OnlineCode

OnlineCode is our ‘two-factor authentication’ that gives you extra protection when performing certain actions in ANZ Internet Banking and ANZ goMoney mobile app.

How OnlineCode works

When you’re performing certain actions online, we’ll send a unique OnlineCode by text message to your mobile phone. You simply enter the OnlineCode to authorise the transaction. This helps us make sure it’s you making the transaction, and not someone else.

If you're registered for OnlineCode it will be required for the following actions:

  • Making payments over $10,000 in ANZ Internet Banking
  • Sending money overseas
  • Registering for ANZ goMoney
  • Adding ANZ goMoney to a new mobile device
  • Resetting your PIN using the ‘Forgot my PIN’ option in ANZ goMoney

And if you want even more protection in ANZ Internet Banking, you can also choose to always use OnlineCode for other transactions too – just go to ‘Change OnlineCode preferences’ in Internet Banking.

Registering for OnlineCode

If you use ANZ Internet Banking we strongly recommend you register for OnlineCode. When you log on to Internet Banking the registration process will begin automatically. Just enter your New Zealand mobile number. You’ll then receive a text message with a unique code – just enter it on the Internet Banking screen and we’ll take care of the rest.

If you don’t have a mobile, have an international phone number or live in a low coverage area, please call us on 0800 269 348. If you are overseas, call +64 4 499 4079 (toll charges apply).

Got a question about OnlineCode? Use our ANZ Help tool.

Safe and secure

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ANZ Secure is our commitment to helping protect you when you bank with us. It’s an approach based on three pillars:

  • Protect - protecting you with multiple layers of security.
  • Monitor - monitoring your banking 24/7 for potential threats.
  • Act - acting when needed.  


The commitment also involves working together, as there are also things you can do to help keep yourself safe. You can read about some of the ways we help keep your banking secure below. For more about what we do to help protect you, and what you can do to help protect yourself, visit our Banking safely section.

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Protection against fraud

If you're a victim of fraud where someone accessed and used ANZ goMoney, Internet Banking, Phone Banking or your card without your authority, talk to us immediately and we'll look at how we can help. We'll reimburse you if you didn't act fraudulently or negligently, didn't contribute to the loss, took reasonable steps to protect your banking and complied with our Electronic Banking Conditions (PDF 108kB).

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Customer security

You’re protected by some of the best security and technology available to help keep your information safe


Help and support

pen  Important information

Eligibility criteria and terms and conditions apply to ANZ Internet Banking, ANZ goMoney and ANZ Phone Banking. See our Electronic Banking Conditions (PDF 144kB) for more information.

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