Terms and conditions

The following terms and conditions govern your use of ANZ Internet Banking:

Internet Banking Terms and Conditions

These terms and conditions (the "Terms and Conditions") apply to your use of the ANZ Internet Banking service.

These Terms and Conditions apply together with any terms and conditions applicable to the account(s) which you have nominated to be accessed via ANZ Internet Banking. Copies of the terms and conditions that may apply to your account(s) are available from any branch of the Bank. If there is an inconsistency, and unless otherwise specified, these Terms and Conditions will prevail for all transactions using the ANZ Internet Banking service. Additional conditions may also be implied by law or may be agreed to in writing by you.

By signing the ANZ Phone Direct Application - Business Form, or, where appropriate, clicking the "submit" button on ANZ Internet Banking and by using ANZ Internet Banking, you agree to be bound by these Terms and Conditions. Where you have applied for, or the Bank requires you to use, a Security Device, you will also be bound by the terms and conditions in this document relating to the use of Security Devices.

Back to top

Definitions

In these Terms and Conditions:

Authorised User is a person who the account holder has authorised to access the account holder's nominated account(s) on ANZ Internet Banking.

Bank is ANZ National Bank Limited.

Biller is a company or other entity whose invoices are able to be paid using ANZ Internet Banking.

Business Day is any day excluding a Saturday or Sunday, a public holiday and any day on which the Bank is not open for retail business.

Multi-authority account is an account on which you have specified that more than one signatory is required to authorise any transaction.

Secure Mail is the electronic messaging service which enables communication to be sent by us or by you within our secure internet banking system.

Security Device is a physical device which generates random numbers which are used to authorise certain transactions in ANZ Internet Banking.

Security Device Code is the random number generated by a Security Device, or a substitute number provided by the Bank.

Signatory is any person, including you, who is listed on the signing authority for your account(s) as being able to complete transactions.

Single-authority account is an account for which you have specified that only one signatory is required to authorise any transactions, and includes joint accounts where the account holders may, individually, authorise any transactions.

You and your means the account holder(s).

Back to top

Registration process

To access your accounts using ANZ Internet Banking, you must first be registered for the ANZ Phone Direct service. To register for ANZ Phone Direct if your account is:

  • a Single-authority account, visit any ANZ branch, or contact the Bank toll free on 0800 269 296 (international customers, please call +64 4 470 3142)
  • a multi-authority account, all required signatories must complete the ANZ Phone Direct Application - Business form, and present it to any ANZ branch (signatories may be asked to verify their identity).

To register for ANZ Internet Banking, you must use your ANZ Phone Direct Customer Registration Number and Personalised Identification Number (PIN) to access the service for the first time. You will then be required to select a replacement Password, which will need to comprise of a mixture of letters and digits of between 8 and 16 characters long (note you are unable to use symbols in your Password). 

If your account is a multi-authority account, then all required signatories must authorise access in ANZ Internet Banking. See the section headed "Multi-authority accounts" for more information.

Back to top

Nominated accounts

ANZ Internet Banking is only available on accounts which you nominate including those accounts you have nominated for access on ANZ Phone Direct.

Any signatory on a single authority account can nominate the account for access in ANZ Internet Banking. If an account is a multi-authority account, then all required signatories must authorise access in ANZ Internet Banking. See the section headed "Multi-authority accounts" for more information.

The Bank may restrict the accounts you can nominate for use on ANZ Internet Banking. It may also restrict your use of ANZ Internet Banking on a nominated account. For instance, the Bank may limit the amount of any type of transaction on a nominated account, or require the use of a Security Device to authorise particular transactions.

Back to top

Passwords

Your Password is very important. You must memorise it. If you have any difficulty with remembering your Password, please consult the Bank on the selection of your Password.

You must not:

  • keep any record of it
  • write it down
  • disclose it to any person, including family members or those in apparent authority, including Bank staff
  • negligently or recklessly disclose it by, for example, failing to take reasonable care when keying it in to prevent others from identifying it.

The Password that you select must not be easily identifiable or based on easily accessible personal data (such as family, street names or birth months).

If your Password is or may have been disclosed, you must contact the Bank immediately toll free on 0800 368 524 (international customers, please call +64 4 473 0370). The Bank encourages you to change your Password on a regular basis. To change your Password you can either follow the instructions outlined in the ANZ Internet Banking Update Details module or contact the ANZ Internet Banking team toll-free on 0800 368 524 (international customers, please call +64 4 473 0370).

Back to top

Authorised Users

An Authorised User is a person who you have authorised to access your nominated account(s) in ANZ Internet Banking. If you want to authorise another person to access your accounts on ANZ Internet Banking, by appointing them as an Authorised User, you must provide the Bank with authorisation on the ANZ Internet Banking or ANZ Phone Direct Third Party Authority Form, as applicable, and specify the level of access of the Authorised User. You may be required to add certain types of Authorised User to the signing authority for your nominated account(s). Where you are a business, you may be required to provide evidence of the Authorised User's position in your business.

Each Authorised User will be issued with their own Customer Registration Number and temporary PIN. When the Authorised User uses ANZ Internet Banking for the first time, the Authorised User will use their Customer Registration Number and temporary PIN and will then be required to select a Password of his/her choice. The Authorised User must follow the guidelines for Password selection under the section headed "Password". You must not disclose your Customer Registration Number or Password to anyone, including another Authorised User. Authorised Users must not disclose their Customer Registration Number or Password to anyone. You are liable for all transactions on your nominated accounts made by an Authorised User using ANZ Internet Banking.

Where you are a business, if an Authorised User leaves your business, the Customer Registration Number of that Authorised User must be suspended or cancelled.

Signatories for the businesses' accounts are able to suspend or cancel any Customer Registration Number at any time. 

