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
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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.
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TABLE OF CONTENTS
1.
Introduction 6
1.1.1.Purpose 6
1.1.2.Scope 6
1.1.3.File Formats Overview (Payables) 7
2.
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
2.2.4.0 - Descriptive Record 10
2.2.5.1 – Detail Record 10
2.2.6.7 – Batch Control Record 13
2.3.
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
3.
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
3.3.
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
3.4.
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
4.
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
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4.2.6.Clearing System Codes 32
4.3.
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
4.4.
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
4.5.
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
5.
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
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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
6.
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
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
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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.
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1.1.3. File Formats Overview (Payables)
The Table below is a summary of the Payable File Formats for Australian and New Zealand customers
BPAY
MT101
WIRS
NZ International Payment CSV
ABA
AU Domestic Payments CSV
NZ Domestic Payments CSV (Full File)
NZ ANZ Domestic Payments CSV
Domestic
Payments
File Type Australian
Customers
Single
Payments
New Zealand
Customers
Note: File formats shown in italics are supported by Transactive, but are not preferred file formats.
Page 8 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:
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o Numbers: 0-9.
o ‘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.
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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 4
th
character
position.
e.g. 013-999.
2 8 7 Optional
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.
e.g. ‘ANZ’.
21 23 3 Mandatory
Reserved Alpha Blank filled. 24 30 7 Optional
Name of User
supplying File
Alpha User Preferred Name as
registered with ANZ’
31 56 26 Mandatory
User
Identification
number
Numeric Direct Entry User ID.
Right-justified, zero-filled.
57 62 6 Mandatory
Description of
entries on File
Alpha Description of payments in
the file (e.g. Payroll,
Creditors etc.).
Can be used to match
existing domestic payments
template.
63 74 12 Mandatory
Date to be
processed
Alpha Date on which the payment
is to be processed.
DDMMYY (e.g. 010111).
75 80 6 Mandatory
Time Alpha Time on which the payment
is to be processed.
24 hour format - HHmm.
81 84 4 Optional
Reserved Alpha Blank filled. 85 120 36 Optional
2.2.5. 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 4
th
character position.
e.g. 013-999.
2 8 7 Mandatory
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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.
Leading zeros that are part
of an Account Number must
be included.
9 17 9 Mandatory
Withholding
Tax Indicator
Alpha One of the following values,
if applicable:
W – Dividend paid to a
resident of a country where
a double tax agreement is
in force.
X – Dividend paid to a
resident of any other
country.
Y – Interest paid to all non-
residence. The amount of
withholding tax is to appear
in the Amount of
Withholding Tax field.
18 18 1 Optional
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.
19 20 2 Mandatory
Amount to be
CREDITED or
DEBITED
Numeric Right justified, zero filled,
unsigned, two decimal
places are implied (e.g.
$10.21 is recorded as
0000001021).
21 30 10 Mandatory
Title of
account to be
CREDITED or
DEBITED
Alpha Preferred format is:
Surname followed by given
names with one blank
between each name.
e.g. SMITH John Alan.
Left justified, blank filled.
31 62 32 Mandatory
Lodgement
Reference
Produced on
the recipient’s
Account
Statement.
Alpha Payment reference
indicating details of the
origin of the entry (e.g.
payroll number, policy
number).
Left justified, blank filled.
63 80 18 Mandatory
Trace BSB
Number
Numeric Bank/State/Branch number
of the trace account with a
hyphen in the 4
th
character
position.
e.g. 013-999
81 87 7 Mandatory
Trace Account
Number
Alpha Numeric, alpha, hyphens &
blanks are valid. Right
justified, blank filled.
Leading zeros that are part
of an Account Number must
be included.
88 96 9 Mandatory
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Field
Description
Type Notes Start
Position
End
Position
Length Mandatory/
Optional
Name of
Remitter
Produced on
the recipient’s
Account
Statement.
Alpha Name of originator of the
entry. This may vary from
Name of User.
Left justified, blank filled.
97 112 16 Mandatory
Withholding
amount
Numeric Must be zero filled or
contain a withholding tax
amount.
If it contains a withholding
tax amount, two decimal
placed are implied (e.g.
$10.21 is recorded as
0000001021).
113 120 8 Optional
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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.
Right justified, zero filled,
unsigned, two decimal
places are implied (e.g.
$1001.21 is stored as
‘0000100121’).
21 30 10 Mandatory
Batch Credit
Total Amount
Numeric Must be zero filled or
contain the total value of all
Record Type 1 CREDIT
transactions on the batch.
Right justified, zero filled,
unsigned, two decimal
places are implied.
31 40 10 Optional
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. $1001.21
is stored as ‘0000100121’).
Right justified, zero filled,
unsigned, two decimal
places are implied.
41 50 10 Optional
Reserved Alpha Blank filled. 51 74 24 Optional
Batch Total
Item Count
Numeric Total count of Type 1
records in the batch.
Right justified, zero filled.
75 80 6 Mandatory
Reserved Alpha Blank filled. 81 120 40 Optional
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2.3. AU Domestic Payments CSV Detail Import
2.3.1. Overview
The Direct Entry CSV Detail Import file format allows a user to import a CSV file containing
payment details into an existing Domestic Payments batch or template.
2.3.2. CSV File Layout and Character Set
A valid CSV file consists of only one record type - Detail Record. Direct Entry detail items
will be created for each Detail Record in the CSV file.
The format specifications for the Detail Record is are outlined in detail further in this
document.
The following character set is allowed in a CSV file:
Fields that are marked ‘Alpha’ (Alphanumeric) in the ‘Type’ column are limited to:
o Letters: A-Z, a-z
o Numbers: 0-9
o The following Characters: spaces ( ) , ampersands (&), apostrophes (‘), commas (,) ,
hyphens (-), full stops (.), forward slashes (/), plus sign (+), dollar sign ($),
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 15 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.
e.g. SMITH John Alan.
2 32 Mandatory
BSB of account to
be CREDITED or
DEBITED
Numeric Bank/State/Branch number of the payee
account.
e.g. 013999.
3 6 Mandatory
Account number
to be CREDITED
or DEBITED
Alpha Numeric, alpha, hyphens & blanks are
valid. Right justified, blank filled.
Leading zeros that are part of an Account
Number must be included.
