of Alpha Mandatory 32 31-62
be the original Type 1 Detail
Credited/Debited Record.

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Lodgement Must be positions 63-80 of Alpha Mandatory 18 63-80
Reference the original Type 1 Detail
Record
Reference as
submitted by the
User, indicating
details of the
origin of the
entry, eg., Payroll
Number, Invoice,
Contract Number.

Trace Record Must be positions 81-96 of 81-96

BSB Number and the original Type 1 Detail

Record.
account number
of User, to enable
retracing of the
entry to its source
if necessary.

(BSB Number) Must be numeric with a hyphen Alpha Mandatory 7 (81-87)

on 4TH character position.
Must be positions 2-8 of the
original Type 1 Detail Record.
(Account Number) Must be positions 9-17 of the Alpha Mandatory 9 (88-96)
original Type 1 Detail Record
Name of Remitter Must be positions 97-112 of Alpha Mandatory 16 97-112
the original Type 1 Detail
Record
Original Day of Must be a valid day. Numeric in Numeric Mandatory 2 113-114
Processing DD format.
Must be positions 75-76 of
the Original Type 0
Descriptive Record.
Original User's ID Must be positions 57-62 of Numeric Mandatory 6 115-120
Number the Original Type 0
Descriptive record.

12.12.3. 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 Aplha / Mandatory / Size Position

Numeric Optional
File Record Type Must be ‘D’ Alpha Mandatory 1
Record Type 3 Must be 3. Alpha 1 1
This is the APCA record type for
returned items (dishonours).
BSB Number Must be numeric with a hyphen Alpha Mandatory 7 2-8
on 4TH character position.
Must be positions 81-87 of
the original Type 2 Detail
Record.

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Account Number Alpha (26 letters of the Alpha Mandatory 9 9-17
to be alphabet), numeric, hyphens &
Credited/Debited 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.
Refusal Code Must be a valid industry Refusal Numeric Mandatory 1 18
Code.
Transaction Code Must be positions 19-20 of Numeric Mandatory 2 19-20
the original Type 2 Detail
Record.
Amount Must be positions 21-30 of Numeric Mandatory 10 21-30
the original Type 2 Detail
Record.
Title of Account to Must be positions 31-62 of Alpha Mandatory 32 31-62
be the original Type 2 Detail
Credited/Debited Record.
Lodgement Must be positions 63-80 of Alpha Mandatory 18 63-80
Reference the original Type 2 Detail
Record
Reference as
submitted by the
User, indicating
details of the
origin of the
entry, eg., Payroll
Number, Invoice,
Contract Number.

Trace Record Must be positions 81-96 of 81-96

the original Type 2 Detail
BSB Number and
Record.
account number
of User, to enable
retracing of the
entry to its source
if necessary.

(BSB Number) Must be numeric with a hyphen Alpha Mandatory 7 (81-87)

on 4TH character position.
Must be positions 2-8 of the
original Type 2 Detail Record.
(Account Number) Must be positions 9-17 of the Alpha Mandatory 9 (88-96)
original Type 2 Detail Record
Name of Remitter Must be positions 97-112 of Alpha Mandatory 16 97-112
the original Type 2 Detail
Record
Original Day of Must be a valid day. Numeric in Numeric Mandatory 2 113-114
Return DD format.
Must be positions 75-76 of
the Original Type 0
Descriptive Record.
Original User's ID Must be positions 115-120 of Numeric Mandatory 6 115-120
Number the Original Type 2 Detail
record.

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12.12.4. 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 Aplha / Mandatory / Size Position

Numeric Optional
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 Must be the difference between Numeric Mandatory 10 21-30
Total Amount the File Credit and File Debit
total amounts.
Numeric only valid. Show in
cents without punctuation. Right
justified. Zero filled. Unsigned.
File (User) Credit Must equal the accumulated Numeric Mandatory 10 31-40
Total Amount total of credit Detail Record
amounts.
Numeric only valid. Show in
cents without punctuation. Right
justified. Zero filled. Unsigned.
File (User) Debit Must equal the accumulated Numeric Mandatory 10 41-50
Total Amount total of debit Detail Record
amounts.
Numeric only valid. Show in
cents without punctuation. Right
justified. Zero filled. Unsigned.
Blank Must be blank filled. Alpha Mandatory 24 51-74

File (User) Count Must equal the accumulated Numeric Mandatory 6 75-80
of Record Type 2 number of Record Type 2 in the
file.
Numeric only valid. Right
justified. Zero filled.
Blank Must be blank filled. Alpha Mandatory 40 81-120

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13. BPAY+ (Australia only)

13.1. Introduction
The following section outlines the file format specifications for BPAY+ files.

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.

13.2. 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.

13.3. 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.

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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.

13.4. File Format - Standard Output File

13.4.1. Header Record

The following table outlines the format of the Header Record:
Field Name Description Alpha / Mandatory / Size Position
Numeric Optional

Record Type Value 00 Numeric Mandatory 2 1–2

File Format A numeric identifier for the format of the file Numeric Mandatory 2 3–4
Version to aid change control.
Initial value is 01.

Sender Code The institution code of the Payer Institution Alpha Mandatory 3 5–7
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.

Receiver Code The Institution Code that is to receive the file. Alpha Mandatory 3 8–10
Please Note: If the file does not contain any
transactions, this field will be 0 filled.

File Creation The local date of file creation. Numeric Mandatory 8 11–18
Date Format YYYYMMDD

File Creation The local time of file creation. Numeric Mandatory 6 19–24
Time Format HHMMSS

File Number The file number for the file creation date. Numeric Mandatory 3 25–27
First file each day is 001, the second file each
day is 002 etc.

Biller Code The Biller number assigned by BPAY Pty Ltd, Numeric Mandatory 10 28–37
denoting the Biller.

Settlement This is the customer account number Numeric Mandatory 20 38–57

Account including the BSB.
Number

Unused (Blank-filled) Alpha Mandatory 235 58–292

13.4.2. Detail Record

The following table outlines the format of the Detail Record:
Field Name Description Alpha / Mandatory / Size Position
Numeric Optional

Record Type Value 50 Numeric Mandatory 2 1–2

Payment A code indicating the type of instruction: Numeric Mandatory 2 3–4

Instruction Type 05 = Payment
15 = Refund
25 = Reversal

BPAY Transaction 0 = original submission Numeric Mandatory 1 5–5

Type 1 = re-submission (after being rejected)

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Field Name Description Alpha / Mandatory / Size Position
Numeric Optional

Payer Institution The Payer Institution Code Alpha Mandatory 3 6–8

Code

Payment Account Not used—will be spaces Alpha/ Mandatory 20 9–28

Detail The relevant account number of the payer (a Numeric
credit card or BSB account number).
Left-justified, space-filled.

Country of The ISO alphabetic country code in which Alpha Mandatory 3 29–31
Payment the Payer’s Account resides. For the first
phase implementation this is to be defaulted
to the code for Australia.

State of Payment The alphabetic State in which the Payer’s Alpha Mandatory 3 32–34
Account resides, if the country has State
codes.
This may be spaces for Phase 1.

Currency Code of The ISO code denoting the currency of Alpha Mandatory 3 35–37
Payment Payment. (In the first phase implementation
this is to be defaulted to code for Australian
dollars).

Biller Code The number assigned by the Central Numeric Mandatory 10 38–47
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).

Service Code This will be zero for Phase 1. Numeric Mandatory 7 48–54
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).

Customer The number by which the Biller identifies the Alpha/Num Mandatory 20 55–74
Reference account that is being paid. eric
Number The last digit is assumed to be a check digit.
Left-justified, space-filled.
The leading non-space part must be all
numeric.

Payment Number A code indicating the method of Payment: Numeric Mandatory 3 75–77
001 = Debit Account
101 = Visa
201 = MasterCard
301 = Other Card

Entry Method A code indicating how the details were Alpha Mandatory 3 78–80
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.

Amount The amount of the Payment/Error Numeric Mandatory 12 81–92

Correction.
2 decimal places assured.

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Field Name Description Alpha / Mandatory / Size Position
Numeric Optional

Transaction A unique reference number generated by the Alpha/ Mandatory 21 93–113

Reference Payer Institution. It is structured so that: Numeric
Number 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.

Original The unique reference code generated by the Alpha/ Mandatory 21 114–134
Reference Payer Institution for the original Payment Numeric
Number 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.

BPAY Settlement The date on which the Payer Institution Numeric Mandatory 8 135–142
Date expects the Payment to be entered into
BPAY Settlement, in YYYYMMDD format.

Date of Payment The AEST date that the Payment or Error Numeric Mandatory 8 143–150
Correction was accepted by the Payer
Institution, in YYYYMMDD format.

Time of Payment The AEST time that the Payer Institution in Numeric Mandatory 6 151–156
HHMMSS format accepted the Payment or
Error Correction.

Payer Name Not used—will be spaces for Phase 1. Alpha Mandatory 40 157–196
The name of the Payer as extracted by the
Payer Institution from the Payer Institution’s
account details.

Additional This field is not a mandatory field, but may Alpha Mandatory 20 197–216
Reference Code 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.

Error Correction For Error Correction Transactions, a code Numeric Mandatory 3 217–219
Reason 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
Note: Field not used by ANZ for Phase 1.

Discount Method Not used—will be spaces for Phase 1. Alpha Mandatory 3 220–222
A code indicating the reason for any discount
applied to the Payment.
Code values to be advised.
Space indicates no discount applied.

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Field Name Description Alpha / Mandatory / Size Position
Numeric Optional

Discount Not used—will be spaces for Phase 1. Alpha Mandatory 20 223–242

Reference A reference code supporting the application
of any discount.
Left-justified and filled with trailing spaces.

Discretionary Further information mandatory by Biller. Alpha Mandatory 50 243–292

Data

13.4.3. Trailer Record

The following table outlines the format of the Trailer Record:
Field Name Description Alpha / Mandatory / Size Position
Numeric Optional

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 Numeric Mandatory 9 26–34

Instructions in the file

Amount of Payments The amount of Payment Numeric Mandatory 15 35–49

Instructions in the file.
2 decimal places assumed.

Number of Error The number of Error Correction Numeric Mandatory 9 50–58

Corrections Instructions in the file.
Note: Field not used by ANZ for
Phase 1.

Amount of Error The amount of Error Correction Numeric Mandatory 15 59–73

Correction Instructions in the file.
2 decimal places assumed.
Note: Field not used by ANZ for
Phase 1.

Number of Reversals The number of Reversal Numeric Mandatory 9 74–82

Instructions in the file.
Note: Field not used by ANZ for
Phase 1.

Amount of Reversals The amount of Reversals Numeric Mandatory 15 83–97

instruction in the file.
Note: Field not used by ANZ for
Phase 1.

Settlement Amount Net amount of Payments—Error Numeric Mandatory 15 98–112

Correction—Reversals.
2 decimal places assumed.

Unused Alpha Mandatory 180 113–292

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13.5. Empty BPAY CSL file (no transactions)

13.5.1. Header Record

The following table outlines the format of the Header Record:
Field Name Description Alpha / Mandatory / Size Position
Numeric Optional

Record Type Value 00 Numeric Mandatory 2 1–2

File Format Version A numeric identifier for the format of Numeric Mandatory 2 3–4
the file to aid change control.
Initial value is 01.

Sender Code The institution code of the Payer Alpha Mandatory 3 5–7
Institution that sent the file.
If the file does not contain any
transactions, this field will be zero-
filled

Receiver Code The Institution Code that is to receive Alpha Mandatory 3 8–10
the file.
If the file does not contain any
transactions, this field will be zero-
filled

File Creation Date The local date of file creation. Numeric Mandatory 8 11–18
Format YYYYMMDD

File Creation Time The local time of file creation. Numeric Mandatory 6 19–24
Format HHMMSS

File Number The file number for the file creation Numeric Mandatory 3 25–27
date.
First file each day is 001, the second
file each day is 002 etc.

Filler Blank-filled Alpha Mandatory 2 28–29

Note: There are no Detail records for Empty BPAY+ CSL files.

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13.5.2. Trailer Record
The following table outlines the format of the Trailer Record:
Field Name Description Alpha / Mandatory / Size Position
Numeric Optional

Record Type Value 99 Numeric Mandatory 2 1–2

Sender Code The institution code of the Payer Alpha Mandatory 3 3–5
Institution that sent the file.
If the file does not contain any
transactions, this field will be zero-filled

Receiver Code The Institution Code that is to receive Alpha Mandatory 3 6–8
the file.
If the file does not contain any
transactions, this field will be zero-filled

File Creation Date The local date of file creation. Numeric Mandatory 8 9–16
Format YYYYMMDD

File Creation Time The local time of file creation. Numeric Mandatory 6 17–22
Format HHMMSS

File Number The file number for the file creation Numeric Mandatory 3 23–25
date.
First file each day is 001, the second file
each day is 002 etc.

Number of The number of Payment Instructions in Numeric Mandatory 9 26–34

Payments the file.
If the file does not contain any
transactions, this field will be zero-filled.

Amount of The amount of Payment Instructions in Numeric Mandatory 15 35–49

Payments the file. 2 decimal places assumed.
If the file does not contain any
transactions, this field will be zero-filled

Number of Error The number of Error Correction Alpha / Mandatory 9 50–58

Corrections Instructions in the file. Numeric
If the file does not contain any
transactions, this field will be zero-filled

Amount of Error The amount of Error Correction Alpha / Mandatory 15 59–73

Correction Instructions in the file. 2 decimal places Numeric
assumed.
If the file does not contain any
transactions, this field will be zero-filled

Number of The number of Reversal Instructions in Numeric Mandatory 9 74–82

Reversals the file.
If the file does not contain any
transactions, this field will be zero-filled

Amount of The amount of Reversals instruction in Numeric Mandatory 15 83–97

Reversals the file.
If the file does not contain any
transactions, this field will be zero-filled

Settlement Amount Net amount of Payments – Error Numeric Mandatory 15 98–112

Correction – Reversals. 2 decimal places
assumed.
If the file does not contain any
transactions, this field will be zero-filled

Filler Blank-filled Alpha Mandatory 2 113–114

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Page 139 of 265
13.5.3. Summary Report and Tax Invoice
The Summary Report is issued daily for every business day, and the Tax Invoice Report is
issued monthly.

13.5.4. Sample Daily Summary Report

The following is an example of a sample Daily Summary Report:

Page 140 of 265

13.5.5. Sample Monthly Tax Invoice
The following is an example of a sample Monthly Tax Invoice:

Page 141 of 265

13.5.6. 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 142 of 265

14. ANZ Interactive Voice Response (IVR) (Australia
only)

14.1. Introduction
The following section outlines the file format specifications for ANZ Interactive Voice
Response (IVR) files.

The ANZ IVR is a telephone and web-based payment collection system enabling payment
via by credit card or customer initiated direct debit to a nominated cheque/savings account.
The system operates across a 1300 phone service through an IVR menu or through an
Internet payment page hosted by Optus with the look and feel of the Service Owner.

There are 4 types of files that can be received for ANZ IVR, these are;

IVR Payment File

IVR Account Balance Due File (Optional)

IVR CIDD (Customer Initiated Direct Debit File) (Optional)

IVR Bill Payment Transaction Detail Report

Report Frequency Options

Reports generated by ANZ IVR are typically issued on a daily basis, 7 days a week,
providing details of bill payments processed for a specified settlement date.

Reporting can also be aligned to Business Banking Day i.e. 5 days per week where Saturday
and Sunday’s trading is included with Mondays, delivered on Monday evening. This
frequency observes national holidays, where transactions on these days are combined with
the following day’s transactions.

Reporting can also be aligned to traditional Business Days i.e. 5 days per week, regardless
of public holidays, where again, Saturday and Sunday’s trading is included with Mondays,
delivered on Monday evening.

Null Files
Reports, including NULL FILES, i.e. where there were no transactions made that day. are
automatically sent, according to the reporting frequency chosen e.g. 7 days per week.

14.2. IVR Payment File - File Naming Convention

IVR Payment Files will be named as follows:
Pmmdd000
Where: P indicates a payment file
mmdd is the business month and day of the file
000 fixed to 000

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 14.3. IVR Payment File - File Layout
The IVR Payment File contains the following record types:

File Header

Payment Instruction Record

Trailer Instruction Record

14.3.1. File Header

The following table outlines the format of the File Header:
# Field Name Description Alpha/ Size Position
Numeric
1 Record Type Constant Value = “00” Numeric 2 1-2
2 File Format Version Constant value = “01” Numeric 2 3-4
3 Sender Code Constant Value = “ANZ” Alpha 3 5-7
4 Receiver Code Constant Value = “ANZ” Alpha 3 8-10
5 File Creation Date Date of file creation/generation. Numeric 8 11-18
Format YYYYMMDD
6 File Creation Time Time of file creation/generation. Numeric 6 19-24
Format HHMMSS
7 File Number Constant Value = “001” Numeric 3 25-27
8 Reserved for future use Space filled. Alpha 267 28-294

14.3.2. Payment Instruction Record

The following table outlines the format of the Payment Instruction Record:
# Field Name Description Alpha/ Size Position
Numeric
1 ID – Record Type Constant Value = “50” Numeric 2 1-2
2 Payment Instruction Type Constant Value = “05” Numeric 2 3-4
3 Transaction Type Constant Value =”0” Numeric 1 5-5
4 Payer Institution Code Constant Value = “ANZ” Alpha 3 6-8
5 Payment Account Detail The relevant account number of the Alpha/Numeric 20 9-28
payer, either a credit card or
BSB/Account number for CIDD.
Left justified, space filled.
Note – this number is either masked or
blank, depending on your selection in the
ANZ IVR Solution Service Activation
Form.
6 Country of Payment Constant Value = “AUS” Alpha 3 29-31
7 Reserved for future use Space filled Alpha 3 32-34
8 Currency Code of Constant Value = “AUD” Alpha 3 35-37
Payment
9 Reserved for future use Zero filled Numeric 10 38-47
10 Reserved for future use Zero filled Numeric 7 48-54

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11 Customer Reference The number by which you identify the Alpha/Numeric 20 55-74
Number account that is being paid.
Left justified, space filled.
Where the customer uses an Account
Allocation Number, together with a
Customer Reference Number e.g.
Account Number/Invoice Number, these
will be concatenated, separated by a
HASH e.g. 123456#987654
12 Payment Method A code indicating the method of Numeric 3 75-77
Payment:
“001” = Customer Initiated Direct Debit.
“101” = Visa Card (VI)
“201” = MasterCard (MC)
“301” = Bankcard (BA)
“401” = Other cards
“501” = Amex (AX)
“601” = Diners Club (DC)
13 Entry Method A code indicating the Payment Access Alpha 3 78-80
Method
“001” = system interface payment
“002” = touch tone entry by customer
“004” = internet entry by customer
“006” = batched payment
14 Amount The amount of the Payment. 2 decimal Numeric 12 81-92
places assumed.
Right justified, zero filled.
For Surcharge/Discount options, this is
the total value that will be processed
against the payee. This provides for the
Payment Report to equal the Bank
Settlement.

15 Transaction Reference A unique reference number generated by Alpha/Numeric 21 93-113

Number the ANZ IVR Solution system:
the first three characters are “ANZ”
the next set of eight characters is the
date the payment was made (in
YYYYMMDD format)
the next set of six characters is the ANZ
IVR Solution Receipt Number provided to
the Customer on completion of the
payment
the last set of four characters will be
spaces
16 Original Reference This field is a repeat of the previous field, Alpha/Numeric 21 114-134
Number i.e.
the first three characters are “ANZ”
the next set of eight characters is the
date the payment was made (in
YYYYMMDD format)
the next set of six characters is the ANZ
IVR Solution Receipt Number provided to
the Customer on completion of the
payment
the last set of four characters will be
spaces

Page 145 of 265

17 Settlement Date The AEST Business Banking Day on which Numeric 8 135-142
the funds are paid into your account, in
YYYYMMDD format.
Refer also Payment Cut-off Time in
definitions section.
18 Date of Payment The actual AEST date that the Payment Numeric 8 143-150
was made by your Customer, in
YYYYMMDD format.
19 Time of Payment The actual AEST time that the Payment Numeric 6 151-156
was made by your Customer, format
HHMMSS.
20 Reserved for future use Space filled Alpha 40 157-196
21 Invoice Amount If there is no Surcharge/Discount being Alpha 20 197-216
applied to payment, the field is “space
filled”.
If there is a Surcharge/Discount being
applied, the field is right justified, zero
filled.
For Surcharge/Discount options, this is
the invoice value entered before any
Surcharge/Discount has been applied.
22 Reserved for future use Space filled Numeric 3 217-219
23 Reserved for future use Space filled Alpha 3 220-222
24 Surcharge Indicator Value of ‘+’ indicates surcharge Alpha 1 223-223
Value of ‘- ‘indicates discount.

