ANZ New Zealand

Account Service Charges

The following information is current as at 04 August 2010 and is subject to change.

Service charges apply when the specific service is used, and are in addition to account transaction charges. They are detailed below.

Service Charges
Overdrafts and overdrawing your account
International
Miscellaneous Charges

Service Charges

top

Additional statements and information

Duplicate or additional statement copies Includes Tax Deduction Certificate		$3.50 per issue
All other documents		$4.00 per page
Additional copies of same original		$1.00 per page

ANZ ATM – EFTPOS charges

Initial ANZ night & Day.PIX card		No fee
ANZ night & Day.PIX card redesign		No fee
Replacement Including ANZ Night & Day.PIX card		$15.00 per card

Customers will not be charged the replacement card fee where the magnetic stripe is wiped and the card does not work or where the card has been stolen.

ANZ ATM – EFTPOS used in NZ

ANZ ATMs For withdrawal, funds transfer, balance enquiry		No charge
National Bank ATMs		No charge
Non–ANZ and National Bank ATMs For withdrawal, funds transfer and balance enquiry		$1.00

ANZ ATM – EFTPOS used overseas

Balance enquiry		No charge
EFTPOS purchase		$1.00
ATM cash withdrawal		$5.00
A currency conversion fee applies to foreign currency transactions. Includes transactions through the MasterCard maestro and Visa PLUS networks		2.5% of the NZ$ amount

ANZ Mobile Phone Banking

Monthly access fee:	TXT Banking M–Banking	No fee No Fee
Account alerts:	To receive an alert To set up a new alert To change or cancel an alert	No fee No fee No fee
Account transfers:		No fee^*
Pay Anyone:		No fee^*
*Transaction fees will still apply to pay as you go accounts, such as ANZ Control Account and ANZ Business Current Account. Mobile provider charges apply to ANZ Mobile Phone Banking.

Automatic payments (AP) – fees per AP

Staff-assisted establishment, amendment and/or suspension of AP
(i.e. via branch or ANZ Phone direct)

$5.00 each

For AP's to ANZ Serious Saver the first AP establishment fee will be waived.

ANZ loan payments – fees per loan payment

Missed loan payment fee		$10.00 each
May be charged (to your funding account) if there are insufficient funds in your funding account to meet a loan repayment on the agreed date.

Deposits

Collection item fee:		25c
First 10 cheques deposited per account per key date cycle are free. Thereafter the collection item fee applies. This fee is not charged to customers on the ANZ Go, ANZ Everyday, ANZ Everyday Lite, ANZ Control, ANZ Advantage, ANZ Youth, ANZ Student and ANZ Graduate accounts.

Other bank deposit fee

$15.00

Cheques – fees per cheque

Stopped cheques		$20.00
Special answers > overnight		$15.00
> same day		$25.00 plus disbursements
> by hand		$40.00 per hour (minimum $25.00)

Bank cheques – per cheque

Issue/Replacement

$5.00

Passbooks

Replacement (damage or loss):

$15.00

Inoperative Account Fee

Fee:

$25.00

Inoperative account fees are charged on accounts with a balance less than $150 that haven't been used for one year or more. If the account balance is $30 or less, it may be closed.

Overdrafts and overdrawing your account	top
Personal authorised permanent and temporary overdrafts

Overdraft amount	Approval fee	Credit facility fee
Up to and including $2,500.00	$20.00	$60.00 p.a.
$2,501.00 and over	$40.00	$60.00 p.a.
Debit interest may also apply. Applies to overdrafts on personal transaction accounts.

Business Authorised Overdrafts

Overdraft approval fees

Authorised Overdraft approval fee

From $75.00

Overdraft amount		Credit facility fee
Up to and including $2,000.00		$36.00 p.a.
More than $2,000.00 and less than $50,000.00		1.8% p.a. of total limit
$50,000.00 and over Debit interest may also apply.		1.4% p.a. of total limit

Applies to overdrafts on business transaction accounts.

Credit facility fee
Credit facility fees apply to accounts that have an overdraft. They are calculated daily on the overdraft limit and charged monthly on the accounts' key dates.

Overdrawing your available balance or the approved overdraft limit

Unarranged overdraft fee

$8.00 for first transaction per day

ANZ can choose to charge an unarranged overdraft fee if you exceed your approved overdraft limit or your account becomes overdrawn by more than $20.00.

The fee is charged the first time this happens each day, with a maximum of $8 per account per day. This is in addition to debit interest.

Applies to withdrawals and transfers, including those done by ATM, EFTPOS, ANZ Phone Direct, ANZ Internet Banking, cheque, automatic payment, direct debit, Bill Payment and Pay Anyone.

