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Pay to Mobile

Use ANZ goMoney to pay anyone with a New Zealand bank account using just their mobile number.





Take the hassle out of paying – there’s an easier way to split the bill at restaurants or pay back that $20 you borrowed from a mate.

Using the ANZ goMoney mobile app, you can send money to anyone with a New Zealand bank account using just their mobile phone number.

Time saver

There’s no need to remember bank account details. With Pay to Mobile you can send money to friends, family or anyone else, quickly and easily using their mobile phone number. The money will go into their chosen New Zealand bank account.

Easy to set up

All you need is a compatible smartphone and the ANZ goMoney app. Find out more about goMoney or download the app via your app store.

Making payments

First, log in to ANZ goMoney and select Payments, then Pay to Mobile.

1. Send To
Select the mobile number from your phone’s contact list, or enter the mobile number of the person you want to pay.

2. Amount
Enter the payment amount.

3. Your Name
Enter your name so the person knows who the payment is from.

4. Message
You can add a message so the person knows what the payment is for e.g. Thanks for lunch.

5. Pay
Check the payment details and select Pay.

6. Receipt
If the person you’re paying doesn't have ANZ goMoney, they’ll receive a text message advising they’ve been sent a mobile payment to be collected and the steps they need to follow to collect it.

Remember: the money won’t be transferred to their mobile account, it will go into their chosen bank account.


Receiving payments

If the person you’re paying also has ANZ goMoney

We’ll send the payment to their ANZ account straight away, and send them a text to let them know.

If the person you’re paying doesn't have goMoney

If the person you're paying isn't an ANZ customer, or if they don't have the ANZ goMoney app, we’ll send them a text to let them know you’ve sent them a payment, and a link to our payment collection website. Once they’ve entered their mobile number, payment amount, name, account number and OnlineCode (this is a secure one-off code that will be text to their mobile once they've entered the mobile number and amount of the payment), we’ll send the money to their account. If the payment isn’t collected within seven days it will simply be returned to your account.

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.

Need help?

Help and support 

See all help and support articles

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).