If the surcharge/discount is not

applicable, this field will contain a space.
25 Surcharge/ If there is no surcharge/discount Alpha 16 224-239
Discount applicable, this field will be space filled;
If a surcharge/discount is applicable, this
is the value of the surcharge/discount
component only and this field will be
right justified and zero filled.
This value, together with the value
entered by the customer (Field 21) will
equal the amount shown in Field 14 (the
total value)
26 Reserved Blank Alpha 55 240-294

Page 146 of 265

 14.3.3. Trailer Instruction Record
The following table outlines the format of the Trailer Instruction Record:
# Field Name Description Alpha/Numeric Size Position

1 ID – Record Type Constant Value = “99” Numeric 2 1-2

2 Sender Code Constant Value = “ANZ” Alpha 3 3-5

3 Receiver Code Constant Value = “ANZ” Alpha 3 6-8

4 File Creation Date Date of file creation/generation. Numeric 8 9-16

Format YYYYMMDD

5 File Creation Time Time of file creation/generation. Numeric 6 17-22

Format HHMMSS

6 File Number Constant Value = “001” Numeric 3 23-25

7 Number of Payments The number of Payment Instructions in Numeric 9 26-34

the file.

8 Amount of Payments The total amount of Payment Numeric 15 35-49

Instructions in the file. 2 decimal
places assumed.

9 Reserved for future use Space filled. Numeric 9 50-58

10 Reserved for future use Space filled Alpha/Numeric 15 59-73

11 Reserved for future use Space filled Numeric 9 74-82

12 Reserved for future use Space filled Numeric 15 83-97

13 Reserved for future use Space filled Numeric 15 98-112

14 Reserved for future use Space filled Alpha 127 113-239

15 Reserved for future use Space filled Alpha 55 240-294

14.4. IVR Account Balance Due File - File Naming Convention

The naming convention for the Account Balance file is : "AMMDDxxx",

where MMDD denotes month-day

xxx denotes file number.


For example, the following filenames are valid:
A0515000.txt
A0328000.txt

Note: xxx should start from 000 and increment by 1 for every additional Account Balance
file sent to Optus within the same day.

If you send in two Account Balance files in the same day, the trailing numbers have to be
different. For example,
A0515000.txt
A0515001.txt

14.5. IVR Account Balance Due File - File Layout

The IVR Account Balance Due File consists of only one record - the Balance feed record
type.

Page 147 of 265

14.6. IVR Account Balance Due File - File Format

14.6.1. Balance Feed Record

The following table outlines the format of the Balance Feed Record:
# Field Name Description Alpha / Mandatory / Size Position
Numeric Optional

1 Record Type Indicates the action to be taken on the Alpha Mandatory 1 1-1
record.
I = Insert If a new record, it will be
inserted in the IVR balance database.
If there is an existing record (the key is
Biller-ID & Customer Number) on the IVR
balance database, it will be logically updated
with the 3 Value fields and Balance Status
Flag field.
D = Delete This is a physical delete of
the record from the database (i.e. not
logical). There is no audit trail for the ABD
database.

2 Balance Indicates the status of the Value 1 field, Alpha Mandatory 1 2-2
Status Flag Default value = SPACE
N = Normal
O = Overdue payment amount applies
S = Special message
U = Payment unable to be acceptable.
This field is used to assign a status to the
Value 1 field.
Where you do not wish to assign a status to
the Value 1 field, the field should be
populated with SPACES.
Where you do wish to assign a status to the
Value 1 field, the field could be populated
with specific values, for example,
N = Normal (means that balance amount in
Value1 field is valid for payment by the due
Date)

O = Overdue (means that balance amount in

Value1 field may not be valid when payment
is not made by the due date)
The specific values of this field can be
customised to your needs. Please talk to
your ANZ Account Manager for details of time
and cost to build.

3 Biller-ID Identifies your ANZ IVR Solution Biller ID Numeric Mandatory 4 3–6
within the IVR system

4 Customer Customer Reference Number allocated to Numeric Mandatory 26 7–32

Reference your Customer.
Number Left justified – blank filled

5 Value 1 Standard renewal value Alpha/ Mandatory 10 33–42

Left justified, blank filled, no decimal point. Numeric
e.g. $902.70 = “ 90270”
This field contains the standard balance
amount for the Customer Reference Number.
Debit (positive amount), Credit (negative
amount) and Zero balance amounts are
allowed:
Debit balance of $25.00 - examples, 2500,
+2500
Credit balance of $25.00 - example, -2500

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# Field Name Description Alpha / Mandatory / Size Position
Numeric Optional
Zero balance – examples, 000 or spaces

6 Value 2 Additional field e.g. Overdue value. Alpha/ Optional 10 43-52

Same format as Value 1. Numeric
This field is an additional field which could be
put to specific use by you. As an example, it
could contain the overdue amount to be paid
when the balance amount in Value1 is not
paid by the due date.
The field contains an amount value and the
format and rules governing it are the same
as Value1 field.

7 Value 3 Additional field Alpha/ Optional 10 53–62

This field is an additional field which could be Numeric
put to specific use by you. It is currently
unused.

14.7. IVR CIDD File - File Naming Convention

The naming convention used by ANZ IVR Merchants to submit Customer Initiated Direct
Debit details for upload is "UMMDDxxx", where MMDD denotes month-day and xxx denotes
file sequence number.

NOTE: xxx should start from 000 and increment by 1 for every additional CIDD file sent to
ANZ IVR within the same day.

For example, the following filenames are valid:

U0515000

U0328000

If you send in two CIDD files in the same day, the trailing numbers have to be different. For
example:

U0515000

U0515001

14.8. IVR CIDD File - File Layout

Each IVR CIDD file contains the following record types;

Header record

Detail record

Trailer record

Page 149 of 265

 14.9. IVR CIDD File - File Format

14.9.1. Header Record

The following table outlines the format of the Header Record:

# Field Name Contents Alpha / Mandatory / Size Position

Numeric Optional
1 Identifier "H" Alpha 1 1- 1
2 BillerID Biller ID (4 characters), Left Justified, space Alpha/ 20 2 - 21
filled Numeric

3 Seq Number Sequence No., space filled Numeric 6 22 - 27

4 Application Biller ID (4 characters), Left Justified,, space Alpha/ 10 28 - 37

filled Numeric

5 Filler Space filled 52 38 - 89

14.9.2. Detail Record

The following table outlines the format of the Detail Record:

# Field Name Contents Alpha / Mandatory / Size Position

Numeric Optional
1 Record Action "I" for Insert, "U" for Update or "D" for Delete Alpha 1 1-1
2 Customer Space filled Numeric 20 2-21
Reference
Number

3 BSB No. Bank BSB No.of Payer Numeric 6 22-27

4 Bank Account Left Justified,, Space filled Numeric 10 28-37

No. Bank A/c No. of Payer

5 Bank Account Left Justified,, Space filled Alpha/Num 31 38-68

Name Payer's Bank A/c Name eric
6 Customer Right Justified, leading zeros Numeric 6 69-74
Transfer
Authorisation
Code
7 Filler Space filled 15 75-89

Page 150 of 265

 14.9.3. Trailer Record
The following table outlines the format of the Trailer Record:

# Field Name Contents Alpha / Mandatory / Size Position

Numeric Optional
1 Identifier "T" Alpha 1 1-1
2 Number of Total number of action records Numeric 6 2-7
Records

3 Filler Space filled 82 8 - 89

Page 151 of 265

14.10. IVR Bill Payment Transaction Detail (BPTD) report
The BPTD report contains all approved and declined payments made through the ANZ IVR
Solution and a summary of approvals and declines per credit card type.

This file is an ASCII, Comma Separated Value (CSV) format and can be imported in Excel
for further viewing. More information about this file can be found in the ANZ IVR Manual.

14.10.1. IVR Bill Payment Transaction Detail Report – Sample

The following is a sample of the IVR Bill Payment Transaction Detail Report:

Page 152 of 265

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

15.4.1. Transaction Record

The following table outlines the format of the Transaction Record

Field Description Content Size Position Comments

The ID of the terminal. Can be Left Aligned

used to report levels within Unused characters to be space
the company. E.g.: filled
POS Terminal ID 0108 – company level Alpha 16 1–16
01083 – state level
010830236 – site level
01083023601 – terminal level

Truncated Debit or credit card Left Aligned

number. First 6-Last 3 Digits Contains a space between first 6
Cardholder provided Alpha 19 17–35 digits and the last 3 digits
Number
Unused characters to be space
filled

Transaction Format YYYYMMDD

Numeric 8 36–43
Date

Transaction Format HHMMSS

Numeric 6 44–49
Time

Post Date Format YYYYMMDD Numeric 8 50–57

Seq Number Transaction sequence number Alpha 4 58–61 Left Aligned

Possible values are: Left Aligned

PURCHASE Unused characters to be space
PUR/CASH filled
Transaction
REFUND Alpha 11 62–72
Type
CASH-OUT
The 11th character will be R to
indicate a Reversal.

Page 153 of 265

 Field Description Content Size Position Comments

CHQ – cheque account Left Aligned

Customer SAV – savings account Unused characters to be space
Alpha 3 73–75
Account Type CR – credit account filled

The least significant 3 digits Left Aligned

Response Code Alpha 4 76–79
(right-most digits).

2 decimal places assumed Left Aligned

Cash Out
Numeric 8 80–87 Leading zeros
Amount
Amount in cents

Left Aligned
Total Amount Numeric 8 88–95 Leading zeros
Amount in cents
Retrieval Optional filed. Request file format 2
Reference Aplha 12 96-107 to have this field included. Will also
Number be in included for file format 3

Sequence Optional filed. Request file format 3

Numeric 6 108-113
Number to have this field included

Optional filed. Request file format 3

Card FI ID Alpha 4 114-117
to have this field included

Page 154 of 265

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

16.4.1. File Naming Convention Record

The following table outlines the format of the File Naming Convention record:
Field Alpha / Numeric Mandatory / Optional Size Position

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

Page 155 of 265

16.4.2. 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

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

16.4.3. Card Account Record

The following table outlines the format of the Card Account record:
Field Description Alpha / Mandatory / Size Position
Numeric Optional

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

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

Page 156 of 265

16.4.4. Cardholder Record
The following table outlines the format of the Cardholder record:
Field Description Alpha / Mandatory / Size Position
Numeric Optional

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

16.4.5. Company Record

The following table outlines the format of the Company record:
Field Description Alpha / Mandatory / Size Position
Numeric Optional

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

Page 157 of 265

16.4.6. Hierarchy Level Record
The following table outlines the format of the Hierarchy Level record:
Field Description Alpha / Mandatory / Size Position
Numeric Optional

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

16.4.7. Hierarchy Tree Record

The following table outlines the format of the Hierarchy Tree record:
Field Description Alpha / Mandatory / Size Position
Numeric Optional

Transaction Code CPS – Value = A, D, C, R Alpha Mandatory 1 1

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

16.4.8. Hierarchy Record

The following table outlines the format of the Hierarchy record:
Field Description Alpha / Mandatory / Size Position
Numeric Optional

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

16.4.9. Period Record

The following table outlines the format of the Period record:
Field Description Alpha / Mandatory / Size Position
Numeric Optional

Transaction Code CPS – Value = A, D, C, R Alpha Optional 1 1

Page 158 of 265

Field Description Alpha / Mandatory / Size Position
Numeric Optional

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

Complete_YN Blank (system acquired) Alpha Optional 1 28

Page 159 of 265

16.4.10. Transaction Record
The following table outlines the format of the Transaction record:
Field Description Alpha / Mandatory / Size Position
Numeric Optional

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_CD 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

Page 160 of 265

Field Description Alpha / Mandatory / Size Position
Numeric Optional

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

Customer_Vat_Num 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 161 of 265

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 162 of 265

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.

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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.

17.5. ANZ LockBox File Format

17.5.1. Header Record

The following table outlines the format of the Header record:
Field Description Alpha / Numeric Mandatory / Size Position
Optional

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

17.5.2. Detail Record

The following table outlines the format of the Detail record:
Field Description Alpha / Numeric Mandatory / Size Position
Optional

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 Numeric Mandatory 4 14 - 17

Number

Trace Serial Number Numeric Mandatory 9 18 - 26

17.5.3. 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

Page 164 of 265

17.5.4. 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

Credit Card DR Amount 10 Numeric

Credit Card Number 16 Numeric

Authorisation Number 8 Numeric

17.5.5. 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

17.6. Field Definitions

The following table outlines the field definitions for ANZ Lockbox
Field Definition Format

Record Type Field to properly identify the proper processing for each record: Alpha/numeric
“0” for Header
“1” for Detail
“9” for Trailer

Biller Code This is a code issued by ANZPS to uniquely identify each LockBox
service.

File Sequence A number, increasing by 1 for each file transmitted to differentiate Numeric
Number between files. 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

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Field Definition Format

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 This is a sequential number allocated to each transaction as captured 4 digits
Number and differentiates between transactions in the file. The same Right-justified
transaction number is reported for all records captured in the same Zero-filled
transaction.

Transaction Serial This a number to support the tracing of transactions within the Numeric
Number Lockbox System. It is a sequential number produced by the Lockbox Right-justified
system. The Trace Serial Number increments for each document Zero-filled
captured. Each remittance advice and associated cheque(s) will have
separate Trace Serial Numbers.

Biller Reference The number allocated by the Biller for each client and printed in the Alphanumeric
Number code line of the remittance advice. There may actually be a number of Right-justified
subfields within this field to represent a variety of fields that are Zero-filled
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.

Transaction Credit The amount of the remittance advice. Numeric

Amount Right-justified
Zero-filled

Actual Amount The amount which is used to balance the transaction by matching the Numeric
cheque value presented. Right-justified
Zero-filled

Credit Card The amount captured from the remittance advice. This is the amount Numeric
Remittance Advice due, not necessarily the amount paid. Right-justified
Amount Zero-filled

Credit Card DR The amount debited to the client’s credit card and credited to the Numeric
Amount biller. Right-justified
Zero-filled

Credit Card Number The 16 Digit credit card number provided by the client.

Authorisation Number The allocated authorisation number for approved credit card Numeric
transactions. 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 Cheque Serial number from the cheque. Including the check digit if Numeric
Number present. 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 Account Number from the cheque. This is the account on which the Numeric
Number cheque was drawn. Right-justified
Zero-filled

Cheque Tran Code The Tran Code from the cheque code line. This is usually “000” or Numeric
“009”. Right-justified
Zero-filled

Number of Detail Count of the number of Detail Records. It is the number of records of Numeric
Records Record Type 1. Right-justified
Zero-filled

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Field Definition Format

Sum of Cheque DR Total of all Cheque DR Amount fields. This is the value of cheques Numeric
Amount Fields processed during the day. Right-justified
Zero-filled

Sum of Credit Card Total of Credit Card DR Amount fields. This is the value of Credit Card Numeric
DR Amount Fields transactions which have been lodged for processing. Right-justified
Zero-filled

Sum of Cheque & The sum of the 2 previous figures, i.e.: Cheque DR and Credit Card Numeric
Credit Card DR DR Amount fields. It is the total value of the day’s processing. Right-justified
Amount Fields Zero-filled

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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.

18.2. Record File Format

TIRPC Titan Standard Remittance Processing MICR file
Length: 80 characters

Field Attributes Description

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

C = cash,
R = remittance advice,
05 TIRP-TRAN-TYPE PIC X(1)
H = holdover
B = balancing credit

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 03 TIRP-TRAILER-RECORD redef
TIRP-RECORD

05 TIRP-RECTYPE-T PIC x Value ‘T’ for detail

The total of debits and credits not worrying about

05 TIRP-HASH-TOTAL PIC 9(14)V99
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

18.3. 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 169 of 265

19. Enhanced Cheque Processing (Australia only)

19.1. Introduction
The following section outlines the file format specifications for Enhanced Cheque Processing
(COEE) files.

19.2. Standard File Naming Convention

COEE file name standard is as follows: AAAXNNNZ.COE
Where:

AAA
A 3 Character identifier for a customer set by ANZ and provided to the Customer at
implementation time.

X
Represents the ANZ Transaction Processing Centre (TPC) at which the matching of the
paper item and the electronic item will occur. This will be advised to the customer at
implementation and is specific to each customer location. Customers may have their
paper items clearing at different TPC depending on their branch locations. As such they
will be required to produce a separate file for each TPC. Valid entries for this character
are:
 “S” – Sydney TPC
 “M” – Melbourne TPC (Includes Tasmania)
 “B” – Brisbane TPC
 “A” – Adelaide TPC
 “P” – Perth TPC
 “D” – Darwin TPC

NNN
The Sequence number of the file (e.g.. 001). This will increment by one for each file a
customer sends to each TPC.

Z
Processing Indicator – Valid entries for this character are:
 “I” – Interim File – Defines that this is NOT the last file for the customer for the Day.
 “F” – Final File – Defines that this IS the last file for the customer for the Day.
This Indicator will enable each State TPC to determine that all files for a customer have
been received for a processing day.

COE
Literal file extension – Identifies incoming file as a COEE file.

All file names can be changed via request.

19.3. File Layout

The COEE file consists of 3 Record Types:

Header - Identifies the submitting Appointer and the date to process the file

Detail - A record for each cheque to be processed

Trailer -Confirmation of the value and quantity of cheques detailed in the file.

Page 170 of 265

 19.4. Enhanced Cheque Processing File Format

Each record is of a fixed length. Therefore where a field is optional it must either be space
or zero filled as required.

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

DD Day of the month, e.g. 18 for the 18th

MM Number of the month, e.g. 07 for July

CCYY Century and year of the century, e.g. 2005

LJ Left Justified

RJ Right Justified

SF Space Filled

ZF Zero Filled

hhmmss Two digit hour, two digit minute, two digit second expressed in 24
hour time
Note: Although these records have been based on the APCS 9000, 1010, and 9090 record
types they are not exactly the same. Similar field names, sizes and contents have been
used wherever practical.

19.4.1. Header Record

The following table outlines the format for the Header Record:
Field Description Definition Mandatory Other Information

Record Type Denotes Header N (4) Yes Literal of “0000”

Version Version number of file format N (2) RJZF Yes E.g. this is version 1.2 so the
value would be “12”

Transmission Date The date the file is sent to ANZ for N (8) RJZF Yes Format: CCYYMMDD
exchange and settlement E.g. “20050615” for 15th
June 2005

BSB (Collecting FI) The BSB of the negotiating N (6) Yes E.g. “032055”, the BSB with
Appointer the hyphen removed

Appointer Name Name of the submitting Appointer X (12) LJSF Yes E.g. “ANZ Banking “ or
{spaces}

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 N (6) RJZF Yes Format: hhmmss
Appointer E.g. “165503” for 4:55.03pm

File Sequence An incremental sequence number N (3) RJZF Yes E.g. “003” for the third file,
Number for the file used by ANZ to ensure or “000”
duplicate files are not processed

FileName The File Name of This File X (12) Yes Refer to File Naming
Convention Section above.

Page 171 of 265

 19.4.2. Detail Record
The following table outlines the format of the Detail Record:
Field Description Definition Mandatory Other Information

Record Type Denotes Detail record N (4) Yes Literal of “0001”

Capture Date Date that file is to be N (8) Yes Format: CCYYMMDD

processed E.g. “20050615” for 15th June 2005

Customer ID Three Character X (3) Yes E.g.. HBS – Heritage, AON – AON,
Customer ID GBS – Greater BS, NEW –
Newcastle BS

Extra Auxiliary Extra Auxiliary Domestic N (11) LJSF Yes E.g. “123456789 “, if DBT
Domestic (Any agent deposit code) {spaces}

Auxiliary Domestic Auxiliary Domestic (or N (9) LJSP Yes E.g. “123456789“ or “123456 “, if
Cheque Number) CRT {spaces}

BSB The BSB of the cheque N (6) Yes E.g. “032055”, the BSB with the
hyphen removed

Account Number The account number N (23) LJSF Yes E.g. “999999999 ”, > zero
from the item required

Transaction code Transaction code of this N (3) LJSF Yes (If on cheque), e.g. “50 “ or or
type of voucher {spaces}

Amount Value of the cheque N (12) RJZF Yes Amount expressed in cents
E.g. “000000011515” for $115.15

DHR_IND Delayed paper or sort X (1) Yes {space} = Process cheque

requirement indicator “D” = Delayed Transaction
“H” = Hold over cheque
“R” = Return cheque to customer

Manual Repair Indicates if the details of N (1) Yes Literal of “1” if manually repaired or
the cheque were “0” if not
manually captured at the
Appointer’s branch

Cust_Rec_ID Customers Record X (12) Yes Customers’ Unique record Reference

Reference or {spaces}.

