Create direct debits manually

ANZ Internet Banking for Business customers can use our direct debits tool to draw funds electronically from debtors.

To create a direct debit batch manually:

  • Go to the "Direct debit" menu.
  • Select the "Create direct debit payment manually" link and follow the steps below.
Before creating direct debits
  • Your business must be registered for the direct debit facility as part of your ANZ Internet Banking for Business package. 
  • To do this, contact your ANZ Relationship Manager.
  • Your direct debit limit applies.
Step 1 - View the user ID list

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.
Step 2 - Select the relevant user ID

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.
Step 3 - Enter the transfer date

The common direct debit details are displayed including the user ID and credit account.

  • Transfer date: choose the date on which you want the payments to be debited from 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.

Step 4 - Fill in your business name
  • Your/Business name: enter either your own name or the name of your business. The name you enter:
    • will appear on the client's statement so ensure it makes your identity clear to the client.
    • must only contain letters (no special characters eg. _/@#%^*).
Step 5 - Select the client

From: choose the client/debtor you wish to debit, using the drop down list.

Create direct debits manually - client detail

If you do not have any clients/debtors saved you can click the "Maintain clients" button to add new clients.

Step 6 - Fill in the transfer amount section
  • Reference: enter a short reference or message for the clients/debtors.
    • The clients/debtors will see this reference on their statement so make sure it clearly identifies the purpose of the payment.
  • Amount: enter the amount to transfer in dollars and cents with a decimal point.
    • For example one thousand dollars would be "1000.00" – Do not include the "$" sign.

When you are happy with the details you've entered, click the "Add to list" button.

  • The payment will now display in the list.

Make multiple Pay Anyone payments - transfer amount section

Step 7 - Add more payments (if applicable)
  • To add more payments to the list repeat steps 5-6.

Each time you click "Add to list" the payment details will display in the list.

  • 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.
Step 8 - Save as a template (if applicable)

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.

Create direct debits manually - save as template

Step 9 - Click "Continue"

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

Step 10 - Review your information

Review all your information to ensure it is correct. If information is incorrect it may result in an unsuccessful transfer or the wrong client's account being debited.

  • If you notice mistakes select "Back" and re-enter the correct details following steps 1-10.
Step 11 - Confirm your transfer
  • 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.

Step 12 - View your lodgement receipt
  • 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.
Important notes

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.

Need more help?

Use our faqs to find out more about creating direct debits manually.

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.
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.
Are there any fees associated with direct debit facility?

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

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

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

What is the minimum limit for direct debit facility?

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

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.
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.
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 (International callers: +61 3 8699 6906) between 8.00am to 8.00pm (AEST), Monday to Friday excluding public holidays.
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
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.
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.
Am I able to direct debit Statutory Trust accounts?

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

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.
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.
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.
Can I set up recurring direct debit transactions?

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.
How do I stop a future direct debit transaction?

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.

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.