STRAIGHT THROUGH

PROCESSING
FORMATTING GUIDELINES FOR NEW ZEALAND
 FORMATTING GUIDELINES FOR
NEW ZEALAND
ANZ provides financial institution clients sophisticated and efficient
Straight Through Processing (STP) facilities.
We aim to achieve the highest possible STP rate on incoming payments.
The key to STP is placing the correct information, in the appropriate format,
in the applicable fields defined by SWIFT guidelines.
By using the formatting in this guide, financial institutions can reduce
the possibility of payment errors, subsequent enquiries and increase
their STP rate.
For further information please refer to the SWIFT User Handbook current
at the time of issuance.

KEY / NOTES

M/O - Mandatory or Optional SWIFT field (according to SWIFT Guidelines)

NOTES

1) ANZ NZD Nostro Account number formats are always 6 numeric digits followed by “NZD00001” e.g. /123456NZD00001

DISCLAIMER

a) These guidelines are provided by ANZ to assist our Correspondents achieve straight through processing (STP) of their payments and to reduce the likelihood of errors and
manual checks, due to formatting of payment instructions. Other factors may affect the ability of a payment to STP, including, lack of covering funds, the quoting of incorrect
details in the payment instruction and any anti-money laundering and/or counter-terrorism financing payment filtering issues.

b) These Guidelines are a general guide and exclude payments sent to beneficiaries outside of New Zealand. Please refer to your ANZ NZD Account Manager should you require
guidelines for payments to beneficiaries outside of New Zealand.

c) ANZ expressly disclaims any responsibility and shall not be liable for any loss, damage, claim, liability, proceedings, cost or expense arising directly or indirectly and whether in
tort (including negligence), contract, equity or otherwise out of or in connection with this document.

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MT200 FINANCIAL INSTITUTION TRANSFER FOR ITS OWN ACCOUNT
TAG M/O FIELD NAME FORMAT REMARKS
20 M Transaction Reference 16x This field must not start or end with a slash “/” or contain a double slash
Number “//”.
32A M Value Date, Ccy, 6!n3!a15d
Amount
53B O Sender’s (/1!a)(/34x) (35x) This field is required if either:
Correspondent
i) there is a multiple account relationship, and therefore it is required to
identify the debit account; or
ii) the BIC11 of the Sending Bank is not the owner of the account held with
the receiver
(e.g. The Sending Bank is a branch of the account owner and has debit
authority)
If required:
>> Quote the account number of the account to be debited.
>> If an NZD account this should always be a 6 digit number followed by
“NZD00001” (e.g. 123456NZD00001).
Please note, if you are intending to debit an account where you are not
the account holder, ANZ must hold the appropriate debit authority from
the account holder prior to receiving any payments. If no authority is in
place it will result in a delay in processing of your payment.
56A O Intermediary A Option A is the required option for STP purposes.
57A M Account With A Requirement is to use option A using only a valid SWIFT BIC for the
Institution Account With Institution. A list of valid SWIFT codes is provided at the rear
of this document.
Errors completing this field are the main reason for payments failing to
STP
72 O Sender to Receiver 6*35x Use of this field will prevent STP
Information

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 MT202 GENERAL FINANCIAL INSTITUTION TRANSFER
TAG M/O FIELD NAME FORMAT REMARKS
20 M Transaction Reference 16x This field must not start or end with a slash “/” or contain a double slash
Number “//”.
21 M Related Reference 16x
13C O Time Indication /8c/4!n1!x4!n
32A M Value Date, Ccy, 6!n3!a15d
Amount
52A O Ordering Institution A
53A O Sender’s A This field is required if either:
Correspondent
i) there is a multiple account relationship, and therefore it is required to
identify the debit account; or
ii) the BIC11 of the Sending Bank is not the owner of the account held
with the receiver
(e.g. The Sending Bank is a branch of the account owner and has debit
authority)
If required:
>> Quote the account number of the account to be debited.
>> If an NZD account this should always be a 6 digit number followed by
“NZD00001” (e.g. 123456NZD00001).
Please note, if you are intending to debit an account where you are not
the account holder, ANZ must hold the appropriate debit authority from
the account holder prior to receiving any payments. If no authority is in
place it will result in a delay in processing of your payment.
54A O Receiver’s A Option A is the required option for STP purposes.
Correspondent
56A O Intermediary A Option A is the required option for STP purposes.
57A O Account With A For a payment to an account at ANZ:
Institution
>> This field is not required.
>> If your system is required to populate the field, quote the SWIFT BIC
for ANZ (ANZBNZ22).
For a payment to an account at another bank:
>> Option A is required for STP purposes
>> Use a valid SWIFT BIC for the Account With Institution.
Errors completing this field are the main reason for payments failing to STP.
58A M Beneficiary Institution A Option A is the required option for STP purposes.
For a payment to an account at ANZ:
>> On the first line quote the complete account number without any
spaces preceded with a “/”.
>> The second line should contain the SWIFT BIC documented as owner
of the account.
For a payment to an account at another bank:
>> Quote the SWIFT BIC of the beneficiary bank to be credited.
72 O Sender to Receiver 6*35x Use of this field will prevent STP.
Information

