Pay people and bills

Electronic payments provide a fast, secure and convenient way to pay people and bills.

Types of electronic payments

How-to guides and videos

We’re making digital banking easier with our step-by-step printable guides for the ANZ goMoney mobile app, ANZ Internet Banking and ANZ Phone Banking. We also have a range of video guides for Internet Banking. Learn how to:

  • Pay a person or bill
  • Transfer money between your ANZ accounts
  • Set up and manage automatic payments
  • View and download account and tax statements
  • Manage your personal debit and credit cards, including setting a PIN, placing a temporary block, and ordering a replacement card.

How and when we make payments

When you make payments, it’s important to note that, unless we’ve agreed otherwise, we use the balance of your account at the end of the previous business day to calculate any interest we pay. We may also use the balance of your account at the end of the previous business day (after any interest has been charged on that day) to calculate any interest or fees we charge over non-business days. You can read more in our General Terms and Conditions (PDF 272 KB)

It’s important to understand how and when your electronic payments are made, so you can make sure you have enough money in your account.

Same-day payments are funds transfers, bill payments, Pay to Mobile, and tax payments that you have set up to be paid straightaway.

Payments to ANZ accounts

We take the money from your account immediately and send it to the ANZ account you're paying immediately, any time of the day or night, seven days a week.

Payments to non-ANZ accounts

We take the money from your account immediately, and then send it to the other bank to process. If you set the payment up between 9am and 10pm on a business day, it will be sent that same day. If you set up the payment after 10pm or on a non-business day, we'll send it on the morning of the next business day.

Future-dated and automatic payments include funds transfers, bill payments and tax payments that you’ve set up to come on a particular date – either as a one-off payment or a regular (automatic) payment. We start to process future dated and automatic payments from 4am on the payment date you have chosen.

Payments to ANZ accounts

We take the money from your account, if there's enough, from 4am and send it to the ANZ account you're paying immediately. If the payment date isn’t a business day, we’ll take the money from 4am on the next business day.

Payments to non-ANZ accounts

We take the money from your account, if there's enough, from 4am and send it to other bank from 9am. If the payment date isn’t a business day, we’ll take the money from 4am the next business day.

Direct debit payments will be made during the day on business days, when we receive a request from the organisation you're paying. 

ANZ loan payments

Loan repayments are taken from your account after 10pm on business days.

From 12 August 2022, personal and home loan repayments will be taken on the day they are due, even if it’s a weekend or public holiday. Read more about these changes and how we process loan repayments

Payments to your ANZ credit card

Payments to ANZ credit card accounts can take up to 3 business days to be processed and appear in your card account. You can pay your credit card via bill payment, automatic payment, funds transfer, direct debit, or at branches.

Payments to KiwiSaver accounts managed by ANZ Investments

These payments will be taken from your account as soon as you set them up (if a same-day payment) or from 4am on the due date (if future-dated). Payments to your KiwiSaver account cannot be reversed.

KiwiSaver account payments usually appear in your account within five business days.

What happens when we can’t make payments

We've designed our payment process to try and make as many payments as possible for you. This may mean that some lower value payments are made before higher value payments if you don't have enough money in your account to make all of the payments you've set up to be made that day.

If we can’t make a payment because you don't have enough money in your account, we'll continue to try throughout the day on business days. We call this a 'retry'. Our final retry is made at 4am the morning of the following business day. For direct debits however, the final attempt is midnight on the day the direct debit is due.

If you don’t have enough money in your account on our final retry, the payment may fail, be dishonoured or we may choose to make the payment anyway. If we choose to make the payment and your account becomes overdrawn, a fee and interest may apply. See more about the fees and interest that apply to overdrawn accounts.

So we can make your payments on the date requested, and to avoid possible fees and interest charges, please make sure there is enough money in your account to cover them.

How to see if payments are in retry

  • In the goMoney mobile app or Internet Banking, view the Upcoming Payments screen. 
  • In ANZ Phone Banking, use the Upcoming Bill Payments or Automatic Payments function. 

If a payment is in retry, you can delete it yourself in goMoney, Internet Banking or Phone Banking. You are not able to see, or delete, a direct debit that may be in retry.

How to see failed payments

Failed payments (and fees and interest if applicable) will show in your transaction history. The payment will show as a withdrawal for the original amount, a deposit back into your account (i.e. a reversal).

How to make changes to payments

Same-day payments

If you've set up a payment to be made on the same-day, then once you've confirmed that payment you can't delete or change it. We start the process of sending that payment immediately.

Future-dated and automatic payments

If you set up your payment to be made on a future date, then you can make changes up until 4am on the due date of the payment. You can use goMoney, Internet Banking or Phone Banking to:

  • Skip or edit an automatic payment.
  • Delete all future-dated payments.

If you need to set up a new automatic payment to start today, or change an automatic payment from a future date to today’s date, you can do so up until 9.30pm on business days. After 9.30pm, or on a non-business day, the payment will be made the next business day instead.

Direct debits

If you wish to change your direct debit (e.g. change the amount, payment date or frequency), you will need to contact the person or organisation you're paying and talk through your options.

To cancel a direct debit, contact us so that we can remove the direct debit authority. You must also contact the person or organisation you’ve given permission to take the direct debit from your account (the ‘initiator’). Otherwise, they may continue to attempt debiting the payment. 

Retrieving payments made in error

Automatic payments and bill payments

Always check your payment details before you confirm a payment. If you make a mistake when you make a payment, for example you've paid the wrong account number or the wrong amount, we can't stop the payment being sent.

If you do make a mistake, contact us immediately. We may be able to help you by contacting the other bank or the other ANZ customer and asking them to return the money. We cannot guarantee you will be able to recover the payment. A credit retrieval fee of $25 may apply, even if we're not able to recover the funds for you.

See our rates, fees and agreements section for more information. Note, we don’t have to get involved in disputes between you and anyone receiving your electronic payment but will help if we can.

Direct debits

If you have a problem with your direct debit, you’ll need to contact the person or organisation you’re paying directly.

How to bank safely

We’re committed to keeping you and your banking safe, and you have a role to play too. Working together, we can keep you even safer. However you choose to bank, find out how to keep safe.

Accessible banking

We’re working hard to make our banking products and services accessible and available to all New Zealanders, regardless of ability.

Help and support

Important information

Eligibility criteria, terms, conditions and fees (including non-standard fees) apply. Fees are subject to change. Please use the following links for full details of our Terms and Conditions, Fees and Charges (PDF 166KB), ANZ EFTPOS Card and ANZ Visa Debit Card Conditions of Use (PDF 103KB), Electronic Banking Conditions (PDF 129KB) and ANZ Credit Card Conditions of Use (PDF 323KB).