Frequently asked questions

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.

If you have an ANZ Customer Registration Number and either an ANZ Internet Banking login or Phone Direct PIN you can register on our M-Banking registration site. If you aren’t sure, or if you are not already registered for ANZ Phone Direct or ANZ Internet Banking, simply call us on 0800 ANZ MOBI (0800 269 6624), or visit any ANZ branch.

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.

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 – your URL link is unique to you.  Remember to bookmark the unique link so you can easily access M-Banking in the future.

You can update your Mobile Phone Banking preferences on our M-Banking registration site - login using your Customer Registration Number and Internet Banking Password or Phone Direct PIN.  Select ‘Update Details’ from the M-Banking Menu and follow the instructions on the screen.  Alternatively, simply call us on 0800 ANZ MOBI (0800 269 6624), or visit any ANZ branch.

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, simply request a new Activation Code online or call us on 0800 ANZ MOBI (0800 269 6624), or visit any ANZ branch.

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 online or call us on 0800 ANZ MOBI (0800 269 6624), or visit any ANZ branch.

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 M-Banking page or by calling us 0800 ANZ MOBI (0800 269 6624), or visit any ANZ branch.

To request a new M-Banking activation code visit the M-Banking registration site, login using your Customer Registration Number and Internet Banking Password or Phone Direct 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 ANZ MOBI (0800 269 6624), or visit any ANZ branch.

No. Your Activation Code is only valid when it's used with the unique web link we sent you when you registered for ANZ M-Banking.

M-Banking links are sent via text message to your mobile phone number.  Request a new M-Banking link from the M-Banking registration site and login using your Customer Registration Number and Internet Banking Password or Phone Direct PIN.  Select ‘Resend M-Banking Link’ from the M-Banking Menu. Alternatively, simply call us on 0800 ANZ MOBI (0800 269 6624), or visit any ANZ branch.

If you transfer money between your accounts before 10.30pm on a business day, your account will be updated on the same day.  If you transfer money between your accounts after 10.30pm on a business day, or at anytime on a non-business day, your account will be updated on the next business day.

No. All transfers made using M-Banking are immediate.

Once a transfer has been made, you'll be displayed a transfer result screen showing the new balances of the accounts that you performed the transfer on.

Yes, you can make the transfers to or from your ANZ credit card using M-Banking.  

Unfortunately, no you cannot make transfers to or from your ANZ term deposit account using M-Banking.

You can make a Pay Anyone payment to any other personal or business bank account in New Zealand.

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.

The daily limit for all payments made from your mobile phone is $1,000 in total.

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.

No. All Pay Anyone payments made using M-Banking are immediate.

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.

Once a payment has been you'll receive a confirmation message and a receipt number.

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 ANZ MOBI (0800 269 6624) or visit an ANZ branch to make sure.

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 ANZ MOBI 
(0800 269 6624), or contact any ANZ branch, as soon as possible.

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.

No. The "Favourites" you save in ANZ Mobile Phone Banking won't automatically be saved into your ANZ Phone Direct and ANZ Internet Banking services.  They are specifically used for M-Banking.

You can set up as many Account Alerts as you like at no charge.

Account Alerts can be managed on our M-Banking site, by calling us on 0800 ANZ MOBI (0800 269 6624) or by visiting any ANZ branch.

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.

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.

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.

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

If you want to change your M-Banking PIN visit the M-Banking registration site and login using your Customer Registration Number and Internet Banking Password or Phone Direct PIN.  Select ‘Reset M-Banking PIN’ from the menu.  Alternatively, simply call us on 0800 ANZ MOBI (0800 269 6624) or visit any ANZ branch.

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 M-Banking registration site.  Alternatively, simply call us on 0800 ANZ MOBI (0800 269 6624), or visit any ANZ branch.

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 ANZ MOBI (0800 269 6624) or visit any ANZ branch.

Yes. For your security, we will suspend your ANZ Mobile Phone Banking service as soon as anyone reports your phone lost or stolen.

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

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.

There is no charge for setting up or changing an Account Alert.