It is the responsibility of the signatories to ensure that the signing authority held by the Bank is updated whenever there is a change to the Authorised Users for nominated account(s). The Bank may refuse to allow the Authorised User to access the nominated account(s) until this occurs. Customer Registration Numbers can be cancelled or suspended at any time by calling an ANZ Customer Service Consultant on toll free 0800 269 296 (international customers, please call +64 4 470 3142).

Back to top

Instructions

The Bank can act on any instruction using your Customer Registration Number and Password or an Authorised User's Customer Registration Number and Password, whether or not you have authorised the instruction.

The Bank may delay acting upon an instruction or may ask you or an Authorised User for further information before acting on an instruction.

Back to top

Security Devices

To provide extra security when completing transactions in ANZ Internet Banking you may apply for, or the Bank may require you to use, a Security Device.

The Security Device Code generated by a Security Device must be entered when prompted by ANZ Internet Banking to authorise any of the following transactions:

  • Pay Anyone
  • Telegraphic Transfer
  • Pay Bills
  • Tax Payment
  • Purchase an International Draft
  • Payroll Payment (available to business customers only)
  • Multiple Bills Payment (available to business customers only).

The Security Device issued to you remains ANZ's property at all times. You agree to keep the Security Device securely, and to return it immediately to ANZ on request. You must also advise ANZ immediately if your Security Device is lost or stolen. You may be charged to replace your Security Device.

If your Security Device is lost or stolen, you may contact ANZ to obtain a "once-only" Password as a substitute to the numbers generated by your Security Device, to enable you to complete a transaction in Internet Banking. This Password is only valid for 60 minutes, and can only authorise one transaction in Internet Banking.

To register to use, or de-register, a Security Device for authorising your transactions in ANZ Internet Banking call 0800 368 524 (international customers, please call +64 4 473 0370).

Back to top

Multi-authority accounts

Access to ANZ Internet Banking (excluding Pay Anyone) is available for multi-signatory accounts. If you have a multi-authority account, you cannot access Pay Anyone.

Before the Bank can give access to multi-authority accounts on ANZ Internet Banking, all signatories required to authorise transactions on the multi-authority account must sign an ANZ Internet Banking/ANZ Phone Direct Application Form authorising ANZ Internet Banking access. The signatories of a multi-authority account must:

  • ensure that the account holder has authorised access to the multi-authority account on ANZ Internet Banking
  • ensure that there is nothing (e.g. any provision of the company's constitution, partnership deed or a trust deed) to prevent the Bank giving access to the account on ANZ Internet Banking.

NOTE: An Authorised User for a multi-authority account has individual access to ANZ Internet Banking, and may authorise transactions without your knowledge or the knowledge of any other signatory on the account.

This access may increase the risk of fraud on a multi-authority account. The signatories on a multi-authority account must therefore consider carefully whether to permit access to the account using ANZ Internet Banking. Except in the case of fraudulent or negligent conduct by an employee or agent of the Bank, the Bank:

  • is not liable for any loss on a multi-authority account which results from the use of a Customer Registration Number and Password issued to you or any Authorised User, regardless of whether the transaction would have required all signatories to authorise the transaction had it not been completed through ANZ Internet Banking
  • may rely on all instructions received from, and is not required to verify the identity of, any person using a Customer Registration Number and Password issued to you or an Authorised User on a multi-authority account.

Back to top

Level of access

The mix of transactions that you or an Authorised User may make using ANZ Internet Banking is referred to as the "level of access". This enables you to select which nominated accounts an Authorised User can access, and what type of transaction(s) the Authorised User can perform on those nominated accounts.

For multi-authority accounts, all signatories required to authorise a transaction must advise the Bank on the ANZ Phone Direct Application - Business Form and/or the ANZ Internet Banking/ANZ Phone Direct Third Party Authority Form of each Authorised User's level of access. Unless otherwise advised by you, the Bank will rely on the level of access specified on the ANZ Phone Direct Application - Business Form and the ANZ Internet Banking/ANZ Phone Direct Third Party Authority Form.

Back to top

Special risks for business customers using ANZ Internet Banking

The extension of ANZ Internet Banking to your business exposes your business to a particular risk of fraudulent use of ANZ Internet Banking, either by Authorised Users or by any unauthorised person to whom a Customer Registration Number and Password are disclosed, or who has access to a Security Device.

You acknowledge that ANZ Internet Banking exposes your business to these risks and that, except in the case of fraudulent or negligent conduct by an employee or agent of the Bank, the Bank:

  • is not liable for any loss which your business suffers as a result of any use (including unauthorised use) of any Password or Customer Registration Number or Security Device issued to your business
  • may rely on all instructions received from, and is not required to verify the identify of, any person using a Customer Registration Number and Password, Security Device or Security Device Code issued to your business.

Back to top

Funds Transfer 

Provided you have sufficient funds in your account, you can transfer funds between your nominated accounts using ANZ Internet Banking, or set up a transfer of funds to occur on a future date.

A transfer of funds between your nominated accounts using ANZ Internet Banking allows funds to be immediately withdrawn via ATMs or EFTPOS from the receiving account. A transfer of funds from your nominated account into your ANZ Variable Rate Home Loan account, ANZ Variable Rate Personal Loan account or ANZ Variable Rate Business Loan account will be credited to your account immediately.

Where an instruction to transfer funds between your nominated accounts is given before 10.30 pm on a Business Day, the formal updating of account details takes effect on that Business Day. Where an instruction is given after 10.30 pm on a Business Day or on a day that is not a Business Day, the formal updating of account details takes effect on the next Business Day.

