<?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.directdebit1.02.01.module" attributeFormDefault="unqualified" elementFormDefault="qualified" xmlns:xsd="http://www.w3.org/2001/XMLSchema" xmlns:ddebit1.02.01="http://sbr.gov.au/comnmdle/comnmdle.directdebit1.02.01.module" xmlns:tech.01.02="http://sbr.gov.au/fdtn/sbr.01.02.tech" xmlns:link="http://www.xbrl.org/2003/linkbase" xmlns:pyin.02.00="http://sbr.gov.au/icls/py/pyin/pyin.02.00.data" 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.directdebit1.02.01.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.02.00.labLink.xml" xlink:role="http://www.xbrl.org/2003/role/labelLinkbaseRef" xlink:arcrole="http://www.w3.org/1999/xlink/properties/linkbase"/>
      <link:linkbaseRef xlink:type="simple" xlink:href="../icls/py/pyin/pyin.02.00.refLink.xml" xlink:role="http://www.xbrl.org/2003/role/referenceLinkbaseRef" xlink:arcrole="http://www.w3.org/1999/xlink/properties/linkbase"/>
      <link:roleType roleURI="http://sbr.gov.au/comnmdle/comnmdle.directdebit1.02.01/defRole" id="ddebit1.02.01.directdebit1defLink">
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        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
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  <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.02.00.data" schemaLocation="../icls/py/pyin/pyin.02.00.data.xsd"/>
  <xsd:element name="DirectDebit" id="RT774" substitutionGroup="xbrli:tuple" nillable="true">
    <xsd:complexType>
      <xsd:sequence>
        <xsd:element minOccurs="0" ref="pyin.02.00:PaymentMechanism.DirectDebitAccount.Identifier"/>
        <xsd:element minOccurs="0" ref="pyin.02.00:PaymentMechanism.DirectDebitName.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>
