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Cash management

ANZ Thai, in connection with ANZ Group and  in partnership with one of Asia's largest banks, offers you a wide network for your cash management needs. We are committed in delivering innovation to stream-line your processes and allow you to focus on your business.

ANZ offers a wide suite of ready and customised solutions to help you manage your business cash flow, liquidity and investment through:

  • Managing idle balances and access to innovative investment solutions across a range of key currencies
  • Achieving efficiencies in domestic and international transaction-related processes and systems
  • Minimising transaction fees
  • Providing specialist knowledge and direct access to the Asia Pacific, Australian and New Zealand markets, supporting your regional growth aspirations.

Speak to your relationship manager or contact us to learn how ANZ's cash management solutions can help you reach your business goals.

Our cash management includes

We understand the business you operate in and that real-time information is important in your decision making process.

ANZ provides you with a wide range of deposits for your business needs, and real-time access to these deposits for effective cash flow management. You can also opt for automated reconciliation to streamline your accounting processes using our reporting functions.



  • Dedicated Relationship Manager
  • Simple account opening process
  • A wide-range of accounts suitable for all business needs
  • Maximisation of returns on your surplus funds.

ANZ provides a wide range of deposit accounts to support your day-to-day operations and yield enhancement on surplus funds.

Current Accounts are available in THB (with cheques), AUD, CHF, CNY, EUR, GBP, HKD, JPY, NZD, SGD, USD.Time Deposits are available in USD.

Time Deposits are available in THB, AUD, CNY, EUR, GBP, HKD, JPY, NZD, SGD, USD.

Overdraft facilities on your current accounts are available to support your working capital needs.

Thai Baht deposits of Thai resident depositors are insured by the Deposit Protection Agency for up to amount as stipulated by the law in aggregate per depositor per scheme member as required by law. Deposit in non-residence baht account, foreign currency deposits, dual currency investments, deposits with embedded derivatives and other investment products are not insured.



  • Real-time updates
  • Effective cash-flow forecasting and management
  • Convenient single logon to your account information.

Visibility of your balances and transaction details in real-time enables you to manage your cash-flow more effectively.

Balances from other local and overseas banks can be reported in ANZ Transactive using our MT940 reporting service.



  • Perform reconciliations anytime
  • Automate reconciliations to save time.

Bank reconciliation is made easy - even with multiple bank accounts. Reports are available in real-time online so you can perform reconciliations anytime. ANZ Transactive enables you to automate reconciliations by uploading reports into your accounting system.

We understand that managing your receivables is key to maintaining a healthy cashflow. ANZ offers a suite of products and services to accelerate your collections and streamline your collection processes, allowing you to focus on your business through efficient and timely collection.

In addition to our own capabilities, ANZ also has extensive relationships with alliance banks which can assist in implementing a full range of Receivables solutions tailor-made for corporate customers such as:


Cash transit

  • Suitable for companies with high volumes of cash receipts
  • Do away with visits to the branch
  • Secure transportation

ANZ Cash Transit gives you peace of mind on your cash deposits. We will collect your cash takings and securely transport them to ANZ for deposit.


Direct debit collection

  • Suitable for companies with regular collections from the same payors such as those that collect monthly fees
  • Reduce time spent on manual cheque collection
  • Free up working capital with timely collection
  • Reduce debt collection efforts.

Direct Debit allows you to take control of your collections. By leveraging ANZ relationship with alliance banks within Thailand, you can ensure that payments are received in a timely manner.

Your payees will have to sign and submit Direct Debit Authorisation form. Once linkage is approved, you initiate the collection by submitting instructions to us.

We understand that timely payments are key to maintaining good supplier relationships and continual supply. ANZ's secure and user friendly online platform allows you to initiate and track your payments with ease anytime, anywhere.

ANZ's payment solutions free you from manual processes of your local and overseas payments. An extensive range of ready and customised solutions are available that are relevant to your business needs.



  • Suitable for companies with high value THB local payments
  • Same day crediting into your payee’s account

Transfer your funds within Thailand in a speedy and secure manner with Bahtnet payment. Bahtnet payment is ideal for companies with high value or urgent THB payment requirements.

You can initiate Bahtnet payment instructions through ANZ Transactive with the use of repetitive templates or file upload from your accounting system.



