ANZ Transactive File Formats Web Only_07 2013 MM I Pyramid Docking Station Clientfileformats

User Manual: i-Pyramid Docking Station

Open the PDF directly: View PDF PDF.
Page Count: 118

DownloadANZ Transactive File Formats Web Only_07 2013 MM I-Pyramid Docking Station Clientfileformats
Open PDF In BrowserView PDF
ANZ TRANSACTIVE
FILE FORMATS
WEB ONLY
07.2013

Page 1 of 118

ANZ Transactive and ANZ Transactive - Mobile are provided by Australia and New Zealand Banking
Group Limited (ACN 005 357 522).
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 Bank New Zealand Limited from or
within New Zealand.

Page 2 of 118

TABLE OF CONTENTS

1.

2.

Introduction
1.1.1.Purpose

6

1.1.2.Scope

6

1.1.3.File Formats Overview (Payables)

7

AU Domestic Payments File Formats

8

2.1.

Introduction

8

2.2.

ABA File Format

8

2.2.1.Overview

8

2.2.2.Import Methods

8

2.2.3.ABA File Layout and Character Set

8

2.3.

3.

2.2.4.0 - Descriptive Record

10

2.2.5.1 – Detail Record

10

2.2.6.7 – Batch Control Record

13

AU Domestic Payments CSV Detail Import

14

2.3.1.Overview

14

2.3.2.CSV File Layout and Character Set

14

2.3.3.Detail Record

15

NZ Domestic Payments File Formats

16

3.1.

Introduction

16

3.2.

NZ Domestic Payment CSV (Full File Import)

16

3.2.1.Overview

16

3.2.2.File Layout and Character Set

16

3.2.3.Descriptive Record

16

3.2.4.Detail Record

17

3.2.5.Batch Control Record

18

NZ Domestic Payments CSV Detail Import (with Control Record)

19

3.3.1.Overview

19

3.3.2.NZ Domestic Payments CSV (with Control Record) File Layout and Character Set

19

3.3.3.Descriptive Record

20

3.3.4.Detail Record

21

3.3.5.Batch Control Record

22

NZ Domestic Payments CSV Detail Import (without Control Record)

23

3.4.1.Overview

23

3.4.2.NZ Domestic Payments CSV (without Control Record) File Layout and Character Set

23

3.4.3.Detail Record

24

3.3.

3.4.

4.

6

Single Payments File Formats

25

4.1.

Introduction

25

4.2.

MT101 File Format (Australia & New Zealand)

25

4.2.1.Overview

25

4.2.2.File Naming Convention

25

4.2.3.MT101 File Layout and Character Set

25

4.2.4.Sequence A – General Information

27

4.2.5.Sequence B – Transaction Detail Record

28

Page 3 of 118

4.3.

4.4.

4.5.

5.

4.2.6.Clearing System Codes

32

WIRS file format (Australia only)

33

4.3.1.Overview

33

4.3.2.File Naming Convention

33

4.3.3.WIRS File Layout and Character Set

33

4.3.4.Detail Record

34

4.3.5.Miscellaneous Field Format Specifications

35

4.3.6.Account with Institution Country ISO Code

36

NZ International Payment CSV file format (New Zealand only)

37

4.4.1.Overview

37

4.4.2.File Naming Convention

37

4.4.3.NZ International CSV File Layout and Character Set

37

BPAY File format (Australia only)

42

4.5.1.Overview

42

4.5.2.BPAY File Layout and Character Set

42

4.5.3.File Header Record

42

4.5.4.Payment Instruction Record

43

4.5.5.File Trailer Record

45

BTR and Returned Items File Formats

46

5.1.

Introduction

46

5.2.

BAI File

46

5.3.

Introduction

46

5.3.1.Reserved Characters

46

5.3.2.BAI File Layout

47

5.3.3.File Header Record

48

5.3.4.Group Header Record

49

5.3.5.03 – Account Identifier and Summary Status Record

49

5.3.6.16 – Transaction Detail Record

51

5.3.7.88 – Continuation Record

52

5.3.8.49 – Account Trailer Record

52

5.3.9.98 – Group Trailer Record

53

5.3.10.99 – File Trailer Record

53

5.4.

Statement Files

54

5.5.

Introduction

54

5.5.1.Statement Balance File Format

54

5.5.2.Statement Transaction File Format

56

5.6.

SAP/Multi-cash Files

59

5.7.

Introduction

59

5.7.1.SAP/Multi-cash Balance File Format

60

5.7.2.SAP/Multi-cash Transaction File Format

62

5.8.

Returned Item Files (Australia only)

65

5.9.

Introduction

65

5.9.1.Returned Items File Layout

65

5.9.2.Header Record – Returned Direct Debits and Credits

66

5.9.3.Detail Record – Returned Direct Debits and Credits

66

5.9.4.Trailer Record – Returned Direct Credits and Debits

67

5.9.5.Header Record – Returned Cheques

68

5.9.6.Detail Record – Returned Cheques

69

Page 4 of 118

6.

5.9.7.Trailer Record – Returned Cheques

70

5.9.8.Return Reason Codes – Returned Direct Debits/Credits

70

5.9.9.Return Reason Codes – Returned Cheques

71

5.10. NZ Statement Files (New Zealand Domestic Accounts only)

72

5.11. Introduction

72

5.11.1.NZ Statement File(s) – Balance File

73

5.11.2.NZ Statement File(s) – Transaction File

75

5.11.3.Type 3 (Transaction Record)

75

5.11.4.Type 5 (Opening Balance Record)

76

5.11.5.Type 6 (Closing Balance Record)

77

5.11.6.Type 8 (Total Debits/Credits Record)

78

5.11.7.Type 9 (Grand Total Debits/Credits Record)

79

Appendices

80

6.1.

Appendix A – BAI/Transaction Codes

80

6.1.1.BAI Status and Summary Level Items

80

6.1.2.Retail, Corporate/Institutional and V2 Plus accounts (CAP, CMM and V2P sources)

86

6.1.3.MANTEC accounts, MIDANZ accounts (local & offshore), other ANZ offshore accounts and other bank
accounts
101

Page 5 of 118

6.1.4.New Zealand ANZ Bank (SYS account source)

106

6.1.5.New Zealand Cross Bank accounts (Westpac & Bank of New Zealand)

116

6.1.6.Appendix B - Use of Auxdom/Trancode

118

1.

Introduction

1.1.1.

Purpose

The purpose of this document is to collate the various file formats for ANZ Transactive in a
single document.
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.

1.1.2.

Scope

This document applies to:
The following ANZ Transactive web-interface file formats:








AU Domestic Payments import file formats:
o

ABA file format.

o

CSV file format.

NZ Domestic Payments import file formats:
o

NZ Domestic Payment CSV (Full File Import).

o

NZ Domestic Payment CSV Detail Import (with Control Record).

o

NZ Domestic Payment CSV Detail Import (Without Control Record).

Single Payments import file formats:
o

MT101 file format.

o

WIRS file format.

o

NZ International Payment CSV file format.

o

BPAY file format.

Reporting export file formats:
o

BAI export format.

o

Statement export format.

o

SAP/Multi-cash export format.

o

Returned Items export format.

o

NZ Statement files.

This document does NOT address:


Host-to-Host file formats



Instructions for importing/exporting files.



Examples of correctly formatted import/export files.

Page 6 of 118

1.1.3.

File Formats Overview (Payables)

The Table below is a summary of the Payable File Formats for Australian and New Zealand customers
File Type
BPAY
Single
Payments

MT101
WIRS

Australian
Customers

New Zealand
Customers








NZ International Payment CSV
ABA
Domestic
Payments

AU Domestic Payments CSV
NZ Domestic Payments CSV (Full File)
NZ ANZ Domestic Payments CSV






Note: File formats shown in italics are supported by Transactive, but are not preferred file formats.

Page 7 of 118

2.

AU Domestic Payments File Formats

2.1.

Introduction

This section details the types of Australian Domestic Payments import file formats available
in ANZ Transactive.

2.2.

ABA File Format

2.2.1.

Overview

The ABA File format allows a user to import an ABA formatted file into ANZ Transactive as
one or more batches of payment instructions.
Note:
The ABA file conforms to the Australian Payments Clearing Associations (APCA) file
specifications.

2.2.2.

Import Methods

There are two methods for importing ABA files in ANZ Transactive:
 Direct Entry ABA Detail Import method (Importing into an existing Batch or Template).
This method only allows one batch of payment instructions per ABA file.
 ABA File Import method (Importing creates batches). This method allows one or more
batches of payment instructions per ABA file.

2.2.3.

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 Details 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:

Page 8 of 118

o
o

Numbers: 0-9.
‘Optional’ Numeric fields must be filled with zeros if no data exists.

ANZ Transactive requires ABA files 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.

Page 9 of 118

2.2.4.

0 - Descriptive Record

The Descriptive Record contains Direct Entry payment batch header details.
The following table describes the format of the Descriptive Record:
Field
Description

Type

Notes

Start
Position

End
Position

Length

Mandatory/
Optional

Record type

Numeric

Must be ‘0’.

1

1

1

Mandatory

BSB

Alpha

Bank/State/Branch number
of the funds account with a
hyphen in the 4th character
position.

2

8

7

Optional

e.g. 013-999.
Account

Alpha

Funds account number.

9

17

9

Optional

Reserved

Alpha

Blank filled.

18

18

1

Optional

Sequence
number

Alpha

Must be ‘01’.

19

20

2

Mandatory

Name of User
Financial
Institution

Alpha

Must contain the bank
mnemonic that is associated
with the BSB of the funds
account.

21

23

3

Mandatory

e.g. ‘ANZ’.
Reserved

Alpha

Blank filled.

24

30

7

Optional

Name of User
supplying File

Alpha

User Preferred Name as
registered with ANZ’

31

56

26

Mandatory

User
Identification
number

Numeric

Direct Entry User ID.

57

62

6

Mandatory

Description of
entries on File

Alpha

63

74

12

Mandatory

75

80

6

Mandatory

81

84

4

Optional

85

120

36

Optional

Right-justified, zero-filled.
Description of payments in
the file (e.g. Payroll,
Creditors etc.).
Can be used to match
existing domestic payments
template.

Date to be
processed

Alpha

Date on which the payment
is to be processed.
DDMMYY (e.g. 010111).

Time

Alpha

Time on which the payment
is to be processed.
24 hour format - HHmm.

Reserved

2.2.5.

Alpha

Blank filled.

1 – Detail Record

Each Detail Record contains one Direct Entry payment instruction. One or more Detail Items
can be included in a single ABA file.
The following table describes the format of the Detail Record:
Field
Description

Type

Notes

Start
Position

End
Position

Length

Mandatory/
Optional

Record type

Numeric

Must be ‘1’.

1

1

1

Mandatory

BSB of
account to be
CREDITED or
DEBITED

Alpha

Bank/State/Branch number
with a hyphen in the 4th
character position.

2

8

7

Mandatory

Page 10 of 118

e.g. 013-999.

Field
Description

Type

Notes

Start
Position

End
Position

Length

Mandatory/
Optional

Account
number to be
CREDITED or
DEBITED

Alpha

Numeric, alpha, hyphens &
blanks are valid. Right
justified, blank filled.

9

17

9

Mandatory

Withholding
Tax Indicator

Alpha

18

18

1

Optional

19

20

2

Mandatory

Leading zeros that are part
of an Account Number must
be included.
One of the following values,
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 nonresidence. The amount of
withholding tax is to appear
in the Amount of
Withholding Tax field.

Transaction
Code

Numeric

Select from the following
options as appropriate:
50 General Credit.
53 Payroll.
54 Pension.
56 Dividend.
57 Debenture Interest.
13 General Debit.

Amount to be
CREDITED or
DEBITED

Numeric

Right justified, zero filled,
unsigned, two decimal
places are implied (e.g.
$10.21 is recorded as
0000001021).

21

30

10

Mandatory

Title of
account to be
CREDITED or
DEBITED

Alpha

Preferred format is:
Surname followed by given
names with one blank
between each name.

31

62

32

Mandatory

63

80

18

Mandatory

81

87

7

Mandatory

88

96

9

Mandatory

e.g. SMITH John Alan.
Left justified, blank filled.
Lodgement
Reference

Alpha

Produced on
the recipient’s
Account
Statement.
Trace BSB
Number

Payment reference
indicating details of the
origin of the entry (e.g.
payroll number, policy
number).
Left justified, blank filled.

Numeric

Bank/State/Branch number
of the trace account with a
hyphen in the 4th character
position.
e.g. 013-999

Trace Account
Number

Alpha

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

Page 11 of 118

Field
Description

Type

Notes

Start
Position

End
Position

Length

Mandatory/
Optional

Name of
Remitter

Alpha

Name of originator of the
entry. This may vary from
Name of User.

97

112

16

Mandatory

113

120

8

Optional

Produced on
the recipient’s
Account
Statement.
Withholding
amount

Left justified, blank filled.

Numeric

Must be zero filled or
contain a withholding tax
amount.
If it contains a withholding
tax amount, two decimal
placed are implied (e.g.
$10.21 is recorded as
0000001021).

Page 12 of 118

2.2.6.

7 – 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
Description

Type

Notes

Start
Position

End
Position

Length

Mandatory/
Optional

Record type

Numeric

Must be ‘7’.

1

1

1

Mandatory

Reserved

Alpha

Must be ‘999-999’.

2

8

7

Mandatory

Reserved

Alpha

Blank filled.

9

20

12

Optional

Batch Net
Total Amount

Numeric

Batch Credit Total Amount
minus Batch Debit Total
Amount.

21

30

10

Mandatory

31

40

10

Optional

41

50

10

Optional

Right justified, zero filled,
unsigned, two decimal
places are implied (e.g.
$1001.21 is stored as
‘0000100121’).
Batch Credit
Total Amount

Numeric

Must be zero filled or
contain the total value of all
Record Type 1 CREDIT
transactions on the batch.
Right justified, zero filled,
unsigned, two decimal
places are implied.

Batch Debit
Total Amount

Numeric

Must be zero filled or
contain the total value of all
Record Type 1 DEBIT
transactions on the batch.
Shown in cents without
punctuation (e.g. $1001.21
is stored as ‘0000100121’).
Right justified, zero filled,
unsigned, two decimal
places are implied.

Reserved

Alpha

Blank filled.

51

74

24

Optional

Batch Total
Item Count

Numeric

Total count of Type 1
records in the batch.

75

80

6

Mandatory

81

120

40

Optional

Right justified, zero filled.
Reserved

Alpha

Page 13 of 118

Blank filled.

2.3.

AU Domestic Payments CSV Detail Import

2.3.1.

Overview

The Direct Entry CSV Detail Import file format allows a user to import a CSV file containing
payment details into an existing Domestic Payments batch or template.

2.3.2.

CSV File Layout and Character Set

A valid CSV file consists of only one record type - Detail Record. Direct Entry detail items
will be created for each Detail Record in the CSV file.
The format specifications for the Detail Record is are outlined in detail further in this
document.
The following character set is allowed in a CSV 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 (@)
 Fields that are marked ‘Numeric’ in the ‘Type’ column are limited to:
o Numbers: 0-9.

Page 14 of 118

2.3.3.

Detail Record

Each Detail Record contains information used to create one payment instruction (Detail
Item).
There may be many Detail Records in one CSV file. Other required detail item fields are
inherited from the Batch/Template Header and can subsequently be changed.
All fields must be separated by a comma (,) and may be enclosed in double-quotes (“”) if
required. Each record will end with CRLF (carriage-return/line feed).

The following table describes the format of the Detail Record:
Field
Description

Type

Notes

Record
Position

Max
Length

Mandatory/
Optional

Reserved

Alpha

Not used by ANZ Transactive.

1

NA

Optional

Title of account to
be CREDITED or
DEBITED

Alpha

Preferred format is: Surname followed by
given names with one blank between each
name.

2

32

Mandatory

3

6

Mandatory

4

9

Mandatory

5

11 (8 if
no
decimal is
used)

Mandatory

6

18

Mandatory

e.g. SMITH John Alan.

BSB of account to
be CREDITED or
DEBITED

Numeric

Account number
to be CREDITED
or DEBITED

Alpha

Amount to be
CREDITED or
DEBITED

Numeric

Lodgement
Reference

Alpha

Produced on the
recipient’s
Account
Statement.

Page 15 of 118

Bank/State/Branch number of the payee
account.
e.g. 013999.
Numeric, alpha, hyphens & blanks are
valid. Right justified, blank filled.
Leading zeros that are part of an Account
Number must be included.
Payment amount.
Decimal point optional and not implied.

Payment reference indicating details of
the origin of the entry (e.g. payroll
number, policy number).

3.

NZ Domestic Payments File Formats

3.1.

Introduction

This section details the 3 types of New Zealand Domestic Payments import file formats
available in ANZ Transactive:
1. NZ Domestic Payment CSV (Full File Import),
2. NZ Domestic Payment CSV Detail Import (with Control Record),
3. NZ Domestic Payment CSV Detail Import (Without Control Record).

3.2.

NZ Domestic Payment CSV (Full File Import)

3.2.1.

Overview

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

3.2.2.

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.

3.2.3.

Descriptive Record

The Descriptive Record contains Domestic Payment batch header details.
The following table describes the format of the Descriptive Record:
Field
Description

Type

Notes

Record
Position

Max
Length

Mandatory/
Optional

Record Type

Numeric

Must be "1"

1

1

Mandatory

Batch Type

Numeric

"D" = Debit Batch / "C" = Credit Batch

2

1

Mandatory

Payment Date

Numeric

In The Form YYYYMMDD (e.g.
20100130)

3

8

Mandatory

Payment Time

Numeric

HHMM (e.g. 1330 is 1.30pm)

4

4

Optional

Page 16 of 118

Field
Description

Type

Notes

Record
Position

Max
Length

Mandatory/
Optional

Batch Creation
Date

Numeric

Value may be omitted or a YYYYMMDD
format value will be ignored by
Transactive

5

8

Optional

Funds Account

Numeric

In Form BBbbbbAAAAAAASS (2, 4, 7,
2). No hyphens

6

15

Mandatory

DD Code

Numeric

Mandatory for Debit Batches

7

7

Conditional

Reporting
Method

Numeric

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

8

1

Mandatory

Dishonour
Account

Numeric

In Form BBbbbbAAAAAAASS (2, 4, 7,
2). No hyphens

9

15

Mandatory

Batch Name

Alphanumeric

The name given to the batch being
created.

10

12

Mandatory

Can be used to match an existing NZ
domestic payments template (including
Restricted Templates). This only
applies to payments requiring web
authorisation.
Originator
Particulars

Alphanumeric

Reference details which are captured
by the originator.

11

12

Optional

Originator
Analysis Code

Alphanumeric

Reference details which are captured
by the originator.

12

12

Optional

Originator
Reference

Alphanumeric

Reference details which are captured
by the originator.

13

12

Optional

Reserved

-

Field reserved for future use.

14

-

Optional

Reserved

-

Field reserved for future use.

15

-

Optional

-

Field reserved for future use.

16

-

Optional

Reserved

3.2.4.

Detail Record

One or more Detail Items can be included in a single NZ Domestic Payment batch.

Page 17 of 118

The following table describes the format of the Detail Record:
Field
Description

Type

Notes

Record
Position

Max
Length

Mandatory/
Optional

Record Type

Numeric

Must be "2"

1

1

Mandatory

Account
Number to be
CREDITED or
DEBITED

Numeric

In Form BBbbbbAAAAAAASS (2, 4, 7,
2), BBbbbbAAAAAAASSS (2, 4, 7, 3) or
BBbbbbAAAAAAAASSS (2, 4, 8, 3). No
hyphens

2

17

Transaction
Code

Numeric

The transaction code for the item.

3

Mandatory
2

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

Numeric

Amount must be less than or equal to
99999999.99

Mandatory
4

10

2 decimal places are implied (e.g.
$10.21 is recorded as 1021)
Other Party
Name

Alphanumeric

Other Party
Particulars

Alphanumeric

Other Party
Analysis Code

Alphanumeric

Other Party
Reference

Alphanumeric

Originator
Particulars

Alphanumeric

Party Receiving Payment

Mandatory
5

32
Mandatory

Other Party Statement Details

6

12
Optional

Other Party Statement Details

7

12
Optional

Other Party Statement Details

8

12
Optional

Originator
Analysis Code
Originator
Reference

Alphanumeric

Alphanumeric

Only applicable if Reporting Method is
"M". If blank, will populate with
Originator Particulars in Batch Header.

9

Only applicable if Reporting Method is
"M". If blank, will populate with
Originator Code in Batch Header.