Doc Type Is the document a debit X (3) Yes Literal “DBT” or “CRT”
or credit

Cap Bch ID Appointers capture N (6), RJZF Yes E.g. “012555” or {spaces}
branch ID

Cap Bch Name Appointers capture X (16) LJSF Yes E.g. “Sydney ” or {spaces}
branch name

Image File Name* File Name of associated X (20) LJSF Yes {spaces}
Image File Future Use only.
Format: 16.3 - Includes literal ’.’

Front Image Offset within X (10) LJSF Yes {spaces}

Offset* concatenated image file Only Required For Concatenated
of the front Image Image Files

Front Image Length (Size) of the front X (10) LJSF Yes {spaces}
Length* Image within the Only Required For Concatenated
concatenated image file Image Files

Rear Image Offset* Offset within X (10) LJSF Yes {spaces}

concatenated image file Only Required For Concatenated
of the rear Image Image Files

Rear Image Length (Size) of the rear X (10) LJSF Yes {spaces}

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Length* Image within the Only Required For Concatenated
concatenated image file Image Files
* Note: Included for Future Use only. Included for Image truncation functionality.

19.4.3. Trailer Record

The following table outlines the format of the Trailer Record:
Field Description Definition Mandatory Other Information

Record Type Denotes Trailer record N (4) Yes Literal of “9999”

File Credit Total Total value of the credit N (18) RJZF Yes Amount expressed in cents
Amount items in the file (i.e. “D” E.g. “0000000123456789” would
and space indicator be $1,234,567.89
values)

File Debit Total Total value of the debit N (18) RJZF Yes Amount expressed in cents
Amount items in the file (i.e. “D” E.g. “0000000123456789” would
and space indicator be $1,234,567.89
values)

File Count of Credit Count of the number of N (6) RJZF Yes E.g. “007112” for 7,112 credit
Items credit items (cheques to items in the file
be processed i.e. “D” and
space indicator items) in
the file

File Count of Debit Count of the number of N (6) RJZF Yes E.g. “007112” for 7,112 debit items
Items debit items (cheques to in the file
be processed i.e. “D: and
space indicator items) in
the file

Hold Items Count of the number N (5) RJZF Yes E.g. “00321” for 321 items to be
items (cheques) to be held over
held over to the next day
(i.e. “H” indicator)

Return Items Count of the number of N (5) RJZF Yes E.g. “00001” if 1 item is to be
items (cheques) to be returned to the corporate
returned to the corporate
that processing day (i.e.
“R” indicator)

Note: 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. It is against these
figures that the daily activity reports will be prepared and submitted to the client. These
reports will confirm the actual details processed, any surplus items and compare them to
the expected number and value to be processed allowing both organisations to immediately
manage any discrepancies.

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 20. Bank@Post Customer Transaction Data File &
Customer Transaction Report

20.1. Introduction
Transaction Data Files and Customer Transaction Reports will be produced on every
business day where transactions have occurred. File Naming Convention

20.1.1. 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

20.1.2. 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.

20.2. File Format

20.2.1. 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

20.2.2. Bank@PostTransaction Record

Bank@Post Record File Structure—Details of Transaction
# Field Description Alpha / Size Sort Position
Numeric
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
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

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 7 Transaction Type Name Either “Deposit Cash Cheques”, Alpha/Numeric 20 54-73
“Deposit Cheques” or “Deposit
Cash”
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 Numeric 7 2 80-86
zeros
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 - Alpha/Numeric 1 126- 126
normally a space
Space = positive,
1 = Adjustment/Operator Error,
2 = Dishonoured Cheque,
3 = Dishonour Cheque Fee

18 Filler Space 4 127-130

19 CR/LF 2 131- 132

20.2.3. 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
Signed amount in cents (includes
6 Transaction File Total Amount trailing plus or minus sign) Numeric 12 69-80
7 Filler Spaces Alpha 50 81- 130
8 CR/LF Alpha 2 131-132

Page 175 of 265

20.3. Sample Bank@PostCustomer Transaction Report

Page 176 of 265

21. Appendices

21.1. Appendix A – BAI/Transaction Codes (Tandem)

The following tables describe the transaction identifying codes within 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’s Tandem system.

21.1.1. Transaction code descriptions - HFR Source.

The following table describes the Transaction Codes and descriptions for HFR Source
accounts:

Transaction AUX Ref 10 CHAR ANZ OnLine/ ANZ LASER STATEMENT

Code DOM Narrative Transactive (40 CHARACTERS)
– Tran Type

-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

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 Transaction AUX Ref 10 CHAR ANZ OnLine/ ANZ LASER STATEMENT
Code DOM Narrative Transactive (40 CHARACTERS)
– Tran Type

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

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

Page 178 of 265

 Transaction AUX Ref 10 CHAR ANZ OnLine/ ANZ LASER STATEMENT
Code DOM Narrative Transactive (40 CHARACTERS)
– Tran Type

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

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

Page 179 of 265

 Transaction AUX Ref 10 CHAR ANZ OnLine/ ANZ LASER STATEMENT
Code DOM Narrative Transactive (40 CHARACTERS)
– Tran Type

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

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

Page 180 of 265

 Transaction AUX Ref 10 CHAR ANZ OnLine/ ANZ LASER STATEMENT
Code DOM Narrative Transactive (40 CHARACTERS)
– Tran Type

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

Page 181 of 265

 Transaction AUX Ref 10 CHAR ANZ OnLine/ ANZ LASER STATEMENT
Code DOM Narrative Transactive (40 CHARACTERS)
– Tran Type

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

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 AFT AFT PRI CR AUTOMATIC FUNDS TRANSFER

63 0 5 AFT AFT CR AUTOMATIC FUNDS TRANSFER

64 0 2 DEP ERROR DEP ERR CR ERROR IN DEPOSIT amount

65 0 AGT

Page 182 of 265

 Transaction AUX Ref 10 CHAR ANZ OnLine/ ANZ LASER STATEMENT
Code DOM Narrative Transactive (40 CHARACTERS)
– Tran Type

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

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

Page 183 of 265

 Transaction AUX Ref 10 CHAR ANZ OnLine/ ANZ LASER STATEMENT
Code DOM Narrative Transactive (40 CHARACTERS)
– Tran Type

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 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

Page 184 of 265

 Transaction AUX Ref 10 CHAR ANZ OnLine/ ANZ LASER STATEMENT
Code DOM Narrative Transactive (40 CHARACTERS)
– Tran Type

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

21.1.2. Transaction code descriptions - CMM Source

The following table describes the Transaction Codes and descriptions for CMM Source
accounts:

Transaction AUX Ref 10 CHAR ANZ OnLine/ ANZ LASER STATEMENT

Code DOM Narrative Transactive (40 CHARACTERS)
– Tran Type

-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

Page 185 of 265

 Transaction AUX Ref 10 CHAR ANZ OnLine/ ANZ LASER STATEMENT
Code DOM Narrative Transactive (40 CHARACTERS)
– Tran Type

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

Page 186 of 265

 Transaction AUX Ref 10 CHAR ANZ OnLine/ ANZ LASER STATEMENT
Code DOM Narrative Transactive (40 CHARACTERS)
– Tran Type

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

Page 187 of 265

 Transaction AUX Ref 10 CHAR ANZ OnLine/ ANZ LASER STATEMENT
Code DOM Narrative Transactive (40 CHARACTERS)
– Tran Type

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

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

Page 188 of 265

 Transaction AUX Ref 10 CHAR ANZ OnLine/ ANZ LASER STATEMENT
Code DOM Narrative Transactive (40 CHARACTERS)
– Tran Type

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

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

Page 189 of 265

 Transaction AUX Ref 10 CHAR ANZ OnLine/ ANZ LASER STATEMENT
Code DOM Narrative Transactive (40 CHARACTERS)
– Tran Type

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

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

Page 190 of 265

 Transaction AUX Ref 10 CHAR ANZ OnLine/ ANZ LASER STATEMENT
Code DOM Narrative Transactive (40 CHARACTERS)
– Tran Type

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

53 9992 POS

53 9993 POS

53 9994 POS

Page 191 of 265

 Transaction AUX Ref 10 CHAR ANZ OnLine/ ANZ LASER STATEMENT
Code DOM Narrative Transactive (40 CHARACTERS)
– Tran Type

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 AFT AFT PRI CR AUTOMATIC FUNDS TRANSFER

63 0 5 AFT 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 #

Page 192 of 265

 Transaction AUX Ref 10 CHAR ANZ OnLine/ ANZ LASER STATEMENT
Code DOM Narrative Transactive (40 CHARACTERS)
– Tran Type

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

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

Page 193 of 265

 Transaction AUX Ref 10 CHAR ANZ OnLine/ ANZ LASER STATEMENT
Code DOM Narrative Transactive (40 CHARACTERS)
– Tran Type

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

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

Page 194 of 265

 Transaction AUX Ref 10 CHAR ANZ OnLine/ ANZ LASER STATEMENT
Code DOM Narrative Transactive (40 CHARACTERS)
– Tran Type

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
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

Page 195 of 265

 21.1.3. Transaction Code to BAI Code Mapping
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 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

Refer also to Appendix C for recognising transactions from the Auxdom and Trancode.

ANZ Details BAI Tran

Description
Code Type
TRAN_CODE AUXDOM REF-IND IEB_CODE

-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

Page 196 of 265

 ANZ Details BAI Tran
Description
Code Type
TRAN_CODE AUXDOM REF-IND IEB_CODE

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

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

Page 197 of 265

 ANZ Details BAI Tran
Description
Code Type
TRAN_CODE AUXDOM REF-IND IEB_CODE

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

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

Page 198 of 265

 ANZ Details BAI Tran
Description
Code Type
TRAN_CODE AUXDOM REF-IND IEB_CODE

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

Page 199 of 265

 ANZ Details BAI Tran
Description
Code Type
TRAN_CODE AUXDOM REF-IND IEB_CODE

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

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

Page 200 of 265

 ANZ Details BAI Tran
Description
Code Type
TRAN_CODE AUXDOM REF-IND IEB_CODE

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

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

Page 201 of 265

 ANZ Details BAI Tran
Description
Code Type
TRAN_CODE AUXDOM REF-IND IEB_CODE

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

Page 202 of 265

 ANZ Details BAI Tran
Description
Code Type
TRAN_CODE AUXDOM REF-IND IEB_CODE

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

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

Page 203 of 265

 ANZ Details BAI Tran
Description
Code Type
TRAN_CODE AUXDOM REF-IND IEB_CODE

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

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

Page 204 of 265

 ANZ Details BAI Tran
Description
Code Type
TRAN_CODE AUXDOM REF-IND IEB_CODE

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

Page 205 of 265

 ANZ Details BAI Tran
Description
Code Type
TRAN_CODE AUXDOM REF-IND IEB_CODE

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:
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.

Page 206 of 265

21.2. Appendix B – BAI/Transaction Codes – (ANZ Transactive)
The following tables describe the transaction identifying codes within 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.

21.2.1. 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 AUXDOM Transaction Type Decription

Code
142 051 155 CWTH L INT COMMONWEALTH LOAN INTEREST

142 053 155 PAY/SALARY PAY/SALARY

142 098 155 PAYMENT PERIODIC TRANSFER

142 * * CREDIT AP – CREDIT

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

169 050 15884 PENSION PENSION/SUPERANNUATION (FID ONLY IN

TAS)

169 050 17342 TRANSFER TRANSFER CREDIT

169 050 79583 FHOG TFR FIRST HOME OWNERS GRANT

169 050 * TRANSFER TRANSFER CREDIT

169 052 15884 FAM PAY FAMILY ALLOW/CHILD END (FID ONLY IN
TAS)

169 052 * FAM PAY FAMILY ALLOWANCE/CHILD ENDOWMENT

169 053 9046 PHONE BANK ANZ PHONE BANKING

169 053 9064 PHONE BANK ANZ PHONE BANKING

169 053 * PAY/SALARY PAY/SALARY

169 099 75 TRANSFER ANZ MTS FUNDS 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

Page 207 of 265

 BAI Code Transaction AUXDOM Transaction Type Decription
Code
169 * * TRANSFER PHONE BANKING CREDIT TRANSFER

172 064 * DEP ERR CR ERROR IN DEPOSIT (LESS THAN $2.00)

172 064 * ERROR CR ERROR IN DEPOSIT (LESS THAN $2.00)

175 053 75 CARD ENTRY CARD ENTRY AT BRANCH

175 053 * PAY/SALARY PAY/SALARY

175 060 * AGT AGENT NUMBER - COLLECTION ITEMS

175 060 * BP AGT AGENT NUMBER - COLLECTION ITEMS

175 070 * DEPOSIT PERSONAL DEP TO NEW SSA / CUSTOMER

DEP

175 070 * DEPOSIT PERSONAL DEP TO NEW SSA/CUSTOMER

DEP

175 099 * DEPOSIT CASH/CHEQUE DEPOSIT

175 * * DEPOSIT BRANCH - CHEQUE ONLY DEPOSIT

175 * * DEPOSIT BRANCH - CASH/CHEQUE DEPOSIT

175 * * DEPOSIT PROOF DEPOSIT

195 000 9999 TRANSFER HOME BANKING TRANSFER

195 050 5 CREDIT CREDIT REPOST

195 050 43 HARVEST CR TRANSFER FROM HARVEST ACCOUNT

195 050 44 BAL TFR BALANCE TRANSFERRED

195 050 48 TRANSFER TRANSFER FROM CASH MANAGEMENT

ACCOUNT

195 050 9999 TFR CREDIT HOME BANKING TRANSFER

195 050 9999 TRANSFER HOME BANKING TRANSFER

195 050 * TRANSFER HOME BANKING TYPE 8

195 050 * TRANSFER HOME BANKING TYPE 9

195 050 * TRANSFER TRANSFER CREDIT

195 053 1219 LM TRF CR LIQUIDITY MANAGEMENT TRANSFER

195 053 9047 INTERNET ANZ PC BANKING

195 053 9050 INTERNET SHARE TRADE DEP/FUNDS TFR

195 053 9050 TRANSFER SHARE TRADE DEP/FUNDS TFR

195 053 9051 INTERNET ANZ INTERNET BANKING TRANSFER

195 053 9051 TRANSFER ANZ INTERNET BANKING TRANSFER

195 053 9052 INTERNET ANZ INTERNET BANKING TRANSFER

195 053 9052 TRANSFER ANZ INTERNET BANKING TRANSFER

195 053 9062 INTERNET ONLINE FUNDS TRANSFER

Page 208 of 265

 BAI Code Transaction AUXDOM Transaction Type Decription
Code
195 053 9063 INTERNET ANZ PC BANKING

195 053 9064 PHONE BANK ANZ PHONE BANKING

195 053 9066 GOMONY TRF ANZ MOBILE BANKING FUNDS TRANSFER

195 053 * ATMDeposit ANZ ATM Deposit

195 053 * ATMFundsTr ANZ ATM Funds Transfer(CR)

195 053 * VisaCredit Visa Credit

195 054 * PENSION Cash Management Online Direct Credit

(SDMC) - CR

195 055 * ALLOTMENT Cash Management Online Direct Credit

(SDMC) - CR

195 055 * ALLOTMENT SERVICE ALLOTMENT

195 060 * AGT AGENT NUMBER - COLLECTION ITEMS

195 060 * TRANSFER RE-DIRECTED CR FROM TDA

195 070 4060 RTGS PMT RTGS PAYMENT

195 070 4110 RTGS PMT DOMESTIC TT RECEIVED

195 070 4130 RTGS SENT DOMESTIC TT REMITTED

195 070 4150 TRANSFER TRANSFER REFERENCE

195 089 3040 DEP TFR DEPOSIT OF TRANSFERRED FUNDS

195 089 4010 BPAY CASH BPAY CASH PAYMENT

195 089 4020 BPAY CARD BPAY CARD PAYMENT

195 089 4060 RTGS PMT RTGS PAYMENT

195 089 4110 RTGS PMT DOMESTIC TT RECEIVED

195 089 4130 RTGS SENT DOMESTIC TT REMITTED

195 089 9000 TRANSFER TRANSFER

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

Page 209 of 265

 BAI Code Transaction AUXDOM Transaction Type Decription
Code
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

206 089 4150 BOOK TFR TRANSFER REFERENCE

206 * * TRANSFER Cash Management Online Funds Transfer

(SDSC) - CR

208 070 4100 OS REMIT OFFSHORE TT RECEIVED

208 070 4120 OS TT SENT OFFSHORE TT REMITTED

208 089 100 OB CR OVERSEAS BILL

208 089 100 TRADE OVERSEAS BILL

208 089 2010 OS REMIT OVERSEAS REMITTANCE

208 089 4100 OS REMIT OFFSHORE TT RECEIVED

208 089 4120 OS TT SENT OFFSHORE TT REMITTED

208 089 EBDFLT EB CREDIT PEFT PAYMENT

214 * * CREDIT BRANCH FOREIGN EXCHANGE CR

224 053 9082 GOMONY COM ANZ MOBILE BANKING COMMISSION

227 098 * PAYMENT PERMANENT ENTRY (P/P)

238 056 155 DIVIDEND DIVIDEND

238 056 * DIVIDEND Cash Management Online Direct Credit

(SDMC) - CR

238 056 * DIVIDEND DIVIDEND

252 093 13 REV REPAY REVERSAL LOAN REPAYMENT

252 093 102 REV COMDRN Rev Commitment Drawn Fee

252 093 103 REV COMUDR Rev Commitment Undrawn Fee

252 093 104 REV ARR LF Rev Arrangement Line Fee

252 093 4100 REV OS DR REV OFF SHORE TELEGRAPHIC TRANSFER

RCVD

252 093 4110 REV OS DR REVR DOMESTIC TELEGRAPHIC TRANSFER

RECD

252 093 4120 REV OS DR REVERSAL OF DEBIT

Page 210 of 265

 BAI Code Transaction AUXDOM Transaction Type Decription
Code
252 093 4130 REV RTGS REV DOMESTIC TELEGRAPHIC TFR
REMITTED

252 093 4140 REV PMT FE REVERSAL OF DEBIT

252 093 4150 REV OWNTFR REVERSAL OF TRANSFER REFERENCE

252 093 * REVERSAL REVERSAL OF DEBIT

252 093 * REVERSL CR UNIDENTIFIED CHANNEL CODE - "wildcard"

255 * * DISHONOUR DISHONOUR INWARD APCS - CR

257 093 * REVERSAL REVERSAL OF DEBIT

257 093 * REVERSL CR REVERSAL OF DEBIT

257 * * REVERSAL DISHONOUR INWARD BECS CR

257 * * REVERSL CR DISHONOUR INWARD BECS CR

266 093 * REVERSAL REVERSAL OF DEBIT

266 * * DISHONOUR ELECTRONIC DISHONOURS - DEBIT

266 * * REVERSAL DISHONOUR OUTWARD BECS DR

275 059 1219 LM SWP CR LIQUIDITY MANAGEMENT SWEEP

275 062 * AFT PRI CR AUTOMATIC FUNDS TRANSFER

275 063 * AFT CR AUTOMATIC FUNDS TRANSFER

295 * * ANZ ATM ANZ ATM CREDIT

295 * * ANZ ATM ANZ ATM CREDIT TRANSFER

349 096 117 TCF PRNCPL Tailored Commercial Facility PRINCIPAL

354 051 * CWTH L INT Cash Management Online Direct Credit

(SDMC) - CR

354 057 155 DEB INT DEBENTURE/NOTE INTEREST

354 057 * DEB INT Cash Management Online Direct Credit

(SDMC) - CR

354 057 * DEB INT DEBENTURE/NOTE INTEREST

354 096 118 TCF INT Tailored Commercial Facility INTEREST

354 097 * INT EARNED INTEREST PAID ON DEPOSITS

354 097 * INT EARNED UNIDENTIFIED CHANNEL CODE - "wildcard"

354 097 * INTEREST INTEREST

354 097 * INTEREST INTEREST PAID ON DEPOSITS

354 097 * INTEREST LIQUIDITY MANAGEMENT INTEREST

357 089 * REVERSL CR Reversal Credit

359 093 1 REV W/TAX REVERSAL OF RES W/TAX INCR-CUR YR

FROM XXXX-XXXXX

Page 211 of 265

 BAI Code Transaction AUXDOM Transaction Type Decription
Code
359 093 2 REV W/TAX REVERSAL OF N/R W/TAX INCR-CUR YR
FROM XXXX-XXXXX

