Upload a file to create direct debits

ABA stands for Australian Banking Association.

• Most accounting and payroll software packages enable you to create .aba files, which consist of payment details.
• Ask your accountant for more information about how to create .aba files.

• Click the "Browse" button and locate your .aba file from your computer.
• When the file is uploaded correctly it will appear in the "File location" field.
• Click "Continue"

Please note that it is your responsibility to ensure you have uploaded the correct file.

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The "Direct debit" page will display each user ID along with the following details:

• Account number: displays the account number linked to the user ID. This account will be credited when you process a direct debit transaction.
• Limit: displays the maximum amount of funds that can be debited per cycle, as specified at registration.
• Cycle: the cycle is the length of time during which you can debit no more than the specified limit, i.e. daily, weekly, and monthly, etc.
• Remaining: displays the remaining direct debit limit for the current cycle.
• Current cycle end date: displays the end date for the current cycle.

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Ensure the correct user ID is selected, using the radio buttons under the "Select" column.

• Click "Continue".

This will again display a summary of the direct debit user ID information.

• Click "Continue" if you wish to use this ID to create the direct debit batch.
• Otherwise click on the "Cancel" button.

Please note that the multiple direct debit payments will all be processed as one credit to your selected account. You cannot select multiple accounts.

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The direct debit details are displayed including the user ID, credit account and direct debit client details from the imported file.

• You can remove the clients from the list and/or edit the amount if necessary.

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• Transfer date: choose the date on which you want the payments to be credited to your chosen account. To enter the date you can either:
  • select the calendar icon and click on the date required, or
  • enter the date in the format DD/MM/YYYY (e.g. 22/02/2010).

• Remember all the payments will be processed as one credit to your chosen account on this specified date so you only need to enter the date once. The date must be within the next 30 days.

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• Your/Business name: enter either your own name or the name of your business if appropriate. The name you enter:
  • will appear on the client/debtor's statement so ensure it makes your identity clear to the client/debtor.
  • must only contain letters (no special characters eg. _/@#%^*).

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The payment details from your .aba file will populate the payments list.

• If you want to add more payments please follow steps 5-7 from the create direct debits manually page.
• If you need to remove a payment click the "Remove" button on the right of the list.
• You can also change the payment amount if necessary by clicking in the amount box and editing it as needed.

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You can save payment lists as a template to make future direct debits quicker.

• To save the list as a template check the box and enter a template name that you will easily identify for future use.

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• When you are happy with the list of payments, the "From" account selected and the transfer date click "Continue".

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Review all your information to ensure it is correct. If information is incorrect it may result in an unsuccessful transfer or the wrong payee receiving funds.

• If you notice mistakes select "Back" and re-enter the correct details following steps 1-10.

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• When you are happy with the information entered click "Confirm". This will complete the transfer and a confirmation message will display.

ANZ Internet Banking for Business Operators can click "Request authorisation" to submit the transfer to the relevant Authoriser or Administrator for approval.

• Find out more about authorising transactions

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• Your lodgement receipt is displayed to confirm that your transaction has been submitted successfully.
• This does not mean the transaction will be processed successfully as that is dependent on the details you have entered being accurate and sufficient available funds being in the account from which the payment is to be made.
• Please make a note of the receipt number and lodgement number for your own records.

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When you are making direct debits it is your responsibility to ensure the details you provide are correct.

• We do not check that the details provided by you are correct.
• Pending transfers will expire if not approved by the appropriate number of Authorisers within the selected payment authorisation period.
• You must ensure that the details in the payment instructions provided by you are correct or all or part of the debit may be unsuccessful or made to an unintended account.
• Direct debits requested before 6.00pm (AEST) on a bank business day will be processed to the account on the same day.
• Direct debits requested after this time may be processed on the following bank business day.
• An immediate direct debit or a direct debit to be processed today cannot be deleted or cancelled after it is fully authorised.
• You can stop future direct debit payments if necessary.
• If you wish to delete a future dated payment, the request must be lodged with ANZ Internet Banking prior to 12.00am (midnight AEST) on the day prior to the payment date.
• Please note that you cannot edit a future payment.
• You must delete and then re-submit a new payment.