10

Only applicable if Reporting Method is
"M". If blank, will populate with
Originator Reference in Batch Header.

11

12
Optional
12
Optional
12
Optional

Reserved

-

Field reserved for future use.

12

-

Optional

Reserved

-

Field reserved for future use.

13

-

Optional

Reserved

-

Field reserved for future use.

14

-

Optional

3.2.5.

Batch Control Record

The Control Record contains details relating to the Hash Total, the total number of items
and the debit/credit totals for a batch.
The following table describes the format of the Control Record:
Field Description

Type

Notes

Record
Position

Max
Length

Mandatory/
Optional

Record Type

Numeric

Must be "3"

1

1

Mandatory

Batch Debit Total
Amount

Numeric

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

2

10

Mandatory

Page 18 of 118

Field Description

Type

Notes

Record
Position

Max
Length

Mandatory/
Optional

Batch Credit Total
Amount

Numeric

Value of all Credit transactions in the
batch. 2 decimal places are implied
(e.g. $10.21 is recorded as 1021)

3

10

Mandatory

Batch Total Item
Count

Numeric

Total number of Transactions in the
batch

4

6

Mandatory

Hash Total

Numeric

Sum of Branch/Account Numbers.

5

11

Optional

Reserved

-

Field reserved for future use.

6

-

Optional

Reserved

-

Field reserved for future use.

7

-

Optional

Reserved

-

Field reserved for future use.

8

-

Optional

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.

3.3.

NZ Domestic Payments CSV Detail Import (with Control
Record)

3.3.1.

Overview

The NZ Domestic Payments CSV Detail Import (with Control Record) file format allows a
user to import a CSV file containing payment details into an existing Domestic Payments
batch or template.

3.3.2.

NZ Domestic Payments CSV (with Control Record) File Layout and
Character Set

A valid NZ Domestic Payments CSV file (with Control Record) consists of the following
record types:
 A Descriptive Record
 One or more Detail Record(s)
 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 a CSV file:
 Character fields can contain both alpha and numeric values
 Numeric fields should only have digit values (0-9)

Page 19 of 118



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 of each
record

3.3.3.

Descriptive Record

The Descriptive Record contains Domestic Payment batch header details
The following table describes the format of the Descriptive Record:
Field
Description

Type

Notes

Record
Position

Max
Length

Mandatory/
Optional

Record Type

Numeric

Must be ‘1’

1

1

Mandatory

Subscriber ID

Numeric

Contents will be ignored

2

16

Optional

Batch Number

Numeric

Contents will be ignored

3

2

Optional

Null

Numeric

Contents will be ignored

4

4

Optional

Subscriber’s
Account Number

Numeric

Contents will be ignored

5

15

Optional

Batch Type

Numeric

Contents will be ignored

6

1

Optional

Batch Due Date

Numeric

Contents will be ignored

7

8

Optional

Batch Creation
Date

Numeric

Contents will be ignored

8

8

Optional

Page 20 of 118

3.3.4.

Detail Record

Each Detail Record contains information used to create one payment instruction (Detail
Item)
There may be many Detail Records in one CSV file. Other required detail item fields are
inherited from the Batch/Template Header and can subsequently be changed.
All fields must be separated by a comma (,) and each record will end with CRLF (carriagereturn/line feed).
The following table describes the format of the Detail Record:
Field
Description

Type

Notes

Record
Position

Max
Length

Mandatory/
Optional

Record Type

Numeric

Must be ‘2’

1

1

Mandatory

Account
Number

Numeric

In Form BBbbbbAAAAAAASS (2, 4, 7, 2),
or BBbbbbAAAAAAASSS (2, 4, 7, 3) or
BBbbbbAAAAAAAASSS (2, 4, 8, 3). No
hyphens.

2

17

Mandatory

Transaction
Code

Numeric

The transaction code for the item.

3

2

Mandatory

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

Numeric

The amount is in cents. No Dollar Signs,
Commas or Decimal Points.

4

10

Mandatory

Other Party
Name

Alphanumeric

Party Receiving Payment

5

32

Mandatory

Other Party
Reference

Alphanumeric

Other Party Statement Details

6

12

Optional

Other Party
Analysis
Code

Alphanumeric

7

12

Optional

Other Party
Alpha
Reference

Alphanumeric

8

12

Optional

Other Party
Particulars

Alphanumeric

9

12

Optional

Originator
Name

Alphanumeric

Name of Party Making Payment. Contents
will be ignored (since the payer's name
will be the 'Funds Account Name' from the
batch header details).

10

20

Optional

Originator
Analysis
Code

Alphanumeric

Details on customer's Statement

11

12

Optional

Originator
Reference

Alphanumeric

Details on customer's Statement

12

12

Optional

Originator

Alphanumeric

Details on customer's Statement

13

12

Optional

Other Party Statement Details

Not Used (but must be allowed for)

Particulars

Page 21 of 118

Other Party Statement Details

3.3.5.

Batch Control Record

The Batch Control Record contains details relating to the total number of items, the Hash
Total and debit or credit totals.
The following table describes the format of the Batch Control Record:
Field
Description

Type

Notes

Record
Position

Max
Length

Mandatory/
Optional

Record Type

Numeric

Must be ‘3’

1

1

Mandatory

Batch Total
Amount

Numeric

The amount is in cents. No dollar signs,
commas or decimal points

2

11

Mandatory

Number of
Transactions

Numeric

Total number of Transactions

3

5

Mandatory

Hash Total

Numeric

Sum of Branch / Account Numbers,
overflow Ignored.

4

11

Mandatory

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 additional characters on the left.

Page 22 of 118

3.4.

NZ Domestic Payments CSV Detail Import (without Control
Record)

3.4.1.

Overview

The NZ Domestic Payments CSV Detail Import (without Control Record) file format allows a
user to import a CSV file containing payment details into an existing Domestic Payments
batch or template.

3.4.2.

NZ Domestic Payments CSV (without Control Record) File Layout
and Character Set

A valid NZ Domestic Payments CSV file (without Control Record) consists of only one record
type - Detail Record. NZ Domestic Payment detail items will be created for each Detail
Record in the CSV file.
The format specifications for the Detail Record are outlined in detail further in this
document.
The following character set is allowed in a CSV file:
 Alphanumeric fields support:
o A..Z, 0..9, spaces and other keyboard characters (except commas which are treated
as field separators)
o

Numeric fields should only have digit values (0-9)

Page 23 of 118

3.4.3.

Detail Record

Each Detail Record contains information used to create one payment instruction (Detail
Item).
There may be many Detail Records in one CSV file. Other required detail item fields are
inherited from the Batch/Template Header and can subsequently be changed.
All fields must be separated by a comma (,) and each record will end with CRLF (carriagereturn/line feed).
The following table describes the format of the Detail Record:
Field
Description

Type

Notes

Record
Position

Max
Length

Mandatory/
Optional

Transaction
Amount

Numeric

The dollar amount of the transaction. This
can be expressed either in whole dollars
or in dollars and cents, e.g.
12 is read as 12.00
12. is read as 12.00
12.3 is read as 12.30
12.34 is read as 12.34
Commas cannot be used to separate
'000s.
The maximum allowable value is
$99,999,999.99.

1

10 (or 11
if decimal
point is
included)

Mandatory

Account
Number

Alphanumeric

The account number of the other party.
The account number must contain 17
digits, in the 2-4-8-3 format with optional
hyphens, e.g.

2

20

Mandatory

06-0501-00123456-000 or
06050100123456000
bank-branch-account base- account suffix
The base number and suffix portions
should be RIGHT JUSTIFIED (i.e. zerofilled to the left), e.g.
06-0501-0123456-02 (in 2-4-7-2 format)
must be represented as 06-050100123456-002 (in 2-4-8-3 format).
Other Party
Name

Alphanumeric

The name of the other party. Free format
alphanumeric text.

3

32

Mandatory

Originator
Reference

Alphanumeric

The Reference that will appear on the
customer's bank statement. Free format
alphanumeric text.

4

12

Optional

Originator
Analysis
Code

Alphanumeric

The Analysis Code that will appear on the
customer's bank statement. Free format
alphanumeric text.

5

12

Optional

Originator
Particulars

Alphanumeric

The Particulars that will appear on the
customer's bank statement. Free format
alphanumeric text.

6

12

Optional

Other Party
Reference

Alphanumeric

The Reference that will appear on the
other party's bank statement. Free format
alphanumeric text.

7

12

Optional

Other Party
Analysis
Code

Alphanumeric

The Analysis Code that will appear on the
other party's bank statement. Free format
alphanumeric text.

8

12

Optional

Other Party
Particulars

Alphanumeric

The Particulars that will appear on the
other party's bank statement. Free format
alphanumeric text.

9

12

Optional

Page 24 of 118

4.

Single Payments File Formats

4.1.

Introduction

This section details the Single Payments import format available in ANZ Transactive.

4.2.

MT101 File Format (Australia & New Zealand)

4.2.1.

Overview

The MT101 File Import allows a user to import an MT101 file into ANZ Transactive 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.

4.2.2.

File Naming Convention

Not applicable.

4.2.3.

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 /
Optional

1

Sending financial
institution

Mandatory

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

2

Message
Type/Receiving
financial institution

Mandatory

Block 2 is mandatory and for International and RTGS
payments must contain the SWIFT BIC of the Bank
that owns the funding account.
Example for ANZ Australia: {2: I 101
ANZBAU3MXXX}
Example for ANZ New Zealand: {2: I 101
ANZBNZ22XXX}
For Multibank payments, enter either the Australian
or New Zealand ANZ SWIFT BIC as per the examples
above.

3

Additional Tag
Information

Optional

Block 3 is optional. If present must begin with “{3:”
and end with “}”.
Not used by ANZ Transactive

4

Sequence A and
Sequence B

Mandatory

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

Page 25 of 118

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 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 (@)
 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 26 of 118

4.2.4.

Sequence A – General Information

Tag

Field Description

Type

Length

Notes

Mandatory
/Optional

:20:

Sender’s Reference

Alpha

16

Reference number to link payment to
originating system.

Mandatory

:21R:

Customer
reference

Alpha

16

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

Optional

:28D:

Message
Index/Total

Numeric

5n/5n

Always ‘00001/00001’. ANZ supports a
single sequence B.

Mandatory

:50L:

Instructing Party

Alpha

35

Identifies the customer authorised by the
account owner to order the payment.
Used for Multibank payments only.

Optional

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
should be included where applicable.
Name and address need not be entered.

Optional

Must be provided in either sequence A or
B but not in both.
Optional for BSB to be included in either
tag 50H or 52A but mandatory to be
provided in either 50H or 52A.
:52A:

Account Servicing
Institution

Alpha

11

SWIFT code pertaining to the funding
account of the payment.

Optional

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
Execution Date

Page 27 of 118

Numeric

6

The payment date in format YYMMDD
(e.g. 110101)

Mandatory

4.2.5.

Sequence B – Transaction Detail Record

The following table describes the format of Sequence B of an MT101 file:
Tag

Field Description

Type

Length

Notes

Mandatory
/Optional

:21:

Transaction
Reference

Alpha

16

Customer reference associated with the
payment.

Mandatory

:21F:

F/X Deal Reference

Alpha

16

Forward Exchange Contract or BID
reference if an international payment.

Optional

Applicable exchange reference if a
Multibank payment.
Mandatory if tag 36 is populated.
:23E:

Instruction Code

Alpha –

4 x 30

Numeric

Specific instructions provided by the
ordering customer to the account
servicing institution.

Conditional

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
Transaction
amount

Alpha –

3–

Payment currency and amount.

Numeric

15

E.g. USD1234,56 (note ‘,’ convention)

Mandatory

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

AlphaNumeric

35

Identifies the customer authorised by the
account owner to order the payment.

Optional

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
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 28 of 118

Optional

Tag

Field Description

Type

Length

Notes

Mandatory
/Optional

:52A:

Account Servicing
Institution

Alpha

11

SWIFT code pertaining to the funding
account of the payment.

Optional

May be provided in either sequence A or
B but not in both.
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
Institution

Alpha

11

Bank code of Intermediary bank. Can be
one of the following:


SWIFT BIC

OR
Alpha

:56C:

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 4.2.6)

OR
:56D:

Intermediary
Institution
(continued)

Alpha

5 x 35

Line 1: Bank code of Intermediary bank.
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 29 of 118

Optional

Tag

Field Description

Type

Length

Notes

Mandatory
/Optional

:57A:

Account With
Institution

Alpha

11

Bank code of beneficiary bank. Can be
one of the following:

Mandatory



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)



BB for RTGS NZ (format
//NZnnnnnn)

OR

: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 4.2.6)

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
Beneficiary preceded by a ‘/’.

Mandatory

Lines 2-5: Name and address of the
payment beneficiary.
:70:

Remittance
Information

Page 30 of 118

Alpha

4x35

Details of payment.

Optional

Tag

Field Description

Type

Length

Notes

Mandatory
/Optional

:33B:

Funding currency
and amount

Alpha –

3–

Funding currency and amount.

Optional

Numeric

15

E.g. AUD1234,56 (note ‘,’ convention).
Currency should match that of funding
account.
Amount can be 0 if 32B is specified.

: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
an international payment. Applicable
exchange rate if a Multibank payment.

Optional

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 by ANZ Transactive
have been omitted from this document.

Page 31 of 118

4.2.6.

Clearing System Codes

The table below lists the valid Clearing System Codes.
Clearing System
Code

Length

Comments

AT

5

Austrian Bankleitzahl

AU

6

Australian Bank State Branch (BSB) Code

BL

8

German Bankleitzahl

CC

9

Canadian Payments Association Payment Routing Number

CH

6

CHIPS Universal Identifier

CP

4

CHIPS Participant Identifier

ES

8 or 9

Spanish Domestic Interbanking Code

FW

9

Fedwire Routing Number

GR

7

HEBIC (Hellenic Bank Identification Code)

HK

3

Bank Code of Hong Kong

IE

6

Irish National Clearing Code (NSC)

IN

11

Indian Financial System Code (IFSC)

IT

10

Italian Domestic Identification Code

NZ

6

New Zealand National Clearing Code

PL

8

Polish National Clearing Code (KNR)

PT

8

Portuguese National Clearing Code

RU

9

Russian Central Bank Identification Code

SC

6

UK Domestic Sort Code

SW

3 or 5

Swiss Clearing Code (BC code)

SW

6

Swiss Clearing Code (SIC code)

ZA

6

South African National Clearing Code

Page 32 of 118

4.3.

WIRS file format (Australia only)

4.3.1.

Overview

The WIRS File Import allows a user to import a WIRS file into ANZ Transactive as one or
more Single Payment instructions. The supported payment types include RTGS and
International. Although WIRS files are supported by ANZ Transactive, MT101 files are the
preferred file format for these payment types. WIRS files can only be used for payments
funded from ANZ Australian domiciled accounts. The file format also does not allow users to
specify an Intermediary Bank.
Note: Multibank Payments cannot be created using WIRS formatted files.

4.3.2.

File Naming Convention

Not Applicable.

4.3.3.

WIRS File Layout and Character Set

ANZ WIRS operates on a combination of an MT101 and MT103 message formats.
The file consists of one record - the Detail Record
Each line of incoming data is to terminate with a Carriage Return, Line feed.
Multiple payment instructions can be included in a single WIRS formatted file. Each
payment instruction must be separated by a hyphen “-” followed by a Carriage Return, Line
Feed.
Character Set
The following character set is allowed in a WIRS import file:
 Fields that are marked ‘Alpha’ (Alphanumeric) in the ‘Type’ column are limited to:
o Letters: A-Z, a-z
o Numbers: 0-9
o The following Characters: spaces ( ) , ampersands (&), apostrophes (‘), commas (,) ,
hyphens (-), full stops (.), forward slashes (/), plus sign (+), dollar sign ($),
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 (@)
 Fields that are marked ‘Numeric’ in the ‘Type’ column are limited to:
Numbers: 0-9.

Page 33 of 118

4.3.4.

Detail Record

The following table outlines the Detail Record:
TAG

Field Description

Type

Length

Notes

Optional/
Mandatory

:20:

Transaction Reference
Number

Alpha

16

This reference must be unique per
payment per day.

Mandatory

:32A:

Value Date, Currency
Code, Amount

Numeric

24

This field contains the Value Date
(6 Characters) as YYMMDD,
Currency Code (3 Characters) and
Amount (15 Characters) with
comma separated decimal.

Mandatory

:50:

Ordering Customer

Alpha

4 x 35

Company Identifier as agreed with
ANZ Implementation

Mandatory

:53B:

Sender’s
Correspondent

Alpha/
Numeric

34

Must start with “/” followed by
the BSB and Account Number for
Transaction funding

Optional

:57:

Account With
Institution Country
ISO

Alpha

2



:57A:

Account With
Institution

Alpha

11

Bank code of beneficiary bank.
Can be one of the following:

Where field :57D: specified,
it is
mandatory to
provide the
International
Organization
for
Standardizati
on (ISO)
Country
code.



SWIFT BIC



BSB for RTGS (format
//AUnnnnnn)

OR
: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 4.2.6)

OR

Page 34 of 118

Optional

Mandatory

:57D:

Alpha

5 x 35

Line 1: Bank code of beneficiary
bank.
Can be one of the following:
▪ BSB for RTGS (format
//AUnnnnnn)
▪ 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
Customer

Alpha

5 x 35

Line 1: Account of the payment
Beneficiary preceded by a ‘/’.

Mandatory

Lines 2-5: Name and
address of the payment
beneficiary.
:70:

Details of Payment

Alpha

4 x 35

Four lines of information

Optional

OR
First Line RFB maximum of 16
characters and 3 lines thereafter a
maximum of 35 characters each)
E.g. :70:/RFB/Invoice 123

:71A:

Details of Charges

Alpha

3

Must be ‘SHA’ for RTGS payments.

Optional

Must be ’SHA’ or ‘OUR’ for
International payments.

4.3.5.

Miscellaneous Field Format Specifications

Optional Fields from SWIFT Message Type 101 may be utilised when creating a payment.
The following Table outlines the format of miscellaneous fields:
TAG

Field Description

Type

Length

Optional/ Mandatory

Notes

:21F:

F/X Deal Reference

Alpha

16

Foreign exchange instrument
reference (Deal/Bid/FEC).

Optional

For example:
:21F:123456789

Page 35 of 118

:33B:

Currency
Original/Ordered
Amount

Numeric

15

Used in conjunction with field
:21F: this value is the sell
currency amount with comma
separated decimal

Optional

For example:
:33B:5438,10
:36:

Exchange Rate

Numeric

12

Used in conjunction with field
:21F: this value is the F/X rate
supplied by ANZ with comma
separated decimal

Optional

For example:
:36:0,42

4.3.6.

Account with Institution Country ISO Code

ANZ must be provided a Country ISO code within SWIFT field 57 whenever a “D” format
option is utilised at Field :57:
Conditional field rules:
Field: 57:
Account With Institution Country ISO Code
Definition:
International Standards Association country code for domicile of Beneficiary
Bank.
Format:
2 alpha
Presence:
Mandatory when field: 57D: is present

Non-standard SWIFT field for Bank Country ISO Code:
TAG

Field Description

Type

Length

Notes

Optional/
Mandatory

:57:

Account With
Institution Country
ISO

Alpha

2

Where field :57D: specified, it is
mandatory to provide the
International Organization for
Standardization (ISO) Country
code.

Optional

Page 36 of 118

4.4.

NZ International Payment CSV file format (New Zealand
only)

4.4.1.

Overview

The NZ International Payment CSV File format allows a user to import an International
Payment into ANZ Transactive as one or more Single Payment instructions. ANZ NZ
accounts and ANZ foreign currency accounts located in New Zealand can be used to fund
these payments
Although NZ International Payment CSV files are supported by ANZ Transactive, MT101 files
are the preferred file format for International payments.

4.4.2.

File Naming Convention

Not applicable

4.4.3.

NZ International CSV File Layout and Character Set

The NZ International Payment CSV file format contains one record per transaction and can
contain multiple transactions in a single file.
A valid CSV file must adhere to the following rules:
 All specified fields of type ‘alphanumeric’ must be enclosed in inverted commas (“”). The
Beneficiary Account number / IBAN field must also be enclosed in inverted commas.
 There must be a minimum of 1 record and it is recommended the file does not exceed a
maximum of 1250 records.

Field

Field Description

Type

Length

Notes

Mandatory
/Optional

1

Payment Currency
(Code)

Characters
A..Z a..z

3

Currency in which the international
payment is being made.

