The following information is current as at 1 March 2013 and is subject to change.

Service charges apply when the specific service is used, and are in addition to account transaction charges. They are detailed below.

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Fees and charges

Replacement statement
Item Charge
Replacement statement $4
Debit and EFTPOS card fees

Debit Card standard fees

Item Charge
EFTPOS card fee No charge
Visa Debit card fee $10 p.a. (free with an ANZ Freedom account)

Debit Card Non-Standard fees

Item Charge
Replacement card $15
Urgent card delivery Courier fee (domestic and international)
'My Photo' Card No charge

Optional service fees

Item Charge
Currency conversion charge applies to foreign transactions 2.5% of the NZD amount

Includes transactions through the MasterCard Maestro and Visa PLUS networks.
ATM fees
Item Charge

ANZ ATM fee
 

Transaction fees may apply.

 No charge
 

Non-ANZ ATM fee
 

Applies to each successful withdrawal, transfer or balance transaction at ASB, ATM Plus*, BNZ, HSBC, Kiwibank, NZ ATMs*, NZCU and Westpac ATMs. Charged in addition to normal transaction fees.

* Independent ATM networks.

 $1

Overseas ATM fee
 

Applies to withdrawals from everyday and savings accounts. Banks and other financial institutions who own overseas ATMs may charge a fee for using them.

 $5
ANZ Mobile Phone Banking
Item Charge

Monthly access fee

  • TXT Banking
  • M-Banking
 No fee

Account alerts

  • To receive an alert
  • To set up a new alert
  • To change or cancel an alert
 No fee
Account transfers No fee*

*Transaction fees will still apply to pay as you go accounts, such as ANZ Classic Account and ANZ Business Current Account. Mobile provider charges apply to ANZ Mobile Phone Banking.
Automatic payments (AP) – fees per AP

Set Up

Item Charge
Via staff in branch, over telephone or Bank Mail $5
Through Internet Banking No charge

Alterations to payments

Item Charge
Via staff in branch, over telephone or Bank Mail $5
Through Phone Banking No charge
Through Internet Banking No charge

 
Bill payments (BPs) – fees per BP

Set up

Item Charge
Via staff in branch, over telephone or Bank Mail $5
Through Internet Banking No charge
Alterations to payee details $5

Note: no fees are charged to delete an Automatic Bill Payment via staff in branch, telephone, Bank Mail or Internet Banking.
Cheque fees
Cheque Deposit Charge
Cheque Clearance Fee $0.25 per cheque

Applies to all cheque deposits into business accounts. One free cheque per business day may be deposited in to the ANZ Business Premium Call account.

Item Charge
Stopped cheques $15
Special Answer fee $25

The Special Answer Fee is waived for ANZ customers seeking to deposit an ANZ cheque into their ANZ everyday or savings account. 

Image dishonour re-presentation fee

Item Charge
Re-presentation of a dishonoured cheque No charge
Bank Cheque Charge
Issue/Replacement $5

 
Same day cleared payment
Item Charge
Same day cleared payment (SCP) $25

 
Cash Handling Fee
Item Charge
Deposits less than $3,000 per business processing day Waived
Deposits of $3,000 and over per business processing day 0.25% of total cash deposited

(Applies to cash deposits into business accounts.)
Other Bank Deposits
Item Charge

Other Bank Deposit fee
 

(Cash Handling and Cheque clearance fees may apply.)

 $15

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Overdrafts and overdrawing your account

Personal overdrafts and overdrawing your account

Overdraft Application fee 

Item Charge
Overdraft Application fee $25

This applies to new overdraft applications and applications to increase existing limits.

Overdraft Management fee

Item Charge

Monthly Overdraft Management fee (excluding Tertiary Plus Package)
 

(Calculated as a percentage of the agreed overdraft limit or overdrawn balance, whichever is the greater.)

 0.12% (min $5)
Monthly Overdraft Management fee (Tertiary Plus Package) $3

Debit interest may also apply.
Business overdrafts

Overdraft application fees

Item Charge
Overdraft application fee 1% of the approved limit (min $25)
For overdraft limit increases 1% of the approved limit increase (min $10)

Overdraft management fees

Item Charge

Monthly overdraft management fee

(Calculated as a percentage of the agreed overdraft limit or overdrawn balance, whichever is greater).

 0.12% (min $5 per month)

Overdraft management fees apply to accounts that have an overdraft. They are calculated daily on the overdraft limit and charged monthly on the last business day of the month.

Debit interest may also apply.
Overdrawing your available balance or the approved overdraft limit
Item Charge
Unarranged overdraft fee $15

Charge per month, if you exceed your approved overdraft limit or your account becomes overdrawn past 10pm.

