ANZ Transactive File Formats Web Only_07 2013 MM I Pyramid Docking Station Clientfileformats
User Manual: i-Pyramid Docking Station
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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
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