skip to log on skip to main content
VoiceOver users please use the tab key when navigating expanded menus

Pay to mobile

Pay anyone using their mobile number


  • Ease - Need to pay someone and have their mobile number, but don’t have their bank account number
  • ConvenienceLike the convenience of paying with your mobile phone

Take the hassle out of paying

Now there’s an easier way to split the bill at restaurants or pay back that $20 you borrowed from a mate. 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 bank account.

Pay to Mobile is just one of the great features of ANZ goMoney – New Zealand’s favourite banking app. Learn more about ANZ goMoney or download the app now. Read on to find out how Pay to Mobile takes the hassle out of paying.

Making a payment

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

  1. Send To
    Select 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 recipient knows who it’s from.
  4. Message
    You can add a message to the recipient e.g. Thanks for lunch.
  5. Pay
    Check your payment details and select Pay.
  6. Receipt
    If the recipient doesn't have ANZ goMoney, the person you are paying will 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 recipient 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 recipient is a non-ANZ customer or doesn’t have the ANZ goMoney mobile 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 OnlineCode that will be sent to the person's 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.

Need help?

Help and support 

See all help and support articles

Eligibility criteria and terms and conditions apply to ANZ Internet Banking, ANZ goMoney, ANZ Phone Banking and Pay to Mobile. See our Electronic Banking Conditions (PDF 129kB) for more information.

You need Adobe Reader to view PDF files. You can download Adobe Reader free of charge.