359 093 3 REV W/TAX REVERSAL OF RES W/TAX INCR-PR YR

FROM XXXX-XXXXX

359 093 4 REV W/TAX REVERSAL OF N/R W/TAX INCR-PR YR FROM

XXXX-XXXXX

359 093 9 W/TAX ADJ Res W/Tax Adj Decr Cur Yr

359 093 10 W/TAX ADJ N/R W/Tax Adj Decr Cur Yr

359 093 11 W/TAX ADJ Res W/Tax Adj Decr Pr Yr

359 093 12 W/TAX ADJ N/R W/Tax Adj Decr Pr Yr

359 093 109 REV W/TAX REVERSAL OF RES W/TAX INCR-CUR YR

359 093 110 REV W/TAX REVERSAL OF N/R W/TAX INCR-CUR YR

359 093 111 REV W/TAX REVERSAL OF RES W/TAX INCR-PR YR

359 093 112 REV W/TAX REVERSAL OF N/R W/TAX INCR-PR YR

359 093 209 W/TAX ADJ Res W/Tax Adj Decr Cur Yr Oth

359 093 210 W/TAX ADJ N/R W/Tax Adj Decr Cur Yr Oth

359 093 211 W/TAX ADJ Res W/Tax Adj Decr Pr Yr Oth

359 093 212 W/TAX ADJ N/R W/Tax Adj Decr Pr Yr Oth

359 093 302 INT ADJ CR INT ADJ INC-CUR YR FROM XXXX-XXXXX

359 093 303 REVERS ADJ REVERSAL OF CR INT ADJ DEC-CUR YR

359 093 304 REVERS ADJ REVERSAL OF CR INT ADJ DEC-CUR YR

FROM XXXX-XXXXX

359 093 305 REVERS ADJ REVERSAL OF CR INT ADJ DEC-CUR YR

FROM XXXX-XXXXX

359 093 306 REVERS ADJ REVERSAL OF DR INT ADJ INC-CUR YR

359 093 307 REVERS ADJ REVERSAL OF DR INT ADJ INC-CUR YR

FROM XXXX-XXXX

359 093 308 REVERS ADJ REVERSAL OF DR INT ADJ INC-CUR YR

FROM XXXX-XXXX

359 093 309 REV W/TAX REVERSAL OF RES W/TAX INCR-CUR YR

FROM XXXX-XXXXX

359 093 310 REV W/TAX REVERSAL OF N/R W/TAX INCR-CUR YR

FROM XXXX-XXXXX

359 093 311 REV W/TAX REVERSAL OF RES W/TAX INCR-PR YR

FROM XXXX-XXXXX

359 093 312 REV W/TAX REVERSAL OF N/R W/TAX INCR-PR YR FROM
XXXX-XXXXX

359 093 314 INT ADJ CR INT ADJ INC-PR YR FROM XXXX-XXXXX

359 093 315 REVERS ADJ REVERSAL OF CR INT ADJ DEC-PR YR

Page 212 of 265

 BAI Code Transaction AUXDOM Transaction Type Decription
Code
359 093 316 REVERS ADJ REVERSAL OF CR INT ADJ DEC-PR YR FROM
XXXX-XXXXX

359 093 317 REVERS ADJ REVERSAL OF CR INT ADJ DEC-PR YR FROM
XXXX-XXXXX

359 093 318 REVERS ADJ REVERSAL OF DR INT ADJ INC-PR YR

359 093 319 REVERS ADJ REVERSAL OF DR INT ADJ INC-PR YR FROM
XXXX-XXXXX

359 093 320 REVERS ADJ REVERSAL OF DR INT ADJ INC-PR YR FROM
XXXX-XXXXX

359 093 323 INT ADJ DR INT ADJ DEC-PR YR FROM XXXX-XXXXX

359 093 326 INT ADJ CR INT ADJ INC-OTH YR FROM XXXX-XXXXX

359 093 327 REVERS ADJ REVERSAL OF CR INT ADJ DEC-OTH YR

359 093 328 REVERS ADJ REVERSAL OF CR INT ADJ DEC-OTH YR

FROM XXXX-XXXXX

359 093 329 REVERS ADJ REVERSAL OF CR INT ADJ DEC-OTH YR

FROM XXXX-XXXXX

359 093 330 REVERS ADJ REVERSAL OF DR INT ADJ INC-OTH YR

359 093 331 REVERS ADJ REVERSAL OF DR INT ADJ INC-OTH YR

FROM XXXX-XXXXX

359 093 332 REVERS ADJ REVERSAL OF DR INT ADJ INC-OTH YR

FROM XXXX-XXXXX

359 093 335 INT ADJ DR INT ADJ DEC-OTH YR FROM XXXX-
XXXXX

359 093 336 INT ADJ DR INT ADJ DEC-CUR YR FROM XXXX-
XXXXX

359 097 300 INT ADJ MANUAL CR INTEREST ADJUSTMENT INC-

CUR YR

359 097 301 INT ADJ CR INT ADJ INC-CUR YR FROM XXXX-XXXXX

359 097 309 INT ADJ MANUAL DR INTEREST ADJUSTMENT DEC-

CUR YR

359 097 310 INT ADJ DR INT ADJ DEC-CUR YR FROM XXXX-
XXXXX

359 097 312 INT ADJ MANUAL CR INTEREST ADJUSTMENT INC-PR

YR

359 097 313 INT ADJ CR INT ADJ INC-PR YR FROM XXXX-XXXXX

359 097 321 INT ADJ MANUAL DR INTEREST ADJUSTMENT DEC-

PR YR

359 097 322 INT ADJ DR INT ADJ DEC-PR YR FROM XXXX-XXXXX

359 097 324 INT ADJ MANUAL CR INTEREST ADJUSTMENT INC-

OTH YR

359 097 325 INT ADJ CR INT ADJ INC-OTH YR FROM XXXX-XXXXX

Page 213 of 265

 BAI Code Transaction AUXDOM Transaction Type Decription
Code
359 097 333 INT ADJ MANUAL DR INTEREST ADJUSTMENT DEC-
OTH YR

359 097 334 INT ADJ DR INT ADJ DEC-OTH YR FROM XXXX-
XXXXX

359 099 1 W/TAX ADJ Res W/Tax Adj Decr Cur Yr tfrd

359 099 2 W/TAX ADJ N/R W/Tax Adj Decr Cur Yr tfrd

359 099 3 W/TAX ADJ Res W/Tax Adj Decr Pr Yr tfrd

359 099 4 W/TAX ADJ N/R W/Tax Adj Decr Pr Yr tfrd

366 053 75 CARD ENTRY CARD ENTRY AT BRANCH

366 060 * AGT AGENT NUMBER - COLLECTION ITEMS

366 070 * CREDIT PERSONAL DEP TO NEW SSA/CUSTOMER

DEP

366 070 * DEPOSIT PERSONAL DEP TO NEW SSA/CUSTOMER

DEP

366 * * DEPOSIT BRANCH - CASH DEPOSIT

373 053 * PAY/SALARY Cash Management Online Direct Credit

(SDMC) - CR

398 053 104 ARR LNFEE Rebate Arrangement Line Fee

398 053 9069 GOMONY RFD ANZ MOBILE BANKING TOP UP REFUND

399 000 9990 POS HOME BANKING

399 000 9991 POS HOME BANKING

399 000 9992 POS HOME BANKING

399 000 9993 POS HOME BANKING

399 000 9994 POS HOME BANKING

399 000 9995 POS HOME BANKING

399 000 9996 POS HOME BANKING

399 000 9997 POS HOME BANKING

399 000 9998 POS HOME BANKING

399 050 41 DRAWDWN CR PROCEEDS OF LOAN DRAWDOWN

399 050 47 SETTLE CR SETTLEMENT

399 050 49 D/DOWN TFR TRANSFER FROM LOAN ACCOUNT

399 050 9047 REVERSAL REVERSAL OF ANZ PC BANKING

399 050 9990 POS HOME BANKING

399 050 9991 POS HOME BANKING

399 050 9993 POS HOME BANKING

399 050 9994 POS HOME BANKING

Page 214 of 265

 BAI Code Transaction AUXDOM Transaction Type Decription
Code
399 050 9995 POS HOME BANKING

399 050 9996 POS HOME BANKING

399 050 9997 POS HOME BANKING

399 050 9998 POS HOME BANKING

399 050 * MISC CR UNIDENTIFIED CHANNEL CODE - "wildcard"

399 051 * CWTH L INT COMMONWEALTH LOAN INTEREST

399 051 * MISC CR UNIDENTIFIED CHANNEL CODE - "wildcard"

399 052 * FAM PAY Cash Management Online Direct Credit

(SDMC) - CR

399 052 * MISC CR UNIDENTIFIED CHANNEL CODE - "wildcard"

399 053 75 CARD ENTRY CARD ENTRY AT BRANCH

399 053 1118 INT REALL LIQUIDITY MANAGEMENT INTEREST

399 053 9067 GOMONY PAY ANZ MOBILE BANKING PAYMENT

399 053 9068 GOMONY TUP ANZ MOBILE BANKING TOP UP

399 053 9081 GOMONY PAY ANZ MOBILE BANKING PAYMENT

399 053 9083 GOMONY RFD ANZ MOBILE BANKING COMMISSION

REFUND

399 053 9086 GOMONY DON ANZ MOBILE BANKING PAYMENT

399 053 * MISC CR UNIDENTIFIED CHANNEL CODE - "wildcard"

399 053 * POSDeposit Point of Sale (POS) Deposit

399 054 253 PENSION PENSION/SUPERANNUATION (FID ONLY IN

TAS)

399 054 1248 PENSION PENSION/SUPERANNUATION DEPOSIT

399 054 15884 PENSION PENSION/SUPERANNUATION (FID ONLY IN

TAS)

399 054 24507 PENSION PENSION/SUPER (FID EXEMPT SA, VIC &
WA)

399 054 90181 PENSION PENSION/SUPER (FID EXEMPT SA, VIC &
WA)

399 054 * MISC CR UNIDENTIFIED CHANNEL CODE - "wildcard"

399 054 * PENSION PENSION/SUPERANNUATION

399 055 * MISC CR UNIDENTIFIED CHANNEL CODE - "wildcard"

399 056 * MISC CR UNIDENTIFIED CHANNEL CODE - "wildcard"

399 057 * MISC CR UNIDENTIFIED CHANNEL CODE - "wildcard"

399 058 * MISC CR UNIDENTIFIED CHANNEL CODE - "wildcard"

399 059 * MISC CR UNIDENTIFIED CHANNEL CODE - "wildcard"

399 060 1 TERM DEP TERM DEPOSIT

Page 215 of 265

 BAI Code Transaction AUXDOM Transaction Type Decription
Code
399 060 2 T/D INT TERM DEPOSIT INTEREST

399 060 * MISC CR UNIDENTIFIED CHANNEL CODE - "wildcard"

399 061 * MISC CR UNIDENTIFIED CHANNEL CODE - "wildcard"

399 064 * MISC CR UNIDENTIFIED CHANNEL CODE - "wildcard"

399 065 * MISC CR UNIDENTIFIED CHANNEL CODE - "wildcard"

399 066 * MISC CR UNIDENTIFIED CHANNEL CODE - "wildcard"

399 067 * MISC CR UNIDENTIFIED CHANNEL CODE - "wildcard"

399 068 * MISC CR UNIDENTIFIED CHANNEL CODE - "wildcard"

399 069 * MISC CR UNIDENTIFIED CHANNEL CODE - "wildcard"

399 070 * MISC CR UNIDENTIFIED CHANNEL CODE - "wildcard"

399 071 * MISC CR UNIDENTIFIED CHANNEL CODE - "wildcard"

399 072 * MISC CR UNIDENTIFIED CHANNEL CODE - "wildcard"

399 073 * MISC CR UNIDENTIFIED CHANNEL CODE - "wildcard"

399 074 * MISC CR UNIDENTIFIED CHANNEL CODE - "wildcard"

399 075 * MISC CR UNIDENTIFIED CHANNEL CODE - "wildcard"

399 076 * MISC CR UNIDENTIFIED CHANNEL CODE - "wildcard"

399 077 * MISC CR UNIDENTIFIED CHANNEL CODE - "wildcard"

399 078 * MISC CR UNIDENTIFIED CHANNEL CODE - "wildcard"

399 079 91 SETTLE CR SETTLEMENT CREDIT

399 079 * CREDIT CUSTOMER DEPOSIT

399 079 * DEPOSIT CUSTOMER DEPOSIT

399 079 * MISC CR CUSTOMER DEPOSIT

399 079 * MISC CR UNIDENTIFIED CHANNEL CODE - "wildcard"

399 079 * MISC CREDI CUSTOMER DEPOSIT

399 080 * MISC CR UNIDENTIFIED CHANNEL CODE - "wildcard"

399 081 * MISC CR UNIDENTIFIED CHANNEL CODE - "wildcard"

399 082 * MISC CR UNIDENTIFIED CHANNEL CODE - "wildcard"

399 083 * MISC CR UNIDENTIFIED CHANNEL CODE - "wildcard"

399 084 * MISC CR UNIDENTIFIED CHANNEL CODE - "wildcard"

399 085 * MISC CR UNIDENTIFIED CHANNEL CODE - "wildcard"

399 086 * MISC CR UNIDENTIFIED CHANNEL CODE - "wildcard"

399 087 * MISC CR UNIDENTIFIED CHANNEL CODE - "wildcard"

399 088 * MISC CR UNIDENTIFIED CHANNEL CODE - "wildcard"

Page 216 of 265

 BAI Code Transaction AUXDOM Transaction Type Decription
Code
399 088 * TELE TRF PROCEEDS OF TELEGRAPHIC TRANSFER

399 089 20 LOAN REPAY LOAN REPAYMENT

399 089 100 OB CR OVERSEAS BILL

399 089 1500 ERROR CR CREDIT UNRECONCILED

399 089 1800 FT CR FAST TRACK

399 089 2040 TRADE TRADE

399 089 2060 ED CR EXPORT COLLECTION

399 089 2060 TRADE EXPORT COLLECTION

399 089 2070 ED CR EXPORT COLLECTION

399 089 2070 TRADE EXPORT COLLECTION

399 089 2080 E CR EXPORT CREDIT

399 089 2080 ED CR EXPORT CREDIT

399 089 2080 TRADE EXPORT CREDIT

399 089 2200 CBILL ROLL NET SETTLMNT OF COMM BILL FACILITY
ROLLVR

399 089 2200 CBILL ROLL NET SETTLMNT OF COMM BILL FACILTY
ROLLVR

399 089 2300 CBILL DISC PROCEEDS OF DISC OF COMM BILL

399 089 2500 NET CBILL NET SETTLMNT - ROLLOVER COMM BILL
INVEST

399 089 2600 MAT CBILL MATURITY OF COMMERCIAL BILL

INVESTMENT

399 089 3010 ADJ CUSDEP ADJUSTMENT TO CUSTOMER DEPOSIT

399 089 3030 ADJ EMPDEP ADJUSTMENT TO EMPLOYER DEPOSIT

399 089 3190 SUPER GTEE SUPERANNUATION GUARANTEE CHARGE

399 089 4050 CHESS SETL CHESS SETTLEMENT

399 089 * MISC CR UNIDENTIFIED CHANNEL CODE - "wildcard"

399 089 EBDFLT EB CREDIT PEFT PAYMENT

399 090 * MISC CR UNIDENTIFIED CHANNEL CODE - "wildcard"

399 091 * MISC CR UNIDENTIFIED CHANNEL CODE - "wildcard"

399 092 * MISC CR UNIDENTIFIED CHANNEL CODE - "wildcard"

399 093 1 S/D REFUND STAMP DUTY REFUND

399 093 1118 INT ADJ LIQUIDITY MANAGEMENT INTEREST

399 093 1123 INT ADJ LIQUIDITY MANAGEMENT INTEREST

399 093 1124 INT ADJ LIQUIDITY MANAGEMENT INTEREST

399 093 1133 INT ADJ LIQUIDITY MANAGEMENT INTEREST

Page 217 of 265

 BAI Code Transaction AUXDOM Transaction Type Decription
Code
399 093 1165 INT ADJ LIQUIDITY MANAGEMENT INTEREST

399 093 1542 INT ADJ LIQUIDITY MANAGEMENT INTEREST

399 093 1550 INT ADJ LIQUIDITY MANAGEMENT INTEREST

399 093 * MISC CR UNIDENTIFIED CHANNEL CODE - "wildcard"

399 094 * MISC CR UNIDENTIFIED CHANNEL CODE - "wildcard"

399 095 * MISC CR UNIDENTIFIED CHANNEL CODE - "wildcard"

399 096 116 TCF FEES Tailored Commercial Facility FEES

399 096 * ADVICE CUSTOMER ADVISED CREDIT

399 096 * ADVISED CR CUSTOMER ADVISED CREDIT

399 096 * MISC CR UNIDENTIFIED CHANNEL CODE - "wildcard"

399 097 1118 INT ADJ LIQUIDITY MANAGEMENT INTEREST

399 097 1119 INT ADJ LIQUIDITY MANAGEMENT INTEREST

399 097 1133 INT ADJ LIQUIDITY MANAGEMENT INTEREST

399 097 * MISC CR UNIDENTIFIED CHANNEL CODE - "wildcard"

399 098 * MISC CR UNIDENTIFIED CHANNEL CODE - "wildcard"

399 099 70 TAPE CR CUSTOMER DEPOSIT

399 099 71 DISK CR CUSTOMER DEPOSIT

399 099 72 DIAL UP CR CUSTOMER DEPOSIT

399 099 74 ANZ CR CUSTOMER DEPOSIT

399 099 75 ONLINE CR CUSTOMER DEPOSIT

399 099 76 HOST CR CUSTOMER DEPOSIT

399 099 77 BUREAU CR CUSTOMER DEPOSIT

399 099 78 GROUP CR CUSTOMER DEPOSIT

399 099 * CREDIT CASH/CHEQUE DEPOSIT

399 099 * DEPOSIT CASH/CHEQUE DEPOSIT

399 099 * MISC CR UNIDENTIFIED CHANNEL CODE - "wildcard"

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

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 BAI Code Transaction AUXDOM Transaction Type Decription
Code
399 * * CREDIT MONEY MARKET CREDIT

399 * * CREDIT NOMINEES CREDIT

399 * * CREDIT SUPENANNUATION CREDIT

399 * * CREDIT SUPERANNUATION CREDIT

399 * * CREDIT SWIFT CREDIT

399 * * DEPOSIT DISTRIBUTION CREDIT

399 * * DEPOSIT VISION PLUS CREDIT

399 * * EB CREDIT VIPA CREDIT

399 * * INTERNET INTERNET BANKING MULTIPLE PAY ANYONE

CREDIT

399 * * INTNETBPAY INTERNET BANKING BILL PAY CREDIT

399 * * PAYMENT Cash Management Online Direct Credit

(SCMD) - CR

399 * * POS ANZ ONLINE CREDIT

399 * * POS ANZ ONLINE DEBIT

399 * * TRANSFER Cash Management Online Direct Debit

(SCMD) - CR

466 008 * PAYMENT CUSTOMER WITHDRAWAL (PERIODICAL

PAYMENT)

466 * * PAYMENT AP DEBIT

466 * * PAYMENT CAP BUREAU OTHER BANK (DEBIT DE)

466 * * PAYMENT NOMINEES DEBIT

467 008 * PAYMENT CUSTOMER WITHDRAWAL (PERIODICAL

PAYMENT)

467 * * PAYMENT AP DEBIT

467 * * PAYMENT CAP BUREAU OTHER BANK (DEBIT DE)

467 * * PAYMENT NOMINEES DEBIT

469 008 93 LEASE DUTY LEASE DUTY

469 008 94 LEASE LEASE RENTAL

469 008 3764 PAYMENT MORTGAGE PROTECTION INSURANCE

469 008 79012 S/TDE WDL SHARE TRADER WITHDRAWAL

469 008 144177 S/TDE WDL SHARE TRADER WITHDRAWAL

469 008 * PAYMENT CUSTOMER WITHDRAWAL (PERIODICAL

PAYMENT)

469 037 74 ANZ FEE MISCELLANEOUS DEBIT

469 037 75 ONLINE DR MISCELLANEOUS DEBIT

469 037 * DEBIT MISCELLANEOUS DEBIT

Page 219 of 265

 BAI Code Transaction AUXDOM Transaction Type Decription
Code
469 * * PAYMENT ANZ MTS DIRECT DEBIT

