M-Banking is accessed through your mobile phone's Internet browser. With M-Banking you can:

  • check your balance
  • view a mini-statement
  • transfer funds between your accounts
  • Pay Anyone
  • receive account alerts.

All you need is:

  • a browser enabled mobile phone that allows access to the Internet
  • to be registered for ANZ Phone Banking
  • to be at least 13 years old (unless we agree otherwise).

How to access M-Banking

Open your mobile phone’s Internet browser, and open your unique link that was sent to you.  You'll be asked for your 7-16 digit M-Banking PIN. 

Using M-Banking

Select the function you want from the main menu and enter the information when prompted. The functions are easy to follow and direct you on what to do as you go.
The balance information that M-Banking returns is up to date information from our systems.

Making Payments

Making a payment using M-Banking is easy select ‘Payments’ from the main menu then:

  • select the account you are paying from, then, 
  • choose ‘An account’ to enter the account details for the person you are paying, then,  
  • enter the amount you wish to pay and the reference details for your statement then, 
  • confirm the payment.

If you make payments to an account often, you can load that account in a ‘Favourites’ file. Select ‘Other’ from the main menu then choose the second option ‘Manage favourites’. You can change the details of Favourites already loaded or select the ‘Add’ option for a new account. Load the bank account details and then the name of the person you are paying and they will appear on the ‘Manage Favourites’ list. When you make Payments in the future, you can choose ‘A favourite’ instead of ‘An account’.

View the ANZ M-Banking demo and see how easy it is to use.

  • Normal transaction fees apply
  • Standard mobile phone network charges such as data fees may apply, depending on your mobile service provider.

Using M-Banking

Can I use my current phone for M-Banking?
It depends on your type of phone, but most mobile phones that are browser enabled and allow access to the Internet are suitable for M-Banking.
How do I register?
If you have an ANZ Customer Number and either an ANZ Internet Banking Password or ANZ Phone Banking PIN you can register on the self registration site. If you aren’t sure, or if you are not already registered for ANZ Phone Banking or ANZ Internet Banking, simply call us on 0800 269 6624, or visit any ANZ branch.
What if my account requires two or more signatories?
You can still use TXT Banking and/or M-Banking. However, you won't be able to make transfers between your accounts, or make Pay Anyone payments.
What if I get a new phone?
If you change your mobile phone, all you need to do is type your existing M-Banking link into your new mobile phone’s Internet browser – the URL link is unique to you.  Remember to bookmark the unique link so you can easily access M-Banking in the future.
What if I change my mobile phone number?
You can update your Mobile Phone Banking preferences on the self registration site - login using your Customer Number and Internet Banking Password or Phone Banking PIN.  Select ‘Update Details’ from the M-Banking menu and follow the instructions on the screen.  

Alternatively, simply call us on 0800 269 6624, or visit any ANZ branch.

Activation 

Why won't my Activation Code work?
Your Activation Code may not work if:
• it's been more than five days since it was issued
• you have written down the code incorrectly
• you have entered the code incorrectly more than three times.

No matter what the reason, you can always request a new M-Banking Activation Code by visiting the self registration site or you can call us on 0800 269 6624, or visit any ANZ branch.
Will my Activation Code expire?
Yes, your Activation Code is only valid for five days and it will expire if you don't use it during this time.  If this happens, you'll need to request a new Activation Code on the self registration site or call us on 0800 269 6624, or visit any ANZ branch.
What if I enter the wrong M-Banking Activation Code?
You have three chances to enter your Activation Code correctly. If you get it wrong on the third attempt your M-Banking access will be suspended. If that happens you'll need to request a new activation code by visiting the self registration site or by calling us
0800 269 6624, or visit any ANZ branch.
What if I've lost or forgotten my M-Banking Activation Code?
To request a new M-Banking activation code visit the self registration site, login using your Customer Number and ANZ Internet Banking Password or Phone Banking PIN.  Select ‘Re-send M-Banking Link’ from the M-Banking menu and follow the instructions on the screen.  

Alternatively, simply call us on 0800 269 6624, or visit any ANZ branch.
Can anyone else use my Activation Code on their phone?
No. Your Activation Code is only valid when it's used with the unique URL we sent you when you registered for ANZ M-Banking.
What if I lose or delete my M-Banking link or don’t receive a text message containing my personalised M-Banking link?
M-Banking links are sent via text message to your mobile phone number.  Request a new M-Banking link from the self registration site and login using your Customer Number and Internet Banking Password or Phone Banking PIN.  Select ‘Resend M-Banking Link’ from the M-Banking Menu.