4 9 Mandatory
Amount to be
CREDITED or
DEBITED
Numeric Payment amount.
Decimal point optional and not implied.
5 11 (8 if
no
decimal is
used)
Mandatory
Lodgement
Reference
Produced on the
recipient’s
Account
Statement.
Alpha Payment reference indicating details of
the origin of the entry (e.g. payroll
number, policy number).
6 18 Mandatory
Page 16 of 118
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 17 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.
Can be used to match an existing NZ
domestic payments template (including
Restricted Templates). This only
applies to payments requiring web
authorisation.
10 12 Mandatory
Originator
Particulars
Alphanumeric Reference details which are captured
by the originator.
11 12 Optional
Originator
Analysis Code
Alphanumeric Reference details which are captured
by the originator.
12 12 Optional
Originator
Reference
Alphanumeric Reference details which are captured
by the originator.
13 12 Optional
Reserved - Field reserved for future use. 14 - Optional
Reserved - Field reserved for future use. 15 - Optional
Reserved - Field reserved for future use. 16 - Optional
3.2.4. Detail Record
One or more Detail Items can be included in a single NZ Domestic Payment batch.
Page 18 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
Mandatory
Transaction
Code
Numeric The transaction code for the item.
The following codes are available:
50 – Credit
52 - Credit
00 - Debit
3 2
Mandatory
Amount Numeric Amount must be less than or equal to
99999999.99
2 decimal places are implied (e.g.
$10.21 is recorded as 1021)
4 10
Mandatory
Other Party
Name
Alphanumeric Party Receiving Payment 5 32
Mandatory
Other Party
Particulars
Alphanumeric Other Party Statement Details 6 12
Optional
Other Party
Analysis Code
Alphanumeric Other Party Statement Details 7 12
Optional
Other Party
Reference
Alphanumeric Other Party Statement Details 8 12
Optional
Originator
Particulars
Alphanumeric Only applicable if Reporting Method is
"M". If blank, will populate with
Originator Particulars in Batch Header.
9 12
Optional
Originator
Analysis Code
Alphanumeric Only applicable if Reporting Method is
"M". If blank, will populate with
Originator Code in Batch Header.
10 12
Optional
Originator
Reference
Alphanumeric Only applicable if Reporting Method is
"M". If blank, will populate with
Originator Reference in Batch Header.
11 12
Optional
Reserved - Field reserved for future use. 12 - Optional
Reserved - Field reserved for future use. 13 - Optional
Reserved - Field reserved for future use. 14 - Optional
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 19 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 20 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 21 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 (carriage-
return/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.
The following codes are available:
50 – Credit
52 - Credit
00 - Debit
3 2 Mandatory
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
Other Party Statement Details
7 12 Optional
Other Party
Alpha
Reference
Alphanumeric
Not Used (but must be allowed for)
8 12 Optional
Other Party
Particulars
Alphanumeric Other Party Statement Details 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
Particulars
Alphanumeric Details on customer's Statement 13 12 Optional
Page 22 of 118
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 23 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 24 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 (carriage-
return/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.
06-0501-00123456-000 or
06050100123456000
bank-branch-account base- account suffix
The base number and suffix portions
should be RIGHT JUSTIFIED (i.e. zero-
filled to the left), e.g.
06-0501-0123456-02 (in 2-4-7-2 format)
must be represented as 06-0501-
00123456-002 (in 2-4-8-3 format).
2 20 Mandatory
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 25 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
Comments
1 Sending financial
institution
Mandatory Block 1 is mandatory and must begin with “{1: F01”
and end with “}”
Example for ANZ Australia: {1: F01 ANZBAU3MXXX}
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 26 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 27 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.
Must be provided in either sequence A or
B (but not in both) for Multibank
payments.
Optional
:50H: Ordering Customer Alpha 34 Funding account preceded by ‘/’. BSB
should be included where applicable.
Name and address need not be entered.
Must be provided in either sequence A or
B but not in both.
Optional for BSB to be included in either
tag 50H or 52A but mandatory to be
provided in either 50H or 52A.
Optional
:52A: Account Servicing
Institution
Alpha 11 SWIFT code pertaining to the funding
account of the payment.
May be provided in either sequence A or
B but not in both.
Must be provided in either sequence A or
B for Multibank payments.
If populating then provide:
• Optional national clearing
system code preceded by a
double slash (‘//’). 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.
Optional
:30: Requested
Execution Date
Numeric 6 The payment date in format YYMMDD
(e.g. 110101)
Mandatory
Page 28 of 118
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.
Applicable exchange reference if a
Multibank payment.
Mandatory if tag 36 is populated.
Optional
:23E:
Instruction Code Alpha –
Numeric
4 x 30 Specific instructions provided by the
ordering customer to the account
servicing institution.
The system will only accept up to four
instruction codes.
For RTGS NZ the instruction code ‘OTHR’
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..
Conditional
:32B: Currency and
Transaction
amount
Alpha –
Numeric
3 –
15
Payment currency and amount.
E.g. USD1234,56 (note ‘,’ convention)
Amount can be 0 if 33B is specified.
For payments in Currencies with no
decimal place, no values should be
provided after the decimal place (E.g.
JPY100,)
Mandatory
:50L: Instructing Party Alpha-
Numeric
35 Identifies the customer authorised by the
account owner to order the payment.
Used for Multibank payments only.
Must be provided in either sequence A or
B (but not in both) for Multibank
payments.
Optional
:50H: Ordering Customer Alpha 34 Funding account preceded by ‘/’. BSB
should be included where applicable.
Name and address need not be entered.
Must be provided in either sequence A or
B but not in both
Optional for BSB to be included in either
tag 50H or 52A but mandatory to be
provided in either 50H or 52A.
Optional
Page 29 of 118
Tag Field Description Type Length Notes Mandatory
/Optional
:52A: Account Servicing
Institution
Alpha 11 SWIFT code pertaining to the funding
account of the payment.
May be provided in either sequence A or
B but not in both.
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.
Optional
:56A:
OR
Intermediary
Institution
Alpha
11
Bank code of Intermediary bank. Can be
one of the following:
SWIFT BIC
Optional
:56C:
OR
Alpha 15 Domestic Clearing Code of Intermediary
bank, // followed by a two letter clearing
system code and party identifier
Eg. //XXnn..nn
Where XX is the country Clearing System
Code (See section 4.2.6)
:56D: Intermediary
Institution
(continued)
Alpha 5 x 35 Line 1: Bank code of Intermediary bank.