469 * * PAYMENT ANZ MTS FUNDS DEBIT

475 000 * CHEQUE DR BY CHEQUE/WARRANT

475 009 * CHEQUE CHEQUE FOR OUTSORTING

475 * * CHEQUE BRANCH - CASHED CHEQUE

475 * * CHEQUE BRANCH - CASH WITHDRAWAL

475 * * CHEQUE ELECTRONIC EXCHANGES - DEBIT

475 * * DEBIT PROOF CHEQUE WITHDRAWAL

477 008 302 P PAYMENT INTRA-BANK PP

477 008 302 PAYMENT INTRA-BANK PP

495 000 9999 TFR DEBIT HOME BANKING TRANSFER

495 008 44 TRANSFER TRANSFER

495 008 46 FHOG DR FIRST HOME OWNERS GRANT DEBIT

495 008 75 CARD ENTRY CARD ENTRY AT BRANCH

495 008 1199 LM TRF DR LIQUIDITY MANAGEMENT TRANSFER

495 008 9046 PHONE BANK ANZ PHONE BANKING

495 008 9047 INTERNET ANZ PC BANKING

495 008 9048 PHONE BPAY ANZ PHONE BANKING BILL PAYMENT

495 008 9049 INTNETBPAY ANZ PC BANKING BILL PAYMENT

495 008 9050 S/TDE WDL SHARE TRADE W/DRAWAL/FUNDS TFR

495 008 9051 INTERNET IB SDMC MULTI-TRANSFER

495 008 9052 INTERNET IB SDMC PAY-ANYONE

495 008 9061 INTERNET IB SDMC BILLPAY

495 008 9062 INTER BANK ONLINE FUNDS TRANSFER

495 008 9066 GOMONY TRF ANZ MOBILE BANKING FUNDS TRANSFER

495 029 4110 RTGS PMT DOMESTIC TT

495 029 4130 RTGS SENT DOMESTIC TT REMITTED

495 049 4110 RTGS PMT DOMESTIC TT RECEIVED

495 049 4150 TRANSFER TRANSFER

495 * * BPAY Cash Management Online Bill Pay(SDSC)

DR

495 * * BPAY Cash Management Online Multiple Bill Pay

(SDMC) - DR

495 * * INTERNET INTERNET BANKING DEBIT MULTIPLE

TRANSFER

Page 220 of 265

 BAI Code Transaction AUXDOM Transaction Type Decription
Code
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

506 029 4150 OWN AC TFR TRANSFER

506 * * TRANSFER Cash Management Online Funds Transfer

(SDSC) - DR

508 000 9074 INT/RTGS Cash Management Online -

International/RTGS

508 008 9074 INT/RTGS Cash Management Online -

International/RTGS

508 029 4100 OS REMIT OFFSHORE TT RECEIVED

508 029 4120 OS TT SENT OFFSHORE TT REMITTED

508 049 4100 OS REMIT OFFSHORE TT RECEIVED

508 049 4120 OS TT SENT OFFSHORE TT REMITTED

512 029 100 LC DR DRAWING OR CHARGE UNDER LETTER OF

CREDIT

514 * * DEBIT BRANCH FOREIGN EXCHANGE DR

524 008 9082 GOMONY COM ANZ MOBILE BANKING COMMISSION

527 008 * PAYMENT PERIODIC PAYMENT

544 011 * DEP ERR DR ERROR IN DEPOSIT UNDER $2.00

544 011 * ERROR DR ERROR IN DEPOSIT UNDER $2.00

552 029 30 REV REPAY REVERSAL LOAN REPAYMENT

552 034 104 REV ARR LF Rev of Rebate Arrangement Line Fee

552 034 * REVERSAL REVERSAL OF CREDIT

552 034 * REVERSL DR UNIDENTIFIED CHANNEL CODE - "wildcard"

555 034 * REVERSAL REVERSAL OF CREDIT

555 034 * REVERSL DR REVERSAL OF CREDIT

Page 221 of 265

 BAI Code Transaction AUXDOM Transaction Type Decription
Code
555 043 * DISHONOUR DISHONOUR OF CHEQUE LODGED FOR
CREDIT

555 043 * DISHONOUR UNIDENTIFIED CHANNEL CODE - "wildcard"

555 * * DISHONOUR DISHONOUR INWARD APCS - DR

555 * * DISHONOUR DISHONOUR OUTWARD APCS DR

555 * * DISHONOUR DISHONOUR OUTWARD BECS - DR

555 * * DISHONOUR ELECTRONIC DISHONOURS - CREDIT

555 * * REVERSAL DISHONOUR INWARD BECS DR

555 * * REVERSL DR DISHONOUR INWARD BECS DR

575 001 1199 LM SWP DR LIQUIDITY MANAGEMENT SWEEP

575 022 * AFT PRI DR AUTOMATIC FUNDS TRANSFER

575 023 * AFT DR AUTOMATIC FUNDS TRANSFER

595 008 9011 INTL ATM CIRRUS INTERNATIONAL ATM WITHDRAWAL

595 008 9012 INTL ATM PLUS INTERNATIONAL ATM WITHDRAWAL

595 * * ANZ ATM ANZ ATM DEBIT

595 * * ANZ ATM ANZ ATM DEBIT TRANSFER

595 * * INTL ATM INTERNATIONAL ATM

595 * * NONANZ ATM NON-ANZ ATM DEBIT TRANSFER

595 * * NONANZ ATM NON-ANZ ATM WITHDRAWAL

658 049 117 TCF PRNCPL Tailored Commercial Facility PRINCIPAL

659 030 109 W/TAX ADJ Res W/Tax Adj Incr Cur Yr

659 030 110 W/TAX ADJ N/R W/Tax Adj Incr Cur Yr

659 030 111 W/TAX ADJ Res W/Tax Adj Incr Pr Yr

659 030 112 W/TAX ADJ N/R W/Tax Adj Incr Pr Yr

659 030 210 W/TAX ADJ N/R W/Tax Adj Incr Cur Yr Oth

659 030 309 W/TAX ADJ Res W/Tax Adj Incr Cur Yr Oth

659 030 310 W/TAX ADJ N/R W/Tax Adj Incr Cur Yr Oth

659 030 311 W/TAX ADJ Res W/Tax Adj Incr Pr Yr Oth

659 030 312 W/TAX ADJ N/R W/Tax Adj Incr Pr Yr Oth

659 034 1 REV W/TAX REVERSAL OF RES W/TAX DECR-CUR YR

FROM XXXX-XXXXX

659 034 2 REV W/TAX REVERSAL OF N/R W/TAX DECR-CUR YR

FROM XXXX-XXXXX

659 034 3 REV W/TAX REVERSAL OF RES W/TAX DECR-PR YR

FROM XXXX-XXXXX

Page 222 of 265

 BAI Code Transaction AUXDOM Transaction Type Decription
Code
659 034 4 REV W/TAX REVERSAL OF N/R W/TAX DECR-PR YR
FROM XXXX-XXXXX

659 034 9 REV W/TAX REVERSAL OF RES W/TAX DECR-CUR YR

659 034 10 REV W/TAX REVERSAL OF N/R W/TAX DECR-CUR YR

659 034 11 REV W/TAX REVERSAL OF RES W/TAX DECR-PR YR

659 034 12 REV W/TAX REVERSAL OF N/R W/TAX DECR-PR YR

659 034 209 REV W/TAX REVERSAL OF RES W/TAX DECR-CUR YR

FROM XXXX-XXXXX

659 034 210 REV W/TAX REVERSAL OF N/R W/TAX DECR-CUR YR

FROM XXXX-XXXXX

659 034 211 REV W/TAX REVERSAL OF RES W/TAX DECR-PR YR

FROM XXXX-XXXXX

659 034 212 REV W/TAX REVERSAL OF N/R W/TAX DECR-PR YR

FROM XXXX-XXXXX

659 034 300 REVERS ADJ REVERSAL OF CR INT ADJ INC-CUR YR

659 034 301 REVERS ADJ REVERSAL OF CR INT ADJ INC-CUR YR

FROM XXXX-XXXXX

659 034 302 REVERS ADJ REVERSAL OF CR INT ADJ INC-CUR YR

FROM XXXX-XXXXX

659 034 303 INT ADJ MANUAL CR INTEREST ADJUSTMENT DEC-

CUR YR

659 034 304 INT ADJ CR INT ADJ DEC-CUR YR FROM XXXX-
XXXXX

659 034 305 INT ADJ CR INT ADJ DEC-CUR YR FROM XXXX-
XXXXX

659 034 306 INT ADJ MANUAL DR INTEREST ADJUSTMENT INC-

CUR YR

659 034 307 INT ADJ DR INT ADJ INC-CUR YR FROM XXXX-XXXXX

659 034 308 INT ADJ DR INT ADJ INC-CUR YR FROM XXXX-XXXXX

659 034 309 REVERS ADJ REVERSAL OF DR INT ADJ DEC-CUR YR

659 034 310 REVERS ADJ REVERSAL OF DR INT ADJ DEC-CUR YR

FROM XXXX-XXXX

659 034 311 REVERS ADJ REVERSAL OF DR INT ADJ DEC-CUR YR

FROM XXXX-XXXX

659 034 312 REVERS ADJ REVERSAL OF CR INT ADJ INC-PR YR

659 034 313 REVERS ADJ REVERSAL OF CR INT ADJ INC-PR YR FROM
XXXX-XXXXX

659 034 314 REVERS ADJ REVERSAL OF CR INT ADJ INC-PR YR FROM
XXXX-XXXXX

659 034 315 INT ADJ MANUAL CR INTEREST ADJUSTMENT DEC-

PR YR

659 034 316 INT ADJ CR INT ADJ DEC-PR YR FROM XXXX-XXXXX

Page 223 of 265

 BAI Code Transaction AUXDOM Transaction Type Decription
Code
659 034 317 INT ADJ CR INT ADJ DEC-PR YR FROM XXXX-XXXXX

659 034 318 INT ADJ MANUAL DR INTEREST ADJUSTMENT INC-PR

YR

659 034 319 INT ADJ DR INT ADJ INC-PR YR FROM XXXX-XXXXX

659 034 320 INT ADJ DR INT ADJ INC-PR YR FROM XXXX-XXXXX

659 034 321 REVERS ADJ REVERSAL OF DR INT ADJ DEC-PR YR

659 034 322 REVERS ADJ REVERSAL OF DR INT ADJ DEC-PR YR FROM
XXXX-XXXXX

659 034 323 REVERS ADJ REVERSAL OF DR INT ADJ DEC-PR YR FROM
XXXX-XXXXX

659 034 324 REVERS ADJ REVERSAL OF CR INT ADJ INC-OTH YR

659 034 325 REVERS ADJ REVERSAL OF CR INT ADJ INC-OTH YR

FROM XXXX-XXXXX

659 034 326 REVERS ADJ REVERSAL OF CR INT ADJ INC-OTH YR

FROM XXXX-XXXXX

659 034 327 INT ADJ MANUAL CR INTEREST ADJUSTMENT DEC-

OTH YR

659 034 328 INT ADJ CR INT ADJ DEC-OTH YR FROM XXXX-
XXXXX

659 034 329 INT ADJ CR INT ADJ DEC-OTH YR FROM XXXX-
XXXXX

659 034 330 INT ADJ MANUAL DR INTEREST ADJUSTMENT INC-

OTH YR

659 034 331 INT ADJ DR INT ADJ INC-OTH YR FROM XXXX-XXXXX

659 034 332 INT ADJ DR INT ADJ INC-OTH YR FROM XXXX-XXXXX

659 034 333 REVERS ADJ REVERSAL OF DR INT ADJ DEC-OTH YR

659 034 334 REVERS ADJ REVERSAL OF DR INT ADJ DEC-OTH YR

FROM XXXX-XXXXX

659 034 335 REVERS ADJ REVERSAL OF DR INT ADJ DEC-OTH YR

FROM XXXX-XXXXX

659 037 1 W/TAX ADJ Res W/Tax Adj Incr Cur Yr tfrd

659 037 2 W/TAX ADJ N/R W/Tax Adj Incr Cur Yr tfrd

659 037 3 W/TAX ADJ Res W/Tax Adj Incr Pr Yr tfrd

659 037 4 W/TAX ADJ N/R W/Tax Adj Incr Pr Yr tfrd

698 008 71 L/FEE C/BI LINE FEE - COMMERCIAL BILL

698 008 77 CL CR FEE ARRANGEMENTS TO CASH CHEQUES FEE

698 008 92 PP NON FEE FAILED FUNDS FEE

698 008 92 PP NON FEE PERIODICAL PAYMENT

698 008 96 GTEE FEE GUARANTEE FEES

Page 224 of 265

 BAI Code Transaction AUXDOM Transaction Type Decription
Code
698 008 97 D/PKT FEE DEED BOXES/PACKETS

698 008 98 NGT SF FEE NIGHT SAFE FEE

698 029 1000 FEC CHG CHARGES ON FORWARD EXCHANGE

CONTRACT

698 029 2010 OS CHARGE OVERSEAS REMITTANCE CHARGE

698 029 4060 RTGS FEE RTGS PAYMENT CHARGE

698 029 4140 PTY FEE PAYMENT PROCESSING FEE

698 030 1 MISC FEE MISCELLANEOUS FEE

698 030 2 CA FEE ACCOUNT KEEPING FEE

698 030 3 ADMIN FEE LOAN ADMINISTRATION FEE

698 030 4 L A FEE LIMIT/LOAN APPROVAL FEE

698 030 6 DSR FEE DISHONOUR FEE

698 030 10 T/O SEARCH TITLES OFFICE SEARCH FEE

698 030 11 REG FEE REGISTRATION FEE

698 030 12 STAMP DUTY STAMP DUTY

698 030 13 GUARANTEE GUARANTEE FEE

698 030 15 STATMT FEE ADDITIONAL STATEMENT FEE

698 030 16 TT FEE TELEGRAPHIC TRANSFER FEE

698 030 17 C/BILL FEE COMMERCIAL BILL FEE

698 030 18 CR DUTY FINANCIAL INSTITUTIONS DUTY

698 030 19 DEBIT TAX FEDERAL GOVERNMENT DEBITS TAX

698 030 20 LIST FEE PAYMENT FROM LIST FEE

698 030 21 S CLR FEE SPECIAL CLEARANCE FEE

698 030 22 T CHQ FEE TRAVELLERS' CHEQUES

698 030 22 T CHQ FEE TRAVELLER'S CHEQUES FEE

698 030 24 ERROR DR DEBIT UNRECONCILED/ERROR IN DEPOSITS

698 030 25 BK CHQ FEE BANK CHEQUE FEE

698 030 26 OPINION BANK OPINION FEE

698 030 27 SETTLE FEE SETTLEMENT FEE

698 030 28 T/O FEE TITLES OFFICE REGISTRATION FEE

698 030 28 T/O REG REGISTRATION OF PERSONAL PROPERTY

698 030 30 CLCR FEE ARRANGMNT TO CASH CHEQUES

EST/RENEW FEE

698 030 31 S/D FEE GOVT STAMP DUTY ON SECURITY

DOCUMENTS

Page 225 of 265

 BAI Code Transaction AUXDOM Transaction Type Decription
Code
698 030 32 S/D TFR GOVT STAMP DUTY ON TRANSFER OF LAND

698 030 35 PRO/LOD PROD/LODGMNT OF SECURITY DOCS FEE

698 030 38 LE FEE C/B COMMERCIAL BILL LINE FEE

698 030 39 ANZCASH FE CASH HANDLING FEE

698 030 42 EXCESS FEE OVERDRAWN ACCOUNT FEE

698 030 44 RECON FEE RECONCILIATION FEE

698 030 44 RECON FEE RECONCILLIATION FEE

698 030 45 TRANS FEE EXCESS TRANSACTIONS FEE

698 030 46 ATM FEE NON-ANZ ATM FEE

698 030 47 MAINT FEE ACCOUNT MAINTENANCE FEE

698 030 48 DEBIT FEE EXCESS DEBIT TRANSACTIONS (CMA)

698 030 49 CR FEE CREDIT FACILITY LINE

698 030 50 DEBIT DUTY FINANCIAL INSTITUTIONS DEBITS DUTY

698 030 51 EFTDD EFT DEBITS DUTY (GOVT - NT)

698 030 52 SEARCH FEE SEARCH FEE

698 030 53 RES W/TAX RESIDENT WITHHOLDING TAX

698 030 54 SLCTR FEE SOLICITOR'S FEE

698 030 56 EPT TAX ETP TAX

698 030 57 SUPER TAX SUPERANNUATION TAXES

698 030 58 AC SER FEE ACCOUNT SERVICING FEE

698 030 59 W/DRWL FEE WITHDRAWAL FEE

698 030 62 LK BOX FEE LOCKED BOX FEE - PERMANENT

698 030 63 LK BOX FEE LOCKED BOX FEE - TEMPORARY

698 030 64 PKT FEE STANDARD PKT FEE - UNSEALED

698 030 65 PKT FEE SEALED PKT FEE - PERMANENT

698 030 66 PKT FEE SEALED PKT FEE - TEMPORARY

698 030 67 NGHT FEE NIGHT SAFE FEE - TEMPORARY

698 030 68 LKBOX RENT LOCKED RENTAL BOX FEE

698 030 69 NGHT FEE NIGHT SAFE FEE - PERMANENT

698 030 70 TAPE FEE BANK OFFICER INITIATED FEES

698 030 71 DISK FEE BANK OFFICER INITIATED FEES

698 030 75 ONLINE FEE BANK OFFICER INITIATED FEES

698 030 76 HOST FEE BANK OFFICER INITIATED FEES

Page 226 of 265

 BAI Code Transaction AUXDOM Transaction Type Decription
Code
698 030 77 BUREAU FEE BANK OFFICER INITIATED FEES

698 030 83 SUPER FEE ACCOUNT SERVICING FEE (PRO RATA)

698 030 86 CARD FEE BANK OFFICER INITIATED FEES

698 030 88 DOC PREP SECURITY DOCUMENT PREPARATION FEE

698 030 90 F/DEP FEE FAST DEPOSIT BAG FEE

698 030 90 F/DEP FEE FAST DEPOSIT BAG FEE FROM ALT ACCT

698 030 92 DEP BK FEE DEPOSIT BOOK FEE

698 030 92 DEP BK FEE DEPOSIT BOOK FEE FROM ALT ACCT

698 030 93 OTC CH FEE OTC CASH HANDLING FEE

698 030 93 OTC CH FEE OTC CASH HANDLING FEE FROM ALT ACCT

698 030 94 FDC FEE FAST DEP CASH HANDLING FEE FROM ALT
ACCT

698 030 94 FDC FEE FAST DEPOSIT CASH HANDLING FEE

698 030 95 P/BK FEE DUPLICATE/TRIPLICATE PAY IN BOOK

698 030 96 PKGE FEE ANZ BREAKFREE PACKAGE FEE

698 030 97 BUS CH FEE ANZ BUSINESS CHOICE FEE

698 030 101 Card Fee Card Servicing Fee Transferred

698 030 102 COMFEE DRN Commitment Drawn Fee

698 030 103 COMFEE UDR Commitment Undrawn Fee

698 030 104 ARR LNFEE Arrangement Line Fee

698 030 110 TFR FEE TRANSFER OTHER BANK TRANSFER FEE

698 030 119 COMMIT FEE COMMITMENT FEE

698 030 9051 IDM FEE TF SDMC FEE - INTERNET MULTI PAYMENT

698 030 9052 INT FEE SDMC FEE - INTERNET PAY ANYONE

698 030 * FEE UNIDENTIFIED CHANNEL CODE - "wildcard"

698 037 70 TAPE FEE MISCELLANEOUS DEBIT

698 037 71 DISK FEE MISCELLANEOUS DEBIT

698 037 77 BUREAU FEE MISCELLANEOUS DEBIT

698 042 * CHQ BOOK STAMP DUTY ON CHEQUE BOOK

698 049 116 TCF FEES Tailored Commercial Facility FEES

698 049 4060 RTGS FEE RTGS PAYMENT CHARGE

698 049 4140 PMT FEE PAYMENT PROCESSING FEE

698 * * CARD FEE PCM - FEE (new card)

698 * * CHQ BK ABOS

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 BAI Code Transaction AUXDOM Transaction Type Decription
Code
698 * * FEE BRANCH - FEE DEBIT

698 * * PP NON FEE AP FAILED FEE

699 000 8 DEBIT DEBIT REPOST

699 000 9990 POS HOME BANKING

699 000 9991 POS HOME BANKING

699 000 9992 POS HOME BANKING

699 000 9993 POS HOME BANKING

699 000 9994 POS HOME BANKING

699 000 9995 POS HOME BANKING

699 000 9996 POS HOME BANKING

699 000 9997 POS HOME BANKING

699 000 9998 POS HOME BANKING

699 001 * MISC DR UNIDENTIFIED CHANNEL CODE - "wildcard"