Alternatively, simply call us on 0800 269 6624, or visit any ANZ branch.
M-Banking Transferring Money
Are transfers between my ANZ accounts instant?
If you transfer money between your accounts before 10pm on a business day, your account will be updated on the same day.  If you transfer money between your accounts after 10pm on a business day, or at anytime on a non-business day, your account will be updated on the next business day.
Can I set up a transfer for a future date?
No, all transfers made using M-Banking are immediate.
How will I know that a transfer was successful?
Once a transfer has been made you'll be displayed a transfer result screen showing the new balances.
Can I transfer money to my ANZ credit card using M-Banking?
Yes, you can make the transfers to or from your ANZ credit card using M-Banking.  
Can I transfer money to my term deposit using M-Banking?
Unfortunately, you cannot make transfers to or from your ANZ term deposit using M-Banking.
M-Banking Pay Anyone
Who can I make a Pay Anyone payment to?
You can make a Pay Anyone payment to any other personal or business bank account in New Zealand.
Can I make international payments using Pay Anyone?
No, you can only make payments to New Zealand bank accounts. If you want to transfer money to an overseas account, you can do this at any ANZ branch.
How much can I pay using Pay Anyone?
The daily limit for all payments made from your mobile phone is $1,000 in total.
Are Pay Anyone payments instant?
If you make a Pay Anyone payment before 10.30pm on a business day, your account will be updated on the same day.  If you make a Pay Anyone payment after 10.30pm on a business day, or at anytime on a non-business day, your account will be updated on the business day after processing.
Can I set up a Pay Anyone payment for a future date?
No, all Pay Anyone payments made using M-Banking are immediate.
Can I make Bill Payments using M-Banking?
No, at the moment you can only transfer money between your accounts and make Pay Anyone payments. You cannot pay regular bills such as phone, power or insurance.
How will I know that a Pay Anyone payment was successful?
Once a payment has been you'll receive a confirmation message and a receipt number.
What happens if I'm cut off when I'm making a Pay Anyone payment?
If you're part way through a Pay Anyone payment and your battery goes flat, you lose reception, are cut off for any other reason and you haven't yet received a confirmation message, your payment may not have been successful.  However, before you repeat the payment, we recommend that you call 0800 269 6624 or visit an ANZ branch to make sure.
What if I make a mistake when I make a Pay Anyone payment?
You cannot undo a Pay Anyone payment once you've clicked "ok". If you've made a payment to the wrong account or accidentally paid too much, please call 0800 269 6624, or contact any ANZ branch, as soon as possible.
Can I save the details of my regular Pay Anyone payees?
Yes, you can save the name and the account number of a person you have just paid using the "Favourites" function. That way you won't have to re-enter their details every time you pay them.
Will my "Favourites" be saved in ANZ Phone Banking or ANZ Internet Banking as well?
No, the "Favourites" you save in ANZ Mobile Phone Banking won't automatically be saved into your ANZ Phone Banking and ANZ Internet Banking services.  They are specifically used for M-Banking.
Account Alerts
How many Account Alerts can I set up?
You can set up as many Account Alerts as you like at no charge.
How do I add/edit my Account Alerts?
Account Alerts can be managed on our M-Banking site, by calling us on 0800 269 6624 or by visiting any ANZ branch.
Can I set up an Account Alert for any day of the month?
You can set up an Account Alert for any day from the 1st to the 28th of each month. However, you cannot set up an Account Alert for the 29th, 30th or 31st of any month, as not all months have these days.
Can I set up an Account Alert for any time of the day?
You can set up Account Alerts for any hour of the day, as long as it is on the hour (1pm, 2pm, 3pm, etc). You cannot set up Account Alerts for times that fall between the hour, like 2.30 or 1.45.
Security
Is M-Banking secure?
ANZ M-Banking uses 128-bit encryption to code all information as it's exchanged, meaning it offers the same high level of security as ANZ Internet Banking.  Even so you should maintain the following basic security processes:
• Lock your phone or keypad
• Don't share your M-Banking link or PIN
• Never respond to texts that you haven't requested
• Never click on links or download applications that you haven't requested
• Delete sent and received texts from the Bank once you have read and used them.
How should I choose an M-Banking PIN?

As with any PIN, your M-Banking PIN should be easy to remember, but not obvious to others. Do not use a PIN based on easily accessible personal information like birth dates or phone numbers.