A transfer of funds between your nominated account and your nominated credit card account allows funds to be immediately withdrawn from the receiving account. If you make a transfer from your credit card account to your nominated account it will be treated as a cash advance and you may be charged interest and/or fees on that cash advance in accordance with the terms and conditions that apply to your credit card. Where an instruction to transfer funds to or from a credit card account is given before 8.30 pm on a Business Day, the formal updating of account details takes effect on that Business Day. Where an instruction to transfer funds to or from a credit card account is given after 8.30 pm on a Business Day or on a day that is not a Business Day, the formal updating of account details takes effect on the next Business Day.

The Bank will issue a lodgement number to you or an Authorised User (as the case may be) upon receipt of an instruction to transfer funds on ANZ Internet Banking. The Bank will issue a receipt number once the transfer of funds has been performed. The receipt number will also appear on your account statement. You cannot cancel or alter an instruction to transfer funds once the Bank has issued a receipt number, or has confirmed them or once a receipt number for a transaction which is not a future dated funds transfer has been issued. You may, however, alter a future dated funds transfer once the lodgement number has been issued, up until midnight of the day before the transfer of funds is scheduled to occur.

Back to top

Bill Payment

You can pay bills using the bill payment functions in ANZ Internet Banking, or set up a bill payment to occur on a future date.

To pay a bill using ANZ Internet Banking, the Biller must be one which is able to receive payments via ANZ Internet Banking, and the Biller must be linked to your Customer Registration Number.

If you have a Single authority account you can add, edit or remove an ANZ registered Biller on your Customer Registration Number using the Pay Bills option via ANZ Internet Banking.

If you are a business with a multi-authority account, to establish a bill payment or to add additional Billers all required signatories must sign the Bill Payment Nomination Form which is available from any branch of the Bank. 

A bill payment request must be made before 10.30 pm on a Business Day to be processed on the same Business Day. Any request made after 10.30 pm on a Business Day, or on a day which is not a Business Day, will not be processed until the next Business Day.

The Bank relies on the accuracy of the bill payment information which you give and is not required to check its accuracy.

The Bank can make bill payments, other electronic payments, transfers of funds, or any other transactions in any order it wishes. If sufficient cleared funds are not available to meet a bill payment, the amount exceeds your transaction limit for your nominated account, there is a technical failure which prevents the Bank from processing your instructions or the information given is incomplete or inaccurate, the Bank can, in its absolute discretion, refuse to make the payment, and accepts no liability or responsibility for any refusal or omission to make a payment (subject to our obligations, if any under the Consumer Guarantees Act 1993). A fee may also be charged to your account if this occurs. The Bank may, in its absolute discretion, also terminate your bill payment instruction, or reduce the amount for any reason and at any time whatsoever, without giving you notice (subject to our obligations, if any under the Consumer Guarantees Act 1993 and to the extent permitted by law).

The Bank will not get involved in any dispute between you and any person or Biller you pay, or try to pay, through ANZ Internet Banking.

The Bank will issue a lodgement number to you or an Authorised User (as the case may be) upon receipt of an instruction for a bill payment transaction on ANZ Internet Banking. The Bank will issue a receipt number once the transaction has been performed. The receipt number will also appear on your account statement.

You cannot cancel or change a bill payment once the Bank has issued a receipt number. Nor can you cancel other instructions once the Bank has confirmed them or once a receipt number for a transaction, which is not a future dated bill payment, has been issued. However, in some circumstances you may be able to make a further instruction which will have the effect of altering a previous instruction. Future dated bill payments may be cancelled until midnight of the day before the bill payment is scheduled to occur.

Back to top

Tax Payments

Tax Payments allows you to make payments to the Inland Revenue Department, up to a maximum amount of $100,000 per transaction.

It is your responsibility to ensure that the details provided by you are correct, or your Tax Payment may be unsuccessful or may be paid on behalf of the wrong person or for the wrong tax type, payment period or payment amount. The Bank is not liable or responsible for any inaccuracy in your instructions.

The Bank can make Tax Payments in any order it wishes. The Bank may not process your instructions to make a Tax Payment from a nominated account if:

  • any of your instructions are incomplete in any respect
  • the nominated account has an agreed credit limit and the transfer will result in the nominated account exceeding that credit limit
  • the nominated account does not have a credit limit and the transfer will exceed the available cleared funds credited to that nominated account
  • there is a technical failure which prevents the Bank from processing your instructions.

Immediate Tax Payments from a nominated account submitted before 10:30pm (NZT) on a Business Day will be processed on that day, but if submitted after 10:30pm (NZT) or on a day that is not a Business Day, will be processed on the next Business Day. Immediate Tax Payments from your credit card account made before 8:30pm (NZT) on a bank Business Day will be processed on that day, but transfers submitted after 8:30pm (NZT) or on a day this is not a Business Day will be processed on the next Business Day. Tax Payments from your credit card account will be treated as a cash advance and you may be charged interest and/or fees on that cash advance in accordance with the terms and conditions that apply to your credit card.

Future dated Tax Payments require cleared funds in your account at midnight on the day before the scheduled Tax Payment Date or your Tax Payment may be unsuccessful. To delete a Future dated Tax Payment, go to "Future Payments/Transfers".

The account from which the Tax Payment is made will be debited immediately after the transaction is performed. When the Inland Revenue Department's account will be credited depends on the policy and systems of its bank.

The Bank will issue a lodgement number to you or an Authorised User (as the case may be) upon receipt of an instruction for a Tax Payment to the Inland Revenue Department on ANZ Internet Banking. The Bank will issue a receipt number once the transaction has been performed. The receipt number will also appear on your account statement.

You cannot cancel or change a Tax Payment once the Bank has issued a receipt number. Nor can you cancel other instructions once the Bank has confirmed them or once a receipt number for a transaction, which is not a future dated Tax Payment, has been issued. However, in some circumstances you may be able to make a further instruction which will have the effect of altering a previous instruction. Future dated Tax Payments may be cancelled until midnight of the day before the Tax Payment is scheduled to occur.