Can be one of the following:
▪ Clearing code (format //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 30 of 118
Tag Field Description Type Length Notes Mandatory
/Optional
:57A:
OR
Account With
Institution
Alpha
11
Bank code of beneficiary bank. Can be
one of the following:
SWIFT BIC
The following clearing codes are accepted
in 57A, however it is preferable that they
are used in field 57C:
BSB for RTGS AU (format
//AUnnnnnn)
BB for RTGS NZ (format
//NZnnnnnn)
Mandatory
:57C:
OR
Alpha
15
Domestic Clearing Code of beneficiary
bank, // followed by a two letter clearing
system code and party identifier
Eg. //XXnn..nn
Where XX is the country Clearing System
Code (See section 4.2.6)
:57D:
Alpha
5 x 35
Line 1: Bank code of beneficiary bank.
Can be one of the following:
BSB for RTGS AU (format
//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 ‘/’.
Lines 2-5: Name and address of the
payment beneficiary.
Mandatory
:70: Remittance
Information
Alpha 4x35 Details of payment. Optional
Page 31 of 118
Tag Field Description Type Length Notes Mandatory
/Optional
:33B: Funding currency
and amount
Alpha –
Numeric
3 –
15
Funding currency and amount.
E.g. AUD1234,56 (note ‘,’ convention).
Currency should match that of funding
account.
Amount can be 0 if 32B is specified.
Optional
:71A: Details of Charges Alpha 3 Must be ‘SHA’ for RTGS payments.
Must be ’SHA’ or ‘OUR’ for International
payments.
Must be ‘SHA’, ‘OUR’ or ‘BEN’ for
Multibank payments.
Mandatory
:36: Exchange Rate Numeric 12 Forward Exchange Contract or BID rate if
an international payment. Applicable
exchange rate if a Multibank payment.
Must be populated if 21F is populated. If
33B is present and 32B is non zero then
this tag must be present.
Optional
Note: Some standard SWIFT MT101 file format fields that are not used by ANZ Transactive
have been omitted from this document.
Page 32 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 33 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 34 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 Where field :57D: specified,
it is
mandatory to
provide the
International
Organization
for
Standardizati
on (ISO)
Country
code.
Optional
:57A:
OR
Account With
Institution
Alpha
11
Bank code of beneficiary bank.
Can be one of the following:
SWIFT BIC
BSB for RTGS (format
//AUnnnnnn)
Mandatory
:57C:
OR
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)
Page 35 of 118
: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 ‘/’.
Lines 2-5: Name and
address of the payment
beneficiary.
Mandatory
:70: Details of Payment Alpha 4 x 35 Four lines of information
OR
First Line RFB maximum of 16
characters and 3 lines thereafter a
maximum of 35 characters each)
E.g. :70:/RFB/Invoice 123
Optional
:71A: Details of Charges Alpha 3 Must be ‘SHA’ for RTGS payments.
Must be ’SHA’ or ‘OUR’ for
International payments.
Optional
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).
For example:
:21F:123456789
Optional
Page 36 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
For example:
:33B:5438,10
Optional
: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
For example:
:36:0,42
Optional
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 37 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 38 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).
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.)
One of fields
17 or 22
must be
populated
18 Bank Name Alphanumeric 35 Name of the bank to which the Optional
Page 39 of 118
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.
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).
One of fields
17 or 22
must be
populated
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:
• 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.
Optional
26 Deal Number 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
Page 40 of 118
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 Credit Amount Characters
0..9 and
decimal,
maximum 3
digits allowed
after decimal
14 +
decimal
Amount of payment to be utilized
per deal.
Not used by ANZ Transactive. For
future use.
Optional
28 Exchange Rate Characters
0..9 and
decimal.
There must
not be more
than 5 digits
before the
decimal and 4
digits after the
decimal.
9 +
decimal
The rate at which the foreign
currency was purchased from the
bank, as a part of the deal.
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.
Optional
29 Deal Numbers Alphanumeric 8 Only one deal is allowed to be
used.
Not used by ANZ Transactive. For
future use.
Optional
30 Credit Amount Characters
0..9 and
decimal,
maximum 3
digits allowed
after decimal
14 +
decimal
Amount of payment to be utilized
per deal.
Not used by ANZ Transactive. For
future use.
Optional
31 Exchange Rate Characters
0..9 and
decimal.
There must
not be more
than 5 digits
before the
9 +
decimal
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
Page 41 of 118
Field Field Description Type Length Notes Mandatory
/Optional
decimal and 4
digits after the
decimal.
32 Deal Numbers Alphanumeric 8 Only one deal is allowed to be
used.
Not used by ANZ Transactive. For
future use.
Optional
33 Credit Amount Characters
0..9 and
decimal,
maximum 3
digits allowed
after decimal
14 +
decimal
Amount of payment to be utilized
per deal.
Not used by ANZ Transactive. For
future use.
Optional
34 Exchange Rate Characters
0..9 and
decimal.
There must
not be more
than 5 digits
before the
decimal and 4
digits after the
decimal.
9 +
decimal
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
Page 42 of 118
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 43 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 44 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 45 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 46 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 47 of 118
5.3.2. BAI File Layout
The following table describes the layout of a BAI formatted file
Record
type
Record name Description/Notes Mandatory/
Optional
01 File Header Indicates the beginning of the file.
There is only one File Header record per BAI file
Mandatory
02 Group Header Identifies a group of accounts for each originating
financial institution per post date in the file.
There may be more than one Group Header record per
file. Additional Group Header records will follow the
Group Trailer (98) record of the previous group in the
file.
Optional
03 Account Identifier
and Summary Status
Identifies each account number and reports account
summary and account balance status items.
There will be one Account Identifier and Summary Status
record for each account number requested.
There may be many Account Identifier and Summary
Status records for each Group Header (02) record in the
file.
Optional
16 Transaction Detail Reports transaction detail.
There may be many Transaction Detail records for each
Account Identifier and Summary Status (03) record in
the file
Optional
88 Continuation Record Used if the data in any record exceeds the physical
record size (80 characters) or needs to be divided for
any reason.