Mandatory

2

Payment Amount

Characters
0..9 and
decimal,
maximum 3
digits allowed
after decimal

14 +
decimal

This is the amount in the payment
currency that the beneficiary will
receive. Decimal point is optional.

Mandatory

3

Value Date

Characters
0..9

8

The Payment Date for the
international payment
transaction.
•

Format: DDMMYYYY

•

Must be greater than or
equal to the present date.

Mandatory

4

Beneficiary Bank
Country (Code)

Characters
A..Z a..z

2

Country where the international
payment is being sent.

Mandatory

5

Debit Account
Number

Characters
A..Z a..z 0..9 –

20

The Account Number from which
the international payment is to be
made.

Mandatory

Page 37 of 118

Field

Field Description

Type

Length

Notes

Mandatory
/Optional

6

Your Reference

Characters
A..Z a..z 0..9
() - +

16

The reference that is displayed on
your statement. If this is not
provided, ANZ Transactive will
default this to the first 16
characters of the Beneficiary
Account Name (field 9).

Optional

7

Charges Account
Number

Characters
A..Z a..z 0..9 -

20

This field will be ignored since
charges will be applied to your
nominated billing account.

Optional

8

Beneficiary Account
Number or IBAN

Alphanumeric,
but no spaces
allowed

34

Account number that will receive
the international payment.

Optional

9

Beneficiary Account
Name

Alphanumeric

35

Account Name for the receiving
end of the international payment.

Mandatory

10

Beneficiary Address
1

Alphanumeric

35

First line of the address of the
person / organization to whom the
payment is being sent. The
address must not be a P.O. Box
address.

Mandatory

11

Beneficiary Address
2

Alphanumeric

35

Second line of the address of the
person / organization to whom the
payment is being sent. The
address must not be a P.O. Box
address.

Optional

12

Beneficiary Address
3

Alphanumeric

35

Third line of the address of the
person / organization to whom the
payment is being sent. The
address must not be a P.O. Box
address.

Optional

13

Message to
Beneficiary 1

Alphanumeric

35

First line of any transaction related
details sent to the beneficiary.

Optional

14

Message to
Beneficiary 2

Alphanumeric

35

Second line of any transaction
related details sent to the
beneficiary.

Optional

15

Message to
Beneficiary 3

Alphanumeric

35

Third line of any transaction
related details sent to the
beneficiary.

Optional

16

Message to
Beneficiary 4

Alphanumeric

35

Fourth line of any transaction
related details sent to the
beneficiary.

Optional

17

SWIFT / BIC

Alphanumeric

11

An international standard to
uniquely identify a financial
institution. (also known as BIC Bank Identifier Code).

One of fields
17 or 22
must be
populated

If the SWIFT / BIC is unknown to
ANZ Transactive, this field should
be left blank, and beneficiary bank
details should instead be provided
in fields 18 – 22. (An
unrecognised SWIFT / BIC cannot
be imported by Transactive.)
18

Bank Name

Page 38 of 118

Alphanumeric

35

Name of the bank to which the

Optional

Field

Field Description

Type

Length

Notes

Mandatory
/Optional

international payment is being
sent.
19

Bank Branch

Alphanumeric

35

Name of the bank branch to which
the international payment is being
sent.

Optional

20

Bank Address 1

Alphanumeric

35

First line of the address of the
bank to which the international
payment is being sent.

Optional

21

Bank Address 2

Alphanumeric

35

Second line of the address of the
bank to which the international
payment is being sent.

Optional

22

Sort Code / BSB

Alphanumeric

12

Unique identifier to the particular
office (branch) of a bank which
holds bank accounts.

One of fields
17 or 22
must be
populated

If the SWIFT / BIC (field 17) or
Sort Code / BSB (field 22) are
unknown to ANZ Transactive, field
22 should be used rather than field
17, and as much information as
possible should be provided about
additional details of the beneficiary
bank (fields 18 – 21).
23

Intermediary Bank
BIC or Sort Code

Alphanumeric

12

Bank nominated to receive
payments on behalf of those banks
that cannot have payments sent
directly to them

Optional

24

Overseas Bank
Charges

Alphabets only

3

Who will pay the overseas bank
charges. Possible values are SHA,
OUR, or BEN.

Mandatory

25

Currency
Conversion

Alphabets only

4

Enable users to select currency
conversion options. Possible
values are:

Optional

•

EXCH (value date
exchange rate only)

•

DEAL (existing
deals/cover only)

•

BOTH (deals/cover for
part payment and value
date exchange rate for
the shortfall)

This field will be ignored; if either
field 26 or 28 are present, the
payment is assumed to be a DEAL,
otherwise it is assumed to be
EXCH.
26

Deal Number

Page 39 of 118

Alphanumeric

8

Reference of an agreement that
requires the customer to buy a
certain amount of foreign currency
at an agreed rate and on an
agreed date.

Optional

Field

Field Description

Type

Length

Notes

Mandatory
/Optional

If a deal is entered it needs to be
more than or equal to the amount
of the payment. Deals for amounts
less than the payment cannot be
utilised.

If field 26 is populated, field 28
must also be populated; if only
one of fields 26 or 28 is populated,
the deal cannot be processed
automatically. Deal details must
be entered in fields 26 and 28,
since fields 29 – 34 will always be
ignored.

27

28

29

Credit Amount

Exchange Rate

Deal Numbers

Characters
0..9 and
decimal,
maximum 3
digits allowed
after decimal

14 +
decimal

Characters
0..9 and
decimal.
There must
not be more
than 5 digits
before the
decimal and 4
digits after the
decimal.

9+
decimal

Alphanumeric

8

Amount of payment to be utilized
per deal.

Optional

Not used by ANZ Transactive. For
future use.
The rate at which the foreign
currency was purchased from the
bank, as a part of the deal.

Optional

If field 26 is populated, field 28
must also be populated; if only
one of fields 26 or 28 is populated,
the deal cannot be processed
automatically. Deal details must
be entered in fields 26 and 28,
since fields 29 – 34 will always be
ignored.

Only one deal is allowed to be
used.

Optional

Not used by ANZ Transactive. For
future use.
30

31

Credit Amount

Exchange Rate

Page 40 of 118

Characters
0..9 and
decimal,
maximum 3
digits allowed
after decimal

14 +
decimal

Characters
0..9 and
decimal.
There must
not be more
than 5 digits
before the

9+
decimal

Amount of payment to be utilized
per deal.

Optional

Not used by ANZ Transactive. For
future use.
The rate at which the foreign
currency was purchased from the
bank, as a part of the deal.

Not used by ANZ Transactive. For
future use.

Optional

Field

Field Description

Type

Length

Notes

Mandatory
/Optional

8

Only one deal is allowed to be
used.

Optional

decimal and 4
digits after the
decimal.
32

Deal Numbers

Alphanumeric

Not used by ANZ Transactive. For
future use.
33

34

Credit Amount

Exchange Rate

Page 41 of 118

Characters
0..9 and
decimal,
maximum 3
digits allowed
after decimal

14 +
decimal

Characters
0..9 and
decimal.
There must
not be more
than 5 digits
before the
decimal and 4
digits after the
decimal.

9+
decimal

Amount of payment to be utilized
per deal.

Optional

Not used by ANZ Transactive. For
future use.
The rate at which the foreign
currency was purchased from the
bank, as a part of the deal.

Not used by ANZ Transactive. For
future use.

Optional

4.5.

BPAY File format (Australia only)

4.5.1.

Overview
The file format for importing BPAY payments is the Batch Entry Method (BEM)
format. This format allows a user to submit multiple BPAY payments to one or
more billers in a single file. Only Australian domiciled CAP and CACHE accounts
can be used to fund these payments.

4.5.2.

BPAY File Layout and Character Set

A valid BPAY file consists of the following record types:


A File Header Record



Payment Instruction Record(s)



A File Trailer Record

The following character set is allowed in a BPAY file:




Fields that are marked ‘Alpha’ (Alphanumeric) in the ‘Type’ column are limited to:
o Letters: A-Z, a-z
o Numbers: 0-9
o The following Characters: spaces ( ) , ampersands (&), apostrophes (‘), commas (,) ,
hyphens (-), full stops (.), forward slashes (/), plus sign (+), dollar sign ($),
exclamation mark (!), percentage sign (%), left parenthesis ((), right parenthesis
()), asterisk (*), number sign (#), equal sign (=), colon (:), question mark (?), left
square bracket ([), right square bracket (]), underscore (_), circumflex (^) and the
at symbol (@)
o
‘Optional’ Alphanumeric fields must be filled with spaces if no data exists.
Fields that are marked ‘Numeric’ in the ‘Type’ column are limited to:
o Numbers: 0-9.
o ‘Optional’ Numeric fields must be filled with zeros if no data exists.
o Unless otherwise indicated, numeric fields should be right justified and blank filled

ANZ Transactive requires BPAY Import files to be prepared as 201 byte fixed length records and must
be separated by CRLF (carriage-return/line feed, Hex 0D0A). This must be consistent for the whole
file.

4.5.3.

File Header Record

The File Header Record contains BPAY Payment header details
The following table describes the format of the File Header Record:

Page 42 of 118

Field
Description

Type

Notes

Start
Position

End
Position

Length

Mandatory/
Optional

Record Type

Numeric

A code ‘00’
indicating the
Header record.

1

2

2

Mandatory

Payer
Institution
Code

Alpha Numeric

The Institution Code
that is to receive
the file. For
example ANZ, 114,
C02, etc.

3

5

3

Mandatory

File Creation
Date

Numeric

Format YYYYMMDD.
The local date of file
creation.

6

13

8

Mandatory

File Creation
Time

Numeric

Format HHMMSS.
The local time of file
creation.

14

19

6

Mandatory

File Number

Numeric

The unique file
number for the file
creation date.

20

22

3

Mandatory

Filler

Alpha

Spaces

23

201

179

Mandatory

4.5.4.

Payment Instruction Record

The Payment Instruction Record contains information used to create the BPAY Payment.
The following table describes the format of the Payment Instruction Record:
Field
Description

Type

Notes

Start
Position

End
Position

Length

Mandatory/
Optional

Record Type

Numeric

A code ‘50’
indicating a
Payment Instruction
record.

1

2

2

Mandatory

Payer
Institution
Code

Alphanumeric

The Code
representing the
Payer Institution.
For example ANZ,
114, C02, etc.

3

5

3

Mandatory

Payment
Account Detail

Alphanumeric

The relevant
account number of
the payer (BSB and
account number),
left justified with
trailing spaces.

6

25

20

Mandatory

Country of
Payment

Alpha

The ISO alphabetic
country code in
which the Payer’s
Account resides.
This will be the code
for Australia.

26

28

3

Optional

State of
Payment

Alpha

The alphanumeric
state in which the
Payer’s account
resides, if the
country has state
codes.

29

31

3

Optional

Page 43 of 118

Field
Description

Type

Notes

Start
Position

End
Position

Length

Mandatory/
Optional

Currency Code
of Payment

Alpha

The ISO alphabetic
code denoting the
currency of
Payment. This
should be the code
for Australian
Dollars (AUD).

32

34

3

Mandatory

Biller Code

Numeric

The CIP assigned
number denoting
the Biller.

35

44

10

Mandatory

Service Code

Numeric

Reserved for future
use. Currently zero
filled. e.g.
“0000000”

45

51

7

Mandatory

Customer
Reference
Number

Alphanumeric

The number by
which the Biller
identifies the
account that is
being paid. Left
Justified, filled with
trailing spaces. The
leading non-space
part must be all
numeric.

52

71

20

Mandatory

Amount

Numeric

The amount of the
Payment, 2 digits of
cents implied.

72

83

12

Mandatory

BPAY
Settlement
Date

Numeric

The date is used for
forward dating files,
in YYYYMMDD
format. If left
blank, the date will
default to the
current business
day.

84

91

8

Optional

Payer Name

Alphanumeric

The name of the
Batch Payer.

92

131

40

Optional

Additional
Reference
Code

Alphanumeric

Not required.

132

151

20

Optional

Discretionary
Data

Alphanumeric

Not required.

152

201

50

Optional

Page 44 of 118

4.5.5.

File Trailer Record

The following table describes the format of the File Trailer Record:
Field
Description

Type

Notes

Start
Position

End
Position

Length

Mandatory/
Optional

Record Type

Numeric

A code ‘99’
indicating the
Trailer record.

1

2

2

Mandatory

Payer
Institution
Code

Alphanumeric

Same value as
Header record.

3

5

3

Mandatory

File Creation
Date

Numeric

Same value as
Header record.

6

13

8

Mandatory

File Creation
Time

Numeric

Same value as
Header record.

14

19

6

Mandatory

File Number

Numeric

Same value as
Header record.

20

22

3

Mandatory

Number of
Payments

Numeric

The total number of
Payment
Instructions in the
file.

23

31

9

Mandatory

Amount of
Payments

Numeric

The total amount of
Payment
Instructions in the
file, 2 digits of cents
implied.

32

46

15

Mandatory

Filler

Alpha

Spaces

47

201

155

Mandatory

Page 45 of 118

5.

BTR and Returned Items File Formats

5.1.

Introduction

This section defines the export file formats available through the Reporting product in ANZ
Transactive.

5.2.

BAI File

5.3.

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.

5.3.1.

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 46 of 118

5.3.2.

BAI File Layout

The following table describes the layout of a BAI formatted file
Record
type

Record name

01

File Header

Description/Notes

Mandatory/
Optional

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
financial institution per post date in the file.

Optional

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
and Summary Status

Identifies each account number and reports account
summary and account balance status items.

Optional

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
record size (80 characters) or needs to be divided for
any reason.

Optional

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 47 of 118

5.3.3.

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
sender. The number will be new for each
file with the same file creation date. Used
to identify uniquely those files transmitted
between a sender and a receiver on a given
date.

Mandatory

7

Reserved

Not used by ANZ Transactive

Optional

8

Reserved

Not used by ANZ Transactive

Optional

9

Version Number

Always ‘2’.

Mandatory

10

Delimiters

Always ‘/’.

Mandatory

Page 48 of 118

5.3.4.

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
Identification

Always blank

Optional

3

Original Identification

Originating Bank BIC.

Mandatory

4

Group Status

Always ‘1’.

Mandatory

5

As-of-Date

The post date of items included in this
Group.

Mandatory

YYMMDD
6

As-of-Time

HHmm – set to 0000

Mandatory

7

Reserved

Not Used by ANZ Transactive – Always
blank

Optional

8

As-of-Date Modifier

Always ‘2’.

Optional

9

Delimiters

Always ‘/’.

Mandatory

5.3.5.

03 – 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

Account Number

Account number at originator financial
institution.

Mandatory

The field is alphanumeric and includes
significant leading zeroes.
3

Currency Code

Page 49 of 118

Currency code from the item.

Mandatory

Field

Description

Comments

Mandatory / Optional

4

Type Code

Identifies the type of summary of status data.
Default indicates that no status or summary
data are being reported.

Optional

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
Code.

Optional

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 50 of 118

5.3.6.

16 – 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,
699, etc.)

Mandatory

Refer to Appendix A for full list of BAI codes
3

Amount

Decimal places are implied based on the
Currency Code in the Group Header (02) or
Account Identifier (03) record.

Optional

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

Optional

6

Customer Reference
Number

Alphanumeric field defined by the originator.
Will not contain a comma (,) or slash (/).

Optional

7

Text

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

Optional

8

Delimiters

Always ‘/’.

Mandatory

Page 51 of 118

5.3.7.

88 – Continuation Record

If the data in any type of record exceeds the physical record size (80 characters), or if
dividing the record is desirable for any other reason, an 88 Continuation Record allows the
data to continue in the same format.
A Continuation Record may follow any type of record, including another continuation (88).
The following table describes the format of the Continuation Record:
Field

Description

Comments

Mandatory / Optional

1

Record Code

Always ‘88’

Mandatory

2

(Next Field)

The Record Code field is followed by a continuation of the
preceding record. The format is exactly the same as in
the preceding record.

Optional

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

5.3.8.

Delimiters are the same as for the preceding record. If
the preceding physical record does not end within a text
field, it will end with the delimiter slash (/), even if the
following continuation (88) includes or begins with text.
If the preceding physical record ends within text that is
to be continued, no delimiter will be placed at the end of
that record.

Mandatory

49 – Account Trailer Record

The Account Trailer Record provides account level control totals. There will be a 49 Account
Trailer Record for each 03 record.
All 16 and 88 records between the 03 record and the 49 record refer to the account
identified in the 03 record.
One ‘49 - Account Trailer Record’ will be written for each requested account.
The following table describes the format of the Account Trailer Record:
Field

Description

Comments

Mandatory / Optional

1

Record Code

Always ‘49’

Mandatory

2

Account Control Total

Sum of all Amount fields in the preceding
type 03 records and all type 16 and 88
records associated with that account.

Mandatory

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

Page 52 of 118

Integer. The total number of records in the
account, including the 03 records and all 16
and 88 records, and including this account
trailer 49 record.

Mandatory

Field

Description

Comments

Mandatory / Optional

4

Delimiters

Always ‘/’.

Mandatory

5.3.9.

98 – Group Trailer Record

The Group Trailer Record provides group level control totals. There will be a 98 Group
Trailer Record for each 02 record.
One ‘98 - Group Trailer Record’ will be written for each Bank Code per Post Date.
The following table describes the format of the Group Trailer Record:
Field

Description

Comments

Mandatory / Optional

1

Record Code

Always ‘98’.

Mandatory

2

Group Control Total

Sum of account control totals from the BAI 49
records. This field includes the sign (+ or -) for
the total. If no sign precedes the total, the
default is positive

Mandatory

3

Number of Accounts

Integer. The total number of 03 records in this
group.

Mandatory

4

Number of Records

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

Mandatory

5

Delimiters

Always ‘/’.

Mandatory

5.3.10. 99 – File Trailer Record
The File Trailer Record indicates the end of the logical file.
One ‘99 - File Trailer Record’ will be written per BAI file.
The following table describes the format of the File Trailer Record:
Field

Description

Comments

Mandatory / Optional

1

Record Code

Always ‘99’.

Mandatory

2

File Control Total

Sum of group control totals from the BAI 98 records.
This field includes the sign (+ or -) for the total. If
no sign precedes the total, the default is positive

Mandatory

3

Number of Groups

Integer. The total number of 02 records in this file.

Mandatory

4

Number of Records

Integer. The total number of all records written for
this file, including 02, 03, 16, 88, 49, 98 and this 99
record.

Mandatory

5

Delimiters

Always ‘/’.

Mandatory

Page 53 of 118

5.4.

Statement Files

5.5.

Introduction

The Statement 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.
Two files will be created per export:


Balance file, and



Transaction file.

The files will not contain any header or trailer records. All fields will be enclosed in doublequotes (“) and separated by a comma (,). Each record will end with CRLF (carriagereturn/line feed). Any fields containing null database values will contain double quotes as
placeholders.

If the file is manually generated:


It will contain balance and/or transaction records based in the selection criteria chosen
by the user



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

If the file is system generated:


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



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

5.5.1.

Statement Balance File Format

The following table describes the format of the Statement Balance file.
Field

Description

Alpha /
Numeric

Mandatory / Optional

Max Size

1

Balance Date

Alpha

Mandatory

11

Alpha

Mandatory

20

Format DD-Mmm-YYYY (e.g. 01-Jan-2011)
2

Account Number
BSB and Account Number

Page 54 of 118

Field

Description

Alpha /
Numeric

Mandatory / Optional

Max Size

3

Source of Account:

Alpha

Mandatory

8

Alpha

Mandatory

1

ANZ Australia Retail accounts: HFR
ANZ Australia Corporate/Institutional accounts: CMM
ANZ MIDANZ accounts: ACCOUNTING SYSTEM +
COUNTRY + LEDGER INSTANCE* (e.g.
MDZAUA)
ANZ Australia V2 plus accounts: V2P
ANZ New Zealand Retail/Corporate/Institutional
accounts: NZC
ANZ NZ accounts: SYS
NZ Crossbank accounts (Westpac & Bank of New
Zealand) : XBK
ANZ New Zealand foreign currency accounts: NZM
Other ANZ accounts: INT
Non ANZ accounts: EXT

*The ledger instance represents the ledger instance
number of the accounting system of the account. It
can be alpha-numeric or blank.
4

Account Format
Indicates if there is a BSB present:
‘B’ if account has BSB
‘A’ if not

5

Client defined account name. In 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.