Back to top

ANZ Multiple Bills Payments and Payroll Payments - business customers only

ANZ Multiple Bills Payments are available if you are a business, and can be used to make multiple bill payments (Multiple Pay Bills), transfer funds between multiple nominated accounts (Multiple Transfer), or pay your employees using Payroll Payments, with a single debit to your nominated business account.

Pay Anyone registration is required to use Payroll Payments. Any amounts debited to your nominated business account using Payroll Payments form part of your Pay Anyone daily limit. Information about Pay Anyone, including the Terms and Conditions that apply can be obtained from your local branch, or on this website.

When you use Multiple Pay Bills, the account statement will show the total amount debited from your account and the receipt number, but will not specify details relating to the crediting of those funds to each of the other accounts or Billers. You can reconcile the debit amount on the account statement with the information appearing on either the lodgement Receipt page, the Payroll Payments Receipt page at the time of the transfer, or under the "Past Payments/Transfers" function once the transfer or payment has taken place.

Receipt information will be retained by ANZ for a period of 7 years from the date the transfer takes place.

Back to top

Account information

Any balance for a nominated account, ANZ Loan account and a credit card account, which you obtain using ANZ Internet Banking will be the current balance as at the time you make the enquiry.

When you obtain an account balance, the maximum amount which you can withdraw from the account will also be displayed. This maximum amount will generally reflect:

  • any credit limit on the account
  • any funds transferred using ANZ Internet Banking/ANZ Phone Direct that business day
  • any regular credit such as a credit of salary
  • any deposits or withdrawals made at a branch of the Bank that business day.

Back to top

Customising an account

You may customise accounts that you nominate for access on ANZ Internet Banking. Customising an account will change the name of the account as it appears on ANZ Internet Banking only. It will not change the official records of the Bank. Customising an account in ANZ Internet Banking is for your convenience only. The Bank will not be responsible or liable for receiving deposits to any account on the basis that they are to be reserved or applied for any particular purpose simply because you have chosen to customise the account for the purposes of ANZ Internet Banking only. All deposits, which are made to your accounts will be dealt with in the ordinary course of business.

Back to top

Liability for losses

The Bank will do its best to ensure continuous access to ANZ Internet Banking. However, the Bank is not responsible or liable for any loss you suffer as a result of you being unable to use ANZ Internet Banking, or as a result of delays or errors in processing your Tax Payments caused by the Inland Revenue Department's bank.

The Bank takes vigorous security measures to protect customer's data, including the use of firewalls and 128 bit SSL encryption.

You are not liable for loss caused by:

  • fraudulent or negligent conduct by employees or agents of the Bank or parties involved in the provision of ANZ Internet Banking
  • faults that occur in the ANZ Internet Banking system, unless the faults are obvious or advised by message or notice on display
  • unauthorised transactions occurring before you have received any temporary Password, Customer Registration Number or Security Device. In any dispute about receipt of Passwords or Security Devices that are not issued to you in person we will not rely on proof of dispatch to your correct address as proof that the Password or Security Device was received
  • any other unauthorised transactions where it is clear that you could not have contributed to the loss.

You are liable for all loss if you have acted fraudulently, either alone or together with any other person.

You may be liable for some or all of the loss from unauthorised transactions if you or an Authorised User have contributed to or caused that loss by, for example:

  • selecting an unsuitable Password (see the section headed "Passwords" for examples)
  • keeping a written record of a Password, or disclosing any Password or Customer Registration Number to any other person
  • failing to take all reasonable steps to prevent disclosure to any other person when keying in a Password or Customer Registration Number
  • failing to take all reasonable steps to keep your Security Device secure, disclosing Security Device Codes, or keeping your Security Device together with your Passwords and/or Customer Registration Numbers
  • unreasonable delay in notifying the Bank of the actual or possible disclosure to any other person of your Password or Customer Registration Number, or unauthorised use or loss of your Security Device.

If you have promptly reported the actual or possible disclosure of your Password or Customer Registration Number to the Bank, you are not liable for loss occurring after notification to the Bank unless you have acted fraudulently or negligently.

If you have not acted fraudulently or negligently and have not contributed to or caused losses from unauthorised use, your liability for any loss occurring before notification to the Bank is limited to the lesser of:

  • the balance of your accounts, including any pre-arranged credit
  • the actual loss at the time you notified the Bank.

If you have not acted fraudulently or negligently but have contributed to or caused losses from unauthorised transactions, you may be liable for some or all of the actual losses occurring before notification to the Bank except for that portion of the total losses incurred that exceeds the balance of your accounts, including any pre-arranged credit.

If you let anyone else use your Customer Registration Number and Password, you will be liable for any transactions made on ANZ Internet Banking by or with the consent of that person.

Back to top

Suspension and cancellation

The Bank can at any time, and in its absolute discretion, suspend or cancel your access to ANZ Internet Banking without giving you notice and without being responsible for any loss which you suffer as a result.

You may end the use of ANZ Internet Banking at any time by giving written notice to the Bank.

Back to top

Hypertext linking

You must not create a link to any of the pages on the Bank's website, including ANZ Internet Banking without the prior permission of the Bank. If you do create a link to any of the pages on the Bank's website, you acknowledge that you indemnify the Bank for all loss, damage, liability, costs or expenses arising from or in connection with the link. If you wish to create a link to any of the pages on the Bank's website, please contact the Bank.