There may be many continuation records in a BAI file.
Note: A continuation (88) record can follow any record
type, including another continuation (88) record. It will
not necessarily follow a transaction (16) record – it has
been included in here to illustrate a possible BAI file
layout only.
Optional
49 Account Trailer Provides account level control totals.
There will be one Account Trailer per Account Identifier
and Summary Status (03) record.
Optional
98 Group Trailer Provides group level control totals.
There will be one Group Trailer record per Group Header
(02) record.
Optional
99 File Trailer Indicates the end of the logical file.
There is only one File Trailer (99) record per BAI file.
Mandatory
Important: The above table depicts a simple BAI file layout with only one instance of each
record type. Some records may appear multiple times in a single BAI export – please refer
to Description/Notes above and the record formats that follow.
Page 48 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.
YYMMDD.
Mandatory
5 File Creation Time Server time and time-zone.
HHMM 24 hour format.
Mandatory
6 File Identification Number Identification number defined by the
sender. The number will be new for each
file with the same file creation date. Used
to identify uniquely those files transmitted
between a sender and a receiver on a given
date.
Mandatory
7 Reserved Not used by ANZ Transactive Optional
8 Reserved Not used by ANZ Transactive Optional
9 Version Number Always ‘2’. Mandatory
10 Delimiters Always ‘/’. Mandatory
Page 49 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.
YYMMDD
Mandatory
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.
The field is alphanumeric and includes
significant leading zeroes.
Mandatory
3 Currency Code Currency code from the item. Mandatory
Page 50 of 118
Field
Description Comments Mandatory / Optional
4 Type Code Identifies the type of summary of status data.
Default indicates that no status or summary
data are being reported.
Type Code Ranges:
010-099: Account status type codes
100: Total credits summary type code
101-399: Credit summary and detail type
codes
400: Total debits summary type code
401-699: Debit summary and detail type
codes
900-999: Customized type codes
Refer to Appendix A for full list of BAI codes
Optional
5 Amount Decimal places are implied based on Currency
Code.
Status amounts are signed positive + or
negative -. Default of sign is positive.
Summary amounts may only be positive or
unsigned. Default of field indicates that no
amount is being reported.
Optional
6 Item Count Integer field. Default is ‘unknown’.
For summary type codes only; will be
defaulted for status type codes.
Optional
7 Funds Type Always null Optional
8 Reserved Not used 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 51 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.)
Refer to Appendix A for full list of BAI codes
Mandatory
3 Amount Decimal places are implied based on the
Currency Code in the Group Header (02) or
Account Identifier (03) record.
Always positive (unsigned) and expressed
without a decimal.
Default indicates that no amount is being
reported.
Optional
4 Reserved Not Used 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 52 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.
If the preceding record ended within a text field, the text
continues in the 88 record. If the preceding record did
not end within a text field, the 88 record continues with
whatever field follows the final field in the preceding
physical record.
If a non-text field begins in one record, it will be
completed in that record. The following 88 record may
continue with the next field.
Optional
3 Delimiters Delimiters are the same as for the preceding record. If
the preceding physical record does not end within a text
field, it will end with the delimiter slash (/), even if the
following continuation (88) includes or begins with text.
If the preceding physical record ends within text that is
to be continued, no delimiter will be placed at the end of
that record.
Mandatory
5.3.8. 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.
The total does not include amounts reported
in Funds Type or Item Count fields.
This field includes the sign + or -
for the total.
If no sign precedes the total, the default is
positive.
Mandatory
3 Number of Records Integer. The total number of records in the
account, including the 03 records and all 16
and 88 records, and including this account
trailer 49 record.
Mandatory
Page 53 of 118
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 54 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 double-
quotes (“) and separated by a comma (,). Each record will end with CRLF (carriage-
return/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
Format DD-Mmm-YYYY (e.g. 01-Jan-2011)
Alpha Mandatory 11
2 Account Number
BSB and Account Number
Alpha Mandatory 20
Page 55 of 118
Field
Description Alpha /
Numeric
Mandatory / Optional
Max Size
3 Source of Account:
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.
Alpha Mandatory 8
4 Account Format
Indicates if there is a BSB present:
‘B’ if account has BSB
‘A’ if not
Alpha Mandatory 1
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
e.g. AUD
Alpha Mandatory 3
7 Opening Balance
Signed, decimal point present
Numeric Mandatory 24
8 Closing Balance
Signed, decimal point present
Numeric Mandatory 24
9 Debit Total
Unsigned, decimal point present
Numeric Mandatory 24
10 Number of Debits Numeric Mandatory 5
Page 56 of 118
Field
Description Alpha /
Numeric
Mandatory / Optional
Max Size
11 Credit Total
Unsigned, decimal point present
Numeric Mandatory 24
12 Number of Credits Numeric Mandatory 5
13 Debit Interest Rate
Always to 4 decimal places
Numeric Optional 7
14 Credit Interest Rate
Always to 4 decimal places
Numeric Optional 7
15 Overdraft Limit
Unsigned, decimal point present
Numeric Optional 20
16 Debit Interest Accrued
Unsigned, decimal point present
Numeric Optional 20
17 Credit Interest Accrued
Unsigned, decimal point present
Numeric Optional 20
18 CR Duty
Always ‘0’
Numeric Optional 20
19 Dr Tax Accrued
Not used – Always ‘0’
Numeric Optional 20
20 Next processing date
Format DD-Mmm-YYYY (e.g. 01-Jan-2011)
Alpha Optional 11
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
Format DD-Mmm-YYYY (e.g. 01-Jan-2011)
Alpha Mandatory 11
2 Account Number
BSB and Account Number
Alpha Mandatory 20
Page 57 of 118
Field
Description Alpha /
Numeric
Mandatory / Optional
Max Size
3 Source of Account:
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.
Alpha Mandatory 8
4 Account Format
Indicates if there is a BSB present in account number
in field 2:
‘B’ if account has BSB
‘A’ if not
Alpha Mandatory 1
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
E.g. AUD
Alpha Mandatory 3
7 Sub Account Name
Not used – Always NULL
Alpha Optional 16
8 Short Description of transaction
E.g. Cheque, Payment, Transfer etc.
Refer to Appendix A for full list
Alpha Mandatory 10
9 Reference
E.g. Cheque Number, Invoice Number etc.