Alpha

Optional

16

6

ISO Currency Code

Alpha

Mandatory

3

Numeric

Mandatory

24

Numeric

Mandatory

24

Numeric

Mandatory

24

Numeric

Mandatory

5

e.g. AUD
7

Opening Balance
Signed, decimal point present

8

Closing Balance
Signed, decimal point present

9

Debit Total
Unsigned, decimal point present

10

Number of Debits

Page 55 of 118

Field

Description

Alpha /
Numeric

Mandatory / Optional

Max Size

11

Credit Total

Numeric

Mandatory

24

Unsigned, decimal point present
12

Number of Credits

Numeric

Mandatory

5

13

Debit Interest Rate

Numeric

Optional

7

Numeric

Optional

7

Numeric

Optional

20

Numeric

Optional

20

Numeric

Optional

20

Numeric

Optional

20

Numeric

Optional

20

Alpha

Optional

11

Always to 4 decimal places
14

Credit Interest Rate
Always to 4 decimal places

15

Overdraft Limit
Unsigned, decimal point present

16

Debit Interest Accrued
Unsigned, decimal point present

17

Credit Interest Accrued
Unsigned, decimal point present

18

CR Duty
Always ‘0’

19

Dr Tax Accrued
Not used – Always ‘0’

20

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

5.5.2.

Statement Transaction File Format

The following table describes the format of the Statement Transaction file.
Field

Description

Alpha /
Numeric

Mandatory / Optional

Max Size

1

Transaction Date

Alpha

Mandatory

11

Alpha

Mandatory

20

Format DD-Mmm-YYYY (e.g. 01-Jan-2011)
2

Account Number
BSB and Account Number

Page 56 of 118

Field

Description

Alpha /
Numeric

Mandatory / Optional

Max Size

3

Source of Account:

Alpha

Mandatory

8

Alpha

Mandatory

1

ANZ Australia Retail accounts: HFR
ANZ Australia Corporate/Institutional accounts: CMM
ANZ MIDANZ accounts: ACCOUNTING SYSTEM +
COUNTRY + LEDGER INSTANCE* (e.g.
MDZAUA)
ANZ Australia V2 plus accounts: V2P
ANZ New Zealand Retail/Corporate/Institutional
accounts: NZC
ANZ NZ accounts: SYS
NZ Crossbank accounts (Westpac & Bank of New
Zealand) : XBK
ANZ New Zealand foreign currency accounts: NZM
Other ANZ accounts: INT
Non ANZ accounts: EXT

*The ledger instance represents the ledger instance
number of the accounting system of the account. It
can be alpha-numeric or blank.
4

Account Format
Indicates if there is a BSB present in account number
in field 2:
‘B’ if account has BSB
‘A’ if not

5

Client defined account name. In 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.

Alpha

Optional

16

6

ISO Currency Code

Alpha

Mandatory

3

Alpha

Optional

16

Alpha

Mandatory

10

Alpha

Optional

18

E.g. AUD
7

Sub Account Name
Not used – Always NULL

8

Short Description of transaction
E.g. Cheque, Payment, Transfer etc.
Refer to Appendix A for full list

9

Reference
E.g. Cheque Number, Invoice Number etc.

Page 57 of 118

Field

Description

Alpha /
Numeric

Mandatory / Optional

Max Size

10

Transaction Amount

Numeric

Mandatory

22

Alpha

Optional

160

Alpha

Mandatory

11

Alpha

Mandatory

20

Alpha

Mandatory

3

Alpha

Optional

10

Signed, decimal point present
11

Narrative
160 character narrative.
If no narrative is available this will be set to literal “”

12

Value Date
Format DD-Mmm-YYYY. (e.g. 01-Jan-2011)
Can be different to transaction date if backdated

13

Trace ID
ANZ Internal trace line
If no Trace ID is available this will be set to literal “”

14

Tran Code
3-digit transaction code. See Appendix A for list of
transaction codes
If no transaction code is available this will be set to
literal “”

15

Aux Dom
This carries additional information about the
transaction. See Appendix A for full list of Aux Doms
If no Aux Dom is available this will be set to literal “”

Page 58 of 118

5.6.

SAP/Multi-cash Files

5.7.

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.
Two files will be created per export:


Balance file



Transaction file

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).
If the file is manually generated:


It will contain balance and/or transaction records based on the selection criteria chosen
by the user



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

If the file is system generated:


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



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

Page 59 of 118

5.7.1.

SAP/Multi-cash Balance File Format

The following table describes the format of the Sap/Multi-cash Balance file.
Field

Description

Alpha /
Numeric

Mandatory /
Optional

Max
Size

1

For AU Retail, Corporate/Institutional and V2 Plus accounts,
this will be the BSB of the account.

Alpha

Mandatory

12

Numeric/Alpha

Mandatory

24

Numeric

Mandatory

5

Alpha/Numeric

Mandatory

8

Alpha

Mandatory

3

Numeric

Mandatory

18

Numeric

Mandatory

18

Numeric

Mandatory

18

BSBs will contain a hyphen (-) after the 3rd character. Format
(NNN-NNN)
For NZ Retail, Corporate/Institutional Accounts, the bank code
is the Bank Branch (BB), which are the first 6 digits of the
account number with a hyphen (-) after the 3rd character.
Format (NNN-NNN)
Other account types are as follows:
ANZ MIDANZ accounts
COUNTRY + ACCOUNTING SYSTEM + LEDGER
INSTANCE* (E.g. AUMDZA)
NZ Crossbank accounts
Westpac: NZWPAC
Bank of New Zealand: NZBKNZ
ANZ New Zealand foreign currency accounts: NZNZM
For Other ANZ Accounts or Non-ANZ accounts please contact
your ANZ representative
*The ledger instance represents the ledger instance number of
the accounting system of the account. It can be alpha-numeric
or blank.
2

Account number
Note: For NZ Domestic Account Numbers, system will display
account number less the first 6 digits which refer to the Bank
Branch number.

3

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

4

Statement Date
Date transactions were posted to the account.
DD.MM.YY format (e.g. 01.01.11)

5

ISO Currency Code
E.g. AUD for Australian Dollar Accounts

6

Beginning Balance
Signed, Opening Balance of this file. Decimal point present

7

Sum of Debits
Unsigned, total value of debits in this file. Decimal point
present

8

Sum of Credits
Unsigned, Total value of credits in this file. Decimal point
present

Page 60 of 118

Field

9

Description

Alpha /
Numeric

Mandatory /
Optional

Max
Size

Balance bought forward

Numeric

Mandatory

18

Alpha

Mandatory

16

Signed, closing balance of this file. Decimal point present
10

Account Name
Client defined account name. In Transactive the Client defined
account name is the Client Account Name in Transactive. By
default the Client Account Name in Transactive is the Legal
Account Name.

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 61 of 118

5.7.2.

SAP/Multi-cash Transaction File Format

The following table describes the format of the SAP/Multi-cash Transaction file.
Field

1

Description

Alpha /
Numeric

Mandatory /
Optional

Max
Size

For AU Retail, Corporate/Institutional and V2 Plus accounts,
this will be the BSB of the account.

Alpha/Numeric

Mandatory

12

Alpha/Numeric

Mandatory

24

Numeric

Optional

5

Alpha/Numeric

Mandatory

8

Not used by ANZ Transactive – Always NULL

Alpha

Optional

10

Note to Payee 1

Alpha

Optional

27

BSBs will contain a hyphen (-) after the 3rd character. Format
(NNN-NNN)
For NZ Retail, Corporate/Institutional Accounts, the bank code
is the Bank Branch (BB), which are the first 6 digits of the
account number with a hyphen (-) after the 3rd character.
Format (NNN-NNN)
Other account types are as follows:
ANZ MIDANZ accounts
COUNTRY + ACCOUNTING SYSTEM + LEDGER
INSTANCE* (E.g. AUMDZA)
NZ Crossbank accounts
Westpac: NZWPAC
Bank of New Zealand: NZBKNZ
ANZ New Zealand foreign currency accounts: NZNZM
For Other ANZ Accounts or Non-ANZ accounts please contact
your ANZ representative
*The ledger instance represents the ledger instance number of
the accounting system of the account. It can be alpha-numeric
or blank.
2

Account number
Note: For NZ Domestic Account Numbers, system will display
account number less the first 6 digits which refer to the Bank
Branch number.

3

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

4

Statement Date
Date transactions were posted to the account. Format
DD.MM.YY (e.g. 01.01.11)

5
6

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

11

Transaction Amount

Alpha/Numeric

Mandatory

18

Alpha

Optional

5

Signed, decimal point present
12

Not used by ANZ Transactive – Always NULL

Page 62 of 118

Field

13

Description

Alpha /
Numeric

Mandatory /
Optional

Max
Size

Sequence Number

Numeric

Mandatory

1

Alpha/Numeric

Mandatory

8

Always ‘0’
14

Booking date
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

Note to Payee 2

Alpha

Optional

27

Alpha

Optional

27

Alpha

Optional

27

Alpha

Optional

27

Alpha

Optional

27

Alpha

Optional

27

Alpha

Optional

27

Alpha

Optional

27

Alpha

Optional

27

Alpha

Optional

27

Alpha

Optional

27

Alpha

Optional

27

Alpha

Optional

27

17

18 character reference
18

Note to Payee 3
st

1 27 characters of the Long Statement Narrative
19

Note to Payee 4
2nd 27 characters of the Long Statement Narrative

20

Note to Payee 5
3rd 27 characters of the Long Statement Narrative

21

Note to Payee 6
4th 27 characters of the Long Statement Narrative

22

Note to Payee 7
5th 27 characters of the Long Statement Narrative

23

Note to Payee 8
6th 27 characters of the Long Statement Narrative

24

Note to Payee 9
Not used by ANZ Transactive – Always NULL

25

Note to Payee 10
Not used by ANZ Transactive – Always NULL

26

Note to Payee 11
Not used by ANZ Transactive – Always NULL

27

Note to Payee 12
Not used by ANZ Transactive – Always NULL

28

Note to Payee 13
10 character Aux Dom.

29

Note to Payee 14
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

Contains Transaction codes for all accounts

Numeric

Optional

3

Alpha

Optional

3

See Appendix A for full list of transaction codes
Note: In some cases Transaction codes can be NULL.
35

For legacy purposes this field will contain the Transaction codes
for:
ANZ MIDANZ accounts
ANZ New Zealand foreign currency accounts
Other ANZ Accounts
Non-ANZ accounts
NULL for other account types
See Appendix A for full list of transaction codes

Page 63 of 118

Page 64 of 118

5.8.

Returned Item Files (Australia only)

5.9.

Introduction

The Returned Item File export consists of 3 separate files:
 Returned Cheques deposited to accounts that have not been paid by the Drawer's
bank.
 Returned Direct Payments — Debits that have been initiated electronically to draw
funds from your clients, and which could not be effected by the receiving bank.
 Returned Direct Payments — Credits that have been initiated electronically to send
funds to your Payees, and which could not be effected by the receiving bank.
If the file is manually generated:


It will contain transaction records based on the selection criteria chosen by the user



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

If the file is system generated:


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



No file will be created if no transaction records are available.

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 BAI, CSV and
SAP/Multicash file formats for customers with returned items and are not a BULK user.

5.9.1.

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 65 of 118

5.9.2.

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
Identifier

Description/Notes

Alpha / Numeric

Mandatory /
Optional

Size

Position

Header

Numeric

Mandatory

1

1

Alpha

Mandatory

30

2–31

Alpha

Mandatory

12

32–43

Mandatory

4

44–47

Always ‘1’
Description

Description of items
Always ‘Returned Items’
Left-justified, blank-filled

Item Type

Always ‘Direct Entry’

Version

Date

Version No. of file format

Numeric

Always ‘0001’

‘0001’

Right-justified, zero-filled.

Right-justified,
zero-filled.

Date returned item(s) processed

Alpha / Numeric

Mandatory

10

48–57

Alpha

Mandatory

257

58–314

DD-MM-YYYY format. (e.g.0101-2011)
Reserved

5.9.3.

Blank Filled

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 /
Numeric

Identifier

Item Type identifier

Numeric

Mandatory /
Optional

Size

Position

Mandatory

1

1

Numeric

Mandatory

10

2–11

Alpha /
Numeric

Mandatory

16

12–27

‘2’ = Returned Credit
‘3’ = Returned Debit
Return Date

Date item was returned by Account
Holder’s Financial Institution
DD-MM-YYYY format. (01-01-2011)

Account Name

Client-defined name of account to
which Returned Items are directed.
Left-justified, blank-filled

BSB Number

Bank/State/Branch No. of account to
which Returned Items are directed

Numeric

Mandatory

6

28–33

Account Number

Account No. of account to which
Returned Items are directed

Alpha /
Numeric

Mandatory

21

34–54

Alpha

Mandatory

14

55–68

Right-justified, blank-filled
Reserved

Page 66 of 118

Blank-filled

Field

Lodgement Date

Description/Notes

Alpha /
Numeric

Date the item was initially submitted

Numeric

Mandatory /
Optional

Size

Position

Optional

10

69–78

Alpha /
Numeric

Mandatory

18

79–96

Alpha /
Numeric

Mandatory

16

97–112

Alpha /
Numeric

Mandatory

32

113–144

DD-MM-YYYY format. (01-01-2011)
Lodgement
Reference

Lodgement Reference Field data as
initially submitted
Right-justified, blank-filled

Remitter

Name of Remitter Field data as
initially submitted
Left-justified, blank-filled

Target Account
Name

Account Name as initially submitted

Target Account
BSB

BSB of returned transaction as initially
submitted

Numeric

Mandatory

6

145–150

Target Account
Number

Account No. of returned transaction as
initially submitted

Alpha/Numeric

Mandatory

21

151–171

Numeric,
unsigned

Mandatory

14

172–185

Left-justified, blank-filled

Right-justified, blank-filled
Amount

Amount of item with decimal point
Right-justified, zero-filled

Return Reason
Text

Reason for the returned item

Alpha /
Numeric

Mandatory

60

186–245

Return Reason
Code

Code to identify the reason for the
return

Alpha or
Numeric

Mandatory

3

246–248

Numeric

Mandatory

6

249–254

Refer to 5.9.8 for full list of return
reason codes
User
Identification
Number

User Identification Number under
which returned item was lodged

Reserved

Blank filled

Alpha

Mandatory

6

255–260

Reserved

Blank filled

Alpha

Mandatory

21

261–281

Transaction
Identifier

System Identification No. allocated to
returned item

Alpha/Numeric

Mandatory

12

282–293

Alpha

Mandatory

21

294–314

Right-justified, zero-filled

Zero-filled
Reserved

5.9.4.

Blank-space filled

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 /
Numeric

Mandatory /
Optional

Size

Position

Identifier

Totals

Numeric

Mandatory

1

1

Numeric

Mandatory

9

2–10

Always ‘9’
Item
count

Sum of Detail Records
Right-justified, zero-filled

Page 67 of 118

Value
Total

Sum of value of Detail Records with
decimal point

Numeric

Mandatory

16

11–26

Alpha

Mandatory

288

27–314

Right-justified, zero-filled
Reserved

5.9.5.

Blank-space filled

Header Record – Returned Cheques

The following table describes the format of the Header Record for returned cheques
Field

Description/Notes

Alpha / Numeric

Identifier

Header

Numeric

Mandatory /
Optional

Size

Position

Mandatory

1

1

Optional

30

2–31

Optional

12

32–43

Always ‘1’
Description

Item Type

Version

Description of items

Alpha

Always ‘Returned Items’

Left-justified, blankfilled

Always ‘CHEQUE’
Left-justified, blank-filled

Alpha

Version no. of file format

Numeric

Mandatory

4

44–47

Numeric

Mandatory

10

48–57

Mandatory

257

58–314

Always ‘0001’
Right-justified, zero-filled
Date

Date returned item processed
DD-MM-YYYY format. (e.g. 01-012011)

Reserved

Blank-space filled

Page 68 of 118

Alpha

5.9.6.

Detail Record – Returned Cheques

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

Identifier

Description/Notes

Alpha / Numeric

Mandatory /
Optional

Size

Position

Item Type identifier

Numeric

Mandatory

1

1

Numeric

Mandatory

10

2–11

Alpha / Numeric

Mandatory

16

12–27

Always ‘4’ (Cheque)
Return Date

Date item was returned by
Drawer’s financial institution
DD-MM-YYYY format. (e.g. 0101-2011)

Deposit
Account Short
Name

Name of account to which
returned cheques were
deposited.
Left-justified, blank-filled

Deposit BSB
Number

BSB No. of account to which
returned cheque were deposited

Numeric

Mandatory

6

28–33

Deposit
Account
Number

Account no. of account to which
returned cheques was deposited

Alpha / Numeric

Mandatory

21

34–54

Deposit Amount

Total amount of deposit with
decimal point

Numeric, unsigned

Mandatory

14

55–68

Right-justified, zero-filled

Right-justified, zerofilled

Agent no. specified on deposit
[if present]

Numeric

Optional

13

69–81

Numeric

Mandatory

10

82–91

Mandatory

9

92–100

Deposit Serial
No.

Right-justified, blank-filled

Decimal point

Right-justified, blank-filled
Deposit Date

Cheque number

Date the item was initially
deposited.

Cheque serial no

DD-MM-YYYY format.
Hyphens are a fixed
component
Numeric
Right-justified, zerofilled

Reserved

Blank filled

Alpha

Mandatory

11

101–111

Drawer Account
name

Account name linked to
returning cheque

Alpha / Numeric

Mandatory

60

112–171

Left-justified, blank-filled
Drawer Account
BSB

BSB of returned cheque

Numeric

Mandatory

6

172–177

Drawer Account
number

Account number of the returned
cheque

Alpha/numeric

Mandatory

21

178–198

Numeric,

Mandatory

14

199–212

Alpha / Numeric

Mandatory

60

213–272

Alpha or Numeric

Mandatory

3

273–275

Right-justified, blank-filled
Amount

Amount of cheque with decimal
point
Right-justified, zero-filled,
unsigned

Return Reason
Text

Reason for the returned item

Return Reason
Code

Code to identify the reason for
the return

Left-justified, blank-filled

Refer to 5.9.9 for full list of
return reason codes

Page 69 of 118

Field

Description/Notes

Alpha / Numeric

Mandatory /
Optional

Size

Position

Reversal
Account BSB

BSB of account to which the
returned cheque value was
placed

Numeric

Mandatory

6

276–281

Reversal
Account
Number

Account no. of account to which
returned cheque value was
placed

Alpha/Numeric

Mandatory

21

282–302

Mandatory

12

303–314

Right-justified, blank-filled
Transaction ID
Number

System identification number
allocated to returned cheque

Alpha/Numeric

Right-justified, blank-filled

5.9.7.

Trailer Record – Returned Cheques

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

Description/Notes

Alpha /
Numeric

Identifier

Always ‘9’

Numeric

Item
count

Sum of Detail Records

Value
Total

Sum of value of Detail Records with
decimal point

Mandatory /
Optional

Size

Position

Mandatory

1

1

Numeric

Mandatory

9

2–10

Numeric

Mandatory

16

11–26

Alpha

Mandatory

288

27–314

Right-justified, zero-filled

Right-justified, zero-filled
Reserved

5.9.8.

Blank-space filled

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

Page 70 of 118

5.9.9.

Return Reason Codes – Returned Cheques

Each Returned Cheque will contain a three digit code identifying the reason for the return.
Codes and their related narrative are as follows:
Return Code

Return Reason

914

Account Closed

915

Account transferred

916

Alteration requires Drawer’s initials

917

Alteration requires Drawer’s signature

918

Another signature mandatory

919

Arrangements incomplete

920

Drawer deceased

923

Drawer’s signature mandatory

924

Effects not clear

926

Item not yet to hand

927

Mutilated

928

Not signed in accordance with authority held

929

Payment stopped

930

Payment stopped—awaiting confirmation

931

Post-dated

932

Refer to Drawer [Insufficient funds]

933

Refer to Drawer [Legal requirement]

936

Signature unknown

937

Signature unlike specimen held

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

Page 71 of 118

Return Code

Return Reason

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

5.10.

NZ Statement Files (New Zealand Domestic Accounts only)

5.11.

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

Page 72 of 118



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.

5.11.1.