This fee is not charged on the ANZ Everyday Lite account.

Insufficient Funds Fee
Cheque, automatic payment, direct debit, future dated Bill Payment and Pay Anyone transactions		$10.00 per transaction

ANZ can choose to charge an Insufficient Funds Fee when it declines a payment because there are not enough cleared funds in an account. The fees apply to transactions made by cheque, automatic payment and direct debit and to future dated Bill Payment and Pay Anyone transactions via internet banking. Debit interest also applies.

This fee is not charged on the ANZ Everyday Lite account.

Debit interest

Debit interest applies to accounts with an overdraft or accounts that are overdrawn. Charges monthly on the account's key date, although exceptions may apply for the ANZ Student account and the ANZ Graduate account.

International	top
Outward payments
International funds transfer Overseas bank charges may apply Via any ANZ branch, ANZ Phone Direct* or ANZ Internet Banking International Services*:
Issue	$25.00
Amendment	$25.00**
Via any ANZ Direct Online*:
Issue	$15.00
Amendment	$15.00**
Via any of the above options:
Enquiry Where the beneficiary is claiming non–receipt of funds.	$50.00 charge may apply***
Cancellation ANZ will make every attempt to return funds; however the beneficiary may have already been paid.	$50.00**
International bank draft
Overseas bank charges may apply Via any ANZ branch:
Issue	$22.00
Reissue/replacement#	$22.00
Via ANZ Phone Direct* or ANZ Internet Banking International Services*:
Issue	$18.00
Reissue/replacement#	$18.00
Via any of the above options:
Stop payment#	$30.00
Inward payments
Payments credited to an ANZ account##
In New Zealand dollars or foreign currency	$15.00
Payments credited to a non–ANZ bank account in foreign currency	$75.00
Foreign Cheques
Deposit of foreign cheques to an ANZ NZD account or Foreign Currency Account	$5.00 per deposit
Sent For collection (if you need to ensure cleared funds)	$75.00
Travel Money
ANZ sells:
Foreign currency notes	1.1% of the NZ$ amount (minimum $12.00)
ANZ buys:
Foreign currency notes
- Converted to NZ dollars	$5.00
- Credit to a Foreign Currency Account	1.1% of the NZ$ amount (minimum $12.00)
Foreign Currency Accounts
Foreign Currency Call Account Charged on the first business day of the next month	NZ$20.00 equivalent monthly fee
Foreign Currency Investment Account	One free withdrawal a month, then NZ$5 equivalent fee for each subsequent withdrawal.
Transaction fees and other fees and charges may apply to transactions that are initiated through ANZ Foreign Currency Accounts. Any fee of charged stated in a currency other than that of your ANZ Foreign Currency Account will be converted into the applicable foreign currency, at the prevailing exchange rate of the day of the transaction.
^Only available to registered users of these services ^Plus applicable exchange rate fluctuation. ^**A $50.00 fee may apply in certain circumstances, please check with our staff. ^#ANZ can only provide this service if the bank draft has not already been paid. Exchange rate fluctuations may apply. ^##No fee charged for payments under $75.00 New Zealand dollar equivalent

Miscellaneous charges	top
Clean credit
ANZ branches and other banks in New Zealand on establishment and annual renewal	$20.00
Authorising charge if transferring to another bank	1.0% of limit (minimum $15.00, maximum $40.00)

Same day cleared payment
Via branch or ANZ Phone Direct	$25.00

Customer information request
Information search fee	$50.00 per hour (minimum $15.00) 25c per copy of page from file

Voucher search
1–3 items	$15.00 per item
4 or more items	$7.50 per item

Faxing
Fax fee	$2.00 per page

Safe custody
Available at selected branches only
Standard envelope	$35.00 p.a.
Large envelope	$55.00 p.a.
Small cash box provided by customer	$65.00 minimum p.a.
Access fee	A fee of $2.50 is charged each time a safe custody item is accessed.
Transfer fee (domestic only)	A $20.00 fee for arranging transfer of an item to another branch nationally. All other costs of transfer, including transportation, are payable by the customer.
Certificate of balance	$5.00

Auditor's confirmation report
1–5 accounts	$100.00
6–10 accounts	$150.00
11–15 accounts	$200.00
16–20 accounts	$250.00
21+ accounts	$500.00
Less than 48 hours notice of requirement attracts double standard fee.

ANZ New Zealand

The ANZ website contains the following categories:

The About us category contains the following sections:

In this section

Rates, Fees and Charges