Back to top

Fees and charges

ANZ Internet Banking

No service fees apply to ANZ Internet Banking. Transaction fees may apply for certain types of accounts. These fees may be changed by ANZ from time to time. Full details of all current fees and charges are available from any branch of the Bank or at anz.co.nz. You are responsible for all charges levied by an Internet Service Provider when either you or an Authorised User accesses ANZ Internet Banking.

Back to top

Your personal information

The Bank takes your privacy very seriously. Information you provide to the Bank will be kept strictly confidential and will be securely held by the Bank and/or by companies in the ANZ Group. You have a right to access the information by calling us on 0800 269 296 or enquiring at any branch of the Bank and you may also request that it be corrected. A fee may be payable.

The Bank will make every effort to keep your personal information up to date. To assist us, please let us know of any changes in your personal details, such as your address.

How we use your information will depend on the purposes for which that information was collected. Generally the Bank may use this information to:

  • consider your application for facilities, products or services;
  • administer, manage and monitor any facilities, products or services provided to you;
  • conduct market research, data processing and statistical analysis; and
  • unless you disagree, provide you with information about other facilities, products or services including certain third party products or services.

The Bank may disclose information about you to the ANZ Group, agents or contractors for the above purposes.

The Bank may use your personal information for the purpose of data matching and in doing so may collect information about you. ‘Data matching’ is the process of comparing your personal information with publicly available information and/or with information held by a reputable entity the Bank has an ongoing relationship with in order to better enable us to carry out any of the above purposes.

The Bank may disclose your information to carefully selected third parties for the purposes of data matching, provided those third parties are subject to an obligation of confidentiality.    

The Bank may obtain information and make such enquiries about you as the Bank may consider warranted from any source including the ANZ Group and credit reference agencies for the above purposes.

The Bank may disclose information about you to credit reference agencies for the purpose of obtaining credit reports on you. Those credit reference agencies may retain that information and provide it to their customers who use their credit reporting services. If you default in any obligations to the Bank, then the Bank may disclose information about you to credit reference or debt recovery agencies and it may be retained by them. Those agencies may provide that information to their customers who use their credit reporting services.

The Bank may also disclose account information to any authorised signatory to your accounts.

If you are under 18 years old, the Bank may contact your parent(s)/guardian(s) to disclose, or to collect, information about you that will help the Bank contact you, or to obtain repayment of any amount you owe the Bank.

Our security standards are maintained and our technology regularly updated to provide protection for the information we hold. We do not sell, publish or give away your information.

Certain laws also require the Bank to disclose your information on request, for example the Tax Administration Act 1994. If the Bank receives a request from certain agencies to release your information, the Bank may not be able to tell you that the request has been received. The Bank may also disclose information to the police, certain government agencies or other financial institutions where the Bank reasonably believes that the disclosure will assist in the investigation, detection and/or prevention of fraud or other criminal offences, such as money laundering. The ANZ Group is subject to anti-money laundering and terrorist financing legislation in force in New Zealand, Australia and other countries. You agree to provide all information to ANZ Group which it reasonably requires to comply with these laws. Anti-money laundering and terrorist financing legislation in force in New Zealand, Australia and other countries may also prohibit us from entering or concluding transactions which involve certain countries, persons or entities. As a result, you agree that ANZ Group may:

  • delay or block any transaction, or refuse to pay any money, without incurring any liability; or
  • disclose any information concerning you or the transaction to the New Zealand Police or Australian Federal Police or any relevant authority in any country in order to ascertain whether the laws in that country apply to a transaction or otherwise in compliance with those laws that aim to prevent or detect terrorist financing or money laundering, in the reasonable belief that the transaction may contravene those laws, and ANZ Group will not incur any liability to you as a result of that action.

In this clause, ‘money laundering’ includes any dealing with the proceeds of criminal activity and any dealing with funds or assets of any person or entity suspected of involvement in terrorism or any terrorist act.

Back to top

Variation of Terms and Conditions

The Bank may change these Terms and Conditions and fees at any time. The Bank will give you at least 14 days notice of any change before it takes effect by:

  • direct communication with you (for example by notice on your account statement or via SecureMail)
  • displays at branches of the Bank
  • by statements in the media.

Back to top

Discrepancies / errors, questions or complaints

Please contact the Bank immediately if:

  • you think there is a discrepancy/error on your bank statement
  • you have any questions or complaints.

You will need to give the Bank:

  • your name
  • your account number
  • any details you can about the suspected error or discrepancy, or the nature of your question, including the amount of money involved.

The Bank may request further information from you to assist in its inquiries. The Bank will make every effort to answer or resolve your questions or complaints quickly and fairly. Where the Bank establishes that an error did occur, it will promptly correct the error (to the extent possible) and reimburse any interest or fees charged to you as a result of the error. The Bank will adjust any errors that have been made on your statement.

If you are not satisfied that your inquiry has been properly dealt with please ask at any branch of the Bank for a copy of the brochure 'Could We Do Better?'. This brochure sets out further options available to you.

Back to top

Bank Disclosure Statement

A current Disclosure Statement published by ANZ National Bank Limited may be requested from any branch or agency of ANZ.

Back to top

Investment Statement for ANZ Term Deposits

A copy of the current investment statement for ANZ Term Deposits is available from any branch or agency of the Bank.

Back to top

Governing law

ANZ Internet Banking and the Bank's website are governed by, and are to be interpreted consistently with, New Zealand legislation and codes of practice.

Back to top

Consumer Guarantees Act 1993

If your use of ANZ Internet Banking, is for the purpose of a business, to the extent allowed by law, the provisions of the Consumer Guarantees Act 1993 will not apply. The Bank accepts no responsibility or liability (subject to our obligations, if any) under the Consumer Guarantees Act 1993.