Yes. You don't pay any extra to make a Pay Anyone payment. Please note that transaction fees will still apply to pay as you go accounts such as the ANZ Control Account and ANZ Business Current Account.

No. There is no monthly fee for ANZ Mobile Phone Banking, whether you have TXT Banking, M-Banking or both.

Who do I call if I have a problem?
Call 0800 ANZ MOBI (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

Yes. You can call 0800 ANZ MOBI (0800 269 6624) from your mobile phone to register and to make any changes to your ANZ Mobile Phone Banking set-up.

To use ANZ Mobile Phone Banking you must:
• be an ANZ customer
• have a ANZ Phone Direct or ANZ Internet Banking Customer Registration Number
• be over 15 years old.

If you're not already an ANZ customer, you can set up an account at any ANZ branch.

Yes. ANZ Mobile Phone Banking is available to ANZ personal, business, corporate and rural customers.

Children aged between seven and 15 can use ANZ Mobile Banking with a parent or guardian's permission (parents so consenting will need to sign the indemnity form relating to minors under 15). Children under seven cannot use ANZ Mobile Phone Banking.

No. Each ANZ customer can only use ANZ Mobile Phone Banking from one mobile phone.

Yes, you can. But remember that any payments you make on weekends or public holidays are subject to normal account timing restrictions.

With TXT Banking you can request up-to-date account balances and mini statements on up to three accounts. Mini statements will show the last five to seven transactions on that account.

If you have an ANZ Customer Registration Number and either an ANZ Internet Banking log on or Phone Direct Pin you can register online at our TXT Banking registration site. If you are not already registered for ANZ Phone Direct or ANZ Internet Banking, call us on 0800 ANZ MOBI (0800 269 6624) or visit your nearest branch.

To be able to use TXT Banking you'll need a phone that can send and receive text messages. If you're unsure, call us on 0800 ANZ MOBI (0800 269 6624).

No. Each ANZ customer can only use TXT Banking from one mobile phone.

You can register up to three of your ANZ accounts for TXT Banking.

Yes you can, but your phone will need to browser enabled and allow access to the Internet. You can register for M-banking online at our M-Banking registration site. If you are not already registered for ANZ Phone Direct or ANZ Internet Banking, call us on 0800 ANZ MOBI (0800 269 6624) or visit your nearest branch.

To update your Mobile Phone Banking preferences go to our TXT Banking maintenance page and login using your Customer Registration Number and Internet Banking Password or Phone Direct Pin.  Select ‘Update Details’ from the TXT Banking Menu and follow the instructions on the screen.  Alternatively you van visit your nearest Branch or call us on 0800 ANZ MOBI (0800 269 6624).

You must be registered for ANZ Phone Direct or ANZ Internet Banking before you can register for ANZ TXT Banking.

You can still use TXT Banking to receive balances and mini statements.

Simply text BAL to 880 to get your account balances.

Yes. All account balances are in "real time" which means that they take into account all credits to or debits from your account, right up to the time you request your account balance. Remember though, that any transactions made after 10.30 pm will not be processed until the next business day.

If your account is in debit a "–" sign will appear after the account balance. If it is in credit, no sign will appear after the account balance.

You should get a response almost immediately after you text your account balance request. There may be short delays when network usage is higher than usual

Simply text STMT 1, STMT 2 or STMT 3 to 880 to get a mini statement for any of your three accounts.

Yes. All mini statements are in "real time" which means that they take into account all credits to or debits from your account, right up to the time you request your account balance.

A debit sign ("–") will appear after each withdrawal from your account. A credit sign

Your mini statement will show your current account balance, plus the last five to seven transactions for that account. The exact number will depend on the make and model of your handset as well as the size of the transactions and balances shown.

You should get a response almost immediately after you text your mini statement request. There may be short delays when network usage is higher than usual.

The new M-Banking is accessed via your mobile phone's Internet browser, there is no need to download and install anything on your mobile phone.  Going forward each time you use M-Banking you will simply need to open up your mobile phone's Internet browser and enter your unique link.