699 002 * MISC DR UNIDENTIFIED CHANNEL CODE - "wildcard"

699 003 * MISC DR UNIDENTIFIED CHANNEL CODE - "wildcard"

699 004 * MISC DR UNIDENTIFIED CHANNEL CODE - "wildcard"

699 005 * MISC DR UNIDENTIFIED CHANNEL CODE - "wildcard"

699 006 * MISC DR UNIDENTIFIED CHANNEL CODE - "wildcard"

699 007 * MISC DR UNIDENTIFIED CHANNEL CODE - "wildcard"

699 008 36 BUS CARD CUSTOMER WITHDRAWAL (PERIODICAL

PAYMENT)

699 008 37 BANK CARD CUSTOMER WITHDRAWAL (PERIODICAL

PAYMENT)

699 008 38 VISA CARD CUSTOMER WITHDRAWAL (PERIODICAL

PAYMENT)

699 008 39 MASTRCARD CUSTOMER WITHDRAWAL (PERIODICAL

PAYMENT)

699 008 41 DRAWDWN DR TRANSFER TO LOAN ACCOUNT

699 008 43 TRANSFER TRANSFER TO HARVEST ACCOUNT

699 008 45 WITHDRAWAL WITHDRAWAL

699 008 47 SETTLE DR SETTLEMENT

699 008 48 TRANSFER TRANSFER TO CASH MANAGEMENT

ACCOUNT

699 008 75 CARD ENTRY CARD ENTRY AT BRANCH

699 008 93 LEASE DUTY LEASE DUTY

699 008 94 LEASE LEASE RENTAL

Page 228 of 265

 BAI Code Transaction AUXDOM Transaction Type Decription
Code
699 008 1123 INT REALL LIQUIDITY MANAGEMENT INTEREST

699 008 9067 GOMONY PAY ANZ MOBILE BANKING PAYMENT

699 008 9068 GOMONY TUP ANZ MOBILE BANKING TOP UP SERVICE
PROVIDER

699 008 9069 GOMONY RFD ANZ MOBILE BANKING TOP UP SERVICE
PROVIDER REFUND

699 008 9071 GOMONY PAY ANZ MOBILE BANKING PAYMENT

699 008 9078 PAYBILL Cash Management Online Pay Bill (SDSC)
DR

699 008 9083 GOMONY RFD ANZ MOBILE BANKING COMMISSION

REFUND

699 008 * ATMFundsTr ANZ ATM Funds Transfer(DR)

699 008 * ATMWithdwl ANZ ATM Withdrawal

699 008 * Intl ATM Plus International ATM Withdrawals

699 008 * MISC DR UNIDENTIFIED CHANNEL CODE - "wildcard"

699 008 * Non ANZATM Non-ANZ ATM Withdrawal

699 008 * Non ANZATM Non-ANZ Branch Withdrawal

699 008 * VISA Debit VISA Debit Purchase

699 008 * Withdrawal Intern Branch Withdrawal

699 009 * MISC DR UNIDENTIFIED CHANNEL CODE - "wildcard"

699 010 * MISC DR UNIDENTIFIED CHANNEL CODE - "wildcard"

699 011 * MISC DR UNIDENTIFIED CHANNEL CODE - "wildcard"

699 012 * MISC DR UNIDENTIFIED CHANNEL CODE - "wildcard"

699 013 * MISC DR UNIDENTIFIED CHANNEL CODE - "wildcard"

699 014 * MISC DR UNIDENTIFIED CHANNEL CODE - "wildcard"

699 015 * MISC DR UNIDENTIFIED CHANNEL CODE - "wildcard"

699 016 * MISC DR UNIDENTIFIED CHANNEL CODE - "wildcard"

699 017 * MISC DR UNIDENTIFIED CHANNEL CODE - "wildcard"

699 018 * MISC DR UNIDENTIFIED CHANNEL CODE - "wildcard"

699 019 * MISC DR UNIDENTIFIED CHANNEL CODE - "wildcard"

699 020 53 W/HOLD TAX WITHHOLDING TAX COLLECTION

699 020 * MISC DR UNIDENTIFIED CHANNEL CODE - "wildcard"

699 021 * MISC DR UNIDENTIFIED CHANNEL CODE - "wildcard"

699 024 * MISC DR UNIDENTIFIED CHANNEL CODE - "wildcard"

699 025 * MISC DR UNIDENTIFIED CHANNEL CODE - "wildcard"

699 026 * MISC DR UNIDENTIFIED CHANNEL CODE - "wildcard"

Page 229 of 265

 BAI Code Transaction AUXDOM Transaction Type Decription
Code
699 027 * MISC DR UNIDENTIFIED CHANNEL CODE - "wildcard"

699 028 * MISC DR UNIDENTIFIED CHANNEL CODE - "wildcard"

699 029 20 LOAN REPAY LOAN REPAYMENT

699 029 1900 REV INS DR REVERSAL OF TRANSFER OF

INSURANCE/FEES

699 029 1950 REFUND REVERSAL OF LOAN OVERPAYMENT

699 029 1960 PRE PAY LOAN PREPAYMENT

699 029 2030 IC DR IMPORT COLLECTION

699 029 2040 ID DR IMPORT COLLECTION

699 029 2040 TRADE IMPORT COLLECTION

699 029 2060 ED DR EXPORT COLLECTION

699 029 2060 TRADE EXPORT COLLECTION

699 029 2070 EC CR EXPORT COLLECTION

699 029 2070 TRADE EXPORT COLLECTION

699 029 2080 E DR EXPORT CREDIT

699 029 2080 TRADE EXPORT CREDIT

699 029 2200 CBILL ROLL NET SETTL. OF COMM. BILL FACILITY
ROLLOV

699 029 2400 CBILL INV COMMERCIAL BILL INVESTMENT

699 029 2500 CBILL INV NET SETTLMNT - ROLLOVER COMM BILL
INVEST

699 029 2700 MAT CBILL MATURITY OF COMMERCIAL BILL LOAN

699 029 3010 ADJ CDP DR ADJUSTMENT TO CUSTOMER DEPOSIT

699 029 3030 ADJ TAX DR ADJUSTMENT TO EMPLOYER DEPOSIT

699 029 3060 DEBIT ANZSAS WITHDRAWAL

699 029 3080 DEBIT PARTIAL WITHDRAWAL

699 029 3100 ADJ STX DR SUPERANNUATION TAX ADJUSTMENT

699 029 4050 CHESS SETL CHESS SETTLEMENT

699 029 9040 LN FEE TFR RE-DIRECTED FEE FROM LOAN ACCOUNT

699 029 9042 TCF IRRM TCF IRRM PREMIUM

699 029 9050 INT TFR RE-DIRECT DR INT CHGD DEC FROM LOAN
ACC

699 029 9060 DRAWDWN TRADE FINANCE LOAN - AUD

699 029 * MISC DR UNIDENTIFIED CHANNEL CODE - "wildcard"

699 029 EBDFLT EB DEBIT PEFT PAYMENT

699 030 * MISC DR UNIDENTIFIED CHANNEL CODE - "wildcard"

Page 230 of 265

 BAI Code Transaction AUXDOM Transaction Type Decription
Code
699 031 * MISC DR UNIDENTIFIED CHANNEL CODE - "wildcard"

699 032 * MISC DR UNIDENTIFIED CHANNEL CODE - "wildcard"

699 033 * MISC DR UNIDENTIFIED CHANNEL CODE - "wildcard"

699 034 76 REVERSAL REVERSAL OF CARD ENTRY

699 034 1118 INT ADJ LIQUIDITY MANAGEMENT INTEREST

699 034 1133 INT ADJ LIQUIDITY MANAGEMENT INTEREST

699 034 1161 INT ADJ LIQUIDITY MANAGEMENT INTEREST

699 034 1546 INT ADJ LIQUIDITY MANAGEMENT INTEREST

699 034 4100 REV OS DR REV OFF SHORE TELEGRAPHIC TFR

RECEIVED

699 034 4110 REV RTGS REV DOMESTIC TELEGRAPHIC TFR

RECEIVED

699 034 4120 REV OS DR REV OFF SHORE TELEGRAPHIC TFR

REMITTED

699 034 4130 REV RTGS REV DOMESTIC TELEGRAPHIC TFR

REMITTED

699 034 4150 TRANSFER REVERSAL OF TRANSFER REFERENCE

699 034 * MISC DR UNIDENTIFIED CHANNEL CODE - "wildcard"

699 034 * REVERSAL REVERSAL OF CREDIT

699 035 * MISC DR UNIDENTIFIED CHANNEL CODE - "wildcard"

699 036 * MISC DR UNIDENTIFIED CHANNEL CODE - "wildcard"

699 037 75 ONLINE DR MISCELLANEOUS DEBIT

699 037 * DEBIT MISCELLANEOUS DEBIT

699 037 * MISC DEBIT MISCELLANEOUS DEBIT

699 037 * MISC DR UNIDENTIFIED CHANNEL CODE - "wildcard"

699 038 * MISC DR UNIDENTIFIED CHANNEL CODE - "wildcard"

699 039 * MISC DR UNIDENTIFIED CHANNEL CODE - "wildcard"

699 040 * MISC DR UNIDENTIFIED CHANNEL CODE - "wildcard"

699 041 * MISC DR UNIDENTIFIED CHANNEL CODE - "wildcard"

699 042 * MISC DR UNIDENTIFIED CHANNEL CODE - "wildcard"

699 043 * MISC DR UNIDENTIFIED CHANNEL CODE - "wildcard"

699 044 * MISC DR UNIDENTIFIED CHANNEL CODE - "wildcard"

699 045 * MISC DR UNIDENTIFIED CHANNEL CODE - "wildcard"

699 046 1123 INTEREST LIQUIDITY MANAGEMENT INTEREST

699 046 1125 INTEREST LIQUIDITY MANAGEMENT INTEREST

699 046 1165 INTEREST LIQUIDITY MANAGEMENT INTEREST

Page 231 of 265

 BAI Code Transaction AUXDOM Transaction Type Decription
Code
699 046 1554 INTEREST LIQUIDITY MANAGEMENT INTEREST

699 046 * INT INTEREST ON OVERDRAFT/LOAN

699 046 * INTEREST INTEREST

699 046 * INTEREST LIQUIDITY MANAGEMENT INTEREST

699 046 * MISC DR UNIDENTIFIED CHANNEL CODE - "wildcard"

699 047 * MISC DR UNIDENTIFIED CHANNEL CODE - "wildcard"

699 048 * MISC DR UNIDENTIFIED CHANNEL CODE - "wildcard"

699 049 118 TCF INT Tailored Commercial Facility INTEREST

699 049 4130 RTGS SENT DOMESTIC TT REMITTED

699 049 * ADVICE CUSTOMER ADVISED DEBIT

699 049 * ADVISED DR CUSTOMER ADVISED DEBIT

699 049 * MISC DR UNIDENTIFIED CHANNEL CODE - "wildcard"

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 Credit

(SDMC) - DR

699 * * PAYMENT Cash Management Online Direct Debit

(SCMD) DR

699 * * PAYMENT PAYPLUS DEBIT

699 * * PAYMENT VISION PLUS DEBIT

Page 232 of 265

 BAI Code Transaction AUXDOM Transaction Type Decription
Code
699 * * POS ANZ ONLINE DEBIT

699 * * POS DR POINT OF SALE (POS) WITHDRAWAL

699 * * POS DR POINT OF SALE MERCHANT DEBIT

699 * * WITHDRAWAL BRANCH - CASH WITHDRAWAL

21.2.2. 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.

Transaction
BAI Code AUXDOM Transaction Type Decription
Code
115 LBX N/A Lock box Lock box

169 QCD N/A DEPOSIT CLEARING CHQ DEPST

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

201 TRF N/A FUND TT CR CR TRF GCP LQM

208 TT N/A INT PYMT INTL PAYMENT

208 TT N/A INT PYMT INTERNATIONAL PMNT

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

237 GOL N/A DEPOSIT OUTWARD COLLECTION

238 DIV N/A DIVIDEND DIVIDEND

266 RTI N/A RETURNED RETURNED

275 CMS N/A TAS SWEEP CR TAS SWEEP

354 INT N/A INTEREST INTEREST

357 VDA N/A VAL DATE VAL DATE

366 RTI N/A RETURN CR RETURNED

398 EFF N/A FEE REFND FEE REFUND

399 100 N/A SC CR TFR Credit Transfer

Page 233 of 265

 Transaction
BAI Code AUXDOM Transaction Type Decription
Code
399 100 N/A SC CR TFR Single Customer Credit Transfer

399 103 N/A SC CR TFR Credit Transfer

399 103 N/A SC CR TFR Single Customer Credit Transfer

399 200 N/A FI TFR OA FI Transfer

Financial Institution Transfer for its Own

399 200 N/A FI TFR OA
Account

399 201 N/A MFI TFR OA Multiple FI Tfrs

Multiple Financial Institution Transfer for

399 201 N/A MFI TFR OA
Own Account

399 202 N/A GFI TFR General FI Tfrs

399 202 N/A GFI TFR General Financial Institution Transfer

399 203 N/A MGFI TFR Multiple FI Tfrs

Multiple General Financial Institution

399 203 N/A MGFI TFR
Transfer

399 204 N/A FMDD MSG FI Direct Debit

399 204 N/A FMDD MSG Financial Markets Direct Debit Message

399 205 N/A FI TFR EXE FI Transfer

399 205 N/A FI TFR EXE Financial Institution Transfer Execution

399 300 N/A FE CONF FX Confirmation

399 300 N/A FE CONF Foreign Exchange Confirmation

399 350 N/A AOL/ DIP Advice of Loan

399 350 N/A AOL/ DIP Advice of Loan/Deposit Interest Payment

399 400 N/A AOP Advice Of Payment

399 * N/A CREDIT CREDIT

399 ADP N/A DEPOSIT CASH DEPOSIT

399 BKT N/A Bank Trans Bank Trans

399 BNK N/A SRI-BF SRI-Bank Fees

399 BNK N/A SRI-BF Securities Related Item - 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

Securities Related Item - Corporate Actions

399 CAR N/A SRI-CAR
Related

399 CAS N/A SRI-CIL SRI-Cash in Lieu

399 CAS N/A SRI-CIL Securities Related Item - Cash in Lieu

399 CBP N/A CASH POST CASH POST

Page 234 of 265

 Transaction
BAI Code AUXDOM Transaction Type Decription
Code
399 CHG N/A CHARGES CHARGES

399 CHK N/A CHQ/DRAFT CR CHQ DRAFT GCP

399 CIN N/A TAS INT CR TAS INT LQM

399 CLR N/A CLEARING CR CLEARING GCP

399 CMI N/A CMI-ND CMI-No detail

399 CMI N/A CMI-ND Cash management item - No detail

399 CMN N/A CMI-NP CMI-Notional pool

399 CMN N/A CMI-NP Cash management item - Notional pooling

399 CMP N/A CC Compensation claim

399 CMS N/A CMI-S CMI-Sweeping

399 CMS N/A CMI-S Cash management item - Sweeping

399 CMT N/A CMI-T CMI-Topping

399 CMT N/A CMI-T Cash management item -Topping

399 CMZ N/A CMI-ZB CMI-Zero bal

399 CMZ N/A CMI-ZB Cash management item - Zero balancing

399 COM N/A COMMISSION COMMISSION

399 COW N/A OB COMM Outward Bill Comm

399 CPN N/A SRI-CP SRI-Coupon payment

399 CPN N/A SRI-CP Securities Related Item - Coupon payments

399 CSD N/A TRAV CHEQ TRAVELLER CHQ SOLD

399 CSO N/A TRANSFER ACCT TRF ST ORDER

399 CTR N/A TRANSFER ACCT TRF GENERAL

399 DDA N/A LODGE FEE Lodgement Fee

399 DDT N/A CR DE CR DD GCP

399 DDT N/A DDI Direct Debit Item

399 DEF N/A CREDIT CREDIT

399 DIR N/A DIR DEB DIR DEB

399 DIS N/A SRI-GD SRI-Gains

Securities Related Item - Gains

399 DIS N/A SRI-GD
disbursement

399 ECK N/A EUROCHEQUE EUROCHEQUE

399 EQA N/A EQUIVSUM EQUIVSUM

399 EXT N/A SRI-ETOA SRI-Ext transfer

Securities Related Item External transfer

399 EXT N/A SRI-ETOA
for own account

Page 235 of 265

 Transaction
BAI Code AUXDOM Transaction Type Decription
Code
Securities Related Item External transfer for
399 EXT N/A SRI-ETOA
own account

399 FCA N/A DOC CRDR W Doc Credit Drawing

399 FDL N/A FX DEAL FX DEAL

399 IRM N/A INWD REMIT FISC Inward Remit

399 MAR N/A SRI-MP/R SRI-Margin pymts

Securities Related Item - Margin

399 MAR N/A SRI-MP/R
payments/Receipts

399 MAT N/A SRI-M SRI-Maturity

399 MAT N/A SRI-M Securities Related Item - Maturity

399 MGT N/A SRI-MF SRI-Mgt Fees

399 MGT N/A SRI-MF Securities Related Item - Management fees

399 MSC N/A MISC CR MISCELLANEOUS

399 MSC N/A MISC CR CR MISC GCP

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

Securities Related Item - New issues

399 NWI N/A SRI-NID
distribution

399 ODC N/A OC Overdraft charge

399 OPT N/A SRI-O SRI-Options

399 OPT N/A SRI-O Securities Related Item - Options

399 ORR N/A RJCT REMIT Outwd Remit Reject

399 PCH N/A SRI-P SRI-Purchase

399 PCH N/A SRI-P Securities Related Item - Purchase

399 POP N/A SRI-POP SRI-Pair-off

399 POP N/A SRI-POP Securities Related Item - Pair-off proceeds

399 PRN N/A SRI-PPDU SRI-Principal

Securities Related Item - Principal pay-

399 PRN N/A SRI-PPDU
down/pay-up

399 PYN N/A PAY IN PAY IN

399 QDP N/A DEPOSIT CHEQUE DEPOSITED

399 QOL N/A DEPOSIT OUTWD COLLECT CHQ

399 REC N/A SRI-TR SRI-Tax reclaim

399 REC N/A SRI-TR Securities Related Item - Tax reclaim

Page 236 of 265

 Transaction
BAI Code AUXDOM Transaction Type Decription
Code
399 RED N/A SRI-RW SRI-Redemption

Securities Related Item -

399 RED N/A SRI-RW
Redemption/Withdrawal

399 REV N/A REVERSAL REVERSAL

399 RIG N/A SRI-R SRI-Rights

399 RIG N/A SRI-R Securities Related Item - Rights

399 RTI N/A DE RETURN CR RETURN GCP

399 SAL N/A SRI-SALE SRI-Sale

399 SAL N/A SRI-SALE Securities Related Item - Sale

399 SDL N/A STG DEAL STG DEAL

399 SEC N/A SECURITIES Securities

Securities (used when entering a principal

399 SEC N/A SECURITIES
amount)

399 SLE N/A SRI-SLR SRI-Sec lending

Securities Related Item - Securities lending

399 SLE N/A SRI-SLR
related

399 STP N/A SRI-SD SRI-Stamp duty

399 STP N/A SRI-SD Securities Related Item - Stamp duty

399 SUB N/A SRI-SUBS SRI-Subscription

399 SUB N/A SRI-SUBS Securities Related Item - Subscription

399 SWP N/A SRI-SWAP SRI-SWAP payment

399 SWP N/A SRI-SWAP Securities Related Item - SWAP payment

399 TAX N/A SRI-WTP SRI-Witholding tax

Securities Related Item - Withholding tax

399 TAX N/A SRI-WTP
payment

399 TCK N/A TVL CHEQUE TVL CHEQUE

399 TCM N/A SRI-TCM SRI-Tripartite mgt

Securities Related Item - Tripartite collateral

399 TCM N/A SRI-TCM
management

399 TRA N/A SRI-ITFOA SRI-Internal Tfrs

Securities Related Item Internal transfer for

399 TRA N/A SRI-ITFOA
own account

399 TRF N/A TRSFER CR TRANSFER

399 TRN N/A SRI-TF SRI-Trans Fee

399 TRN N/A SRI-TF Securities Related Item - Transaction fee

399 UWC N/A SRI-UC SRI-Underwriting

Page 237 of 265

 Transaction
BAI Code AUXDOM Transaction Type Decription
Code
Securities Related Item - Underwriting
399 UWC N/A SRI-UC
commission