Back to top

Secure Mail

Secure Mail can be used to make general account or other enquiries or to request services from the Bank.  You are responsible for the accuracy and content of all information contained in your messages to us using Secure Mail.  Secure Mail may also be used to send you information about other facilities, products and services, unless you tell us you do not want to receive this information.

Back to top

 

Pay Anyone Terms and Conditions

The Pay Anyone facility is available on ANZ Internet Banking. These Terms and Conditions are in addition to the ANZ Internet Banking Terms and Conditions which you agreed to act in accordance with when you first registered for ANZ Internet Banking. Where these Terms and Conditions are inconsistent with the ANZ Internet Banking Terms and Conditions these Terms and Conditions will prevail. You should be familiar with the ANZ Internet Banking Terms and Conditions when reading and before accepting Pay Anyone Terms and Conditions. You can review the ANZ Internet Banking Terms and Conditions. The terms defined in the ANZ Internet Banking Terms and Conditions will have the same meaning in these Terms and Conditions.

By using the ANZ Pay Anyone facility you agree to be bound by these Terms and Conditions, and the ANZ Internet Banking Terms and Conditions.

Pay Anyone 

Pay Anyone allows the account holder of a single authority account nominated for access on ANZ Internet Banking to transfer cleared funds from that account to another account held at any registered bank in New Zealand.

If you are a business customer with Multi-authority accounts, Pay Anyone is only available if you have applied for the ANZ Internet Banking for Business package. If you wish to apply for the ANZ Internet Banking for Business package, you will need to complete the ANZ Internet Banking for Business - Package Registration Request form which is available by contacting your local Business Manager, or by calling 0800 269 249 (international customers, please call +64 4 473 0370) 24 hours a day, 7 days a week.

Back to top

Applying for Pay Anyone 

Personal customers

To apply for Pay Anyone, you must select the Pay Anyone option and specify that you want to set up a Pay Anyone daily transfer limit of:

  • $1,000
  • $5,000
  • $10,000.

If you requested Pay Anyone with a daily limit of $1,000, the Bank will make this facility available to you immediately upon application.

If you have requested Pay Anyone with a daily limit of $5,000, or $10,000 you will be issued with an Action Number by letter in the post. If your limit is $5,000 you can register this limit by logging on to ANZ Internet Banking, selecting "Change Pay Anyone Access", entering the Action Number and selecting submit. If you limit is $10,000 you will need to contact the ANZ Internet Banking Team to activate the Pay Anyone facility and comply with any requests for security details that the Bank may require. You must contact the Bank within 28 days of your request to access Pay Anyone or your daily limit will expire. You must use your Action Number to authorise your Pay Anyone transaction.

Business customers

If you have nominated a single authority business transaction account for access on ANZ Internet Banking, you may select one of the above daily transfer limits or a daily transfer limit of either:

  • $15,000
  • $25,000.

The Pay Anyone daily transfer limit that you select will apply to all accounts linked to your Customer Registration Number on which Pay Anyone is available.

If you have applied for the Internet Banking for Business package you may apply for one of the following daily transfer limits of:

  • $50,000
  • $100,000
  • $150,000.

The Pay Anyone daily transfer limit that you select will apply to all accounts linked to your Master Customer Registration Number on which Pay Anyone is available.

You (or in the case of a business on the ANZ Internet Banking for Business package, your Super User) will be issued with an Action Number by mail. You will then need to contact the ANZ Internet Banking Team to activate the Pay Anyone facility, complying with any requests for security details that the Bank may require. You must contact the Bank within 28 days of your request to access Pay Anyone or your daily limit will expire. You must use your Action Number to authorise your Pay Anyone transaction.

Security Devices must be used to authorise Pay Anyone transactions under the ANZ Internet Banking for Business package. For more information see the ANZ Internet Banking Terms and Conditions.

Back to top

Pay Anyone Action Numbers

Your Action Number is a security feature designed to prevent unauthorised access to Pay Anyone. You should not reveal your Action Number to any other person. If your Action Number has been or may have been disclosed, you must contact the Bank immediately on 0800 368 524 (international customers, please call +64 4 473 0370) 24 hours a day, 7 days a week.

Back to top

How to make a transfer in Pay Anyone 

To make a transfer in Pay Anyone, you must:

  1. select the "Pay Anyone" option
  2. select the account from which the Pay Anyone is to be made
  3. select the account to which the Pay Anyone is to be made from the Payee List or enter new Payee Details
  4. enter the name of the person(s) making the payment. This will generally be your name or your company name
  5. enter the amount of the Pay Anyone
  6. select "One Off Transfer" if the payment is a one-off transfer OR select "Recurring transfer" if the payment is a recurring transfer
    • for "One-off transfer", enter the date of the transfer
    • for "Recurring transfer", enter the start date of the first transfer, the date the transfers cease and the frequency of the transfers
  7. review and select the Confirm option.

To enable you to select an account to which a Recurring transfer is to be made, you must first set up that account by selecting "My Payees" under the "Update Details" option and providing the Bank with the following details of the account:

  • the payee's account number
  • the payee's account name
  • payee description (customised name that you may choose).

Alternatively you may save the Payee Details to your Pay Anyone Payee List.

Back to top

How to make a transfer to your employee/s using Payroll Payments 

If you have nominated a single authority business transaction account to your Customer Registration Number, you may use Pay Anyone to transfer funds to up to 15 employees through the Payroll Payments function.

If you have registered for the Internet Banking for Business package you may transfer funds to up to 41 employees with a single debit to your linked account. Employees are third party payees and Internet Banking for Business is limited to a total of 41 third party payees.

To enable you to select an employee to which a transfer is to be made, you must first set up that account by selecting "Maintain Employees" from the "Payroll Payments – Prepare Pays" page under the Payroll Payments option.  You will then need to select "Add an employee" from the "Payroll Payment - Employee List" page and provide the Bank with the following details of the account:

  1. employee reference or salary number (this can be up to 20 characters in length)
  2. the employee's account name
  3. the employee's account number.

