<?xml version="1.0" encoding="UTF-8"?>
<!-- Disclaimer: http://www.sbr.gov.au/content/taxonomy_introduction_3_0.htm#Disclaimer -->
<xsd:schema targetNamespace="http://sbr.gov.au/comnmdle/comnmdle.directcredit1.02.02.module" elementFormDefault="qualified" xmlns:xsd="http://www.w3.org/2001/XMLSchema" xmlns:directcredit1.02.02="http://sbr.gov.au/comnmdle/comnmdle.directcredit1.02.02.module" xmlns:tech.01.02="http://sbr.gov.au/fdtn/sbr.01.02.tech" xmlns:pyin.02.03="http://sbr.gov.au/icls/py/pyin/pyin.02.03.data" xmlns:link="http://www.xbrl.org/2003/linkbase" xmlns:fininstacc1.02.00="http://sbr.gov.au/comnmdle/comnmdle.financialinstitutionaccount1.02.00.module" xmlns:xlink="http://www.w3.org/1999/xlink" xmlns:xbrli="http://www.xbrl.org/2003/instance">
	<xsd:annotation>
		<xsd:appinfo>
			<link:linkbaseRef xlink:type="simple" xlink:href="comnmdle.directcredit1.02.02.defLink.xml" xlink:role="http://www.xbrl.org/2003/role/definitionLinkbaseRef" xlink:arcrole="http://www.w3.org/1999/xlink/properties/linkbase"/>
			<link:linkbaseRef xlink:type="simple" xlink:href="../icls/py/pyin/pyin.02.03.labLink.xml" xlink:role="http://www.xbrl.org/2003/role/labelLinkbaseRef" xlink:arcrole="http://www.w3.org/1999/xlink/properties/linkbase"/>
			<link:roleType roleURI="http://sbr.gov.au/comnmdle/comnmdle.directcredit1.02.02/defRole" id="directcredit1.02.02.directcredit1defLink">
				<link:definition>comnmdle_directcredit1</link:definition>
				<link:usedOn>link:definitionLink</link:usedOn>
			</link:roleType>
		</xsd:appinfo>
	</xsd:annotation>
	<xsd:import namespace="http://www.xbrl.org/2003/instance" schemaLocation="http://www.xbrl.org/2003/xbrl-instance-2003-12-31.xsd"/>
	<xsd:import namespace="http://sbr.gov.au/fdtn/sbr.01.02.tech" schemaLocation="../fdtn/tech.sbr.01.02.xsd"/>
	<xsd:import namespace="http://sbr.gov.au/comnmdle/comnmdle.financialinstitutionaccount1.02.00.module" schemaLocation="comnmdle.financialinstitutionaccount1.02.00.module.xsd"/>
	<xsd:import namespace="http://sbr.gov.au/icls/py/pyin/pyin.02.03.data" schemaLocation="../icls/py/pyin/pyin.02.03.data.xsd"/>
	<xsd:element name="DirectCredit" id="RT729" substitutionGroup="xbrli:tuple" nillable="true">
		<xsd:complexType>
			<xsd:sequence>
				<xsd:element minOccurs="0" ref="pyin.02.03:PaymentMechanism.DirectCreditAccount.Identifier"/>
				<xsd:element minOccurs="0" ref="pyin.02.03:PaymentMechanism.DirectCreditName.Text"/>
				<xsd:element ref="fininstacc1.02.00:FinancialInstitutionAccount"/>
			</xsd:sequence>
			<xsd:attribute name="id" use="optional" type="xsd:ID"/>
		</xsd:complexType>
	</xsd:element>
</xsd:schema>