Alpha
Optional 18
Page 58 of 118
Field
Description Alpha /
Numeric
Mandatory / Optional
Max Size
10 Transaction Amount
Signed, decimal point present
Numeric Mandatory 22
11 Narrative
160 character narrative.
If no narrative is available this will be set to literal “”
Alpha
Optional 160
12 Value Date
Format DD-Mmm-YYYY. (e.g. 01-Jan-2011)
Can be different to transaction date if backdated
Alpha Mandatory 11
13 Trace ID
ANZ Internal trace line
If no Trace ID is available this will be set to literal “”
Alpha Mandatory 20
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 “”
Alpha Mandatory 3
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 “”
Alpha Optional 10
Page 59 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 60 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.
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.
Alpha Mandatory 12
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.
Numeric/Alpha Mandatory 24
3 Statement Number
Consecutive number starting with 1 and reset at the start of a
new year.
Numeric Mandatory 5
4 Statement Date
Date transactions were posted to the account.
DD.MM.YY format (e.g. 01.01.11)
Alpha/Numeric Mandatory 8
5 ISO Currency Code
E.g. AUD for Australian Dollar Accounts
Alpha Mandatory 3
6 Beginning Balance
Signed, Opening Balance of this file. Decimal point present
Numeric Mandatory 18
7 Sum of Debits
Unsigned, total value of debits in this file. Decimal point
present
Numeric Mandatory 18
8 Sum of Credits
Unsigned, Total value of credits in this file. Decimal point
present
Numeric Mandatory 18
Page 61 of 118
Field
Description Alpha /
Numeric
Mandatory /
Optional
Max
Size
9 Balance bought forward
Signed, closing balance of this file. Decimal point present
Numeric Mandatory 18
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.
Alpha Mandatory 16
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 62 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
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.
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.
Alpha/Numeric Mandatory 12
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.
Alpha/Numeric Mandatory 24
3 Statement Number
Consecutive number starting with 1 and reset at the start of a
new year
Numeric Optional 5
4 Statement Date
Date transactions were posted to the account. Format
DD.MM.YY (e.g. 01.01.11)
Alpha/Numeric Mandatory 8
5 Not used by ANZ Transactive – Always NULL Alpha Optional 10
6 Note to Payee 1
Transaction Type.
Please refer to Appendix A for full list of transaction types
Alpha Optional 27
7 Not used 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
Signed, decimal point present
Alpha/Numeric Mandatory 18
12 Not used by ANZ Transactive – Always NULL Alpha Optional 5
Page 63 of 118
Field
Description Alpha /
Numeric
Mandatory /
Optional
Max
Size
13 Sequence Number
Always ‘0’
Numeric Mandatory 1
14 Booking date
Date of transaction. Format DD.MM.YY (e.g. 01.01.11)
Alpha/Numeric Mandatory 8
15 Not used by ANZ Transactive – Always NULL Alpha Optional 15
16 Not used by ANZ Transactive – Always NULL Alpha Optional 15
17 Note to Payee 2
18 character reference
Alpha Optional 27
18 Note to Payee 3
1
st
27 characters of the Long Statement Narrative
Alpha Optional 27
19 Note to Payee 4
2
nd
27 characters of the Long Statement Narrative
Alpha Optional 27
20 Note to Payee 5
3
rd
27 characters of the Long Statement Narrative
Alpha Optional 27
21 Note to Payee 6
4
th
27 characters of the Long Statement Narrative
Alpha Optional 27
22 Note to Payee 7
5
th
27 characters of the Long Statement Narrative
Alpha Optional 27
23 Note to Payee 8
6
th
27 characters of the Long Statement Narrative
Alpha Optional 27
24 Note to Payee 9
Not used by ANZ Transactive – Always NULL
Alpha Optional 27
25 Note to Payee 10
Not used by ANZ Transactive – Always NULL
Alpha Optional 27
26 Note to Payee 11
Not used by ANZ Transactive – Always NULL
Alpha Optional 27
27 Note to Payee 12
Not used by ANZ Transactive – Always NULL
Alpha Optional 27
28 Note to Payee 13
10 character Aux Dom.
Alpha Optional 27
29 Note to Payee 14
Trace ID of the transaction
Alpha Optional 27
30 Not used 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
See Appendix A for full list of transaction codes
Note: In some cases Transaction codes can be NULL.
Numeric Optional 3
35 For legacy purposes this field will contain the Transaction codes
for:
ANZ MIDANZ accounts
ANZ New Zealand foreign currency accounts
Other ANZ Accounts
Non-ANZ accounts
NULL for other account types
See Appendix A for full list of transaction codes
Alpha Optional 3
Page 64 of 118
Page 65 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 66 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
Description/Notes Alpha / Numeric Mandatory /
Optional
Size
Position
Identifier Header
Always ‘1’
Numeric
Mandatory 1 1
Description Description of items
Always ‘Returned Items’
Left-justified, blank-filled
Alpha
Mandatory 30 2–31
Item Type Always ‘Direct Entry’ Alpha Mandatory 12 32–43
Version Version No. of file format
Always ‘0001’
Right-justified, zero-filled.
Numeric
‘0001’
Right-justified,
zero-filled.
Mandatory 4 44–47
Date Date returned item(s) processed
DD-MM-YYYY format. (e.g.01-
01-2011)
Alpha / Numeric
Mandatory 10 48–57
Reserved Blank Filled Alpha Mandatory 257 58–314
5.9.3. 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
Mandatory /
Optional
Size
Position
Identifier Item Type identifier
‘2’ = Returned Credit
‘3’ = Returned Debit
Numeric
Mandatory 1 1
Return Date Date item was returned by Account
Holder’s Financial Institution
DD-MM-YYYY format. (01-01-2011)
Numeric
Mandatory 10 2–11
Account Name Client-defined name of account to
which Returned Items are directed.