Once you have entered the above information and checked it for accuracy, select the save button.

To transfer funds to your employee/s using Payroll Payments, you must:

  1. select the "Payroll Payments" option from within the service
  2. select the linked account from which the transfer is to be made. This must be a business account
  3. select the date the transfer is to be made
  4. enter the name of the person(s) making the transfer. This will generally be your business name
  5. select the employees you wish to pay
  6. enter the message that you would like your employees to receive on their statement (e.g. "Pay/Salary")
  7. enter an individual amount that is to be paid to the employee
  8. select "Add to list"
  9. select the "Continue" option
  10. review and confirm accuracy of payments on "Payroll Payment - Review Request" page, then click on "Confirm" link
  11. print "Payroll Payment – Lodgement Receipt" page for your records and reconciliation against your statement.

Back to top

Important information 

Payment will be made to the account number you provide. Any error in entering these numbers may result in payment being made to unintended third parties or the payment not being made at all. It is your responsibility to ensure that you provide the Bank with the correct account numbers.

Under these Terms and Conditions the Bank is not required to and does not check that the account numbers correspond with the bank and account name of the payee details provided by you. The Bank is not responsible for any inaccuracy in your instructions.

The Bank can act on any instruction to make a transfer using your Customer Registration Number, Password and, where applicable, your Action Number, whether or not you have authorised the instruction.

The Bank will issue a lodgement number to you upon receipt of an instruction for any future dated transfers. The Bank will issue a receipt number once a future dated transfer or an immediate transfer has been performed. The receipt number will also appear on your account statement.

You cannot cancel or change a transfer once the Bank has issued a receipt number. Future dated transfers may be cancelled or changed (skip / unskip) up until midnight of the day before the Pay Anyone transfer is scheduled to occur.

The Bank will not get involved in any dispute between you and any person you pay or try to pay. The Bank can make Pay Anyone transfers in any order it wishes.

The Bank may not process your instructions to make a transfer from a nominated account if:

  • any of your instructions are incomplete in any respect
  • the nominated account has an agreed credit limit and the transfer will result in the nominated account exceeding that credit limit
  • the nominated account does not have a credit limit and the transfer will exceed the available cleared funds credited to the nominated account
  • there is a technical failure which prevents the Bank from processing your instructions.

If you click the "confirm" option by mistake, please contact the ANZ Internet Banking Team on 0800 368 524 (international customers, please call +64 4 473 0370) 24 hours a day, 7 days a week.

Back to top

Processing your instructions to Pay Anyone 

The Bank will process your instructions to make a transfer:

  • on the day the Bank receives these instructions, provided that they are received prior to 10.30 pm (8.30pm if transferring from a credit card account) on a Business Day
  • or on the Business Day following the day the Bank receives your instructions.

Back to top

Liability for losses 

The Bank will do its best to ensure continuous access to the Pay Anyone facility. However, the Bank is not responsible for any loss you suffer as a result of you being unable to use the Pay Anyone facility including delays or errors in processing your Pay Anyone instructions caused by any other bank.

You are not liable for loss caused by:

  • fraudulent or negligent conduct by employees or agents of the Bank or parties involved in the provision of electronic banking services
  • faults that occur in the ANZ Internet Banking machines or systems used, unless the faults are obvious or advised by message or notice on display
  • unauthorised transactions occurring before you have received any Password, Customer Registration Number or your Action Number. In any dispute about receipt of Passwords or Action Numbers that are not issued to you in person, we will not rely on proof of dispatch to your correct address as proof that the Password or Action Number was received
  • any other unauthorised transactions where it is clear that you could not have contributed to the loss.

You are liable for all loss if you have acted fraudulently, either alone or together with any other person.

You may be liable for some or all of the loss from unauthorised transactions including Pay Anyone transfers if you have contributed to or caused that loss by, for example:

  • selecting an unsuitable Password
  • keeping a written record of a Password, or disclosing any Password, Customer Registration Number or Action Number to any other person
  • failing to take all reasonable steps to prevent disclosure to any other person when keying in a Password, Customer Registration Number or Action Number
  • unreasonable delay in notifying the Bank of the actual or possible disclosure to any other person of your Password, Customer Registration Number or Action Number.

If you have promptly reported the actual or possible disclosure of your Password, Customer Registration Number or Action Number to the Bank, you are not liable for loss occurring after notification to the Bank unless you have acted fraudulently or negligently.

If you have not acted fraudulently or negligently and have not contributed to or caused losses from unauthorised use, your liability for any loss occurring before notification to the Bank is limited to the lesser of:

  • the balance of your accounts, including any pre-arranged credit
  • the actual loss at the time you notified the Bank.

If you have not acted fraudulently or negligently but have contributed to or caused losses from unauthorised transactions, you may be liable for some or all of the actual losses occurring before notification to the Bank except for that portion of the total losses incurred that exceeds the balance of your accounts, including any pre-arranged credit.

If you let anyone else use your Customer Registration Number, Password or Action Number, you will be liable for any transactions made on ANZ Internet Banking by or with the consent of that person.

Back to top

International Services Terms and Conditions

These Terms and Conditions relate to a new service introduced within ANZ Internet Banking called International Services. This service is linked to the Pay Anyone functionality and the daily Pay Anyone limits. This service allows you to make international transfers, purchase international drafts or order foreign cash. You must be registered for Pay Anyone to use this facility.

Once you have accepted these international terms and conditions, you will be able to access the International Services facility the next day.