399 WAG N/A WAGES WAGES

399 WAR N/A SRI-W SRI-Warrant

399 WAR N/A SRI-W Securities Related Item - Warrant

415 LBX N/A Lock box Lock box

475 CHK N/A CHEQUE CHEQUE

475 GIL N/A WITHDRAWAL INWD COLLECTION

475 QIL N/A CHEQUE INWD COLLT CHQ DEP

481 LDP N/A LOAN Loan Deposit

487 CLR N/A CASH CASH

487 COL N/A COLLECTION COLLECTION

495 TRF N/A TX/AIR Telex / Airmail

508 TT N/A INT PYMT INTL PAYMENT

508 TT N/A INT PYMT INTERNATIONAL PMNT

513 DCR N/A DOC CREDIT DOC CREDIT

514 FEX N/A FX TRANS Foreign Exchange

524 AWC N/A COMM WDRWL CASH WDL COMM

524 COM N/A COMMISSION COMMISSION

524 DUC N/A COMM DRAFT COMM DRAFT ISSUED

524 NDC N/A COM CCYDEP COMM CCY DEPOSIT

524 NPC N/A COM CCYPUR COMM CCY PURCH

524 NSC N/A COM CCYSLD COMM CCY SOLD

524 NWC N/A COM CCYWDL COMM CCY WDL

524 OMM N/A COMMISSION COMMISSION

524 QDC N/A COMM DEPST COMM CHQ DEPST

524 QLC N/A COMM CHQ COMM CHQ COLLEC

524 QPC N/A COMM CHQ COMM CHQ PURCH

524 TUC N/A COMM TT COMM TT ISSUED

527 CSO N/A A/C TRANS ACCT TFR ST ORDER

527 STO N/A S/ORDER S/ORDER

549 DIV N/A DIVIDEND DIVIDEND

566 RTI N/A RETURNED RETURNED

575 CMS N/A TAS SWEEP DR TAS SWEEP

Page 238 of 265

 Transaction
BAI Code AUXDOM Transaction Type Decription
Code
631 VDA N/A VAL DATE VAL DATE

654 DIN N/A TAS INT DR TAS INT LQM

654 INT N/A INTEREST INTEREST

698 BCG N/A CHARGES CABLE CHARGES

698 BRF N/A BROKER FEE BROKER FEE

698 CHG N/A CHARGES CHARGES

698 COW N/A OB COMM Outward Bill Comm

698 CPC N/A COMM TCHQ COMM TCHQ PURCH

698 CSC N/A COMM TCHQ COMM TCHQ SOLD

698 CTF N/A AC TFR FEE ACCT TRANSFER FEE

698 DDA N/A LODGE FEE Lodgement Fee

698 ETF N/A NETWRK FEE NETWORK FEE

698 ETN N/A NETWRK TRN NETWORK TRN

698 ORF N/A LORO FEE LORO FEE

698 TCG N/A CHGS OTHER OTHER CHARGES

699 100 N/A SC CR TFR Credit Transfer

699 100 N/A SC CR TFR Single Customer Credit Transfer

699 103 N/A SC CR TFR Debit Transfer

699 103 N/A SC CR TFR Credit Transfer

699 103 N/A SC CR TFR Single Customer Credit Transfer

699 200 N/A FI TFR OA FI Transfer

Financial Institution Transfer for its Own

699 200 N/A FI TFR OA
Account

699 201 N/A MFI TFR OA Multiple FI Tfrs

Multiple Financial Institution Transfer for

699 201 N/A MFI TFR OA
Own Account

699 202 N/A GFI TFR General FI Tfrs

699 202 N/A GFI TFR General Financial Institution Transfer

699 203 N/A MGFI TFR Multiple FI Tfrs

Multiple General Financial Institution

699 203 N/A MGFI TFR
Transfer

699 204 N/A FMDD MSG FI Direct Debit

699 204 N/A FMDD MSG Financial Markets Direct Debit Message

699 205 N/A FI TFR EXE FI Transfer

699 205 N/A FI TFR EXE Financial Institution Transfer Execution

Page 239 of 265

 Transaction
BAI Code AUXDOM Transaction Type Decription
Code
699 300 N/A FE CONF FX Confirmation

699 300 N/A FE CONF Foreign Exchange Confirmation

699 350 N/A AOL/ DIP Advice Of Loan

699 350 N/A AOL/ DIP Advice of Loan/Deposit Interest Payment

699 400 N/A AOP Advice Of Payment

699 * N/A DEBIT DEBIT

699 AWD N/A CASH WDRWL CASH WITHDRAWAL

699 BKT N/A BANK TRANS BANK TRANS

699 BNK N/A SRI-BF SRI-Bank Fees

699 BNK N/A SRI-BF Securities Related Item - Bank fees

699 BOE N/A BILL OF EX BILL OF EX

699 CAR N/A SRI-CAR SRI-Corp Actions

Securities Related Item - Corporate Actions

699 CAR N/A SRI-CAR
Related

699 CAS N/A SRI-CIL SRI-Cash in Lieu

699 CAS N/A SRI-CIL Securities Related Item - Cash in Lieu

699 CBP N/A CASH POST CASH POST

699 CHG N/A CHARGES DR CHGS GCP LQM

699 CHK N/A CHQ/DRAFT DR CHQ DRAFT GCP

699 CLR N/A CLEARING DR CLEARING GCP

699 CMI N/A CMI-ND SRI-No detail

699 CMI N/A CMI-ND Cash management item - No detail

699 CMN N/A CMI-NP SRI-Notional pool

699 CMN N/A CMI-NP Cash management item - Notional pooling

699 CMP N/A CC Compensation claim

699 CMS N/A CMI-S CMI-Sweeping

699 CMS N/A CMI-S Cash management item - Sweeping

699 CMT N/A CMI-T CMI-Topping

699 CMT N/A CMI-T Cash management item -Topping

699 CMZ N/A CMI-ZB CMI-Zero bal

699 CMZ N/A CMI-ZB Cash management item - Zero balancing

699 COW N/A OB COMM Outward Bill Comm

699 CPN N/A SRI-CP SRI-Coupon payment

699 CPN N/A SRI-CP Securities Related Item - Coupon payments

Page 240 of 265

 Transaction
BAI Code AUXDOM Transaction Type Decription
Code
699 CPU N/A TRAV CHEQ TRAV CHQ PURCHASED

699 CTR N/A A/C TRANS ACCT TFR GENERAL

699 DDT N/A DR DE DR DD GCP

699 DDT N/A DDI Direct Debit Item

699 DEF N/A DEBIT DEBIT

699 DIR N/A DIR DEB DIR DEB

699 DIS N/A SRI-GD SRI-Gains

Securities Related Item - Gains

699 DIS N/A SRI-GD
disbursement

699 ECK N/A EUROCHEQUE EUROCHEQUE

699 EQA N/A EQUIVSUM EQUIVSUM

699 EXT N/A SRI-ETOA SRI-Ext transfer

Securities Related Item External transfer

699 EXT N/A SRI-ETOA
for own account

Securities Related Item External transfer for

699 EXT N/A SRI-ETOA
own account

699 FCA N/A DOC CRDR W Doc Credit Drawing

699 FDL N/A FX DEAL FX DEAL

699 IRR N/A RJCT REMIT Inwd Remit Reject

699 MAR N/A SRI-MP/R SRI-Margin pymts

Securities Related Item - Margin

699 MAR N/A SRI-MP/R
payments/Receipts

699 MAT N/A SRI-M SRI-Maturity

699 MAT N/A SRI-M Securities Related Item - Maturity

699 MGT N/A SRI-MF SRI-Mgt Fees

699 MGT N/A SRI-MF Securities Related Item - Management fees

699 MSC N/A MISC DR MISCELLANEOUS

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 NPU N/A CURR PURCH CCY NOTES PURCHASED

699 NSD N/A CURR SOLD CCY SOLD

699 NWI N/A SRI-NID SRI-New Issues

Securities Related Item - New issues

699 NWI N/A SRI-NID
distribution

699 ODC N/A OC Overdraft charge

Page 241 of 265

 Transaction
BAI Code AUXDOM Transaction Type Decription
Code
699 OIN N/A PAY ORDER INCOMING PAYORDER

699 OPT N/A SRI-O SRI-Options

699 OPT N/A SRI-O Securities Related Item - Options

699 ORM N/A OUT REMIT FISC Outwd Remit

699 PCH N/A SRI-P SRI-Purchase

699 PCH N/A SRI-P Securities Related Item - Purchase

699 PNS N/A PENSION PENSION

699 POP N/A SRI-POP SRI-Pair-off

699 POP N/A SRI-POP Securities Related Item - Pair-off proceeds

699 PRN N/A SRI-PPDU SRI-Principal

Securities Related Item - Principal pay-

699 PRN N/A SRI-PPDU
down/pay-up

699 PYN N/A PAY IN PAY IN

699 REC N/A SRI-TR SRI-Tax reclaim

699 REC N/A SRI-TR Securities Related Item - Tax reclaim

699 RED N/A SRI-RW SRI-Redemption

Securities Related Item -

699 RED N/A SRI-RW
Redemption/Withdrawal

699 REV N/A REVERSAL REVERSAL

699 RIG N/A SRI-R SRI-Rights

699 RIG N/A SRI-R Securities Related Item - Rights

699 RTI N/A RETURN DR RETURNED

699 SAL N/A SRI-SALE SRI-Sale

699 SAL N/A SRI-SALE Securities Related Item - Sale

699 SDL N/A STG DEAL STG DEAL

699 SEC N/A SECURITIES Securities

Securities (used when entering a principal

699 SEC N/A SECURITIES
amount)

699 SLE N/A SRI-SLR SRI-Sec lending

Securities Related Item - Securities lending

699 SLE N/A SRI-SLR
related

699 STP N/A SRI-SD SRI-Stamp duty

699 STP N/A SRI-SD Securities Related Item - Stamp duty

699 SUB N/A SRI-SUBS SRI-Subscription

699 SUB N/A SRI-SUBS Securities Related Item - Subscription

699 SWP N/A SRI-SWAP SRI-SWAP payment

Page 242 of 265

 Transaction
BAI Code AUXDOM Transaction Type Decription
Code
699 SWP N/A SRI-SWAP Securities Related Item - SWAP payment

699 TAX N/A SRI-WTP SRI-Witholding tax

Securities Related Item - Withholding tax

699 TAX N/A SRI-WTP
payment

699 TCK N/A TVL CHEQUE TVL CHEQUE

699 TCM N/A SRI-TCM SRI-Tripartite mgt

Securities Related Item - Tripartite collateral

699 TCM N/A SRI-TCM
management

699 TRA N/A SRI-ITFOA SRI-Internal Tfrs

Securities Related Item Internal transfer for

699 TRA N/A SRI-ITFOA
own account

699 TRF N/A TRSFER DR TRANSFER

699 TRN N/A SRI-TF SRI-Trans Fee

699 TRN N/A SRI-TF Securities Related Item - Transaction fee

699 UWC N/A SRI-UC SRI-Underwriting

Securities Related Item - Underwriting

699 UWC N/A SRI-UC
commission

699 WAG N/A WAGES WAGES

699 WAR N/A SRI-W SRI-Warrant

699 WAR N/A SRI-W Securities Related Item – Warrant

Page 243 of 265

21.2.3. Transaction code descriptions – SYS Source

The following table describes the Transaction Codes and descriptions for New Zealand ANZ
Bank accounts.

Transaction
BAI Code AUXDOM Transaction Type Decription
Code
142 52 * SALARY Salary Payments

146 50 43 EFT-POS CR EFT-POS CREDIT

172 75 * ERR DEP Deposit

175 50 * DEPOSIT BRANCH CASH/CHEQUE DEPOSIT

175 50 * DEPOSIT BRANCH CHEQUE ONLY DEPOSIT

175 57 * AGT DEP Cash Deposit

175 64 * DEPOSIT BRANCH CASH/CHEQUE DEPOSIT

175 64 * DEPOSIT Agent Deposit

175 68 * DEPOSIT BRANCH CASH/CHEQUE DEPOSIT

175 68 * DEPOSIT BRANCH CHEQUE ONLY DEPOSIT

175 97 * DEPOSIT BRANCH CHEQUE ONLY DEPOSIT

195 50 59 BILL PYMNT BILL PAYMENT

195 50 * BILL PYMNT BILL PAYMENT CREDIT

195 50 * PAYANYONE INTERNET BANKING PAY ANYONE CREDIT

195 51 41 CR TRF ATM CR TRF ATM

195 51 * CR TRF Credit Transfers

195 83 * BILL PYMNT BILL PAYMENT

195 83 0B BILL PYMNT BILL PAYMENT

195 83 59 BILL PYMNT BILL PAYMENT

195 155 * OMFACC TRF OMF TRANSFER TO NOMINATED ACCOUNT

195 170 * ATM TRF ATM TRANSFER

Cash Management Online Funds Transfer

206 50 * TFR CREDIT
(SDSC) - CR

Cash Management Online Funds Transfer

206 51 * TFR CREDIT
(SDSC) - CR

214 77 * FOREXITEM FOREIGN ITEM WITH NINE DIGIT SERIAL

238 61 * DIVIDEND DIVIDEND

238 61 * DIVIDENDS Dividends

252 80 * REVERSAL Reversal Debit

252 85 * REVERSAL Deposit

275 105 * TRGETBALCR TARGET BALANCE CREDIT

Page 244 of 265

 Transaction
BAI Code AUXDOM Transaction Type Decription
Code
295 132 * ATM DEP ATM DEPOSIT

354 67 * INTEREST INTEREST

354 67 * CR INTRST Credit Interest

359 120 * DR INT REV DEBIT INTEREST REVERSAL

Cash Management Online Direct Credit

373 52 * PAY/SALARY
(SDMC) - CR

398 51 * CR TRF CREDIT TRANSFER

398 71 * CREDIT CREDIT

398 71 006500 PHOTO REV MYPHOTO FEE REVERSAL

398 71 002100 SP ANS DEP SPECIAL ANSWER DEPOSIT

398 80 000150 AP FEE REV AUTOMATIC PAYMENT FEE REVERSAL

398 80 000200 AM FEE REV ACCOUNT MAINT FEE REVERSAL

398 80 41 ATM REV ATM REVERSAL

398 80 000350 BILLFEEREV BILL PAY FEE REVERSAL

398 80 001000 CHQDUTRFND CHEQUE DUTY REFUND

398 80 000400 DSRFEE REV DISHONOUR FEE REVERSAL

398 80 43 EFT-POS RV EFT-POS REVERSAL

398 80 001050 FEE REVERS FEE REVERSAL

398 80 000100 NON-NZDREV NON-NZD SALE FEE REVERSAL

398 80 001100 ICASH REF ICASH CARD REFUND

398 80 000450 OMF REV OMF REVERSAL

398 80 006950 REVCARDREV REPLACEMENT CARD FEE REVERSAL

398 80 * REV DEBIT REVERSAL OF DEBIT

398 80 000250 TXNFEE REV MANUAL TRANS FEE REVERSAL

398 80 000300 TXNFEE REV AUTOMATIC TRANS FEE REVERSAL

398 80 007000 URGFEEREV URGENT CARD FEE REVERSAL

398 80 006900 VDBTFEEREV VISA DEBIT CARD FEE REVERSAL

398 81 * UNPD REV UNPAID ITEM REV

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

Page 245 of 265

 Transaction
BAI Code AUXDOM Transaction Type Decription
Code
398 141 * AP FEE REV AUTOMATIC PAYMENT FEE REVERSAL

398 144 * LOANFEEREV LOAN FEE REVERSAL

399 50 55 FOREX FOREIGN EXCHANGE

Cash Management Online Direct Debit

399 50 * FUNDS CR
(SCMD) - CR

399 50 * POS CR POS MERCHANT CREDIT

399 50 * DEPOSIT BRANCH CASH DEPOSIT

399 50 * TRANSFER ANZ MTS CREDIT

399 50 * FUNDS CR ANZ MTS FUNDS CREDIT

399 50 * AUTO PYMNT AUTOMATED PAYMENT CREDIT

399 50 41 ATMDeposit ATM DEPOSIT

399 50 * CREDIT CREDIT

399 50 06 DEPOSIT DEPOSIT

399 50 08 DEPOSIT DEPOSIT

399 50 15 DEPOSIT DEPOSIT

399 50 0A DIR CRE DIRECT CREDIT

399 50 0B DIR CRE DIRECT CREDIT

399 50 0D DIR CRE DIRECT CREDIT

399 50 07 DIR CRE DIRECT CREDIT

399 50 09 DIR CRE DIRECT CREDIT

399 50 2A DIR CRE DIRECT CREDIT

399 50 27 DIR CRE DIRECT CREDIT

399 50 29 DIR CRE DIRECT CREDIT

399 50 76 KITS KITS

399 50 60 MoneyMkt MONEY MARKET

399 50 17 MTSDirEnt MTS DIRECT ENTRY

Cash Management Online Direct Credit

399 50 * PAYMENT
(SDMC) - CR

Cash Management Online Direct Debit

399 50 * FUNDS CR
(SCMD) - CR

399 50 * DEPOSIT Deposit

Cash Management Online Direct Debit

399 50 * FUNDS CR
(SCMD) - CR

Cash Management Online Direct Credit

399 50 * PAYMENT
(SDMC) - CR

399 50 * CREDIT CREDIT

Page 246 of 265

 Transaction
BAI Code AUXDOM Transaction Type Decription
Code
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 1 CHQ DEP BRANCH CHEQUE ONLY DEPOSIT

399 57 * CHQ DEP BRANCH CHEQUE ONLY DEPOSIT

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 06 GovtSalary GOVT SALARY

399 60 01 NZGovtPmnt NZ GOVT PAYMENT

399 60 21 NZGovtPmnt NZ GOVT PAYMENT

399 60 * GovtSalary GOVT SALARY

Government Pymnt posted under the next

399 60 * GVN PYMTS
business day date

PAYPLUS SAME DAY CLEAR/PAY PLUS -

399 62 76 SDC PYMT
CREDIT

PAYPLUS SAME DAY CLEAR/PAY PLUS -

399 62 * PYMT
CREDIT

399 62 * TT TELEGRAPHIC TRANSFER

399 63 * UNAPP FNDS UNAPPLIED FUNDS

399 64 * DEPOSIT DEPOSIT WITH SERIAL NUMBER

399 65 * PAYMENT Payment

399 65 * THIRDPTYDP 3RD PARTY DEP

399 66 * MIN OF DEF MINISTRY OF DEFENCE

399 68 * PUBLIC AC PUBLIC ACCOUNT

399 68 * DEPOSIT Cash Deposit

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

Page 247 of 265

 Transaction
BAI Code AUXDOM Transaction Type Decription
Code
399 76 * EFTPOS ADJ EFTPOS Adjustment Transaction

399 76 * CREDIT CREDIT

399 78 * CREDIT CREDIT

399 79 * CBKDUTYREV Cheque Book Cheque Duty Reversal

399 79 * CHQDTYRFND CHQ DUTY REFUND

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 * CREDIT Credit

399 93 * TRST MGMT TRUST MGMT

399 94 * CREDIT CREDIT

399 95 * LN DRWDOWN Loan Drawdown

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

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

Page 248 of 265

 Transaction
BAI Code AUXDOM Transaction Type Decription
Code
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

399 191 * BALLOT PMT BALLOT CASH 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

475 0 15 CHQ WITHDL CHEQUE WITHDRAWAL

475 00 * CHEQUE BRANCH CASH/CHEQUE DEBIT

475 00 * CHEQUE Cheque Withdrawal

475 3 * COUNTERCHQ COUNTER CHEQUE

475 03 * COUNTERCHQ Counter Cheques

Page 249 of 265

 Transaction
BAI Code AUXDOM Transaction Type Decription
Code
475 07 * CHEQUE Cheque Withdrawal