NZ Statement File(s) – Balance File

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

Description/Notes

Page 73 of 118

Alpha /
Numeric

Mandatory /
Optional

Max
Length

Field

Description/Notes

Alpha /
Numeric

Mandatory /
Optional

Max
Length

Corporate ID

CMS ID (Account Group identifier
for Bank Use Only)

Numeric

Mandatory

6

Alphanumeric

Mandatory

25

Numeric

Mandatory

13

Numeric

Optional

13

Numeric

Optional

13

Numeric

Mandatory

13

Alphanumeric

Mandatory

10

Alphanumeric

Mandatory

20

If account number begins with 06,
populate with 666666 else,
populate with 111111.
Account
Number

Identifies the account.
If account is 20 digits, export in
format “BB-BBBB-AAAAAAAAAASSSS” (with quotes).
Otherwise, export in format “BBBBBB-AAAAAAA-SS” (with quotes)

Opening
Balance

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

Total Debit
Transactions

The total amount of all the debit
transactions on the account
Preceded by sign (- ) + 9 numeric
+ Decimal Point + 2 Decimal
Places

Total Credit
Transactions

The total amount of all the credit
transactions on the account
9 numeric + Decimal Point + 2
Decimal Places

Closing Balance

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

Transaction
Date

Date transaction occurred

Short Name

The client account name. In
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)

In format DD/MM/YYYY (with
quotes)

Page 74 of 118

5.11.2. NZ Statement File(s) – Transaction File
One transaction record will be created for each transaction associated with each account,
within each date.

5.11.3. Type 3 (Transaction Record)
Field

Description/Notes

Alpha /
Numeric

Mandatory /
Optional

Max
Length

Record Type

Identifies the record type

Numeric

Mandatory

1

Numeric

Mandatory

6

Alphanumeric

Mandatory

25

Populate with 3
Corporate ID

CMS ID (Account Group identifier
for Bank Use Only)
If account number begins with 06,
populate with 666666 else,
populate with 111111.

Account
Number

Identifies the account.
If account is 20 digits, export in
format “BB-BBBB-AAAAAAAAAASSSS” (with quotes).
Otherwise, export in format “BBBBBB-AAAAAAA-SS” (with quotes)

Transaction
Amount

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

Numeric

Mandatory

13

Serial Number

Serial Number

Numeric

Optional

12

Transaction
Code

The Code given to the transaction
as identification

Numeric

Mandatory

3

Alphanumeric

Optional

2

e.g. 000 = debit
Source Code

The Type of transaction
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

Name of the Other Party to the
transaction (with quotes)

Alphanumeric

Optional

20

Transaction
Date

Date transaction occurred.

Alphanumeric

Mandatory

10

Null

Empty Field

N/A

Mandatory

0

Null

Empty Field

N/A

Mandatory

0

In format DD/MM/YYYY (with
quotes)

Page 75 of 118

5.11.4. Type 5 (Opening Balance Record)
There is one opening balance record for each account within each date.
Field

Description/Notes

Alpha /
Numeric

Mandatory /
Optional

Max
Length

Record Type

Identifies the record type

Numeric

Mandatory

1

Numeric

Mandatory

6

Alphanumeric

Mandatory

25

Numeric

Mandatory

13

Populate with 5
Corporate ID

CMS ID (Account Group identifier
for Bank Use Only)
If account number begins with 06,
populate with 666666 else,
populate with 111111.

Account
Number

Identifies the account.
If account is 20 digits, export in
format “BB-BBBB-AAAAAAAAAASSSS” (with quotes).
Otherwise, export in format “BBBBBB-AAAAAAA-SS” (with quotes)

Opening
Balance

Opening Balance amount for the
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
BALANCE” (with quotes)

Alphanumeric

Mandatory

17

Null

Empty Field (with quotes)

N/A

Mandatory

0

Null

Empty Field (with quotes)

N/A

Mandatory

0

Short Name

The client account name. In
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)

Alphanumeric

Mandatory

20

Transaction
Date

Date transaction occurred.

Alphanumeric

Mandatory

10

Null

Empty Field

N/A

Mandatory

0

Null

Empty Field

N/A

Mandatory

0

Null

Empty Field

N/A

Mandatory

0

In format DD/MM/YYYY (with
quotes)

Page 76 of 118

5.11.5. Type 6 (Closing Balance Record)
There is one closing balance record for each account within each date.
Field

Description/Notes

Alpha /
Numeric

Mandatory /
Optional

Max
Length

Record Type

Identifies the record type

Numeric

Mandatory

1

Numeric

Mandatory

6

Alphanumeric

Mandatory

25

Numeric

Mandatory

13

Populate with 6
Corporate ID

CMS ID (Account Group identifier
for Bank Use Only)
If account number begins with 06,
populate with 666666 else,
populate with 111111.

Account
Number

Identifies the account.
If account is 20 digits, export in
format “BB-BBBB-AAAAAAAAAASSSS” (with quotes).
Otherwise, export in format “BBBBBB-AAAAAAA-SS” (with quotes)

Closing Balance

Closing Balance amount for the
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

Statement Details

Alphanumeric

Mandatory

17

Particulars

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
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)

Alphanumeric

Mandatory

20

Transaction
Date

Date transaction occurred.

Alphanumeric

Mandatory

10

Null

Empty Field

N/A

Mandatory

0

Null

Empty Field

N/A

Mandatory

0

Null

Empty Field

N/A

Mandatory

0

In format DD/MM/YYYY (with
quotes)

Page 77 of 118

5.11.6. 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 /
Numeric

Mandatory /
Optional

Max
Length

Record Type

Identifies the record type

Numeric

Mandatory

1

Numeric

Mandatory

6

Alphanumeric

Mandatory

25

Populate with 8.
Corporate ID

CMS ID (Account Group identifier
for Bank Use Only)
If account number begins with 06,
populate with 666666 else,
populate with 111111.

Account
Number

Identifies the account.
If account is 20 digits, export in
format “BB-BBBB-AAAAAAAAAASSSS” (with quotes).
Otherwise, export in format “BBBBBB-AAAAAAA-SS” (with quotes)

Total Amount of
Transactions for
the account

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

Numeric

Mandatory

13

Number of
transactions

The total number of (Cr and Dr)
transactions for the account and
date.

Numeric

Mandatory

6

Transaction
Code

The Code given to the transaction
as identification.

Numeric

Mandatory

3

Alphanumeric

Mandatory

17

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

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

Date transaction occurred.

Alphanumeric

Mandatory

10

Null

Empty Field

N/A

Mandatory

0

Null

Empty Field

N/A

Mandatory

0

Null

Empty Field

N/A

Mandatory

0

In format DD/MM/YYYY (with
quotes)

Page 78 of 118

5.11.7. 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 /
Numeric

Mandatory /
Optional

Max
Length

Record Type

Identifies the record type

Numeric

Mandatory

1

Numeric

Mandatory

6

Alphanumeric

Mandatory

25

Populate with 9
Corporate ID

CMS ID (Account Group identifier
for Bank Use Only)
Populate with 999999

Account
Number

In format BB-BBBB-AAAAAAA-SS

Total Amount of
Transactions for
All Accounts for
the date

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

Numeric

Mandatory

13

Number of
transactions

Total number of (Cr or Dr)
transactions for all accounts for
the date.

Numeric

Mandatory

6

Transaction
Code

The Code given to the transaction
as identification.

Numeric

Mandatory

3

Alphanumeric

Mandatory

17

Populate with “99-9999-999999999” (with quotes)

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

Statement Details
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

Date transactions occurred.

Alphanumeric

Mandatory

10

Null

Empty Field

N/A

Mandatory

0

In format DD/MM/YYYY (with
quotes)

Page 79 of 118

6.

Appendices

6.1.

Appendix A – BAI/Transaction Codes

The following tables provide a sample of transaction identifying codes within BAI, CSV and
SAP/Multicash formats.

6.1.1.

BAI Status and Summary Level Items

BAI Code

BAI Type

BAI Level

Description

10

NA

STATUS

OPENING LEDGER

11

NA

STATUS

AVERAGE OPENING LEDGER MTD

12

NA

STATUS

AVERAGE OPENING LEDGER YTD

15

NA

STATUS

CLOSING LEDGER

20

NA

STATUS

AVERAGE CLOSING LEDGER MTD

21

NA

STATUS

AVERAGE CLOSING LEDGER - PREVIOUS MONTH

22

NA

STATUS

AGGREGATE BALANCE ADJUSTMENTS

24

NA

STATUS

AVERAGE CLOSING LEDGER YTD - PREVIOUS MONTH

25

NA

STATUS

AVERAGE CLOSING LEDGER YTD

30

NA

STATUS

CURRENT LEDGER

37

NA

STATUS

ACH NET POSITION

39

NA

STATUS

OPENING AVAILABLE + TOTAL SAME-DAY ACH DTC DEPOSIT

40

NA

STATUS

OPENING AVAILABLE

41

NA

STATUS

AVERAGE OPENING AVAILABLE MTD

42

NA

STATUS

AVERAGE OPENING AVAILABLE YTD

43

NA

STATUS

AVERAGE AVAILABLE - PREVIOUS MONTH

44

NA

STATUS

DISBURSING OPENING AVAILABLE BALANCE

45

NA

STATUS

CLOSING AVAILABLE

50

NA

STATUS

AVERAGE CLOSING AVAILABLE MTD

51

NA

STATUS

AVERAGE CLOSING AVAILABLE - LAST MONTH

54

NA

STATUS

AVERAGE CLOSING AVAILABLE YTD - LAST MONTH

55

NA

STATUS

AVERAGE CLOSING AVAILABLE YTD

56

NA

STATUS

LOAN BALANCE

57

NA

STATUS

TOTAL INVESTMENT POSITION

59

NA

STATUS

CURRENT AVAILABLE (CRS SUPPRESSED)

60

NA

STATUS

CURRENT AVAILABLE

61

NA

STATUS

AVERAGE CURRENT AVAILABLE MTD

62

NA

STATUS

AVERAGE CURRENT AVAILABLE YTD

63

NA

STATUS

TOTAL FLOAT

65

NA

STATUS

TARGET BALANCE

66

NA

STATUS

ADJUSTED BALANCE

67

NA

STATUS

ADJUSTED BALANCE MTD

68

NA

STATUS

ADJUSTED BALANCE YTD

70

NA

STATUS

0-DAY FLOAT

72

NA

STATUS

1-DAY FLOAT

Page 80 of 118

BAI Code

BAI Type

BAI Level

Description

73

NA

STATUS

FLOAT ADJUSTMENT

74

NA

STATUS

2 OR MORE DAYS FLOAT

75

NA

STATUS

3 OR MORE DAYS FLOAT

76

NA

STATUS

ADJUSTMENT TO BALANCE

77

NA

STATUS

AVERAGE ADJUSTMENT TO BALANCE MTD

78

NA

STATUS

AVERAGE ADJUSTMENT TO BALANCE YTD

79

NA

STATUS

4-DAY FLOAT

80

NA

STATUS

5-DAY FLOAT

81

NA

STATUS

6-DAY FLOAT

82

NA

STATUS

AVERAGE 1-DAY FLOAT MTD

83

NA

STATUS

AVERAGE 1-DAY FLOAT YTD

84

NA

STATUS

AVERAGE 2-DAY FLOAT MTD

85

NA

STATUS

AVERAGE 2-DAY FLOAT YTD

86

NA

STATUS

TRANSFER CALCULATION

87

NA

STATUS

TARGET BALANCE DEFICIENCY

88

NA

STATUS

TOTAL FUNDING REQUIREMENT

101

CR

STATUS

TOTAL CREDIT AMOUNT MTD

701

NA

STATUS

PRINCIPAL LOAN BALANCE

703

NA

STATUS

AVAILABLE COMMITMENT AMOUNT

705

NA

STATUS

PAYMENT AMOUNT DUE

707

NA

STATUS

PRINCIPAL AMOUNT PAST DUE

709

NA

STATUS

INTEREST AMOUNT PAST DUE

900

NA

STATUS

ACCRUED (UNPOSTED) CREDIT INTEREST

901

NA

STATUS

ACCRUED (UNPOSTED) DEBIT INTEREST

902

NA

STATUS

OVERDRAFT LIMIT

904

NA

STATUS

CREDIT INTEREST RATE

905

NA

STATUS

DEBIT INTEREST RATE

906

NA

STATUS

DOMESTIC EQUIVALENT

907

NA

STATUS

RESTRAINED (AMOUNT HOLD)

100

CR

SUMMARY

TOTAL NUMBER OF CREDIT TRANSACTIONS

105

CR

SUMMARY

CREDITS NOT DETAILED

106

CR

SUMMARY

DEPOSITS SUBJECT TO FLOAT

107

CR

SUMMARY

TOTAL ADJUSTMENT CREDITS YTD

109

CR

SUMMARY

CURRENT DAY TOTAL LOCKBOX DEPOSITS

110

CR

SUMMARY

TOTAL LOCKBOX DEPOSITS

120

CR

SUMMARY

EDI TRANSACTION CREDITS

130

CR

SUMMARY

TOTAL CONCENTRATION CREDITS

131

CR

SUMMARY

TOTAL DTC CREDITS

140

CR

SUMMARY

TOTAL ACH CREDITS

146

CR

SUMMARY

TOTAL BANK CARD DEPOSIT

150

CR

SUMMARY

TOTAL PREAUTHORISED PAYMENT CREDITS

160

CR

SUMMARY

TOTAL ACH DISBURSING FUNDING CREDIT

Page 81 of 118

BAI Code

BAI Type

BAI Level

Description

162

CR

SUMMARY

CORPORATE TRADE PAYMENT SETTLEMENT

163

CR

SUMMARY

CORPORATE TRADE PAYMENT CREDITS

167

CR

SUMMARY

ACH SETTLEMENT CREDITS

170

CR

SUMMARY

TOTAL OTHER CHEQUE DEPOSITS

178

CR

SUMMARY

LIST POST CREDITS

180

CR

SUMMARY

TOTAL LOAN PROCEEDS

182

CR

SUMMARY

TOTAL BANK- PREPARED DEPOSITS

185

CR

SUMMARY

TOTAL MISCELLANEOUS DEPOSITS

186

CR

SUMMARY

TOTAL CASH LETTER CREDITS

188

CR

SUMMARY

TOTAL CASH LETTER ADJUSTMENTS

190

CR

SUMMARY

TOTAL INCOMING MONEY TRANSFERS

200

CR

SUMMARY

TOTAL AUTOMATIC TRANSFER CREDITS

205

CR

SUMMARY

TOTAL BOOK TRANFER CREDITS

207

CR

SUMMARY

TOTAL INTERNATIONAL MONEY TRANSFER CREDITS

210

CR

SUMMARY

TOTAL INTERNATIONAL CREDITS

215

CR

SUMMARY

TOTAL LETTERS OF CREDIT

230

CR

SUMMARY

TOTAL SECURITY CREDITS

231

CR

SUMMARY

TOTAL COLLECTION CREDITS

239

CR

SUMMARY

TOTAL BANKERS' ACCEPTANCE CREDITS

245

CR

SUMMARY

MONTHLY DIVIDENDS

250

CR

SUMMARY

TOTAL CHEQUES POSTED AND RETURNED

251

CR

SUMMARY

TOTAL DEBIT REVERSALS

256

CR

SUMMARY

TOTAL ACH RETURN ITEMS

260

CR

SUMMARY

TOTAL REJECTED CREDITS

270

CR

SUMMARY

TOTAL ZBA CREDITS

271

CR

SUMMARY

NET ZERO-BALANCE AMOUNT

280

CR

SUMMARY

TOTAL CONTROLLED DISBURSING CREDITS

285

CR

SUMMARY

TOTAL DTC DISBURSING CREDITS

294

CR

SUMMARY

TOTAL ATM CREDITS

302

CR

SUMMARY

CORRESPONDENT BANK DEPOSIT

303

CR

SUMMARY

TOTAL WIRE TRANSFERS IN - FF

304

CR

SUMMARY

TOTAL WIRE TRANSFERS IN - CHF

305

CR

SUMMARY

TOTAL FED FUNDS SOLD

307

CR

SUMMARY

TOTAL TRUST CREDITS

309

CR

SUMMARY

TOTAL VALUE- DATED FUNDS

310

CR

SUMMARY

TOTAL COMMERCIAL DEPOSITS

315

CR

SUMMARY

TOTAL INTERNATIONAL CREDITS - FF

316

CR

SUMMARY

TOTAL INTERNATIONAL CREDITS – CHF

318

CR

SUMMARY

TOTAL FOREIGN CHEQUE PURCHASED

319

CR

SUMMARY

LATE DEPOSIT

320

CR

SUMMARY

TOTAL SECURITIES SOLD - FF

321

CR

SUMMARY

TOTAL SECURITIES SOLD - CHF

Page 82 of 118

BAI Code

BAI Type

BAI Level

Description

324

CR

SUMMARY

TOTAL SECURITIES MATURED - FF

325

CR

SUMMARY

TOTAL SECURITIES MATURED - CHF

326

CR

SUMMARY

TOTAL SECURITIES INTEREST

327

CR

SUMMARY

TOTAL SECURITIES MATURED

328

CR

SUMMARY

TOTAL SECURITIES INTEREST - FF

329

CR

SUMMARY

TOTAL SECURITIES INTEREST - CHF

330

CR

SUMMARY

TOTAL ESCROW CREDITS

332

CR

SUMMARY

TOTAL MISC SECURITIES CREDITS-FF

336

CR

SUMMARY

TOTAL MISC SECURITIES CREDITS-CHF

338

CR

SUMMARY

TOTAL SECURITIES SOLD

340

CR

SUMMARY

TOTAL BROKER DEPOSITS

341

CR

SUMMARY

TOTAL BROKER DEPOSITS-FF

343

CR

SUMMARY

TOTAL BROKER DEPOSITS-CHF

350

CR

SUMMARY

INVESTMENT SOLD

352

CR

SUMMARY

TOTAL CASH CENTER CREDITS

355

CR

SUMMARY

INVESTMENT INTEREST

356

CR

SUMMARY

TOTAL CREDIT ADJUSTMENT

360

CR

SUMMARY

TOTAL CREDITS LESS WIRE TRANSFR AND RETURNED CHKS

361

CR

SUMMARY

GRAND TOTAL CREDITS LESS GRAND TOTAL DEBITS

370

CR

SUMMARY

TOTAL BACK VALUE CREDITS

385

CR

SUMMARY

TOTAL UNIVERSAL CREDITS

389

CR

SUMMARY

TOTAL FREIGHT PAYMENT CREDITS

390

CR

SUMMARY

TOTAL MISCELLANEOUS CREDITS

400

DR

SUMMARY

TOTAL NUMBER OF DEBIT TRANSACTIONS

401

DR

SUMMARY

TOTAL DEBIT AMOUNT MTD

403

DR

SUMMARY

TODAY'S TOTAL DEBITS

405

DR

SUMMARY

TOTAL DEBIT LESS WIRE TRANSFER AND CHARGE-BACKS

406

DR

SUMMARY

DEBITS NOT DETAILED

410

DR

SUMMARY

TOTAL YTD ADJUSTMENT

412

DR

SUMMARY

TOTAL DEBITS (EXCLUDING RETURNED ITEMS)

416

DR

SUMMARY

TOTAL LOCKBOX DEBITS

420

DR

SUMMARY

EDI TRANSACTION DEBITS

430

DR

SUMMARY

TOTAL PAYABLE - THROUGH DRAFTS

446

DR

SUMMARY

TOTAL ACH DISBURSEMENT FUNDING DEBITS

450

DR

SUMMARY

TOTAL ACH DEBITS

463

DR

SUMMARY

CORPORATE TRADE PAYMENT DEBITS

465

DR

SUMMARY

CORPORATE TRADE PAYMENT SETTLEMENT

467

DR

SUMMARY

ACH SETTLEMENT DEBITS

470

DR

SUMMARY

TOTAL CHEQUES PAID

471

DR

SUMMARY

TOTAL CHEQUES PAID - CUMULATIVE MTD

480

DR

SUMMARY

TOTAL LOAN PAYMENTS

482

DR

SUMMARY

TOTAL BANK-ORIGINATED DEBITS

Page 83 of 118

BAI Code

BAI Type

BAI Level

Description

486

DR

SUMMARY

TOTAL CASH LETTER DEBITS

490

DR

SUMMARY

TOTAL OUTGOING MONEY TRANSFERS

500

DR

SUMMARY

TOTAL AUTOMATIC TRANSFER DEBITS

505

DR

SUMMARY

TOTAL BOOK TRANFER DEBITS

507

DR

SUMMARY

TOTAL INTERNATIONAL MONEY TRANSFER DEBITS

510

DR

SUMMARY

TOTAL INTERNATIONAL DEBITS

515

DR

SUMMARY

TOTAL LETTERS OF CREDIT

530

DR

SUMMARY

TOTAL SECURITY DEBITS

532

DR

SUMMARY

TOTAL AMOUNT OF SECURITIES PURCHASED

534

DR

SUMMARY

TOTAL MISCELLANEOUS SECURITIES DB-FF

536

DR

SUMMARY

TOTAL MISC SECURITIES DEBIT - CHF

537

DR

SUMMARY

TOTAL COLLECTION DEBIT

539

DR

SUMMARY

TOTAL BANKERS' ACCEPTANCES DEBIT

550

DR

SUMMARY

TOTAL DEPOSITED ITEMS RETURNED

551

DR

SUMMARY

TOTAL CREDIT REVERSALS

556

DR

SUMMARY

TOTAL ACH RETURN ITEMS

560

DR

SUMMARY

TOTAL REJECTED DEBITS

561

DR

SUMMARY

INDIVIDUAL REJECTED DEBIT

570

DR

SUMMARY

TOTAL ZBA DEBITS

580

DR

SUMMARY

TOTAL CONTROLLED DISBURSING DEBITS

583

DR

SUMMARY

TOTAL DISBURSING CHEQUES PAID-EARLY AMOUNT

584

DR

SUMMARY

TOTAL DISBURSING CHEQUES PAID-LATER AMOUNT

585

DR

SUMMARY

DISBURSING FUNDING REQUIREMENT

586

DR

SUMMARY

FRB PRESENTMENT ESTIMATE (FED ESTIMATE)