International Services is offered through, and is part of, Internet Banking and Pay Anyone. These specific terms and conditions ("International Services Conditions") apply in conjunction with the General Terms and Conditions applicable to Internet Banking ("General Conditions") to which you agreed during your first log on and the Pay Anyone Terms and Conditions ("Pay Anyone Conditions") which you agreed to when you signed up for the Pay Anyone service.

To the extent of any inconsistency between the General Conditions, the Pay Anyone Conditions and the International Services Conditions, these International Services Conditions prevail unless the General Conditions, or Pay Anyone Conditions provide otherwise. You should be familiar with the General Conditions and Pay Anyone Conditions when reading and before accepting these International Services Conditions.

Back to top

1 Application of Specific Conditions 

These International Services Conditions apply in relation to your use of International Services through Internet Banking.

Definitions of terms in bold can be found in the General Conditions and apply to these Conditions except that "you" in these Conditions does not apply to Authorised Users because Authorised Users are not permitted to have International Services access.

Back to top

2 Obtaining International Services 

2.1 International Services is an optional service that you can choose to use if you have Pay Anyone. It does not have a separate daily limit. Therefore, the total of all Pay Anyone and International Services transfers (converted into New Zealand Dollars) on any particular day can not exceed your Pay Anyone daily limit.

2.2 To gain International Services access, you must first have successfully applied for Pay Anyone and have selected a Pay Anyone daily limit. Then you must agree to be bound by these International Services Conditions, by clicking on the "I Agree" box below. Access will be available from midnight on the day after your application is made.

Back to top

3 Giving International Services instructions to ANZ 

3.1 To give the Bank instructions to make an international funds transfer or to issue an international draft, you must provide the information requested by the Bank. Your instruction will not be processed if:

  1. all necessary information is not provided
  2. there are insufficient available funds in the linked account from which funds are to be transferred
  3. you do not have Pay Anyone access either when you give the Bank your instructions or when your payment or transfer is to be paid
  4. the Bank is restricted or prohibited by law, regulation, the requirement of a government or similar authority (including the Reserve Bank of New Zealand) or industry code from permitting the payment to occur.

3.2 International funds transfers will be made to the account number and branch details (including branch number if applicable) you provide or select in accordance with those clauses. You must ensure that you always provide the Bank with the correct account numbers and branch details.

3.3 The Bank is not required to, and does not, check that the branch number and account numbers correspond with the financial institution and account name of the payee provided by you. Any error in entering these details may result in a transfer being made to an incorrect payee or the transfer not being made at all. The Bank is not responsible for any inaccuracy in instructions given by you.

3.4 An international draft will be made payable to the person named as payee in your instructions. You must ensure that you always provide the Bank with the correct name of the payee. Any error in entering these details may result in the draft being made payable to an incorrect payee or the draft not being issued. the Bank is not responsible for any inaccuracy in instructions given by you.

3.5 The Bank is not responsible for the information that the payee receives in relation to an international funds transfer. This information is supplied to the payee by the payee's bank. the Bank has no control over the information the payee's bank provides the payee.

Back to top

4 Processing your instructions to conduct an international transfer 

4.1 The Bank will process instructions given by you to make an international funds transfer on the day the instruction is given, provided that the Bank receives the instruction prior to 4.30pm (NZT) on a Pay Anyone Processing Day. Otherwise the transfer will be made on the Pay Anyone Processing Day following the day the Bank receives the instructions. A Pay Anyone Processing Day means any day on which the Bank is open for business in New Zealand.

4.2 The Bank will ensure that instructions given by you to make a transfer are delivered to the payee's financial institution as soon as possible after ANZ processes those instructions (usually within two ANZ business days) except where:

  1. the Bank is not obliged to process your instructions under these International Services Terms and Conditions
  2. there is a technical failure which causes any delay in the acceptance or transmission of the instructions
  3. there is a delay or error in accepting the instructions caused by the financial institution to which the transfer is to be made.

4.3 Where your instruction is for a transfer by way of the Bank issuing an international draft, the Bank will send the draft by post to the delivery address shown on the confirmation page when you confirm your instructions to the Bank. It is your responsibility to forward the draft to the intended recipient.

4.4 The Bank cannot control when, or even if, the payee's financial institution processes your instructions or the fees that financial institution may charge to process your instructions. Further, the Bank cannot control whether you receive any international draft sent to you. To help ensure that you know when or if your instructions have been successfully completed, you should:

  1. ensure that you have received a lodgement receipt. This is a number issued by the Bank to you in relation to an international funds transfer or international draft instruction and is evidence that your instructions have been received (but not necessarily processed) by the Bank.
  2. ensure that you have received a separate receipt number. This will be issued to you when the Bank has processed your request.
  3. if you have requested an international funds transfer, confirm with the payee that your international funds transfer has been received. Once the Bank processes your transfer instruction, it relies on the payee's financial institution for advice that your instructions have not been successfully processed by that financial institution. If the Bank is advised that your instruction has not been successful, the Bank will promptly advise you and the relevant withdrawal from your linked account will be reversed. However, it may take up to two weeks, sometimes longer, for this to occur, depending on the other financial institution.
  4. if you have requested an international draft, ensure that you receive the draft in the mail (your lodgement receipt will confirm the address the draft will be sent to).

4.5 If the linked account you select from which the transfer is to be made is a credit card, the transfer will be by way of a cash advance and interest and fees may accrue on the cash advance. For further details on interest and fees payable, please refer to your linked account credit card conditions.

Back to top

5 Transfers which are not in accordance with your instructions 

If the Bank has made a transfer to a person which is not in accordance with instructions given under these International Services Conditions, or for an amount which exceeds the amount requested in such an instruction, the Bank will credit the linked account from which the payment was made with the amount of that transfer or with the amount of any transfer made in excess of those instructions, as the case may be.

Back to top