Your M-Banking PIN must be between 7 and 16 digits (numbers) long. It cannot include:
• any letters or "special characters" (e.g. ! ? , . & @ *)
• more than two sequential numbers (e.g. 123 or 432)
• more than two of the same number consecutively (e.g. 111 or 999)
• any of your 13 previously chosen M-Banking PINs

How do I change my M-Banking PIN?
If you want to change your M-Banking PIN visit the self registration site and login using your Customer Number and ANZ Internet Banking Password or Phone Banking PIN.  Select ‘Reset M-Banking PIN’ from the menu.  

Alternatively, simply call us on 0800 269 6624 or visit any ANZ branch.
What if I enter an incorrect M-Banking PIN?
You have three chances to enter your PIN. If you get it wrong on the third attempt your ANZ Mobile Phone Banking access will be suspended.  To re-activate ANZ Mobile Phone Banking you'll need go visit the self registration site.  

Alternatively, simply call us on 0800 269 6624, or visit any ANZ branch.
What should I do if I lose my phone or if my phone is stolen?
If you lose your phone or suspect your phones been stolen and would like to suspend your Mobile Phone Banking access, please call us on 0800 269 6624 or visit any ANZ branch.
Can someone else report my phone lost or stolen?
Yes, for your security we will suspend your ANZ Mobile Phone Banking service as soon as anyone reports your phone lost or stolen.
Fees and Charges
How much does it cost to use ANZ Mobile Phone Banking?

Access is free to ANZ's suite of Mobile Phone Banking products, however standard transaction fees may apply on some accounts (i.e. ANZ Classic account).

You will be charged the normal text fee by your network provider. This charge is not part of any free plans or special promotions or contractual entitlements.  Mobile Network charges will also apply based on your network provider's standard data or WAP charging - please talk to your network provider about this.
 

How much does it cost to set up an Account Alert?
There is no charge for setting up or changing an Account Alert.
Are Pay Anyone payments free?
Yes, you don't pay any extra to make Pay Anyone payments. Please note that transaction fees will still apply to pay as you go accounts such as the ANZ Classic Account and ANZ Business Current Account.
Does it cost more to have both TXT Banking and M-Banking?
No, there is no monthly fee for ANZ Mobile Phone Banking, whether you have TXT Banking, M-Banking or both.
How to get more help
How to get more help
Who do I call if I have a problem?
Call 0800 269 6624, or visit any ANZ branch, if you:
• have a transaction enquiry
• want to suspend or deregister your ANZ Mobile Phone Banking access.

Contact your network provider if you:
• have a problem with your mobile connection
• have a technical query about your handset.
Can I ring 0800 269 6624 from my mobile phone?
Yes, you can call 0800 269 6624 from your mobile phone to register and to make any changes to your ANZ Mobile Phone Banking set-up.
Who can use ANZ Mobile Phone Banking?
To use ANZ Mobile Phone Banking you must:
• be an ANZ customer
• have a ANZ Phone Banking or ANZ Internet Banking Customer Number.

If you're not already an ANZ customer, you can set up an account at any ANZ branch.
Can businesses use ANZ Mobile Phone Banking?
Yes, ANZ Mobile Phone Banking is available to ANZ personal, business, corporate and rural customers.
Can children use ANZ Mobile Phone Banking?
Customers aged seven to under thirteen years of age require written authority (on the Child's Account Application Form) from a parent or guardian to use Mobile Phone Banking. Children aged under seven years old cannot use Mobile Phone Banking.
Can I use ANZ Mobile Phone Banking on more than one phone?
No, each ANZ customer can only use ANZ Mobile Phone Banking from one mobile phone.
Can I use ANZ Mobile Phone Banking 365 days of the year?
Yes, you can. Please remember that any payments you make on weekends or public holidays are subject to normal account timing restrictions.
  • Log on using your Customer Number and ANZ Internet Banking Password or Phone Banking PIN
  • Accept the Mobile Phone Banking Terms and Conditions, select ‘M- Banking’ from the main menu and follow the on screen instructions
  • We’ll send your mobile phone a text message with a unique link to access ANZ M-Banking
  • Use the unique link to open ANZ M-Banking on your mobile phone’s Internet browser
  • Save the unique link in your mobile phone’s Internet browser for the next time you want to access ANZ M-Banking
  • Enter your Activation Code and choose a new M-Banking PIN.

Or you can:

Call
Call us on 0800 269 6624   
Visit your branch
Visit any ANZ Branch.