Pay to Mobile

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


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 registered for Pay to Mobile in the ANZ goMoney app, or not registered for goMoney, we’ll send them a text to let them know you’ve sent them a payment, and a link to visit the ANZ Claiming a Payment 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. Until ANZ processes the Pay to Mobile payment, the funds belong to the person making the payment. ANZ may cancel the authority for a Pay to Mobile payment recipient to claim a payment at any time prior to it being claimed and processed.

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Help and support

Important information

Our eligibility criteria apply.  Fees are subject to change.  Non-standard fees may apply.  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).