Frequently asked questions

At our discretion ANZ may charge an unarranged overdraft fee when we honour a payment that causes an account to become overdrawn (beyond the available balance or the approved overdraft limit on the account). The fee is charged daily, with a maximum of $10 per account per day.

This applies to withdrawals and transfers, conducted through:

• ATM
• EFTPOS
• ANZ Phone Direct
• ANZ Internet Banking
• Cheque
• Bill Payment
• Pay Anyone
• Automatic payment
• Direct debit.

Debit interest also applies.

ANZ can choose to charge a dishonour fee of $30 per transaction when we decline a payment if there are insufficient cleared funds in the account.

The fee applies to transactions made by cheque, automatic payment and direct debit. Debit interest also applies.

Check your balance regularly to ensure you have sufficient cleared funds in your account.

Schedule your direct debits and automatic payments so that they happen at least one day after your regular deposits - for example, your salary, wage or pension.

Consider an ANZ Overdraft.* This can help you avoid the hassle of overdrawing your account.

• ANZ Overdraft

Allow time for all cheque and ATM deposits to clear before you try to draw on these funds. Normally you need to allow at least three to five working days.

* ANZ's lending criteria and fees apply.

A direct debit is authority to allow companies (e.g. your electricity supplier) to direct debit funds from your account. It is important to always check your statements to ensure that all transactions have been processed and are correct.

If you were expecting your account statement and you have not received it, please call us on 0800 103 123, 24 hours a day, seven days a week or visit any ANZ branch.

If you are currently residing overseas, ANZ has special requirements for opening an account online.

If you (and any other account holder, if it's a joint account) are an existing ANZ New Zealand customer you'll be able to open an ANZ account online.

If you're a new ANZ New Zealand customer, the account can only be opened online if you (and all other joint account owners, if it's to be a joint account) can come into any ANZ New Zealand branch within 90 days of applying online.

If you do not meet these criteria, please call 0800 103 123.

For international callers, please dial +64 4 472 7123.