Note: MT 202 COV

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MT103 SINGLE CUSTOMER CREDIT TRANSFER
TAG M/O FIELD NAME FORMAT REMARKS
20 M Sender's Reference 16x This field must not start or end with a slash “/” or contain a double slash
“//”.
13C O Time Indication /8c/4!n1!x4!n
23B M Bank Operation Code 4!c The codeword “CRED” should be used, unless the sending bank is
sending payments covered by a SWIFT Service Level Agreement.
23E O Instruction Code 4!c(/30x)
26T O Transaction Type Code 3!c
32A M Value Date/ Ccy/ 6!n3!a15d
Interbank Settled
Amount
33B O Currency/ Instructed 3!a15d
Amount
36 O Exchange Rate 12d Mandatory when currency codes in Field 32A and 33B are different.
50A M Ordering Customer F Option F is preferred for STP.
To comply with the AML guidelines, Field 50 must contain:
i. Ordering customer account number; in the absence of an account
number - a unique reference number; and
ii. Ordering customer full name; and
iii. F ull Business/Residential Address of the ordering customer (Where
the address is unavailable, or includes a P.O Box, the address may be
substituted with a national identity number, customer identification
number, or date and place of birth).
P.O. Boxes (and variants thereof) are not considered acceptable based
on AML/CTF guidance.
52A O Ordering Institution A
53A O Sender’s A This field is required if either:
Correspondent
i) there is a multiple account relationship, and therefore it is required to
identify the debit account; or
ii) the BIC11 of the Sending Bank is not the owner of the account held
with the receiver
(e.g. The Sending Bank is a branch of the account owner and has debit
authority)
If required:
>> Quote the account number of the account to be debited.
>> If an NZD account this should always be a 6 digit number followed by
“NZD00001” (e.g. 123456NZD00001).
Please note, if you are intending to debit an account where you are not
the account holder, ANZ must hold the appropriate debit authority from
the account holder prior to receiving any payments. If no authority is in
place it will result in a delay in processing of your payment.
54A O Receiver’s A Option A is the required option for STP purposes
Correspondent
55A O Third Reimbursement A Option A is the required option for STP purposes
Institution
56A O Intermediary A Option A is the required option for STP purposes.
Institution
This field should only be used for payments to beneficiaries domiciled
outside NZ.
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 TAG M/O FIELD NAME FORMAT REMARKS
57A O Account With A Preference is to use option A using only a valid SWIFT BIC for the
Institution Account With Institution. A list of valid SWIFT codes is provided at the
rear of this document.
Alternatively, options C or D may be used, provided the first line contains
a valid NZ NCC, i.e. “//NZ” followed by the 6 digit bank and branch
number, e.g. “//NZ010102”
Errors completing this field are the main reason for payments failing
to STP
59A M Beneficiary Customer No letter The no letter option is preferred for STP purposes.
The first line should start with “/” and quote the complete 15/16 digit
account number, including the 6 digit bank and branch number.
The second line should contain the beneficiary account name and
address.
The account number will take precedence over the beneficiary name.
70 O Remittance 4*35x
Information
71A M Details of Charges 3!a One of the following codes must be used - BEN/ OUR / SHA.
71F O Sender’s Charges 3!a15d If Field 71A = BEN , then Field 71F is mandatory to indicate the charges
deducted by the Sender. Currency must be the same as the currency in
Field 32A.
71G O Receiver’s Charges 3!a15d Optional only if Field 71A is OUR.
72 O Sender to Receiver 6*35x Use of this field will prevent STP.
Information
The use of SWIFT (or bilaterally agreed) codewords is recommended.
77B O Regulatory Reporting 3*35x

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SWIFT BIC CODES FOR MAJOR NZ CLEARING BANKS
FINANCIAL INSTITUION SWIFT BIC CODE
ANZ Bank New Zealand Limited ANZBNZ22
ASB Bank ASBBNZ2A
Bank of New Zealand BKNZNZ22
Citibank NA CITINZ2X
Hong Kong and Shanghai Banking Corporation HSBCNZ2A
JPMorgan Chase Bank, N.A. CHASNZ2A
Kiwibank KIWINZ22
Kookmin Bank CZNBNZ2A
National Nominees Limited NATANZ22
Rabobank RABONZ2W
TSB Bank Limited TSBANZ22
Westpac Banking Corporation WPACNZ2W

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ANZ Bank New Zealand Limited. Item No. 86542 07.2015 W449133

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