587

DR

SUMMARY

LATE DEBITS (AFTER NOTIFICATION)

588

DR

SUMMARY

TOTAL DISBURSING CHEQUES PAID-LAST AMOUNT

590

DR

SUMMARY

TOTAL DTC DEBITS

594

DR

SUMMARY

TOTAL ATM DEBITS

596

DR

SUMMARY

TOTAL ARP DEBITS

601

DR

SUMMARY

ESTIMATED TOTAL DISBURSEMENT

602

DR

SUMMARY

ADJUSTED TOTAL DISBURSEMENT

610

DR

SUMMARY

TOTAL FUNDS REQUIRED

611

DR

SUMMARY

TOTAL WIRE TRANSFERS OUT - CHF

612

DR

SUMMARY

TOTAL WIRE TRANSFERS OUT - FF

613

DR

SUMMARY

TOTAL INTERNATIONAL DEBIT - CHF

614

DR

SUMMARY

TOTAL INTERNATIONAL DEBIT - FF

615

DR

SUMMARY

TOTAL FED RESERVE BANK-COMMERCIAL BANK DEBIT

617

DR

SUMMARY

TOTAL SECURITIES PURCHASED - CHF

618

DR

SUMMARY

TOTAL SECURITIES PURCHASED - FF

623

DR

SUMMARY

TOTAL BROKER DEBIT - FF

625

DR

SUMMARY

TOTAL BROKER DEBITS

626

DR

SUMMARY

TOTAL FED FUNDS PURCHASED

Page 84 of 118

BAI Code

BAI Type

BAI Level

Description

628

DR

SUMMARY

TOTAL CASH CENTER DEBITS

630

DR

SUMMARY

TOTAL DEBIT ADJUSTMENTS

632

DR

SUMMARY

TOTAL TRUST DEBITS

640

DR

SUMMARY

TOTAL ESCROW DEBITS

646

DR

SUMMARY

TRANSFER CALCULATION DEBIT

650

DR

SUMMARY

INVESTMENTS PURCHASED

655

DR

SUMMARY

TOTAL INVESTMENT INTEREST DEBITS

665

DR

SUMMARY

INTERCEPT DEBITS

670

DR

SUMMARY

TOTAL BACK VALUE ADJUSTMENT

685

DR

SUMMARY

TOTAL UNIVERSAL DEBITS

689

DR

SUMMARY

TOTAL FREIGHT PAYMENT DEBITS

690

DR

SUMMARY

TOTAL MISCELLANEOUS DEBITS

720

CR

SUMMARY

TOTAL LOAN PAYMENT

760

DR

SUMMARY

LOAN DISBURSEMENT

908

NA

STATUS

CUSTOMER LIMIT

Page 85 of 118

6.1.2.

Retail, Corporate/Institutional and V2 Plus accounts (CAP, CMM
and V2P sources)

BAI
Code

Transaction
Code

AUXDOM

Transaction
Type

Description

142

051

155

CWTH L INT

COMMONWEALTH LOAN INTEREST

142

053

155

PAY/SALARY

PAY/SALARY

142

056

155

DIVIDEND

DIVIDEND

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

166

008

*

PAYMENT

CUSTOMER WITHDRAWAL (PERIODICAL PAYMENT)

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

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

192

000

9998

POS

HOME BANKING

Page 86 of 118

BAI
Code

Transaction
Code

AUXDOM

Transaction
Type

Description

195

060

*

AGT

AGENT NUMBER - COLLECTION ITEMS

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

4060

RTGS PMT

RTGS PAYMENT

195

089

4110

RTGS PMT

DOMESTIC TT RECEIVED

195

089

4130

RTGS SENT

DOMESTIC TT REMITTED

195

*

*

CREDIT

PAY PLUS CREDIT

195

*

*

DEPOSIT

ELECTRONIC EXCHANGES - CREDIT

206

089

4150

BOOK TFR

TRANSFER REFERENCE

206

*

*

TRANSFER

Cash Management Online
- 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

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

252

034

4100

REV OS DR

REV OFF SHORE TELEGRAPHIC TFR RECEIVED

252

034

4110

REV RTGS

REV DOMESTIC TELEGRAPHIC TFR RECEIVED

252

034

4120

REV OS DR

REV OFF SHORE TELEGRAPHIC TFR REMITTED

252

034

4130

REV RTGS

REV DOMESTIC TELEGRAPHIC TFR REMITTED

252

034

4150

TRANSFER

REVERSAL OF TRANSFER REFERENCE

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

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

062

*

AFT PRI CR

AUTOMATIC FUNDS TRANSFER

Page 87 of 118

Funds Transfer (SDSC)

BAI
Code

Transaction
Code

AUXDOM

Transaction
Type

Description

275

063

*

AFT CR

AUTOMATIC FUNDS TRANSFER

295

*

*

ANZ ATM

ANZ ATM CREDIT

295

*

*

ANZ ATM

ANZ ATM CREDIT TRANSFER

354

051

*

CWTH L INT

Cash Management Online
CR

354

057

155

DEB INT

DEBENTURE/NOTE INTEREST

354

057

*

DEB INT

Cash Management Online
CR

354

057

*

DEB INT

DEBENTURE/NOTE INTEREST

354

097

*

INT EARNED

INTEREST PAID ON DEPOSITS

354

097

*

INT EARNED

UNIDENTIFIED CHANNEL CODE - "wildcard"

354

097

*

INTEREST

INTEREST PAID ON DEPOSITS

357

089

*

REVERSL CR

Reversal Credit

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
CR

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

000

9999

TRANSFER

HOME BANKING TRANSFER

399

049

*

ADVICE

CUSTOMER ADVISED DEBIT

399

050

5

CREDIT

CREDIT REPOST

399

050

41

DRAWDWN CR

PROCEEDS OF LOAN DRAWDOWN

399

050

43

HARVEST CR

TRANSFER FROM HARVEST ACCOUNT

399

050

44

BAL TFR

BALANCE TRANSFERRED

399

050

47

SETTLE CR

SETTLEMENT

399

050

48

TRANSFER

TRANSFER FROM CASH MANAGEMENT ACCOUNT

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 88 of 118

Direct Credit (SDMC) -

Direct Credit (SDMC) -

Direct Credit (SDMC) -

BAI
Code

Transaction
Code

AUXDOM

Transaction
Type

Description

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

9999

TFR CREDIT

HOME BANKING TRANSFER

399

050

9999

TRANSFER

HOME BANKING TRANSFER

399

050

*

MISC CR

UNIDENTIFIED CHANNEL CODE - "wildcard"

399

050

*

TRANSFER

HOME BANKING TYPE 8

399

050

*

TRANSFER

HOME BANKING TYPE 9

399

050

*

TRANSFER

TRANSFER CREDIT

399

051

*

CWTH L INT

COMMONWEALTH LOAN INTEREST

399

051

*

MISC CR

UNIDENTIFIED CHANNEL CODE - "wildcard"

399

052

*

FAM PAY

Cash Management Online
CR

399

052

*

MISC CR

UNIDENTIFIED CHANNEL CODE - "wildcard"

399

053

9047

INTERNET

ANZ PC BANKING

399

053

9050

INTERNET

SHARE TRADE DEP/FUNDS TFR

399

053

9050

TRANSFER

SHARE TRADE DEP/FUNDS TFR

399

053

9051

INTERNET

ANZ INTERNET BANKING TRANSFER

399

053

9051

TRANSFER

ANZ INTERNET BANKING TRANSFER

399

053

9052

INTERNET

ANZ INTERNET BANKING TRANSFER

399

053

9052

TRANSFER

ANZ INTERNET BANKING TRANSFER

399

053

9062

INTERNET

ONLINE FUNDS TRANSFER

399

053

9063

INTERNET

ANZ PC BANKING

399

053

9064

PHONE BANK

ANZ PHONE BANKING

399

053

*

ATMDeposit

ANZ ATM Deposit

399

053

*

ATMFundsTr

ANZ ATM Funds Transfer(CR)

399

053

*

MISC CR

UNIDENTIFIED CHANNEL CODE - "wildcard"

399

053

*

POSDeposit

Point of Sale (POS) Deposit

399

053

*

VisaCredit

Visa Credit

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

Cash Management Online
CR

399

054

*

PENSION

PENSION/SUPERANNUATION

399

055

*

ALLOTMENT

Cash Management Online
CR

399

055

*

ALLOTMENT

SERVICE ALLOTMENT

399

055

*

MISC CR

UNIDENTIFIED CHANNEL CODE - "wildcard"

Page 89 of 118

Direct Credit (SDMC) -

Direct Credit (SDMC) -

Direct Credit (SDMC) -

BAI
Code

Transaction
Code

AUXDOM

Transaction
Type

Description

399

056

*

DIVIDEND

Cash Management Online
CR

399

056

*

DIVIDEND

DIVIDEND

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

399

060

2

T/D INT

TERM DEPOSIT INTEREST

399

060

*

MISC CR

UNIDENTIFIED CHANNEL CODE - "wildcard"

399

060

*

TRANSFER

RE-DIRECTED CR FROM TDA

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 90 of 118

Direct Credit (SDMC) -

BAI
Code

Transaction
Code

AUXDOM

Transaction
Type

Description

399

088

*

TELE TRF

PROCEEDS OF TELEGRAPHIC TRANSFER

399

089

100

OB CR

OVERSEAS BILL

399

089

1500

ERROR CR

CREDIT UNRECONCILED

399

089

1800

FT CR

FAST TRACK

399

089

2060

ED CR

EXPORT COLLECTION

399

089

2070

ED CR

EXPORT COLLECTION

399

089

2080

E CR

EXPORT CREDIT

399

089

2080

ED CR

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

3040

DEP TFR

DEPOSIT OF TRANSFERRED FUNDS

399

089

3190

SUPER GTEE

SUPERANNUATION GUARANTEE CHARGE

399

089

4010

BPAY CASH

BPAY CASH PAYMENT

399

089

4020

BPAY CARD

BPAY CARD PAYMENT

399

089

4050

CHESS SETL

CHESS SETTLEMENT

399

089

9000

TRANSFER

TRANSFER

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

*

MISC CR

UNIDENTIFIED CHANNEL CODE - "wildcard"

399

094

*

MISC CR

UNIDENTIFIED CHANNEL CODE - "wildcard"

399

095

*

MISC CR

UNIDENTIFIED CHANNEL CODE - "wildcard"

399

096

*

ADVISED CR

CUSTOMER ADVISED CREDIT

399

096

*

MISC CR

UNIDENTIFIED CHANNEL CODE - "wildcard"

399

097

*

MISC CR

UNIDENTIFIED CHANNEL CODE - "wildcard"

399

098

*

MISC CR

UNIDENTIFIED CHANNEL CODE - "wildcard"

399

098

*

PAYMENT

PERMANENT ENTRY (P/P)

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

Page 91 of 118

BAI
Code

Transaction
Code

AUXDOM

Transaction
Type

Description

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
CR

Direct Debit (SCMD) -

399

*

*

BPAY

Cash Management Online

Bill Pay (SDSC) -CR

399

*

*

BPAY

Cash Management Online
(SDMC) - CR

Multiple Bill Pay

399

*

*

BPAY CR

INTERNET BANKING MULTIPLE BILL PAY CREDIT

399

*

*

CARD ENTRY

BRANCH CARDHOLDER TRANSFER CR

399

*

*

CHESS SETL

CHESS

399

*

*

CREDIT

BRANCH FOREIGN EXCHANGE CR

399

*

*

CREDIT

CAP CREDIT

399

*

*

CREDIT

CSL BILL PAY CREDIT

399

*

*

CREDIT

ESANDA CREDIT

399

*

*

CREDIT

MONEY MARKET CREDIT

399

*

*

CREDIT

NOMINEES CREDIT

399

*

*

CREDIT

SUPENANNUATION CREDIT

399

*

*

CREDIT

SUPERANNUATION CREDIT

399

*

*

CREDIT

SWIFT CREDIT

399

*

*

DEPOSIT

DISTRIBUTION CREDIT

399

*

*

DEPOSIT

VISION PLUS CREDIT

399

*

*

EB CREDIT

VIPA CREDIT

399

*

*

INTERNET

INTERNET BANKING CREDIT MULTIPLE TRANSFER

399

*

*

INTERNET

INTERNET BANKING MULTIPLE PAY ANYONE
CREDIT

399

*

*

INTERNET

INTERNET BANKING PAY ANYONE CREDIT

399

*

*

INTNETBPAY

INTERNET BANKING BILL PAY CREDIT

399

*

*

PAYANYONE

Cash Management Online
– CR

399

*

*

PAYANYONE

Cash Management Online
(SDMC) - CR

399

*

*

PAYMENT

Cash Management Online
CR

399

*

*

PHONE BANK

PHONE BANKING CREDIT MULTIPLE TRANSFER

399

*

*

PHONE BPAY

PHONE BANKING MULTIPLE BILL PAY CREDIT

399

*

*

POS

ANZ ONLINE CREDIT

399

*

*

POS

ANZ ONLINE DEBIT

399

*

*

TRANSFER

ANZ ONLINE FUNDS TRANSFER CREDIT TRANSFER

399

*

*

TRANSFER

CAP BUREAU OTHER BANK (CREDIT DE)

399

*

*

TRANSFER

Cash Management Online
CR

Direct Credit (SDMC) –

399

*

*

TRANSFER

Cash Management Online
CR

Direct Debit (SCMD) -

Page 92 of 118

Pay anyone (SDSC)
Multiple Pay anyone
Direct Credit (SCMD) –

BAI
Code

Transaction
Code

AUXDOM

Transaction
Type

Description

399

*

*

TRANSFER

Cash Management Online
– CR

466

008

*

PAYMENT

CUSTOMER WITHDRAWAL (PERIODICAL PAYMENT)

466

008

*

PAYMENT

PERIODIC 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

008

*

PAYMENT

PERIODIC 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

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

ELECTRONIC EXCHANGES - DEBIT

475

*

*

DEBIT

PROOF CHEQUE WITHDRAWAL

477

008

302

P PAYMENT

INTRA-BANK PP

477

008

302

PAYMENT

INTRA-BANK PP

495

029

4110

RTGS PMT

DOMESTIC TT

495

029

4130

RTGS SENT

DOMESTIC TT REMITTED

495

049

4110

RTGS PMT

DOMESTIC TT RECEIVED

506

029

4150

OWN AC TFR

TRANSFER

506

*

*

TRANSFER

Cash Management Online
- 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

Page 93 of 118

Multiple Funds Transfer

Funds Transfer (SDSC)

BAI
Code

Transaction
Code

AUXDOM

Transaction
Type

Description

544

011

*

DEP ERR DR

ERROR IN DEPOSIT UNDER $2.00

544

011

*

ERROR DR

ERROR IN DEPOSIT UNDER $2.00

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

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

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

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

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

Page 94 of 118

BAI
Code

Transaction
Code

AUXDOM

Transaction
Type

Description

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

30

CLCR FEE

ARRANGMNT TO CASH CHEQUES EST/RENEW FEE

698

030

31

S/D FEE

GOVT STAMP DUTY ON SECURITY DOCUMENTS

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

Page 95 of 118

BAI
Code

Transaction
Code

AUXDOM

Transaction
Type

Description

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

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

110

TFR FEE

TRANSFER OTHER BANK TRANSFER 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

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

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

Page 96 of 118

BAI
Code

Transaction
Code

AUXDOM

Transaction
Type

Description

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

000

9999

TFR DEBIT

HOME BANKING TRANSFER

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

44

TRANSFER

TRANSFER

699

008

45

WITHDRAWAL

WITHDRAWAL

699

008

46

FHOG DR

FIRST HOME OWNERS GRANT DEBIT

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

699

008

9046

PHONE BANK

ANZ PHONE BANKING

699

008

9047

INTERNET

ANZ PC BANKING

699

008

9048

PHONE BPAY

ANZ PHONE BANKING BILL PAYMENT

699

008

9049

INTNETBPAY

ANZ PC BANKING BILL PAYMENT

699

008

9050

S/TDE WDL

SHARE TRADE W/DRAWAL/FUNDS TFR

699

008

9051

INTERNET

IB SDMC MULTI-TRANSFER

699

008

9052

INTERNET

IB SDMC PAY-ANYONE

699

008

9061

INTERNET

IB SDMC BILLPAY

699

008

9062

INTER BANK

ONLINE FUNDS TRANSFER

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

Page 97 of 118

BAI
Code

Transaction
Code

AUXDOM

Transaction
Type

Description

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"

699

027

*

MISC DR

UNIDENTIFIED CHANNEL CODE - "wildcard"

699

028

*

MISC DR

UNIDENTIFIED CHANNEL CODE - "wildcard"

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

2060

ED DR

EXPORT COLLECTION

699

029

2070

EC CR

EXPORT COLLECTION

699

029

2080

E DR

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

9050

INT TFR

RE-DIRECT DR INT CHGD DEC FROM LOAN ACC

Page 98 of 118

BAI
Code

Transaction
Code

AUXDOM

Transaction
Type

Description

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"

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

*

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

*

INT

INTEREST ON OVERDRAFT/LOAN

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

4130

RTGS SENT

DOMESTIC TT REMITTED

699

049

4150

TRANSFER

TRANSFER

699

049

*

ADVICE

CUSTOMER ADVISED DEBIT

699

049

*

ADVISED DR

CUSTOMER ADVISED DEBIT

699

049

*

MISC DR

UNIDENTIFIED CHANNEL CODE - "wildcard"

699

053

75

CARD ENTRY

CARD ENTRY AT BRANCH

699

079

*

CREDIT

CUSTOMER DEPOSIT

699

*

*

BAL ITEM

Cash Management Online
DR

699

*

*

BPAY

Cash Management Online

699

*

*

BPAY

Cash Management Online
(SDMC) - DR

699

*

*

CARD ENTRY

BRANCH CARD DEPOSIT

699

*

*

CARD ENTRY

BRANCH CARD WITHDRAWAL

699

*

*

CARD ENTRY

BRANCH CARDHOLDER TRANSFER DR

Page 99 of 118

Direct Credit (SDMC) Bill Pay(SDSC) DR
Multiple Bill Pay

BAI
Code

Transaction
Code

AUXDOM

Transaction
Type

Description

699

*

*

CHEQUE

BRANCH - CASH WITHDRAWAL

699

*

*

CHESS SETL

CHESS

699

*

*

DEBIT

BRANCH FOREIGN EXCHANGE DR

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 DEBIT MULTIPLE TRANSFER

699

*

*

INTERNET

INTERNET BANKING MULTIPLE BILL PAY DEBIT

699

*

*

INTERNET

INTERNET BANKING MULTIPLE PAY ANYONE DEBIT

699

*

*

INTERNET

INTERNET BANKING PAY ANYONE DEBIT

699

*

*

INTL POS

MAESTRO INTERNATIONAL EFTPOS W/DRWL

699

*

*

INTNETBPAY

INTERNET BANKING BILL PAY DEBIT

699

*

*

PAYANYONE

Cash Management Online
DR

699

*

*

PAYANYONE

Cash Management Online
(SDMC) - DR

699

*

*

PAYMENT

Cash Management Online
DR

Direct Credit (SDMC) -

699

*

*

PAYMENT

Cash Management Online
DR

Direct Debit (SCMD)

699

*

*

PAYMENT

PAYPLUS DEBIT

699

*

*

PAYMENT

VISION PLUS DEBIT

699

*

*

PHONE BANK

PHONE BANKING DEBIT TRANSFER

699

*

*

PHONE BPAY

PHONE BANKING BILL PAY DEBIT

699

*

*

PHONE BPAY

PHONE BANKING MULTIPLE BILL PAY DEBIT

699

*

*

POS

ANZ ONLINE DEBIT

699

*

*

POS DR

POINT OF SALE (POS) WITHDRAWAL

699

*

*

POS DR

POINT OF SALE MERCHANT DEBIT

699

*

*

TRANSFER

ANZ ONLINE FUNDS TRANSFER DEBIT TRANSFER

699

*

*

TRANSFER

Cash Management Online
- DR

699

*

*

TRANSFER

INTERNET BANKING DEBIT TRANSFER

699

*

*

WITHDRAWAL

BRANCH - CASH WITHDRAWAL

Note: * indicates a wild-card

Page 100 of 118

Pay anyone (SDSC)Multiple Pay anyone

Multiple Funds Transfer

6.1.3.