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Direct debit is a facility that allows you to draw funds electronically from debtors. It's a fast and efficient way to manage your cash flow and finances.

• This service is ideal for any business that receives regular payments from the same clients.
• Direct debits are processed by lodging a direct debit file with ANZ.
• Your ANZ account is bulk credited and your clients' accounts are debited.

Yes. Even if you have registered for an ANZ Internet Banking for Business you must apply for the direct debits facility.

• If you are interested in applying for this facility you must contact your ANZ Relationship Manager for further information.
• You cannot apply for this facility online.

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A direct debit facility can be activated within ANZ Internet Banking for Business if you are a relationship managed/business banking managed customer with a dedicated ANZ Relationship Manager or ANZ Business Banking Manager to look after your account.

• You must apply for the direct debit facility with your ANZ Relationship Manager or ANZ Business Banking Manager.
• If approved a direct debit user ID will be created for you and linked to your ANZ Internet Banking for Business.

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Yes. There is a once-off direct debit user ID establishment fee of $200+GST.

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No. The direct debit limit is independent of the daily Pay Anyone limit.

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The minimum limit for a direct debit facility is $5,000.

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No. Once set up the direct debit facility is valid until the specified expiry date; however a direct debit limit is renewed every cycle. 

• The cycle can be daily, weekly, fortnightly or monthly.

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If you exceed your direct debit limit for your pre-determined cycle, ANZ Internet Banking for Business will reject the payment.

• You will need to wait for the new cycle to process any other direct debit payments.
• You can also request a limit increase through your ANZ Relationship Manager.

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Yes. You can view the returned items associated with the direct debit payments done and the reason the item was returned (e.g. incorrect account or BSB, insufficient funds, etc) on the "Direct debit" menu.

• If you have any issues with this or for further assistance, please contact ANZ Internet Banking for Business team on 1800 269 242 between 8.00am to 8.00pm (AEST), Monday to Friday excluding public holidays.

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Use the table below to check return codes and reasons.

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Yes. You can make changes to the uploaded payment file before authorising the transaction.

• Clients can be added, removed or have their payment amount altered.

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The standard cut-off time for processing direct debit payments is 6.00pm (AEST) on a bank business day.

• Any payments processed after this time will be processed on the next bank business day.

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With the direct debit facility you will receive the credit as soon as the direct debits are processed.

• After this point we will debit the money from your clients/debtors in the batch.
• The transaction information on the credit will appear the same day the payment is sent for processing.

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No. Direct debits cannot be set up as recurring transactions.

• They can either be immediate or future dated.
• The date must be within the next 30 days.
• If you need to debit the same client's account on a regular basis, you can save the payments as a direct debit template, which can be used every time you make a transaction.

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You can stop future dated direct debit transaction via the "Future payments/transfers" section under the "Pay and transfer" menu.

To delete future dated payments/transactions, the request must be lodged with ANZ Internet Banking prior to 12.00am (midnight AEST) on the day prior to the payment/transfer date.

• Find out more about deleting future payments/transfers

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Yes. Operators are permitted to perform file uploads from accounting software packages.

• The authorisation of the payment is then done by the Authorisers or Administrators having appropriate authority on the account.

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The payment file needs to be in the aba file format, which can be recognised by the file extension .aba.

• Example is June subscription.aba.
• This file type complies with the Australian Payments Clearing Association's Direct Entry format.
• ABA files can be created via common accounting software packages, saved to a particular location and imported using the "Browse" function within the "Upload a payment file" page.

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You will need the following information before you upload a payment file from any accounting software:

• Bank ID: ANZ
• APCA/Direct User ID: any six digit number (000000)
• Balancing Items Required: No

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The ABA File consist of the payment details with client's account details, reference number, amount to be debited, your account details, etc. The ABA files must consist of the following three sections:

• Header record section
• Detail records section
• File total record section.

Please note that the aba file is a fixed width format therefore any unused character positions must be filled with spaces.

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Payee/employees/clients lists and payment templates are available to all Administrators and Authorisers in ANZ Internet Banking for Business as this information is held at the business level.

• Administrators can, however, restrict Operators from having access to payee lists for Pay Anyone, payroll or payment templates or direct debit functions.

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