ANZ employs various security measures to ensure that your transactions and personal information are protected.

Internet Banking

ANZ Internet Banking utilises a firewall together with encryption technology to provide some of the best security available to keep your password, account details and other sensitive information, including any messages sent via Bank Mail protected.


We require all ANZ Internet Banking customers to register for OnlineCode and use it when making the following transactions.

  • Setting up new payees
  • Making payments over $10,000
  • Sending money overseas
  • Setting up automatic payments.

From now on when you make those transactions online, we’ll send you a unique OnlineCode via text message to your mobile phone. Then all you have to do is enter the code into ANZ Internet Banking to confirm your transaction. This extra step helps us make sure it’s you making the transaction. 

You can also choose to use OnlineCode for other transactions by selecting ‘OnlineCode Registration’ from the ‘Your Settings’ menu option. You'll only need to enter the code once for each Internet Banking session.

And the best part, it’s free to register and use OnlineCode if you have a New Zealand mobile phone number.

If you don’t have a mobile, have an international mobile phone number or live in a low coverage area please call us on 0800 269 348 or +64 4 499 4079 if you’re calling from overseas to discuss the best solution for you.

Updates to the Electronic Banking Conditions of Use with changes to OnlineCode

With the changes to the use of OnlineCode for ANZ Internet Banking and goMoney we have updated the Electronic Banking Conditions of Use. The OnlineCode section has been moved to the section ‘How you
use your accounts with us’ and the wording updated to reflect the new requirements to register for OnlineCode and use it for certain transactions and functions within ANZ Internet Banking or goMoney.See the changes we've made to the Electronic Banking Conditions of Use (PDF 128kB).


Fraud detection system

ANZ uses sophisticated technology to monitor Internet Banking transactions and identify suspicious activity. Our fraud detection system looks for patterns of transactions and new behaviour which may indicate that a transaction is fraudulent.

If ANZ detects suspected fraudulent activity, we will contact you and temporarily freeze your Internet Banking access in order to prevent further fraudulent transactions. Note that our staff will never ask for customer passwords or PINs.

We will continue to enhance our fraud detection system and strengthen our monitoring processes.


Encryption is turning words and numbers into a coded language. Encryption prevents unauthorised users from being able to change or read your data. ANZ encrypts your personal data using 128-bit SSL (Secure Socket Layer) encryption technology.

You can identify whether the Internet Banking session is secure or encrypted when you see "https://" in the address bar and/or when you see a padlock in the bottom right corner of the browser window.

You can double click on the padlock to view the digital certificate ie the electronic signature to view details.


ANZ employs a firewall mechanism to prevent unauthorised access to and from the network.


Automatic time-outs

In the ANZ Internet Banking system, your banking session can remain unattended for a maximum of 10 minutes. After this time, the system automatically "logs off" and ends your session.

Remember, if you are not using your computer for a period of time, make sure you "log out" completely from the ANZ Internet Banking system so that sensitive banking information cannot be viewed by others.

To find out how to optimise your security and ensure your browser has the appropriate settings selected:

For further information about the security of your account transactions and enquiries:

Account aggregation

Unless the account services are provided or referred to you by ANZ, ANZ does not authorise, promote or endorse the use of account services offered by parties other than ANZ to access your ANZ accounts (including account aggregation services, which may be provided by other financial institutions).