Previously M-Banking allowed you to link up to 10 of your accounts.  In order to provide you with enhanced functionality and an easier sign up process we now automatically return all of your accounts that can be accessed using M-Banking.

The new browser based service provides ANZ with a platform to provide you with a richer mobile phone banking experience moving forward.  For new customers the registration process is now much easier.

Most mobile phones that are browser enabled and allow access to the Internet are suitable for M-Banking.

No, the existing M-Banking features have not changed; we’ve just provided a more user friendly way for you to access M-Banking.

You can still:

• View your accounts and mini statements
• Make transfers between accounts
• Pay Anyone with a New Zealand bank account
• Receive Account Alerts

If you are an existing active M-Banking customer you will have received either a letter or text message informing you about the M-Banking upgrade.

If you have received a text message containing your unique M-Banking link you simply need to click on this link and enter your existing M-Banking PIN.

If you haven’t received a text message or can’t remember your M-Banking PIN, simply visit the mobile phone banking self registration page and login to request a link be sent to your mobile phone and / or reset your PIN. Alternatively you can visit your nearest ANZ branch or call us on 0800 ANZ MOBI 
(0800 269 6624).

To save you from re-typing your M-Banking link each time you wish to use M-Banking you should add your M-Banking link as a Bookmark on your Mobile Phone.

M-Banking links are sent via text message to your mobile phone number.  To request a new M-Banking link go to the mobile phone banking self registration page and login using your Customer Registration Number and Internet Banking Password or Phone Direct PIN.  Select ‘Resend M-Banking Link’ from the M-Banking Menu.  Alternatively you van visit your nearest ANZ branch or call us on 0800 ANZ MOBI (0800 269 6624).

If you can’t remember your M-Banking PIN go to the M-Banking maintenance page and login using your Customer Registration Number and Internet Banking Password or Phone Direct PIN.  Select ‘Reset M-banking PIN’ from the menu.  Alternatively you can visit your nearest ANZ branch or call us on 0800 ANZ MOBI (0800 269 6624).

M-Banking links are sent via text message to your mobile phone number.  To request a new M-Banking link go to our M-Banking maintenance page and login using your Customer Registration Number and Internet Banking Password or Phone Direct PIN.  Select ‘Resend M-Banking Link’ from the M-Banking Menu.  Alternatively you van visit your nearest ANZ branch or call 
0800 ANZ MOBI (0800 269 6624).

Account Alerts can be managed online at our M-Banking maintenance page, by visiting your nearest Branch or by calling us on 0800 ANZ MOBI (0800 269 6624). You will continue to receive the Account Alerts you set up on the Java M-Banking Platform.

We are unable to transfer any Pay Anyone favourites that you set up using the Java based M-Banking. You will need to record the Pay Anyone favourites that you wish to transfer to the new M-Banking service. Once logged on to the new M-Banking service add your Pay Anyone favourites by selecting ‘Other’ from the main menu and following the instructions on the screen.

To update your Mobile Phone Banking preferences go to our M-Banking maintenance and login using your Customer Registration Number and Internet Banking Password or Phone Direct PIN.  Select ‘Update Details’ from the M-Banking Menu and follow the instructions on the screen.  Alternatively you van visit your nearest ANZ branch or call us on 0800 ANZ MOBI (0800 269 6624).

Please check that you have network coverage and that you have entered the correct PIN. If you still can’t access M-Banking please visit your nearest ANZ branch or call us on 0800 ANZ MOBI 
(0800 269 6624).

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
• 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.

Access is free to ANZ’s suite of Mobile Phone Banking products, however standard transaction fees may apply on some accounts (i.e. ANZ Control).  Mobile Network charges will apply based on your network provider's standard data or WAP charging - please talk to your network provider about this.

To update your Mobile Phone Banking preferences go to the M-Banking maintenance and login using your Customer Registration Number and Internet Banking Password or Phone Direct PIN.  Select ‘Maintain’ from the M-Banking Menu and follow the instructions on the screen. Alternatively you can visit your nearest ANZ branch or call us on 0800 ANZ MOBI (0800 269 6624).