MANTEC accounts, MIDANZ accounts (local & offshore), other ANZ
offshore accounts and other bank accounts

BAI Code

Transaction Code

AUXDOM

Transaction Type

Description

171

LDP

NA

LOAN

Loan Deposit

175

CHK

NA

CHEQUE

CHEQUE

187

CLR

NA

CASH

CASH

195

TRF

NA

TX/AIR

Telex / Airmail

208

TT

NA

INT PYMT

INTL PAYMENT

213

DCR

NA

DOC CREDIT

DOC CREDIT

214

FEX

NA

FX TRANS

Foreign Exchange

224

COM

NA

COMMISSION

COMMISSION

227

STO

NA

S/ORDER

S/ORDER

237

COL

NA

COLLECTION

COLLECTION

238

DIV

NA

DIVIDEND

DIVIDEND

266

RTI

NA

RETURNED

RETURNED

354

INT

NA

INTEREST

INTEREST

357

VDA

NA

VAL DATE

VAL DATE

399

100

NA

SC CR TFR

Credit Transfer

399

103

NA

SC CR TFR

Credit Transfer

399

200

NA

FI TFR OA

FI Transfer

399

201

NA

MFI TFR OA

Multiple FI Tfrs

399

202

NA

GFI TFR

General FI Tfrs

399

203

NA

MGFI TFR

Multiple FI Tfrs

399

204

NA

FMDD MSG

FI Direct Debit

399

205

NA

FI TFR EXE

FI Transfer

399

300

NA

FE CONF

FX Confirmation

399

350

NA

AOL/ DIP

Advice of Loan

399

400

NA

AOP

Advice Of Payment

399

*

NA

CREDIT

CREDIT

399

BKT

NA

Bank Trans

Bank Trans

399

BNK

NA

SRI-BF

SRI-Bank Fees

399

BOE

NA

BILL OF EX

BILL OF EX

399

BRF

NA

BROKER FEE

BROKER FEE

399

CAR

NA

SRI-CAR

SRI-Corp Actions

399

CAS

NA

SRI-CIL

SRI-Cash in Lieu

399

CBP

NA

CASH POST

CASH POST

399

CHG

NA

CHARGES

CHARGES

399

CMI

NA

CMI-ND

SRI-No detail

399

CMN

NA

CMI-NP

SRI-Notional pool

399

CMP

NA

CC

Compensation claims

399

CMS

NA

CMI-S

CMI-Sweeping

399

CMT

NA

CMI-T

CMI-Topping

399

CMZ

NA

CMI-ZB

CMI-Zero bal

Page 101 of 118

BAI Code

Transaction Code

AUXDOM

Transaction Type

Description

399

COW

NA

OB COMM

Outward Bill Commission

399

CPN

NA

SRI-CP

SRI-Coupon payments

399

DDA

NA

LODGE FEE

Lodgement Fee

399

DDT

NA

DDI

Direct Debit Item

399

DIR

NA

DIR DEB

DIR DEB

399

DIS

NA

SRI-GD

SRI-Gains

399

ECK

NA

EUROCHEQUE

EUROCHEQUE

399

EQA

NA

EQUIVSUM

EQUIVSUM

399

EXT

NA

SRI-ETOA

SRI-Ext transfer

399

FCA

NA

DOC CRDR W

Doc Credit Drawing

399

FDL

NA

FX DEAL

FX DEAL

399

LBX

NA

Lock box

Lock box

399

MAR

NA

SRI-MP/R

SRI-Margin pymts

399

MAT

NA

SRI-M

SRI-Maturity

399

MGT

NA

SRI-MF

SRI-Mgt Fees

399

MSC

NA

MISC CR

MISC CR

399

MSP

NA

MORT SUBS

MORT SUBS

399

MT

NA

MAIL TRANS

MAIL TRANS

399

NWI

NA

SRI-NID

SRI-New Issues

399

ODC

NA

OC

Overdraft charge

399

OPT

NA

SRI-O

SRI-Options

399

PCH

NA

SRI-P

SRI-Purchase

399

POP

NA

SRI-POP

SRI-Pair-off

399

PRN

NA

SRI-PPDU

SRI-Principal

399

PYN

NA

PAY IN

PAY IN

399

REC

NA

SRI-TR

SRI-Tax reclaim

399

RED

NA

SRI-RW

SRI-Redemption

399

REV

NA

REVERSAL

REVERSAL

399

RIG

NA

SRI-R

SRI-Rights

399

SAL

NA

SRI-SALE

SRI-Sale

399

SDL

NA

STG DEAL

STG DEAL

399

SEC

NA

SECURITIES

Securities

399

SLE

NA

SRI-SLR

SRI-Sec lending

399

STP

NA

SRI-SD

SRI-Stamp duty

399

SUB

NA

SRI-SUBS

SRI-Subscription

399

SWP

NA

SRI-SWAP

SRI-SWAP payment

399

TAX

NA

SRI-WTP

SRI-Witholding tax

399

TCK

NA

TVL CHEQUE

TVL CHEQUE

399

TCM

NA

SRI-TCM

SRI-Tripartite mgt

399

TRA

NA

SRI-ITFOA

SRI-Internal Tfrs

399

TRN

NA

SRI-TF

SRI-Trans Fee

399

UWC

NA

SRI-UC

SRI-Underwriting

Page 102 of 118

BAI Code

Transaction Code

AUXDOM

Transaction Type

Description

399

WAG

NA

WAGES

WAGES

399

WAR

NA

SRI-W

SRI-Warrant

475

CHK

NA

CHEQUE

CHEQUE

481

LDP

NA

LOAN

Loan Deposit

487

CLR

NA

CASH

CASH

487

COL

NA

COLLECTION

COLLECTION

495

TRF

NA

TX/AIR

Telex / Airmail

508

TT

NA

INT PYMT

INTL PAYMENT

513

DCR

NA

DOC CREDIT

DOC CREDIT

514

FEX

NA

FX TRANS

Foreign Exchange

524

COM

NA

COMMISSION

COMMISSION

527

STO

NA

S/ORDER

S/ORDER

549

DIV

NA

DIVIDEND

DIVIDEND

566

RTI

NA

RETURNED

RETURNED

631

VDA

NA

VAL DATE

VAL DATE

654

INT

NA

INTEREST

INTEREST

698

BRF

NA

BROKER FEE

BROKER FEE

698

CHG

NA

CHARGES

CHARGES

698

DDA

NA

LODGE FEE

Lodgement Fee

699

100

NA

SC CR TFR

Credit Transfer

699

103

NA

SC CR TFR

Credit Transfer

699

200

NA

FI TFR OA

FI Transfer

699

201

NA

MFI TFR OA

Multiple FI Tfrs

699

202

NA

GFI TFR

General FI Tfrs

699

203

NA

MGFI TFR

Multiple FI Tfrs

699

204

NA

FMDD MSG

FI Direct Debit

699

205

NA

FI TFR EXE

FI Transfer

699

300

NA

FE CONF

FX Confirmation

699

350

NA

AOL/ DIP

Advice Of Loan

699

400

NA

AOP

Advice Of Payment

699

*

NA

DEBIT

DEBIT

699

BKT

NA

BANK TRANS

BANK TRANS

699

BNK

NA

SRI-BF

SRI-Bank Fees

699

BOE

NA

BILL OF EX

BILL OF EX

699

CAR

NA

SRI-CAR

SRI-Corp Actions

699

CAS

NA

SRI-CIL

SRI-Cash in Lieu

699

CBP

NA

CASH POST

CASH POST

699

CMI

NA

CMI-ND

SRI-No detail

699

CMN

NA

CMI-NP

SRI-Notional pool

699

CMP

NA

CC

Compensation claims

699

CMS

NA

CMI-S

CMI-Sweeping

699

CMT

NA

CMI-T

CMI-Topping

Page 103 of 118

BAI Code

Transaction Code

AUXDOM

Transaction Type

Description

699

CMZ

NA

CMI-ZB

CMI-Zero bal

699

COW

NA

OB COMM

Outward Bill Commission

699

CPN

NA

SRI-CP

SRI-Coupon payments

699

DDT

NA

DDI

Direct Debit Item

699

DIR

NA

DIR DEB

DIR DEB

699

DIS

NA

SRI-GD

SRI-Gains

699

ECK

NA

EUROCHEQUE

EUROCHEQUE

699

EQA

NA

EQUIVSUM

EQUIVSUM

699

EXT

NA

SRI-ETOA

SRI-Ext transfer

699

FCA

NA

DOC CRDR W

Doc Credit Drawing

699

FDL

NA

FX DEAL

FX DEAL

699

LBX

NA

Lock box

Lock box

699

MAR

NA

SRI-MP/R

SRI-Margin pymts

699

MAT

NA

SRI-M

SRI-Maturity

699

MGT

NA

SRI-MF

SRI-Mgt Fees

699

MSC

NA

MISC DR

MISC DR

699

MSP

NA

MORT SUBS

MORT SUBS

699

MT

NA

MAIL TRANS

MAIL TRANS

699

NWI

NA

SRI-NID

SRI-New Issues

699

ODC

NA

OC

Overdraft charge

699

OPT

NA

SRI-O

SRI-Options

699

PCH

NA

SRI-P

SRI-Purchase

699

PNS

NA

PENSION

PENSION

699

POP

NA

SRI-POP

SRI-Pair-off

699

PRN

NA

SRI-PPDU

SRI-Principal

699

PYN

NA

PAY IN

PAY IN

699

REC

NA

SRI-TR

SRI-Tax reclaim

699

RED

NA

SRI-RW

SRI-Redemption

699

REV

NA

REVERSAL

REVERSAL

699

RIG

NA

SRI-R

SRI-Rights

699

SAL

NA

SRI-SALE

SRI-Sale

699

SDL

NA

STG DEAL

STG DEAL

699

SEC

NA

SECURITIES

Securities

699

SLE

NA

SRI-SLR

SRI-Sec lending

699

STP

NA

SRI-SD

SRI-Stamp duty

699

SUB

NA

SRI-SUBS

SRI-Subscription

699

SWP

NA

SRI-SWAP

SRI-SWAP payment

699

TAX

NA

SRI-WTP

SRI-Witholding tax

699

TCK

NA

TVL CHEQUE

TVL CHEQUE

699

TCM

NA

SRI-TCM

SRI-Tripartite mgt

699

TRA

NA

SRI-ITFOA

SRI-Internal Tfrs

699

TRN

NA

SRI-TF

SRI-Trans Fee

Page 104 of 118

BAI Code

Transaction Code

AUXDOM

Transaction Type

Description

699

UWC

NA

SRI-UC

SRI-Underwriting

699

WAG

NA

WAGES

WAGES

699

WAR

NA

SRI-W

SRI-Warrant

Page 105 of 118

6.1.4.

New Zealand ANZ Bank (SYS account source)

BAI Code

Transaction
Code

AUXDOM

Transaction
Type

Description

146

50

43

EFT-POS CR

EFT-POS CREDIT

206

51

*

TFR CREDIT

Cash Management Online
- CR

299

23

*

TELCAB CST

TELEPHONE/CABLE COST

354

67

*

INTEREST

INTEREST

373

52

*

PAY/SALARY

Cash Management Online
CR

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

71

*

CREDIT

CREDIT

398

51

*

CR TRF

CREDIT TRANSFER

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

71

006500

PHOTO REV

MYPHOTO FEE REVERSAL

398

165

*

OD MGT FEE

OVERDRAFT MANAGEMENT FEE

398

80

000450

OMF REV

OMF REVERSAL

398

165

002404

OMF FEEAPR

OVERDRAFT MANAGEMENT FEE-APRIL

398

165

002408

OMF FEEAUG

OVERDRAFT MANAGEMENT FEE-AUGUST

398

165

002412

OMF FEEDEC

OVERDRAFT MANAGEMENT FEE-DECEMBER

398

165

002402

OMF FEEFEB

OVERDRAFT MANAGEMENT FEE-FEBRUARY

398

165

002401

OMF FEEJAN

OVERDRAFT MANAGEMENT FEE -JANUARY

398

165

002407

OMF FEEJUL

OVERDRAFT MANAGEMENT FEE-JULY

398

165

002406

OMF FEEJUN

OVERDRAFT MANAGEMENT FEE-JUNE

398

165

002403

OMF FEEMAR

OVERDRAFT MANAGEMENT FEE-MARCH

398

165

002405

OMF FEEMAY

OVERDRAFT MANAGEMENT FEE-MAY

398

165

002411

OMF FEENOV

OVERDRAFT MANAGEMENT FEE-NOVEMBER

398

165

002410

OMF FEEOCT

OVERDRAFT MANAGEMENT FEE-OCTOBER

398

165

002409

OMF FEESEP

OVERDRAFT MANAGEMENT FEE-SEPTEMBER

398

80

006950

REVCARDREV

REPLACEMENT CARD FEE REVERSAL

398

80

*

REV DEBIT

REVERSAL OF DEBIT

398

71

002100

SP ANS DEP

SPECIAL ANSWER DEPOSIT

398

80

000250

TXNFEE REV

MANUAL TRANS FEE REVERSAL

398

80

000300

TXNFEE REV

AUTOMATIC TRANS FEE REVERSAL

398

81

*

UNPD REV

UNPAID ITEM REV

398

165

002413

UO FEE

UNARRANGED OVERDRAFT FEE

Page 106 of 118

Funds Transfer (SDSC)

Direct Credit (SDMC) -

BAI Code

Transaction
Code

AUXDOM

Transaction
Type

Description

398

80

007000

URGFEEREV

URGENT CARD FEE REVERSAL

398

80

006900

VDBTFEEREV

VISA DEBIT CARD FEE REVERSAL

399

65

*

THIRDPTYDP

3RD PARTY DEP

399

166

*

ADJ TO TAX

ADJUSTMENT TO TAX

399

167

*

ADJ TO TAX

ADJUSTMENT TO TAX

399

156

*

AMFNOMACT

AMF TRANSFER TO NOMINATED ACCOUNT

399

157

*

AMTFEE REV

AMOUNT FEE REV

399

56

*

CHCK DIGIT

ANALYSIS CODE WITH CHECK DIGIT

399

57

*

NONCHK DIG

ANALYSIS CODE NON CHECK DIGIT

399

50

41

ATMDeposit

ATM DEPOSIT

399

139

*

ATM DEP

ATM DEPOSIT

399

171

*

ATM DEP

ATM DEPOSIT

399

172

*

ATM SETTLE

ATM SETTLEMENT

399

173

*

ATM SETTLE

ATM SETTLEMENT

399

170

*

ATM TRF

ATM TRANSFER

399

191

*

BALLOT PMT

BALLOT CASH PAYMENT

399

50

59

BILL PYMNT

BILL PAYMENT

399

83

*

BILL PYMNT

BILL PAYMENT

399

83

0B

BILL PYMNT

BILL PAYMENT

399

83

59

BILL PYMNT

BILL PAYMENT

399

79

*

CHQDTYRFND

CHQ DUTY REFUND

399

158

*

CRCHQPRNTS

CREDIT TO CHEQUE PRINTERS

399

168

*

CR TRANSFR

CREDIT TRANSFER

399

51

41

CR TRF ATM

CR TRF ATM

399

73

*

CREDIT

CREDIT

399

74

*

CREDIT

CREDIT

399

76

*

CREDIT

CREDIT

399

78

*

CREDIT

CREDIT

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

94

*

CREDIT

CREDIT

399

95

*

CREDIT

CREDIT

399

97

*

CREDIT

CREDIT

399

98

*

CREDIT

CREDIT

399

99

*

CREDIT

CREDIT

Page 107 of 118

BAI Code

Transaction
Code

AUXDOM

Transaction
Type

Description

399

128

*

CREDIT

CREDIT

399

137

*

CREDIT

CREDIT

399

146

*

CREDIT

CREDIT

399

147

*

CREDIT

CREDIT

399

250

*

CREDIT SAV

CREDIT - SAVINGS

399

75

*

DEPOSIT

DEPOSIT

399

64

*

DEPOSIT

DEPOSIT WITH SERIAL NUMBER

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

53

*

DIRECT CR

SPECIAL DIRECT CREDIT

399

260

*

DIRECT CR

DIRECT CREDIT

399

55

*

DIRINP TXN

DIRECT INPUT TRANSACTION

399

61

*

DIVIDEND

DIVIDEND

399

50

55

FOREX

FOREIGN EXCHANGE

399

77

*

FOREXITEM

FOREIGN ITEM WITH NINE DIGIT SERIAL

399

193

*

FORFEITURE

FORFEITURE

399

60

*

GovtSalary

GOVT SALARY

399

60

06

GovtSalary

GOVT SALARY

399

72

*

INTGOV STK

INTEREST GOVERNMENT STOCK

399

174

*

INT ADJ

INTEREST ADJUSTMENT

399

175

*

INT ADJ

INTEREST ADJUSTMENT

399

185

*

INT ADJ

INTEREST ADJUSTMENT

399

186

*

INT ADJ

INTEREST ADJUSTMENT

399

252

*

INT ADJ

INTEREST ADJUSTMENT

399

153

*

INWDIS REV

INWARD DISHONOUR REVERSAL

399

50

76

KITS

KITS

399

58

*

DEPOSIT

MODULES 10 CHECK

399

59

*

DEPOSIT

MODULES 9 CHECK

399

66

*

MIN OF DEF

MINISTRY OF DEFENCE

399

253

*

MISC LN CR

MISC LOAN CREDIT

399

50

60

MoneyMkt

MONEY MARKET

399

50

17

MTSDirEnt

MTS DIRECT ENTRY

Page 108 of 118

BAI Code

Transaction
Code

AUXDOM

Transaction
Type

Description

399

254

*

MYTEL CR

MYTEL CREDIT CONTRA

399

60

01

NZGovtPmnt

NZ GOVT PAYMENT

399

60

21

NZGovtPmnt

NZ GOVT PAYMENT

399

161

*

OAF REV

OAF REVERSAL

399

54

*

OFF ENTRY

OFFICE ENTRY

399

159

*

OMF ADJ

OMF ADJUSTMENT

399

160

*

OMF ADJ

OMF ADJUSTMENT

399

154

*

OMFACC TRF

OMF TRANSFER TO NOMINATED ACCOUNT

399

155

*

OMFACC TRF

OMF TRANSFER TO NOMINATED ACCOUNT

399

189

*

PROFIT PMT

PROFIT PAYMENT

399

69

*

PUBAC RAIL

PUBLIC AC RAIL

399

68

*

PUBLIC AC

PUBLIC ACCOUNT

399

70

*

PUBLIC AC

PUBLIC ACCOUNT

399

96

*

RPAT TO RB

REPATRIATION TO RESERVE BANK

399

52

*

SALARY

SALARY

399

180

*

SO AC TXN

SETOFF MONTHLY ACCOUNT AND TRANSACTION
FEE

399

182

*

SO CR INT

SETOFF CREDIT INTEREST

399

179

*

SO OAFFEES

SETOFF OAF FEES

399

181

*

SO OD INT

SETOFF OVERDRAFT INTEREST

399

178

*

SO OMFFEES

SETOFF OMF FEES

399

183

*

SOTAXWHELD

SETOFF TAX WITHHELD

399

82

*

STOP MTS

STOPPED MTS PYMT

399

100

*

TRGETBALDR

TARGET BAL DR

399

192

*

TAXONBALOT

TAX ON CASH BALLOT PAYMENT

399

190

*

TAXONPRFIT

TAX ON PROFIT

399

62

*

TT

TELEGRAPHIC TRANSFER

399

151

*

TRF CR INT

TRANSFER CREDIT INTEREST

399

152

*

TRF CR INT

TRANSFER CREDIT INTEREST

399

169

*

TRF CR INT

TRANSFER CREDIT INTEREST

399

93

*

TRST MGMT

TRUST MGMT

399

63

*

UNAPP FNDS

UNAPPLIED FUNDS

399

176

*

WHOLDTXADJ

WITHHOLDING TAX ADJUSTMENT

399

177

*

WHOLDTXADJ

WITHHOLDING TAX ADJUSTMENT

399

187

*

WHOLDTXADJ

WITHHOLDING TAX ADJUSTMENT

399

188

*

WHOLDTXADJ

WITHHOLDING TAX ADJUSTMENT

399

251

*

WHOLDTXADJ

WITHOLDING TAX ADJUSTMENT

50

*

PAYMENT

Cash Management Online
CR

Direct Credit (SDMC) -

399

50

*

FUNDS CR

Cash Management Online
CR

Direct Debit (SCMD) -

399

50

*

FUNDS CR

Cash Management Online
CR

Direct Debit (SCMD) -

399
475

18

*

TRAVRS CHQ

TRAVELLERS CHQS

Page 109 of 118

BAI Code

Transaction
Code

AUXDOM

Transaction
Type

Description

506

36

*

TFR DEBIT

Cash Management Online
(SDSC) - DR

508

27

*

INT

Cash Management Online -International

698

101

AM

MNTHLY FEE

MONTHLY ACCOUNT AND TRANSACTION FEE

698

162

001616

AC TXN FEE

MONTHLY ACCOUNT AND TRANSACTION FEE

698

101

AS

ACCSER FEE

ACCOUNT SERVICE FEE

698

101

AP

AP GEN FEE

AUTOMATIC PAYMENT GENERATION FEE

698

140

003610

AP GEN FEE

AUTOMATIC PAYMENT GENERATION FEE

698

140

003600

AP LD FEE

AUTOMATIC PAYMENT LOAD AND AMEND 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