As the fee will be charged if the account is overdrawn over processing.
Insufficient funds fees
Item Charge
Dishonour fee $20
Unpaid Bill Payment (due to insufficient funds) $7.50
Debit interest

Debit interest applies to accounts with overdrawn balances and is charged monthly.*

If you don't have an arranged overdraft limit or you exceed your approved overdraft limit, you will be charged an Excess Interest Rate on the amount you have exceeded your overdraft limit by.

If you have a Personal Overdraft the Excess Interest Rate is our Consumer Overdraft Base Rate plus a margin of 15.00% p.a.

If you have a Business Overdraft the Excess Interest Rate is our Business Overdraft Base Rate plus a margin of 15.00% p.a.

*Exceptions may apply for the ANZ Tertiary account or customers on the ANZ Graduate Plus Package.

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International

Outward payments - International money transfer
Transfer method Issue fee Amendment fee

Enquiry fee

Where the beneficiary is claiming non-receipt of funds

Cancellation fee

ANZ will make every attempt to return funds; however the beneficiary may have already been paid
ANZ Internet Banking International Services* $18 $18** $50 charge may apply** $50**
ANZ Direct Online $18 $18** $50 charge may apply** $50**
ANZ branch, ANZ Phone Banking* $28 $28** $50 charge may apply** $50**

Overseas bank charges may apply
International bank draft
Payment method Issue fee Reissue/Replacement^ fee Stop payment^ fee
ANZ branch $30 $30 $30
ANZ Phone Banking $30 $30 $30

Overseas bank charges may apply
Inward payments
Payments type Fee
Payment credited to an ANZ account in New Zealand dollars or foreign currency^^ $15
Payment credited to a non-ANZ bank account in New Zealand dollars or foreign currency $27
Payments in New Zealand dollars credited to an account outside of New Zealand $35
Foreign cheques
Fee type Fee
Deposit of foreign cheques to a NZD account $15 per deposit
Deposit of foreign cheques to a Foreign Currency Account $20 per deposit
Sent for collection (if you need to ensure cleared funds) $75
Travel Money

ANZ Sells Foreign Cash

Amount Charge
Up to NZD100.00 NZD7.00 per transaction
Over NZD100.00 and up to NZD1,000.00 NZD12.00 per transaction
NZD1,000.00 and over 1.1% of the NZD amount per transaction
Debited from a FCA 1.1% (minimum NZD12.00)

ANZ Buys Foreign Cash

Amount Charge
Converted to NZD (credited
to an account or NZD cash)		 NZD5.00 per transaction
Credited to a Foreign Currency Account 1.1% (minimum NZD12.00)

 
Foreign Currency Accounts
Account type Fee type Currency fee amount
Foreign Currency Account
Monthly account fee

USD $4

AUD $4

GBP €3

EUR €3

JPY ¥350

CAD $4

 

 

 

Transaction fees and other fees and charges may apply to transactions that are initiated through an ANZ Foreign Currency Account. Any fee of charged stated in a currency other than that of your ANZ Foreign Currency Account will be converted into the applicable foreign currency, at the prevailing exchange rate of the day of the transaction.

For more information or for enquiries about a Foreign Currency Account in other foreign currencies call 0800 863 863 or visit any ANZ branch.

*Only available to registered users of these services.
**Plus applicable exchange rate fluctuation.
^ANZ can only provide this service if the bank draft has not already been paid. Exchange rate fluctuations may apply.
^^No fee charged for payments under $75 New Zealand dollar equivalent.

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Miscellaneous charges

Clean credit
Item Fee
ANZ branches and other banks in New Zealand on establishment and annual renewal $20
Authorising charge if transferring to another bank 1.0% of limit (minimum $15, maximum $40)
Customer information request
Item Fee
Customer service investigation $60 per hour (minimum $15)
Voucher search
Number of items Fee
Provision of images $7.50 per item (min $15)
Certificate of balance
Item Fee
Retail and Business Banking customers $5
Commercial customers $20
Auditor's Confirmation Report
Retail and Business Banking customers $65
Commercial customers  
Number of accounts Fee
1 - 5 $65
6 - 10 $100
11 - 15 $150
16 - 20 $200
21+ $300
Less than 48 hours notice of requirement for an Auditor’s Confirmation Report attracts double the standard fee.
Credit retrieval fee
Item Fee
Credit retrieval fee $100

A credit retrieval fee may be charged when assisting a customer (on a best endeavours basis) to recover funds incorrectly paid to a third party’s account. This fee applies irrespective of whether the funds are successfully recovered from the recipient of the payment.