  • Suitable for companies with recurrent high volume, low-value transactions such as salary and dividend payments
  • Do away with manual creation of payment vouchers
  • Eliminate cheque preparation and enveloping efforts
  • No need to keep track of unpresented cheques and sufficient funds upon presentation

Enjoy cost efficiencies by converting your salary payments to SMART Payment. Instead of cutting multiple cheques, you simply submit a single file to ANZ for your local payment.

You can also opt for a file upload service where a payment file can be exported from your accounting or payroll system and uploaded into ANZ Transactive for processing.


Cheque payment

  • Suitable for companies with a preference for cheque issuance and high volume of cheque payments
  • Do away with manual creation of payment vouchers
  • Eliminate cheque preparation and enveloping
  • No need to keep track of unpresented cheques and sufficient funds upon cheque presentation

We issue cashier’s orders to your suppliers on your behalf along with the payment details. The service enables you to free up resources involved in cheque preparation and dispatching.


ANZ remittance services

  • Reliable and timely settlement
  • Do away with manual payments
  • Reduce enquiries from suppliers regarding payment status.

ANZ offers you timely and efficient payment to overseas suppliers using various payment instruments such as telegraphic transfers and demand drafts.

You may also streamline your payment processes by submitting your telegraphic transfer instructions via ANZ Transactive through use of templates or file upload.

ANZ Transactive – Simplifying and connecting your transaction banking.

ANZ Transactive is a convenient web-based transaction banking platform providing convenient access to Cash Management and Trade functionality. It is designed with a simple and user friendly interface to reduce the complexities you face in your day-to-day operations.

ANZ Transactive comes with the following modules for your day-to-day operations:


Account management

  • Real-time updates
  • Single logon to your account information
  • Improved visibility and effective cash-flow management.

ANZ Transactive gives you real-time access to the bank balances and transaction details of your local and overseas ANZ accounts. Arrangements can also be made for your accounts at other financial institutions to be reported into ANZ Transactive via ANZ's MT940 reporting service.



  • Free up resources from manual processes
  • Easily scalable to cater for business expansion
  • Reduced errors
  • Mitigate exposure to fraud in manual transactions.

With the use of payment templates, time is saved and error rates are reduced for your recurring payments.



  • Standard and customised reports available
  • Real time access to view the status of your active trade instruments.

ANZ Transactive allows you to create, submit and track trade transactions. You can also generate reports about your organisation's trade activities.

ANZ Transactive supports the creation of transactions for the following instrument types:

  • Import and Export Letter of Credit
  • Standby Letter of Credit
  • Guarantees
  • Trade loans



  • Standard and customised reports available
  • Automate reconciliation.

You can download both standard and customised reports from ANZ Transactive. The reports are available in both csv and pdf formats. They can be extracted regularly for archival as well as uploaded into your accounting system for automated bank reconciliation.



Security tips

Important security tips for safe online banking

  • Access your bank website only by typing the url in the address bar of your browser.
  • Do not click on any links in any email message to access the site.
  • ANZ Bank never sends email and embedded links asking you to update or verify personal, confidential and security details. Never respond to such emails/phone calls/sms if you receive them.
  • Look out for any unusual changes to your login screen or login procedure when you use internet Banking (e.g. a change in login process (additional step), change in font, unusual pop-ups etc. it may be a link to the phishing site.
  • Do not share your Login ID & password with anyone.


Tips to improve your internet security

  • Download up to date antivirus software and scan your computer regularly.
  • Update your computer with newer version of Operating System (e.g Windows) with latest security patches.
  • Update your computer with latest version of browsers.
  • Enable the firewall & antivirus in your computer.
  • Change your internet banking password at periodic intervals.
  • Always check the last login date and time in the post login page.
  • Avoid accessing internet banking accounts from cyber cafes or shared PCs.
  • Download updates to browser and browser plug-ins regularly.
  • Avoid visiting unknown and unsecured websites.
  • Do not open unknown or suspicious attachments, even if they are from senders you know.
  • Check transactions carefully on ANZ Transactive before you approve them.
  • Please do not respond to emails or phone calls claiming to be from the bank and asking you for your password or security token codes. The bank will never phone you or send you emails asking for your password or security token codes.

To learn more about ANZ cash management, please contact us.