skip to log on skip to main content
VoiceOver users please use the tab key when navigating expanded menus

Upload a file to create direct debits

The direct debits file upload tool in ANZ Internet Banking allows you to import an aba file, which consists of multiple payment details created using your accounting software.

  • Once the aba file is imported, the payments will be populated so you can easily create direct debits from them.

How do I upload a file to create direct debits?

ANZ Internet Banking for Business customers can import a payment file to create direct debits. To upload a file for direct debits:

  • Go to the "Set up business Direct debits" menu.
  • Click on the "Import file" link and follow the steps below.

Step 1 - Create your .aba file

ABA stands for Australian Banking Association.

  • Most accounting and payroll software packages enable you to create .aba files, which consist of payment details.
  • Ask your accountant for more information about how to create .aba files.

Step 2 - Locate and upload your .aba file

  • Click the "Browse" button and locate your .aba file from your computer.
  • When the file is uploaded correctly it will appear in the "File location" field.
  • Click "Continue"

Please note that it is your responsibility to ensure you have uploaded the correct file.

Step 3 - 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 4 - Select the relevant user ID

Ensure the correct user ID is selected, by selecting "Select".

  • 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.

Please note that the multiple direct debit payments will all be processed as one credit to your selected account. You cannot select multiple accounts.

Step 5 - Check the direct debit details

The direct debit details are displayed including the user ID, credit account and direct debit client details from the imported file.

  • You can remove the clients from the list and/or edit the amount if necessary.

Step 6 - Enter the transfer date

Transfer date (one-off transfer): choose the date on which you want the payments to be credited to your chosen account. You can either:

  • Select "Today" if the payments are due today or if the payments are due later, select "Later" and then 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 7 - Fill in your business name

Your/Business name: enter either your own name or the name of your business if appropriate. The name you enter:

  • will appear on the client/debtor's statement so ensure it makes your identity clear to the client/debtor.
  • must only contain letters (no special characters eg. _/@#%^*).

Step 8 - Add more payments (if applicable)

The payment details from your .aba file will populate the payments list.

  • If you want to add more payments please follow steps 5-7 from the Create direct debits manually page.
  • 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 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 payee receiving funds.

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

Step 11 - Confirm your payment

  • 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 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 Melbourne time 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 11.59pm Melbourne time 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.

Is your security software up to date?

Need more help?

Choose another topic from the table of contents

Send us a SecureMail

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.

Frequently asked questions

Use our frequently asked questions to find out more about uploading direct debit files.

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.

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.

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.

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

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

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.

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.

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 "Set up business 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 6.00pm AEST, Monday to Friday excluding public holidays.

Use the table below to check return codes and reasons.

Direct debit error codes
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

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.

The standard cut-off time for processing direct debit payments is 6.00pm Melbourne time on a bank business day.

  • Any payments processed after this time will be processed on the next bank business day.

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.

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.

You can stop future dated direct debit transaction via the "Manage future payments/transfers" section under the "Payments" menu.

To delete future dated payments/transactions, the request must be lodged with ANZ Internet Banking prior to 11.59pm Melbourne time on the day prior to the payment/transfer date.

Find out more about deleting future payments/transfers

  • Yes. Operators are permitted to perform file uploads from accounting software packages.
  • The authorisation of the payment is then done by the Authorisers or Administrators having appropriate authority on the account.
  • The payment file needs to be in the aba file format, which can be recognised by the file extension .aba.
  • Example is June subscription.aba.
  • This file type complies with the Australian Payments Clearing Association's Direct Entry format.
  • ABA files can be created via common accounting software packages, saved to a particular location and imported using the "Browse" function within the "Upload a payment file" page.

You will need the following information before you upload a payment file from any accounting software:

  • Bank ID: ANZ
  • APCA/Direct User ID: any six digit number (000000)
  • Balancing Items Required: No
  • Payee/employees/clients lists and payment templates are available to all Administrators and Authorisers in ANZ Internet Banking for Business as this information is held at the business level.
  • Administrators can, however, restrict Operators from having access to payee lists for Pay Anyone, payroll or payment templates or direct debit functions.
  • The ABA File consist of the payment details with client's account details, reference number, amount to be debited, your account details, etc. The ABA files must consist of the following three sections:
  • Header record section
  • Detail records section
  • File total record section.
  • Please note that the aba file is a fixed width format therefore any unused character positions must be filled with spaces.

Use the table below to find out about the header section of an aba file.

Header section of aba file
Field No. of characters Character position Mandatory Description
Record type 1 1 Yes Value must be '0'
Not in use 29 2-30 No Leave blank
Name of user supplying file 26 31-56 Yes Must not be blank. Alphanumeric. i.e. Your/Business Name
Not in use 6 57-62 No Leave blank
Description of entries on File 12 63-74 Yes Must not be blank. Alphanumeric. i.e. Payments 06
Not in use 46 75-120 No Leave blank

Use the table below to find out about the detail records section of an aba file.

Detail records section

No. of




Mandatory Description
Record type 1 1 Yes Value must be '1'
Client BSB number 7 2-8 Yes Value must be numeric, and must contain a hyphen in 4th position i.e. 345-888
Client account number 9 9-17 Yes Value must be numeric i.e. '123456'
Not in use 1 18 No Leave blank
Transaction code 2 19-20 Yes Value must be '50'
Amount 10 21-30 Yes Value must be greater than zero i.e. for $300.25 enter '0000030025'
Client account name 32 31-62 Yes Value must not be blank. Alphanumeric.
Client message/ reference 18 63-80 Yes Value must not be blank. Alphanumeric.
Not in use 32 81-112 No Leave blank

Use the table below to find out about the file total record of an aba file.

File total record section
Field No. of characters Character position Mandatory Description
Record type 1 1 Yes Value must be '7'
Not in use 19 2-20 No Leave blank
File net total amount 10 21-30 Yes Value must equal the sum of Amount in the Detailed records. i.e. for $300.25 enter '30025'
File credit total amount 10 31-40 Yes Value must equal 'File Net Total Amount' i.e. for $300.25 enter '30025'
File debit total amount 10 41-50 Yes Value must be '0'
Not in use 24 51-74 No Leave blank
File total count 6 75-80 Yes Value must be the number of rows in the Detailed records.
Not in use 40 81-120 No Leave blank