26

000150

ATMWTHDRWL

ATM WITHDRAWAL

698

13

000100

AUDRPTFee

AUD CONF REPORT

698

101

TA

AUTOTXNFEE

AUTOMATED TRANSACTION FEE

698

26

003700

BCARD CHRG

BCARD CHARGES

698

26

003800

BCDCHG ADJ

BCARD CHG ADJ

698

13

000200

B CHQ FEE

BCHQ FEE

698

13

*

BNK CHRG

BANK CHARGE

698

26

*

BNK CHRG

BANK CHARGE

698

22

*

BNKCHG GST

BANK CHGS (INC GST)

698

13

000130

BILLPMTPEN

BILL PMT PENALTY

698

162

001675

BILLPMTMT

BILL PAYMENT MAINTENANCE FEE

698

162

001670

BILLPMTFEE

BILL PAYMENT LOAD FEEE

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

13

000750

CASHHNDFEE

CASH HANDLING FEE

698

26

001564

CSHPNT DEP

CASH POINT DEP

698

13

005200

CASHSRVFEE

CASH SERVICE FEE

698

26

001562

CSHPNT FC

CASHPOINT FAST CASH

698

26

001563

CSHPNT TNF

CASHPOINT TRANSFER

698

26

001561

CSHPNT FEE

CASHPOINT CARD WITHDRAWAL

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

26

003000

CHRG BACK

CHARGE BACK

Page 110 of 118

Funds Transfer

BAI Code

Transaction
Code

AUXDOM

Transaction
Type

Description

698

163

001641

CHQTXNFEE

CHEQUE TRANSACTION FEE

698

02

*

CLCR FEE

CLEARANCE 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

21

*

DATABNKCHG

DATABANK CHARGE

698

13

006300

DSCHDOCFEE

DISCHARGE SECURITY DOC FEE

698

107

*

DSRFEE REV

DISHON FEE REV

698

13

000500

DISHNR FEE

DISHONOUR FEE

698

106

*

DISHNR FEE

DISHONOUR FEE

698

13

000600

DOCHDL FEE

DOC HANDLING FEE

698

13

000700

D STMT FEE

DUP STMT FEE

698

49

*

EDS CHARGE

EDS (CICS) CHG

698

13

003400

EXESECDOC

EXECUTION OF SEC DOCS

698

162

001635

ACC FEE

ACCOUNT FEES AT CLOSURE

698

13

000751

FEC FEE

FOREX CNTRCT FEE

698

101

*

GEN FEE

GENERATED FEE

698

22

000800

GUARANTEE

INDEMNITY GUARANTEE FEE (INC GST)

698

13

006850

ICSHPURFEE

ICASH CARD PURCH

698

13

005400

INVEST FEE

INVESTMENT FEE

698

26

006400

IWSREN FEE

IWS RENEWAL FEE

698

13

000900

LC ADV COM

LC ADVISE COMM

698

13

001000

LC COMM

LC COMMISSION

698

13

001001

LC EST FEE

LC EST FEE

698

13

001100

LINE FEE

LINE FEE

698

13

001200

LOAN FEE

LOAN FEE

698

13

001300

LN HLD FEE

LOAN HOLDING FEE

698

101

LV

LOWWD CHRG

LOW WITHDRAWAL CHARGE

698

13

002700

LTDCO SRCH

LTD CO SEARCH FEE

698

101

TM

MANTXNFEE

MANUAL TRANSACTION FEE

698

13

006650

MNTHLY FEE

MONTHLY BANKING FEE

698

13

006400

MRCHSVCCHG

MERCHANT SVC CHG

698

206

*

MISC LN DR

MISC LOAN DEBIT

698

13

005600

MONTRG FEE

MONITORING FEE

698

101

AF

MNTHLY FEE

MONTHLY ACCOUNT FEE

698

162

*

MTH AC FEE

MONTHLY ACCOUNT FEE

698

26

003900

MTSERR FEE

MTS ERROR FEE

698

13

006500

PHOTO FEE

MYPHOTO FEE

698

207

*

MYTEL DR

MYTEL DEBIT CONTRA

698

26

004200

NONRES LEV

NON RESIDENT LEVY

698

26

004100

NONRES WT

NON RESIDENT WITHHOLDING TAX

Page 111 of 118

BAI Code

Transaction
Code

AUXDOM

Transaction
Type

Description

698

101

OA

OD APP FEE

OVERDRAFT APPLICATION FEE

698

164

*

OD APP FEE

OVERDRAFT APPLICATION FEE

698

13

006200

OL MTH FEE

ONLINE BANK MTH FEE

698

13

006100

OL REG FEE

ONLINE BANK REG FEE

698

26

001600

OS BK CHG

OSEAS BK CHGS

698

13

001700

OS TXN COM

OSEAS TXN COMM

698

208

*

OAFACCTRF

OAF TRANSFER FROM NOMINATED ACCOUNT

698

209

*

OAFACCTRF

OAF TRANSFER TO NOMINATED ACCOUNT

698

101

OM

OM FEE

OVERDRAFT MANAGEMENT FEE

698

210

*

ONEOFF PMT

ONE-OFF PAYMENT

698

13

000800

ONEOFF FEE

ONE-OFF PYMT FEE

698

211

*

ONLINE DC

ONLINE DC

698

13

006210

OL CDE FEE

ONLINE CODE FEE

698

22

001400

OPTION FEE

OPTION FEE (INC GST)

698

13

001450

ORDERS FEE

ORDERS FEE

698

204

*

OBKATM FEE

OTHER BANK ATM FEE

698

13

001500

CHQBK FEE

OVERPRINT CHQBK

698

205

*

OS ATM FEE

OVERSEAS ATM FEE

698

26

001800

POSTAGE

POSTAGE

698

13

005500

PVT BK FEE

PRIVATE BANKING

698

13

003500

PRDSECDOC

PRODUCTION OF SEC DOCS

698

26

002800

REG FEE

REG FEES - RELEASE MTGE/CHATTEL SECS

698

13

006950

REPCRD FEE

REPLACEMENT CARD FEE

698

13

006450

REP FEE

REPRESENT FEE

698

22

001850

SAFCUS FEE

SAFE CUSTODY FEE (INC GST)

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

26

002900

STAMP DUTY

STAMP DUTY

698

22

000300

STRTUP CHG

START UP CHARGE (INC GST)

698

13

002200

ST CPY FEE

STMT COPY FEE

698

13

003200

STPPMT FEE

STOP PAYMENT FEE

698

104

*

STPPMT FEE

STOP PYMT FEE

698

26

003100

CR CRD ADJ

SUNDRY CREDIT CARD ADJ

698

13

002250

PD CHQ FEE

SURRENDER PAID CHQ FEE

698

13

002500

TVLCHQ COM

TRAVELLERS CHQS COMM

698

105

*

TRGETBALCR

TARGET BALANCE CREDIT

698

13

005700

TTONE FEE

TOUCH TONE FEE

698

101

TN

TXN FEE

TRANSACTION FEE

698

163

*

TXN FEE

TRANSACTION FEE

Page 112 of 118

BAI Code

Transaction
Code

AUXDOM

Transaction
Type

Description

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

01

*

UNPD ITEM

UNPAID ITEM

698

101

OX

UO FEE

UNARRANGED OVERDRAFT FEE

698

13

007000

URGCRD FEE

URGENT CARD FEE

698

13

006900

VDBT FEE

VISA DEBIT CARD FEE

698

13

002600

VR SCH FEE

VOUCHER SEARCH

698

26

002650

W HOLD TAX

WHOLDING TAX

698

13

005900

W DRWL FEE

WITHDRAWAL FEE

698

13

*

BNKCHG

Bank Charges

699

122

*

AC EX CHG

ACCOUNT EXCESS CHARGE

699

141

*

AP FEE REV

AUTOMATIC PAYMENT FEE REVERSAL

699

123

*

AECREVRSAL

ACCOUNT EXCESS CHARGE REVERSAL

699

125

*

AM FEE REV

ACCOUNT MAINT FEE REVERSAL

699

06

*

CHCK DIGIT

ANALYSIS CODE WITH CHECK DIGIT

699

07

*

NONCHK DIG

ANALYSIS CODE NON CHECK DIGIT

699

00

41

ATM DEBIT

ATM DEBIT

699

131

*

ATM DEBIT

ATM DEBIT

699

138

*

ATM DEBIT

ATM DEBIT

699

138

41

ATM DEBIT

ATM DEBIT

699

132

*

ATM DEP

ATM DEPOSIT

699

707

*

AUTODDABCR

AUTO LN DDA CREDIT

699

808

*

AUTOLN DR

AUTO LN LN DEBIT

699

606

*

AUTOTF DDA

AUTO TRANSFER DDA

699

15

*

AUTO PYMNT

AUTOMATIC PAYMENT

699

15

06

AUTO PYMNT

AUTOMATIC PAYMENT

699

909

*

AUTPAY DR

AUTPAY DDA DEBIT

699

33

*

BILL PYMNT

BILL PAYMENT

699

33

0B

BILL PYMNT

BILL PAYMENT

699

12

*

BILL DRFT

BILL DRAFT

699

202

LC

BlkngTXNCr

BULKING TXN CR

699

202

LD

BlkngTXNDr

BULKING TXN DR

699

124

*

CLRFEE REV

CLEARANCE FEE REVERSAL

699

00

15

CHQ WITHDL

CHEQUE WITHDRAWAL

699

35

*

CHQ WITHDL

CHEQUE WITHDRAWAL

699

03

*

COUNTERCHQ

COUNTER CHEQUE

699

00

*

DEBIT

DEBIT

699

00

01

DEBIT

DEBIT

699

00

06

DEBIT

DEBIT

699

00

07

DEBIT

DEBIT

699

05

*

DEBIT

DEBIT

Page 113 of 118

BAI Code

Transaction
Code

AUXDOM

Transaction
Type

Description

699

10

*

DEBIT

DEBIT

699

16

*

DEBIT

DEBIT

699

17

*

DEBIT

DEBIT

699

19

*

DEBIT

DEBIT

699

20

*

DEBIT

DEBIT

699

24

*

DEBIT

DEBIT

699

28

*

DEBIT

DEBIT

699

29

*

DEBIT

DEBIT

699

31

*

DEBIT

DEBIT

699

34

*

DEBIT

DEBIT

699

37

*

DEBIT

DEBIT

699

39

*

DEBIT

DEBIT

699

40

*

DEBIT

DEBIT

699

41

*

DEBIT

DEBIT

699

42

*

DEBIT

DEBIT

699

44

*

DEBIT

DEBIT

699

45

*

DEBIT

DEBIT

699

47

*

DEBIT

DEBIT

699

48

*

DEBIT

DEBIT

699

129

*

DEBIT

DEBIT

699

135

*

DEBIT

DEBIT

699

136

*

DEBIT

DEBIT

699

145

*

DEBIT

DEBIT

699

150

*

DEBIT

DEBIT

699

200

*

DEBIT SAV

DEBIT - SAVINGS

699

121

*

DR INT

DEBIT INTEREST

699

36

*

DEBIT TRF

DEBIT TRANSFER

699

25

*

DEP ERROR

DEPOSIT CORRECTION

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

120

*

DR INT REV

DEBIT INTEREST REVERSAL

699

102

*

DR INT TRF

DEBIT INTEREST TRANSFER

699

00

43

EFT-POS

EFT-POS

699

138

02

EFT-POS

EFT-POS

699

130

*

FEE REVERS

FEE REVERSAL

699

00

55

FOREX

FOREIGN EXCHANGE

699

27

*

FOREXITEM

FOREIGN ITEM WITH NINE DIGIT S/N

699

11

*

GVTCHQ DUT

GOVT CHEQUE DUTY

699

14

*

INSURANCE

INSURANCE

699

103

*

INTTRANSFR

INTEREST TRANSFER

Page 114 of 118

BAI Code

Transaction
Code

AUXDOM

Transaction
Type

Description

699

38

*

EXCHQDEPBK

KEY FORM EXEMPT CHEQUE AND DEPOSIT BOOK

699

108

*

LOAN DDOWN

LOAN DRAW DOWN

699

142

*

LNDRWNREV

LOAN DRAWDOWN REVERSAL

699

112

*

LOAN FEE

LOAN FEE

699

144

*

LOANFEEREV

LOAN FEE REVERSAL

699

143

*

LOANINTREV

LOAN INTEREST REVERSAL

699

111

*

LOAN INT

LOAN INTEREST

699

109

*

LOANPMTREV

LOAN PAYMENT REVERSAL

699

110

*

LOAN PMT

LOAN PAYMENT

699

08

*

CHEQUE

MODULES 10 CHECK ON SERIAL

699

09

*

CHEQUE

MODULES 9 CHECK ON SERIAL

699

04

*

OFF ENTRY

OFFICE ENTRY

699

202

*

OFF ENTRY

OFFICE ENTRY

699

127

*

OMFREVRSAL

OVERDRAFT MANAGEMENT FEE REVERSAL

699

00

2A

ONEOFF PMT

ON LINE ONE-OFF PAYMENT

699

15

2A

ONLINE DC

ONLINE DIRECT CREDIT

699

119

*

PMTPRTCOST

PAYMENT FOR PRINT COSTS

699

46

*

RPAT TO RB

REPATRIATION TO RESERVE BANK

699

30

*

REVERSALCR

REVERSAL OF CR

699

32

*

STPMTS PMT

STOPPED MTS PYMT

699

117

*

TD BREAK

TERM DEPOSIT BREAK

699

116

*

TDINTEREST

TERM DEPOSIT INTEREST

699

115

*

TD PRINCPL

TERM DEPOSIT PRINCIPAL

699

133

*

TELLERDR

TELLER DEBIT

699

134

*

TELLERDR

TELLER DEBIT

699

118

*

TRNS TO TD

TRANSFER TO TERM DEPOSIT

699

203

*

TRF CR INT

TRANSFER CREDIT INTEREST

699

113

*

TR UNCLAIM

TRANSFER TO UNCLAIMED MONIES

699

114

*

TR UNCLAIM

TRANSFER TO UNCLAIMED MONIES

699

43

*

TRUST MGMT

TRUST MGMT

699

126

*

TXNFEEREV

TRANSACTION FEE REVERSAL

699

201

*

WHOLDTXADJ

WITHHOLDING TAX ADJUSTMENT

00

*

FUNDS DR

Cash Management Online
DR

Direct Credit (SDMC) -

699

00

*

PAYMENT

Cash Management Online
DR

Direct Debit (SCMD)

699

Page 115 of 118

6.1.5.

New Zealand Cross Bank accounts (Westpac & Bank of New
Zealand)

BAI
Code

Transaction
Code

AUXDOM

Transaction
Type

Description

399

50

*

CREDIT

CREDIT

399

52

*

SALARY

SALARY

399

56

*

ANL CDE CR

ANALYSIS CODE CREDIT

399

57

*

ANL CDE CR

ANALYSIS CODE CREDIT

399

61

*

DIVIDEND

DIVIDEND

399

67

*

CR INT

CREDIT INTEREST

399

75

*

BKADJ MICR

BANK ADJUSTMENT MICR DEPOSIT

399

80

*

CR(REV DR)

CREDIT (REVERSED DEBIT)

399

51

*

TFR CREDIT

Credit Transfer

399

53

*

SPECIAL DC

Special Direct Credit

399

54

*

OFF ENTRY

Office Entry

399

55

*

DIRECT TXN

Direct Input Transaction

399

58

*

CHEQUE

Modulus 10 Cheque Serial Number

399

59

*

CHEQUE

Modulus 9 Cheque Serial Number

399

60

*

GOVTSALARY

Government Salaries

399

62

*

TT

Telegraphic Transfers

399

63

*

UNAPP FNDS

Unapplied Funds

399

64

*

DEPOSIT

Deposits with Serial Number

399

65

*

THIRDPARTY

Third Party Deposits

399

66

*

MIN OF DEF

Ministry of Defence

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

77

*

FX ITEM

Foreign Item with 9 Digit Serial Number

399

79

*

CHQDUTRFND

Cheque Duty Refund

399

81

*

REVERSAL

Unpaid Item Reversal

399

82

*

STOPMTS

Stopped MTS Payment

399

83

*

BILL PYMNT

Bill Payment

399

93

*

CR TRUST

Credit Trust Management

399

96

*

REP RESBNK

Repatriation to Reserve Bank

698

13

*

BNK CHRG

BANK CHARGES

698

2

*

CLEAR FEE

Clearance Fee

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

6

*

ANL CDE DR

ANALYSIS CODE DEBIT

Page 116 of 118

BAI
Code

Transaction
Code

AUXDOM

Transaction
Type

Description

699

7

*

ANL CDE DR

ANALYSIS CODE DEBIT

699

25

*

BKADJ MICR

BANK ADJUSTMENT MICR DEPOSIT

699

30

*

DR(REV CR)

DEBIT (REVERSED CREDIT)

699

35

*

REPRES CHQ

REPRESENTED CHEQUE

699

3

*

COUNT CHQ

Counter Cheque

699

4

*

OFF ENTRY

Office Entry

699

8

*

CHEQUE

Modulus 10 Cheque Serial Number

699

9

*

CHEQUE

Modulus 9 Cheque Serial Number

699

11

*

GOVCHQ DTY

Government Cheque Duty

699

12

*

BILL DRAFT

Bill/Draft

699

14

*

INSURANCE

Insurance

699

15

*

AUTO PAY

Automatic Payment

699

17

*

DEBIT INT

Debit Interest

699

22

*

BNKCHG GST

Bank Charges - GST inclusive

699

23

*

TEL CABLE

Telephone/Cable Cost

699

26

*

CHARGES

Charges (non Fees) with Statement Description

699

27

*

FX ITEM

Foreign Item with 9 Digit Serial Number

699

32

*

STOPMTSREV

Stopped MTS Payment Reversal

699

33

*

BILL PYMNT

Bill Payment

699

36

*

TFR DEBIT

Debit Transfer

699

38

*

EXEMPT

Key From Exempt Cheque or Deposit Book

699

43

*

DEBITTRUST

Debit Trust Management

699

46

*

REP RESBNK

Repatriation to Reserve Bank

Page 117 of 118

6.1.6.

Appendix B - 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 transaction 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.

Page 118 of 118



Source Exif Data:
File Type                       : PDF
File Type Extension             : pdf
MIME Type                       : application/pdf
PDF Version                     : 1.2
Linearized                      : No
Page Count                      : 118
Producer                        : AFPL Ghostscript 8.50
Create Date                     : 2013:06:27 18:20:08
Modify Date                     : 2013:06:27 18:20:08
Title                           : Microsoft Word - ANZ Transactive File Formats Web Only_07 2013 MM.doc
Creator                         : PScript5.dll Version 5.2.2
Author                          : liuc5
EXIF Metadata provided by EXIF.tools

Navigation menu