475 8 * CHEQUE MODULES 10 CHECK ON SERIAL

475 9 * CHEQUE MODULES 9 CHECK ON SERIAL

475 18 * TRAVRS CHQ TRAVELLERS CHQS

475 25 * CHQ WITHDL PROOF CHEQUE WITHDRAWAL

475 35 * CHQ WITHDL CHEQUE WITHDRAWAL

475 803 * COUNTERCHQ Counter Cheques

481 110 * LOAN PMT LOAN PAYMENT

495 33 * BILL PYMNT BILL PAYMENT

495 33 0B BILL PYMNT BILL PAYMENT

495 36 * DEBIT TRF DEBIT TRANSFER

495 114 * TR UNCLAIM TRANSFER TO UNCLAIMED MONIES

495 118 * TRNS TO TD TRANSFER TO TERM DEPOSIT

Cash Management Online Funds Transfer

506 00 * TFR DEBIT
(SDSC) - DR

Cash Management Online Funds Transfer

506 36 * TFR DEBIT
(SDSC) - DR

Cash Management Online -

508 00 * INT/RTGS
International/RTGS

Cash Management Online -

508 27 * INT/RTGS
International/RTGS

514 00 55 FOREX FOREIGN EXCHANGE

527 15 * AUTO PYMNT AUTOMATIC PAYMENT

527 15 06 AUTO PYMNT AUTOMATIC PAYMENT

527 15 * AUTO PYMNT Automatic Payment

527 15 * AUTO PAY Automatic Payment

555 01 * DISHONOUR Dishonour

555 01 * DISHONOUR Dishonours

555 801 * DISHONOUR Dishonour

575 100 * TRGETBALDR TARGET BAL DR

659 175 * INT ADJ INTEREST ADJUSTMENT

659 186 * INT ADJ INTEREST ADJUSTMENT

698 00 * DEBIT Outward Payment Fee

698 01 * UNPD ITEM UNPAID ITEM

698 02 08 CHQCLR FEE Clearance Fee

698 02 * CHQCLR FEE Cheque Clearance Fee

Page 250 of 265

 Transaction
BAI Code AUXDOM Transaction Type Decription
Code
698 02 * CLCR FEE CLEARANCE FEE

698 13 000350 ACPT END ACCEPT END FEE

698 13 006750 ALTAMD FEE ALERT AMEND FEE

698 13 006700 ALRTLD FEE ALERT LOAD FEE

698 13 006800 ALTSRV FEE ALERT SERV FEE

698 13 000100 AUDRPTFee AUD CONF REPORT

698 13 000200 B CHQ FEE BCHQ FEE

698 13 * BNK CHRG BANK CHARGE

698 13 000130 BILLPMTPEN BILL PMT PENALTY

698 13 000750 CASHHNDFEE CASH HANDLING FEE

698 13 005200 CASHSRVFEE CASH SERVICE FEE

698 13 000270 CERTINCHGD CERT IN CHRGED FEE

698 13 004000 CERTMRGINT CERT MRTGAGE INT

698 13 003300 CERTBALFEE CERT OF BAL FEE

698 13 000250 CERTINTFEE CERT OF INT FEE

698 13 002750 CT TLE FEE CERT OF TITLE FEE

698 13 000260 CRTWTAXFEE CERT WTAX FEE

698 13 006550 FEE REVERS NON-NZD SALE FEE REVERSAL

698 13 000450 COINHNDFEE COIN HANDLING FEE

698 13 000400 COMAMENDLC COMM AMEND LC FEE

698 13 000300 CR TRF FEE CREDIT TRF FEE

698 13 006300 DSCHDOCFEE DISCHARGE SECURITY DOC 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 003400 EXESECDOC EXECUTION OF SEC DOCS

698 13 000751 FEC FEE FOREX CNTRCT FEE

698 13 006850 ICSHPURFEE ICASH CARD PURCH

698 13 005400 INVEST FEE INVESTMENT 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

Page 251 of 265

 Transaction
BAI Code AUXDOM Transaction Type Decription
Code
698 13 001200 LOAN FEE LOAN FEE

698 13 001300 LN HLD FEE LOAN HOLDING FEE

698 13 002700 LTDCO SRCH LTD CO SEARCH FEE

698 13 006650 MNTHLY FEE MONTHLY BANKING FEE

698 13 006400 MRCHSVCCHG MERCHANT SVC CHG

698 13 005600 MONTRG FEE MONITORING FEE

698 13 006500 PHOTO FEE MYPHOTO FEE

698 13 006200 OL MTH FEE ONLINE BANK MTH FEE

698 13 006100 OL REG FEE ONLINE BANK REG FEE

698 13 001700 OS TXN COM OSEAS TXN COMM

698 13 000800 ONEOFF FEE ONE-OFF PYMT FEE

698 13 006210 OL CDE FEE ONLINE CODE FEE

698 13 001450 ORDERS FEE ORDERS FEE

698 13 001500 CHQBK FEE OVERPRINT CHQBK

698 13 005500 PVT BK FEE PRIVATE BANKING

698 13 003500 PRDSECDOC PRODUCTION OF SEC DOCS

698 13 006950 REPCRD FEE REPLACEMENT CARD FEE

698 13 006450 REP FEE REPRESENT FEE

698 13 002050 SCRIP FEE SCRIPT FEE

698 13 005800 SDCP FEE SAME DAY CL PMT FEE

698 13 002000 SCINSP FEE SECURITY INSPECTION FEE

698 13 006250 SHOEBOX AC SHOEBOX ACCOUNTS

698 13 002100 SP ANS FEE SPECIAL ANSWER FEE

698 13 002200 ST CPY FEE STMT COPY FEE

698 13 003200 STPPMT FEE STOP PAYMENT FEE

698 13 002250 PD CHQ FEE SURRENDER PAID CHQ FEE

698 13 002500 TVLCHQ COM TRAVELLERS CHQS COMM

698 13 005700 TTONE FEE TOUCH TONE FEE

698 13 002400 TVL BK FEE TRAVEL BOOKINGS

698 13 002350 TRFFND FEE TRF OF FUNDS FEE

698 13 006600 TXTREQ FEE TXT-REQUEST FEE

698 13 007000 URGCRD FEE URGENT CARD FEE

698 13 006900 VDBT FEE VISA DEBIT CARD FEE

Page 252 of 265

 Transaction
BAI Code AUXDOM Transaction Type Decription
Code
698 13 002600 VR SCH FEE VOUCHER SEARCH

698 13 005900 W DRWL FEE WITHDRAWAL FEE

698 13 * BNKCHG Bank Charges

698 13 20 FEES ANZ MTS DIRECT DEBIT

698 13 * BNKCHG Bank Charges

698 13 58 FEES UNIDENTIFIED CHANNEL CODE - "wildcard"

698 13 * FEES Sundry Bank Charges

698 16 58 FEES UNIDENTIFIED CHANNEL CODE - "wildcard"

698 16 * ADMIN FEE Admin Transaction Fee

698 16 * BANK FEE Account Administrator / Transaction Fee

698 21 * DATABNKCHG DATABANK CHARGE

698 22 * BNKCHG GST BANK CHGS (INC GST)

698 22 000200 BUSFCS CHG BUSINESS FOCUS CHARGE (INC GST)

698 22 000500 BUSFCS CHG BUSINESS FOCUS CHARGE (INC GST)

698 22 000100 BUSPLS CHG BUSINESS PLUS CHARGE (INC GST)

698 22 000400 BUSPLS CHG BUSINESS PLUS 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 22 000300 STRTUP CHG START UP CHARGE (INC GST)

698 24 * LINEOFCR Line of Credit Fee

698 26 000150 ATMWTHDRWL ATM WITHDRAWAL

698 26 003700 BCARD CHRG BCARD CHARGES

698 26 003800 BCDCHG ADJ BCARD CHG ADJ

698 26 * BNK CHRG BANK CHARGE

698 26 001564 CSHPNT DEP CASH POINT DEP

698 26 001562 CSHPNT FC CASHPOINT FAST CASH

698 26 001563 CSHPNT TNF CASHPOINT TRANSFER

698 26 001561 CSHPNT FEE CASHPOINT CARD WITHDRAWAL

698 26 003000 CHRG BACK CHARGE BACK

698 26 006400 IWSREN FEE IWS RENEWAL FEE

698 26 003900 MTSERR FEE MTS ERROR FEE

698 26 004200 NONRES LEV NON RESIDENT LEVY

Page 253 of 265

 Transaction
BAI Code AUXDOM Transaction Type Decription
Code
698 26 004100 NONRES WT NON RESIDENT WITHHOLDING TAX

698 26 001600 OS BK CHG OSEAS BK CHGS

698 26 001800 POSTAGE POSTAGE

698 26 002800 REG FEE REG FEES - RELEASE MTGE/CHATTEL SECS

698 26 002900 STAMP DUTY STAMP DUTY

698 26 003100 CR CRD ADJ SUNDRY CREDIT CARD ADJ

698 26 002650 W HOLD TAX WHOLDING TAX

698 49 * EDS CHARGE EDS (CICS) CHG

MONTHLY ACCOUNT AND TRANSACTION

698 101 AM MNTHLY FEE
FEE

698 101 AS ACCSER FEE ACCOUNT SERVICE FEE

698 101 AP AP GEN FEE AUTOMATIC PAYMENT GENERATION FEE

698 101 TA AUTOTXNFEE AUTOMATED TRANSACTION FEE

698 101 * GEN FEE GENERATED FEE

698 101 LV LOWWD CHRG LOW WITHDRAWAL CHARGE

698 101 TM MANTXNFEE MANUAL TRANSACTION FEE

698 101 AF MNTHLY FEE MONTHLY ACCOUNT FEE

698 101 OA OD APP FEE OVERDRAFT APPLICATION FEE

698 101 OM OM FEE OVERDRAFT MANAGEMENT FEE

698 101 TN TXN FEE TRANSACTION FEE

698 101 OX UO FEE UNARRANGED OVERDRAFT FEE

698 104 * STPPMT FEE STOP PYMT FEE

698 106 * DISHNR FEE DISHONOUR FEE

698 140 003610 AP GEN FEE AUTOMATIC PAYMENT GENERATION FEE

AUTOMATIC PAYMENT LOAD AND AMEND

698 140 003600 AP LD FEE
FEE

698 140 * AP GEN FEE AUTOMATIC PAYMENT GENERATION FEE

MONTHLY ACCOUNT AND TRANSACTION

698 162 001616 AC TXN FEE
FEE

698 162 001675 BILLPMTMT BILL PAYMENT MAINTENANCE FEE

698 162 001670 BILLPMTFEE BILL PAYMENT LOAD FEEE

698 162 001635 ACC FEE ACCOUNT FEES AT CLOSURE

698 162 * MTH AC FEE MONTHLY ACCOUNT FEE

698 163 001641 CHQTXNFEE CHEQUE TRANSACTION FEE

698 163 * TXN FEE TRANSACTION FEE

Page 254 of 265

 Transaction
BAI Code AUXDOM Transaction Type Decription
Code
698 164 * OD APP FEE OVERDRAFT APPLICATION FEE

698 165 * OD MGT FEE OVERDRAFT MANAGEMENT FEE

698 165 002404 OMF FEEAPR OVERDRAFT MANAGEMENT FEE-APRIL

698 165 002408 OMF FEEAUG OVERDRAFT MANAGEMENT FEE-AUGUST

698 165 002412 OMF FEEDEC OVERDRAFT MANAGEMENT FEE-DECEMBER

698 165 002402 OMF FEEFEB OVERDRAFT MANAGEMENT FEE-FEBRUARY

698 165 002401 OMF FEEJAN OVERDRAFT MANAGEMENT FEE -JANUARY

698 165 002407 OMF FEEJUL OVERDRAFT MANAGEMENT FEE-JULY

698 165 002406 OMF FEEJUN OVERDRAFT MANAGEMENT FEE-JUNE

698 165 002403 OMF FEEMAR OVERDRAFT MANAGEMENT FEE-MARCH

698 165 002405 OMF FEEMAY OVERDRAFT MANAGEMENT FEE-MAY

698 165 002411 OMF FEENOV OVERDRAFT MANAGEMENT FEE-NOVEMBER

698 165 002410 OMF FEEOCT OVERDRAFT MANAGEMENT FEE-OCTOBER

698 165 002409 OMF FEESEP OVERDRAFT MANAGEMENT FEE-SEPTEMBER

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

OAF TRANSFER FROM NOMINATED

698 208 * OAFACCTRF
ACCOUNT

698 210 * ONEOFF PMT ONE-OFF PAYMENT

698 211 * ONLINE DC ONLINE DC

Cash Management Online Direct Credit

699 00 * FUNDS DR
(SDMC) - DR

699 00 20 DIR ONLINE ANZ MTS DIRECT DEBIT

699 00 20 DEBIT ANZ MTS FUNDS DEBIT

PAYPLUS SAME DAY CLEAR/PAY PLUS -

699 00 * SDC PYMT
DEBIT

699 00 41 ATM DEBIT ATM DEBIT

699 00 * DEBIT DEBIT

699 00 01 DEBIT DEBIT

699 00 06 DEBIT DEBIT

Page 255 of 265

 Transaction
BAI Code AUXDOM Transaction Type Decription
Code
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 43 EFT-POS EFT-POS

699 00 2A ONEOFF PMT ON LINE ONE-OFF PAYMENT

Cash Management Online Direct Credit

699 00 * FUNDS DR
(SDMC) - DR

Cash Management Online Direct Debit

699 00 * PAYMENT
(SCMD) DR

699 00 * DEBIT Debits

Cash Management Online Direct Debit

699 00 * PAYMENT
(SCMD) DR

Cash Management Online Direct Credit

699 00 * FUNDS DR
(SDMC) - DR

699 00 * DEBIT DEBIT

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 11 * CHQBK DUTY Cheque Book Cheque Duty

699 11 * GVTCHQ DUT GOVT CHEQUE DUTY

699 12 * DFT Promissory Note

699 12 * BILL DRFT BILL DRAFT

699 13 * AUTO PYMNT AUTOMATED PAYMENT FEE

699 14 * INS Group Assurance

699 14 * INSURANCE INSURANCE

699 15 2A ONLINE DC ONLINE DIRECT CREDIT

699 16 * DEBIT DEBIT

699 17 * DEBIT DEBIT

699 17 * DR INT Debit Interest

699 19 * DEBIT DEBIT

699 20 * DEBIT DEBIT

699 21 * CHARGE EDS Databank Charge

Page 256 of 265

 Transaction
BAI Code AUXDOM Transaction Type Decription
Code
699 23 * TELCAB CST TELEPHONE/CABLE COST

699 23 * TCC Charge for Toll calls or Cables

699 24 * DEBIT DEBIT

699 25 * DEP ERROR DEPOSIT CORRECTION

699 25 * ERRINDEP Reduction in curtomers lodgement

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 30 * REVERSAL Cash Withdrawal

699 30 * REVERSAL Reversal of Credit

699 31 * UNPD REV UNPAID ITEM REV

699 32 * STPMTS PMT STOPPED MTS PYMT

699 34 * DEBIT DEBIT

699 37 * DEBIT DEBIT

KEY FORM EXEMPT CHEQUE AND DEPOSIT

699 38 * EXCHQDEPBK
BOOK

699 39 * DEBIT DEBIT

699 40 * DEBIT DEBIT

699 41 * DEBIT DEBIT

699 42 * DEBIT DEBIT

699 43 * 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

699 102 * DR INT TRF DEBIT INTEREST TRANSFER

699 111 * LOAN INT LOAN INTEREST

699 112 * LOAN FEE LOAN FEE

699 119 * PMTPRTCOST PAYMENT FOR PRINT COSTS

699 121 * DR INT DEBIT INTEREST

699 122 * AC EX CHG ACCOUNT EXCESS CHARGE

Page 257 of 265

 Transaction
BAI Code AUXDOM Transaction Type Decription
Code
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

699 138 41 ATM DEBIT ATM DEBIT

699 138 02 EFT-POS EFT-POS

699 138 * ATM DEBIT ATM DEBIT

699 142 * LNDRWNREV LOAN DRAWDOWN REVERSAL

699 145 * DEBIT DEBIT

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

699 166 * ADJ TO TAX ADJUSTMENT TO TAX

699 168 * CR TRANSFR CREDIT TRANSFER

699 173 * ATM SETTLE ATM SETTLEMENT

699 177 * WHOLDTXADJ WITHHOLDING TAX ADJUSTMENT

SETOFF MONTHLY ACCOUNT AND

699 180 * SO AC TXN
TRANSACTION FEE

699 181 * SO OD INT SETOFF OVERDRAFT INTEREST

699 183 * SOTAXWHELD SETOFF TAX WITHHELD

699 188 * WHOLDTXADJ WITHHOLDING TAX ADJUSTMENT

699 190 * TAXONPRFIT TAX ON PROFIT

699 192 * TAXONBALOT TAX ON CASH BALLOT PAYMENT

699 193 * FORFEITURE FORFEITURE

699 200 * DEBIT SAV DEBIT - SAVINGS

699 201 * WHOLDTXADJ WITHHOLDING TAX ADJUSTMENT

699 202 LC BlkngTXNCr BULKING TXN CR

699 202 LD BlkngTXNDr BULKING TXN DR

Page 258 of 265

 Transaction
BAI Code AUXDOM Transaction Type Decription
Code
699 202 * OFF ENTRY OFFICE ENTRY

699 203 * TRF CR INT TRANSFER CREDIT INTEREST

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

Page 259 of 265

21.2.4. 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.

Transaction
BAI Code AUXDOM Transaction Type Decription
Code
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

PLUS INTERNATIONAL NON-ANZ ATM

399 66 * MIN OF DEF
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

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

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 Transaction
BAI Code AUXDOM Transaction Type Decription
Code
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 2 * CLEAR FEE Clearance Fee

698 13 * BNK CHRG BANK CHARGES

698 16 * ACC MNTFEE Account Maintenance Fee

698 19 * OD APP FEE Overdraft Application 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 4 * OFF ENTRY Office Entry

699 6 * ANL CDE DR ANALYSIS CODE DEBIT

699 7 * ANL CDE DR ANALYSIS CODE DEBIT

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

Charges (non Fees) with Statement

699 26 * CHARGES
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 43 * DEBITTRUST Debit Trust Management

699 46 * REP RESBNK Repatriation to Reserve Bank

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21.3. Appendix C - Use of Auxdom/Trancode
This section offers advice on the use of Trancode/Auxdom in recognising transactions.
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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21.4. 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 not a BULK user.

21.4.1. 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 COMPLETE_NA Retain the first 9 characters and insert “DISHONOUR ” 10 1 - 10

database RATIVE a space

Returned Drawer’s Append the Drawer’s Account Number 123-456 18 11 - 28

Items Account and insert a space to the 789098784
database Number 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.

Returned Cheque Append the Cheque Number and insert 123456789 10 29 – 38

Items Number a space to the COMPLETE_NARATIVE
database field.
Remove the first digit of the Cheque
number. Determine if the Cheque
Number is 6 or 9 digits and use that
number.

Returned Drawer’s Append the Drawer’s Name to the Alice Marland 60 39 – 98

Items Name COMPLETE_NARATIVE field.
database

Returned Deposit Serial Append the Deposit Serial Number 4567890123 10 99 – 108
Items Number (Agent Number) to the
database COMPLETE_NARATIVE field.
Use the right most 10 bytes of the
Deposit Serial Number

Returned Return Reason Append the Return Reason Code and “932 ” 4 109 –112
Items Code insert a space to the
database COMPLETE_NARATIVE field.

Returned Return Reason Append the Return Reason Text to the Refer to Drawer 48 113 - 160
Items Text COMPLETE_NARATIVE field. [Insufficient
database If the length of the Funds]
COMPLETE_NARATIVE field > 160
characters, then truncate the Return
Reason Text in order for the
COMPLETE_NARATIVE field to equal
160 characters

Example “DISHONOUR 123-456 789098784 123456789 Alice Marland4567890123932 Refer

to Drawer [Insufficient Funds]”

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21.4.2. 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 Position

BTR database COMPLETE_NA Retain the first 8 characters “REVERSAL ” 9 1-9

RATIVE and insert a space.

Returned Target Account Append the Target Account 123-456 789098784 18 10 - 27

Items Number Number to the
database 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.

Returned Target Account Append the Target Account “Alice Marland “ 33 28 – 60

Items Name Name to the
database COMPLETE_NARATIVE field
and insert a space.

Returned User Id Append the User Id to the If 000401032, then 7 61-67

Items COMPLETE_NARATIVE field “401032 “
database and insert a space.
Use the last 6 characters of
the User ID

Returned Lodgement Append the Lodgement Date “2005/08/05 “ 11 68 – 78

Items Date to the COMPLETE_NARATIVE
database field and insert a space.
Format is defined as
YYYY/MM/DD

Returned Lodgement Append the Lodgement “XYZ 19 79 – 97

Items Reference Reference to the 1234567553543 “
database COMPLETE_NARATIVE field
and insert a space.

Returned Return Reason Append the Return Reason “123 ” 4 98 – 101

Items Code Code and insert a space to the
database COMPLETE_NARATIVE field.

Returned Return Reason Append the Return Reason No available funds 59 102 - 160
Items Text Text to the
database 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

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21.4.3. 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.”

Truncated

“REVERSAL 123-456 789098784 123456789 Rosaline Alice Marland4567890123123 unable to access

funds from customer’s account 123-456 789098784 due to available fund”

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