Left-justified, blank-filled
Alpha /
Numeric
Mandatory 16 12–27
BSB Number Bank/State/Branch No. of account to
which Returned Items are directed
Numeric Mandatory 6 28–33
Account Number Account No. of account to which
Returned Items are directed
Right-justified, blank-filled
Alpha /
Numeric
Mandatory 21 34–54
Reserved Blank-filled Alpha Mandatory 14 55–68
Page 67 of 118
Field Description/Notes Alpha /
Numeric
Mandatory /
Optional
Size
Position
Lodgement Date Date the item was initially submitted
DD-MM-YYYY format. (01-01-2011)
Numeric
Optional 10 69–78
Lodgement
Reference
Lodgement Reference Field data as
initially submitted
Right-justified, blank-filled
Alpha /
Numeric
Mandatory 18 79–96
Remitter Name of Remitter Field data as
initially submitted
Left-justified, blank-filled
Alpha /
Numeric
Mandatory 16 97–112
Target Account
Name
Account Name as initially submitted
Left-justified, blank-filled
Alpha /
Numeric
Mandatory 32 113–144
Target Account
BSB
BSB of returned transaction as initially
submitted
Numeric Mandatory 6 145–150
Target Account
Number
Account No. of returned transaction as
initially submitted
Right-justified, blank-filled
Alpha/Numeric
Mandatory 21 151–171
Amount Amount of item with decimal point
Right-justified, zero-filled
Numeric,
unsigned
Mandatory 14 172–185
Return Reason
Text
Reason for the returned item Alpha /
Numeric
Mandatory 60 186–245
Return Reason
Code
Code to identify the reason for the
return
Refer to 5.9.8 for full list of return
reason codes
Alpha or
Numeric
Mandatory 3 246–248
User
Identification
Number
User Identification Number under
which returned item was lodged
Right-justified, zero-filled
Numeric
Mandatory 6 249–254
Reserved Blank filled Alpha Mandatory 6 255–260
Reserved Blank filled Alpha Mandatory 21 261–281
Transaction
Identifier
System Identification No. allocated to
returned item
Zero-filled
Alpha/Numeric
Mandatory 12 282–293
Reserved Blank-space filled Alpha Mandatory 21 294–314
5.9.4. 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
Always ‘9’
Numeric
Mandatory 1 1
Item
count
Sum of Detail Records
Right-justified, zero-filled
Numeric
Mandatory 9 2–10
Page 68 of 118
Value
Total
Sum of value of Detail Records with
decimal point
Right-justified, zero-filled
Numeric
Mandatory 16 11–26
Reserved Blank-space filled Alpha Mandatory 288 27–314
5.9.5. Header Record – Returned Cheques
The following table describes the format of the Header Record for returned cheques
Field Description/Notes Alpha / Numeric Mandatory /
Optional
Size
Position
Identifier Header
Always ‘1’
Numeric
Mandatory 1 1
Description Description of items
Always ‘Returned Items’
Alpha
Left-justified, blank-
filled
Optional 30 2–31
Item Type Always ‘CHEQUE’
Left-justified, blank-filled
Alpha
Optional 12 32–43
Version Version no. of file format
Always ‘0001’
Right-justified, zero-filled
Numeric
Mandatory 4 44–47
Date Date returned item processed
DD-MM-YYYY format. (e.g. 01-01-
2011)
Numeric
Mandatory 10 48–57
Reserved Blank-space filled Alpha Mandatory 257 58–314
Page 69 of 118
5.9.6. Detail Record – Returned Cheques
The following table describes the format of the Detail Record for returned cheques:
Field Description/Notes Alpha / Numeric Mandatory /
Optional
Size
Position
Identifier Item Type identifier
Always ‘4’ (Cheque)
Numeric
Mandatory 1 1
Return Date Date item was returned by
Drawer’s financial institution
DD-MM-YYYY format. (e.g. 01-
01-2011)
Numeric
Mandatory 10 2–11
Deposit
Account Short
Name
Name of account to which
returned cheques were
deposited.
Left-justified, blank-filled
Alpha / Numeric
Mandatory 16 12–27
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
Right-justified, blank-filled
Alpha / Numeric
Mandatory 21 34–54
Deposit Amount Total amount of deposit with
decimal point
Right-justified, zero-filled
Numeric, unsigned
Decimal point
Right-justified, zero-
filled
Mandatory 14 55–68
Deposit Serial
No.
Agent no. specified on deposit
[if present]
Right-justified, blank-filled
Numeric
Optional 13 69–81
Deposit Date Date the item was initially
deposited.
Numeric
DD-MM-YYYY format.
Hyphens are a fixed
component
Mandatory 10 82–91
Cheque number Cheque serial no Numeric
Right-justified, zero-
filled
Mandatory 9 92–100
Reserved Blank filled Alpha Mandatory 11 101–111
Drawer Account
name
Account name linked to
returning cheque
Left-justified, blank-filled
Alpha / Numeric
Mandatory 60 112–171
Drawer Account
BSB
BSB of returned cheque Numeric Mandatory 6 172–177
Drawer Account
number
Account number of the returned
cheque
Right-justified, blank-filled
Alpha/numeric
Mandatory 21 178–198
Amount Amount of cheque with decimal
point
Right-justified, zero-filled,
unsigned
Numeric,
Mandatory 14 199–212
Return Reason
Text
Reason for the returned item
Left-justified, blank-filled
Alpha / Numeric
Mandatory 60 213–272
Return Reason
Code
Code to identify the reason for
the return
Refer to 5.9.9 for full list of
return reason codes
Alpha or Numeric
Mandatory 3 273–275
Page 70 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
Right-justified, blank-filled
Alpha/Numeric
Mandatory 21 282–302
Transaction ID
Number
System identification number
allocated to returned cheque
Right-justified, blank-filled
Alpha/Numeric
Mandatory 12 303–314
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
Mandatory /
Optional
Size
Position
Identifier Always ‘9’ Numeric
Mandatory 1 1
Item
count
Sum of Detail Records
Right-justified, zero-filled
Numeric
Mandatory 9 2–10
Value
Total
Sum of value of Detail Records with
decimal point
Right-justified, zero-filled
Numeric
Mandatory 16 11–26
Reserved Blank-space filled Alpha Mandatory 288 27–314
5.9.8. 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 71 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 72 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 73 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 Alpha /
Numeric
Mandatory /
Optional
Max
Length
Page 74 of 118
Field Description/Notes Alpha /
Numeric
Mandatory /
Optional
Max
Length
Corporate ID CMS ID (Account Group identifier
for Bank Use Only)
If account number begins with 06,
populate with 666666 else,
populate with 111111.
