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My direct debit returned items

If a direct debit is unsuccessful it will appear in your returned items list. It may be unsuccessful due to the client/debtor having insufficient funds, the client details being incorrect or your direct debit limit being exceeded.

If you are unsure why certain items have been returned contact your ANZ Relationship Manager.

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

Frequently asked questions

Use our faqs to find out more about direct debit returned items.

Yes. You can view the returned items associated with the direct debit payments done via your ANZ Internet Banking for Business and the reason the item was returned (e.g. incorrect account or BSB, insufficient funds, etc) on the "Set up business Direct debit" page.

  • 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 6.00pm AEST, Monday to Friday excluding public holidays.

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

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

You can view up to 30 returned items on a page.

  • If you have more than 30 items, please use the "Next" button to view the remaining items of direct debits returns items.
Direct Debit Return Codes & 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

The details page for the returned item show the following details for the item that you have selected:

Details of returned item

  • Date returned: the date the item is returned/dishonoured. Your account is debited for the transaction amount on this date.
  • Amount: indicates the amount of the returned item.
  • Reason: displays the return code for the reason the item is dishonoured.

Account details

  • This section includes the account number and account name of the "From account" and the "To account".


  • Reference number: the reference number for the returned item.
  • Lodgement date: the date the direct debits were processed into our account.
  • Actioned: indicates "Yes" if the item has been actioned by you or "No" if the item needs to be actioned. You can change the by selecting the relevant links.

The exported file will be in a standard CSV file format with the following details downloaded for each returned item:

  • returned date
  • originating account number
  • originating account name
  • lodgement reference for the returned item
  • lodgement date for the direct debits
  • target account number
  • target account name
  • returned amount
  • return reason.