Direct debits - business customers

ANZ Internet Banking for Business customers can use our direct debits tool to draw funds electronically from debtors. It's a fast and efficient way to manage your cash flow and finances.

  • To set up the service you'll need to contact your ANZ Relationship Manager.

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FAQs

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Use our faqs to find out more about the direct debit facility for ANZ Internet Banking for Business customers.

What is the direct debits facility?

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.
Do I need to apply for direct debit facility?

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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How do I set up a direct debit facility within ANZ Internet Banking for Business?

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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Are there any fees associated with direct debit facility?

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

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Is the direct debit limit inclusive of the Pay Anyone limit?

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

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What is the minimum limit for direct debit facility?

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

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Do I need to reapply for this facility each month?

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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My limit is $10,000. What happens if I exceed my limit?

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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Can I see returned items associated with the direct debit payments?

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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What are the direct debit return codes and corresponding reasons?

Use the table below to check return codes and reasons.

Return code Return reason
1 Invalid BSB number
2 Payment stopped
3 Account closed
4 Customer deceased
5 No account or incorrect account number
6 Refer to customer
7 Not Applicable (NA)
8 Invalid user ID number
9 Technically invalid

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Can I make changes to an ABA file I have imported, before requesting authorisation?

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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What is the cut-off time for processing direct debit payments?

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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Am I able to direct debit Statutory Trust accounts?

No. Statutory Trust accounts cannot be used for direct debits.

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If I send the direct debit batch on a Monday when do I get the funds in my account?

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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How do I know if a direct debit dishonours on an account?

If a direct debit payment dishonours, it will be debited from your account as soon as ANZ is notified of it.

  • The dishonoured amount should be debited within 1-2 bank business days from the direct debit processing day as the debits from the customer/debtor's account should only occur at this time.
  • You can check the details of these returned items in the "Direct debit" menu.

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What can I do on the "Direct debit" menu?

You can:

  • Create a direct debit batch manually: allows you to individually enter the details of each direct debit client.
  • Import a file: allows you to import a direct debit file in aba format that will be used for the direct debit transaction.
  • Create a direct debit batch using a template: allows you to use an existing direct debit template to populate direct debit payments.
  • View returned items: allows you to see any direct debit payments that were dishonoured.
  • Manage templates: allows you to create, edit, copy, rename, delete and set up direct debit templates.
  • Manage client list: allows you to edit the list of clients that use for direct debits.

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Need more help?

For further assistance please call the ANZ Internet Banking team on 13 33 50 (International callers: +61 3 9683 8833) 24 hours a day, seven days a week.

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