Numeric Mandatory 6
Account
Number
Identifies the account.
If account is 20 digits, export in
format “BB-BBBB-AAAAAAAAAA-
SSSS” (with quotes).
Otherwise, export in format “BB-
BBBB-AAAAAAA-SS” (with quotes)
Alphanumeric Mandatory 25
Opening
Balance
Opening Balance amount for the
account
Preceded by sign (- for debit,
blank for credit) + 9 numeric +
Decimal Point + 2 Decimal Places
Numeric Mandatory 13
Total Debit
Transactions
The total amount of all the debit
transactions on the account
Preceded by sign (- ) + 9 numeric
+ Decimal Point + 2 Decimal
Places
Numeric Optional 13
Total Credit
Transactions
The total amount of all the credit
transactions on the account
9 numeric + Decimal Point + 2
Decimal Places
Numeric Optional 13
Closing Balance Closing Balance amount for the
account
Preceded by sign (- for debit,
blank for credit) + 9 numeric +
Decimal Point + 2 Decimal Places
Numeric Mandatory 13
Transaction
Date
Date transaction occurred
In format DD/MM/YYYY (with
quotes)
Alphanumeric Mandatory 10
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
Page 75 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
Populate with 3
Numeric Mandatory 1
Corporate ID CMS ID (Account Group identifier
for Bank Use Only)
If account number begins with 06,
populate with 666666 else,
populate with 111111.
Numeric Mandatory 6
Account
Number
Identifies the account.
If account is 20 digits, export in
format “BB-BBBB-AAAAAAAAAA-
SSSS” (with quotes).
Otherwise, export in format “BB-
BBBB-AAAAAAA-SS” (with quotes)
Alphanumeric Mandatory 25
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
e.g. 000 = debit
Numeric Mandatory 3
Source Code The Type of transaction
e.g. AP = Automatic Payment
(with quotes)
Alphanumeric Optional 2
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.
In format DD/MM/YYYY (with
quotes)
Alphanumeric Mandatory 10
Null Empty Field N/A Mandatory 0
Null Empty Field N/A Mandatory 0
Page 76 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
Populate with 5
Numeric Mandatory 1
Corporate ID CMS ID (Account Group identifier
for Bank Use Only)
If account number begins with 06,
populate with 666666 else,
populate with 111111.
Numeric Mandatory 6
Account
Number
Identifies the account.
If account is 20 digits, export in
format “BB-BBBB-AAAAAAAAAA-
SSSS” (with quotes).
Otherwise, export in format “BB-
BBBB-AAAAAAA-SS” (with quotes)
Alphanumeric Mandatory 25
Opening
Balance
Opening Balance amount for the
account
Preceded by sign (- for debit,
blank for credit) + 9 numeric +
Decimal Point + 2 Decimal Places
Numeric Mandatory 13
Null Empty Field (with quotes) N/A Mandatory 0
Null Empty Field (with quotes) N/A Mandatory 0
Particulars Populate with “OPENING
BALANCE” (with quotes)
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.
In format DD/MM/YYYY (with
quotes)
Alphanumeric Mandatory 10
Null Empty Field N/A Mandatory 0
Null Empty Field N/A Mandatory 0
Null Empty Field N/A Mandatory 0
Page 77 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
Populate with 6
Numeric Mandatory 1
Corporate ID CMS ID (Account Group identifier
for Bank Use Only)
If account number begins with 06,
populate with 666666 else,
populate with 111111.
Numeric Mandatory 6
Account
Number
Identifies the account.
If account is 20 digits, export in
format “BB-BBBB-AAAAAAAAAA-
SSSS” (with quotes).
Otherwise, export in format “BB-
BBBB-AAAAAAA-SS” (with quotes)
Alphanumeric Mandatory 25
Closing Balance Closing Balance amount for the
account
Preceded by sign (- for debit,
blank for credit) + 9 numeric +
Decimal Point + 2 Decimal Places
Numeric Mandatory 13
Null Empty Field (with quotes) N/A Mandatory 0
Null Empty Field (with quotes) N/A Mandatory 0
Particulars Statement Details
Populate with “CLOSING
BALANCE” (with quotes)
Alphanumeric Mandatory 17
Null Empty Field (with quotes) N/A Mandatory 0
Null Empty Field (with quotes) N/A Mandatory 0
Short Name The client account name. 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.
In format DD/MM/YYYY (with
quotes)
Alphanumeric Mandatory 10
Null Empty Field N/A Mandatory 0
Null Empty Field N/A Mandatory 0
Null Empty Field N/A Mandatory 0
Page 78 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
Populate with 8.
Numeric Mandatory 1
Corporate ID CMS ID (Account Group identifier
for Bank Use Only)
If account number begins with 06,
populate with 666666 else,
populate with 111111.
Numeric Mandatory 6
Account
Number
Identifies the account.
If account is 20 digits, export in
format “BB-BBBB-AAAAAAAAAA-
SSSS” (with quotes).
Otherwise, export in format “BB-
BBBB-AAAAAAA-SS” (with quotes)
Alphanumeric Mandatory 25
Total Amount of
Transactions for
the account
Preceded by sign (- for debit,
blank for credit) + 9 numeric +
Decimal Point + 2 Decimal Places
Numeric Mandatory 13
Number of
transactions
The total number of (Cr and Dr)
transactions for the account and
date.
Numeric Mandatory 6
Transaction
Code
The Code given to the transaction
as identification.
Populate with 000 for Debits and
050 for Credits. This field should
correspond to the field below.
Numeric Mandatory 3
Particulars Populate with either “DEBITS” or
“CREDITS” (with quotes).
This field should correspond to the
field above.
Alphanumeric Mandatory 17
Null Empty Field (with quotes) N/A Mandatory 0
Null Empty Field (with quotes) N/A Mandatory 0
Null Empty Field (with quotes) N/A Mandatory 0
Transaction
Date
Date transaction occurred.
In format DD/MM/YYYY (with
quotes)
Alphanumeric Mandatory 10
Null Empty Field N/A Mandatory 0
Null Empty Field N/A Mandatory 0
Null Empty Field N/A Mandatory 0
Page 79 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
Populate with 9
Numeric Mandatory 1
Corporate ID CMS ID (Account Group identifier
for Bank Use Only)
Populate with 999999
Numeric Mandatory 6
Account
Number
In format BB-BBBB-AAAAAAA-SS
Populate with “99-9999-9999999-
99” (with quotes)
Alphanumeric Mandatory 25
Total Amount of
Transactions for
All Accounts for
the date
Preceded by sign (- for debit,
blank for credit) + 9 numeric +
Decimal Point + 2 Decimal Places
Numeric Mandatory 13
Number of
transactions
Total number of (Cr or Dr)
transactions for all accounts for
the date.
Numeric Mandatory 6
Transaction
Code
The Code given to the transaction
as identification.
Populate with 000 for Debits and
050 for Credits. This field should
correspond to the field below.
Numeric Mandatory 3
Particulars Statement Details
Populate with either “DEBITS” or
“CREDITS” (with quotes). This field
should correspond to the field
above.
Alphanumeric Mandatory 17
Null Empty Field (with quotes) N/A Mandatory 0
Null Empty Field (with quotes) N/A Mandatory 0
Null Empty Field (with quotes) N/A Mandatory 0
Transaction
Date
Date transactions occurred.
In format DD/MM/YYYY (with
quotes)
Alphanumeric Mandatory 10
Null Empty Field N/A Mandatory 0
Page 80 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 81 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 82 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 83 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 84 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 85 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 86 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 87 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 Funds Transfer (SDSC)
- CR
208 070 4100 OS REMIT OFFSHORE TT RECEIVED
208 070 4120 OS TT SENT OFFSHORE TT REMITTED
208 089 100 OB CR OVERSEAS BILL
208 089 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 88 of 118
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 Direct Credit (SDMC) -
CR
354 057 155 DEB INT DEBENTURE/NOTE INTEREST
354 057 * DEB INT Cash Management Online Direct Credit (SDMC) -
CR
354 057 * DEB INT DEBENTURE/NOTE INTEREST
354 097 * 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 Direct Credit (SDMC) -
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 89 of 118
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 Direct Credit (SDMC) -
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 Direct Credit (SDMC) -
CR
399 054 * PENSION PENSION/SUPERANNUATION
399 055 * ALLOTMENT Cash Management Online Direct Credit (SDMC) -
CR
399 055 * ALLOTMENT SERVICE ALLOTMENT
399 055 * MISC CR UNIDENTIFIED CHANNEL CODE - "wildcard"
Page 90 of 118
BAI
Code
Transaction
Code
AUXDOM
Transaction
Type
Description
399 056 * DIVIDEND Cash Management Online Direct Credit (SDMC) -
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 91 of 118
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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 92 of 118
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Transaction
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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 Direct Debit (SCMD) -
CR
399 * * BPAY Cash Management Online Bill Pay (SDSC) -CR
399 * * BPAY Cash Management Online Multiple Bill Pay
(SDMC) - CR
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 Pay anyone (SDSC)
– CR
399 * * PAYANYONE Cash Management Online Multiple Pay anyone
(SDMC) - CR
399 * * PAYMENT Cash Management Online Direct Credit (SCMD) –
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 Direct Credit (SDMC) –
CR
399 * * TRANSFER Cash Management Online Direct Debit (SCMD) -
CR
Page 93 of 118
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Transaction
Type
Description
399 * * TRANSFER Cash Management Online Multiple Funds Transfer
– 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 Funds Transfer (SDSC)
- DR
508 000 9074 INT/RTGS Cash Management Online -International/RTGS
508 008 9074 INT/RTGS Cash Management Online -International/RTGS
508 029 4100 OS REMIT OFFSHORE TT RECEIVED
508 029 4120 OS TT SENT OFFSHORE TT REMITTED
508 049 4100 OS REMIT OFFSHORE TT RECEIVED
508 049 4120 OS TT SENT OFFSHORE TT REMITTED
512 029 100 LC DR DRAWING OR CHARGE UNDER LETTER OF CREDIT
Page 94 of 118
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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 95 of 118
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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 96 of 118
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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 97 of 118
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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 98 of 118
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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 99 of 118
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Code
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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 Direct Credit (SDMC) -
DR
699 * * BPAY Cash Management Online Bill Pay(SDSC) DR
699 * * BPAY Cash Management Online Multiple Bill Pay
(SDMC) - DR
699 * * CARD ENTRY BRANCH CARD DEPOSIT
699 * * CARD ENTRY BRANCH CARD WITHDRAWAL
699 * * CARD ENTRY BRANCH CARDHOLDER TRANSFER DR
Page 100 of 118
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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 Pay anyone (SDSC)-
DR
699 * * PAYANYONE Cash Management Online Multiple Pay anyone
(SDMC) - DR
699 * * PAYMENT Cash Management Online Direct Credit (SDMC) -
DR
699 * * PAYMENT Cash Management Online Direct Debit (SCMD)
DR
699 * * PAYMENT PAYPLUS DEBIT
699 * * PAYMENT VISION PLUS DEBIT
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 Multiple Funds Transfer
- DR
699 * * TRANSFER INTERNET BANKING DEBIT TRANSFER
699 * * WITHDRAWAL BRANCH - CASH WITHDRAWAL
Note: * indicates a wild-card
Page 101 of 118
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 102 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 103 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 104 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 105 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 106 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 Funds Transfer (SDSC)
- CR
299 23 * TELCAB CST TELEPHONE/CABLE COST
354 67 * INTEREST INTEREST
373 52 * PAY/SALARY
Cash Management Online Direct Credit (SDMC) -
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 107 of 118
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 108 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 109 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
399 50 * PAYMENT
Cash Management Online Direct Credit (SDMC) -
CR
399 50 * FUNDS CR
Cash Management Online Direct Debit (SCMD) -
CR
399 50 * FUNDS CR
Cash Management Online Direct Debit (SCMD) -
CR
475 18 * TRAVRS CHQ TRAVELLERS CHQS
Page 110 of 118
BAI Code
Transaction
Code AUXDOM
Transaction
Type Description
506 36 * TFR DEBIT
Cash Management Online Funds Transfer
(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 111 of 118
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 112 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 113 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 114 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 115 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
699 00 * FUNDS DR
Cash Management Online Direct Credit (SDMC) -
DR
699 00 * PAYMENT
Cash Management Online Direct Debit (SCMD)
DR
Page 116 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 117 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 118 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.
