ANZ Payment Requests

A fast and secure way to pay for things online straight from your bank account. Use just your mobile number and the ANZ goMoney app at checkout. There’s no need for a credit or debit card, and there are no fees for receiving a payment request.

Benefits

Convenience

Now you’ve got another way to pay for things online. With Payment Requests you simply enter your mobile number at select checkouts and approve the payment in goMoney. Easy.

Security

While the payment comes directly out of your bank account, you don’t have to share your banking details with anyone. And all payments go through ANZ’s fraud monitoring systems.

Quick to set up

When you want to pay a store or business this way, you simply allow Payment Requests in goMoney and you’re good to go.

Where you can use ANZ Payment Requests

Payment Requests are only available from third parties that are approved by ANZ.

The first approved third party is Online EFTPOS, which you can use to make one-off purchases up to NZ$2,000.

What you need to use this service

To use Payment Requests, you need to:

Be at least 18 years of age and living in New Zealand
Have the latest version of ANZ goMoney on your mobile device. Visit the Apple App Store or Google Play Store to download the app
Have an ANZ everyday account (e.g. Go, Jumpstart, or Freedom) or an ANZ Flexible Home Loan account with enough funds for the purchase
Use a mobile number that you’ve verified with OnlineCode or ANZ Pay to Mobile

How it works

It just takes a few steps

Enter your mobile number where prompted at checkout.
Open your ANZ goMoney app.
• On iOS devices, tap Payments and then Payment Requests.
• On Android devices, select the main menu to find Payment Requests.
If it’s the first time you’re paying through an approved third party, tap Yes, allow Payment Requests to let these requests be sent to you in goMoney.
Check the payment information when the request comes through, and then select the account you want to pay from. Tap Approve and then return to the checkout to finalise your purchase.

Security time limit

For added security, you need to approve a payment request within seven minutes, or it will expire. No payment will be made and you’ll have to return to the checkout to restart the payment.

Immediate money withdrawal

Your money will be withdrawn immediately and the payment can’t be stopped. Once the payment has been processed, you’ll be able to see it in your account transaction history.

Why you might not see your payment request in ANZ goMoney

You don’t meet the requirements listed under ‘What you need to use this service’ above.
You need to use a mobile number you’ve verified with OnlineCode or Pay to Mobile so we can match Payment Requests to you. You can register for or check your Online Code preferences in ANZ Internet Banking under Your settings. Or you can register for or update Pay to Mobile in goMoney under Settings.
You’re trying to buy something that costs more than the transaction limit. See ‘Where you can use Payment Requests’ above.
You need to have an eligible ANZ everyday account (e.g. Go, Jumpstart, or Freedom) or an ANZ Flexible Home Loan account with enough funds for the purchase.
The request may have expired if it has been more than seven minutes which means you'll need to begin the process again.
You need to have the latest version of ANZ goMoney. Visit the Apple App Store or Google Play Store to download or update your app.

If you have an issue or would like a refund

We can’t reverse a payment request transaction and we can’t dispute transactions.

If you have an issue or want a refund, you’ll need to contact the store or business that you made the payment to. If they agree to the refund, we’ll share your account number with them or the payment service only for the purpose of returning your money.

Banking safely with ANZ Payment Requests

We only work with third parties (stores, businesses and payment services) that have agreed to meet both our security and privacy standards.
To make sure you understand a third party’s service and how they collect and use your information and keep it safe, check their terms and conditions and privacy policy.
With Payment Requests, you only need to provide your mobile number in order for a request to be sent to ANZ goMoney for your approval. Never provide or confirm your login details, PIN, or two factor authentication codes to any person, website or app other than ANZ Internet Banking or goMoney.
If you’re asked for any other details or you think a payment request has been created or approved fraudulently, contact us immediately. Call 0800 269 296 (or +64 4 470 3142 from overseas, charges may apply) to report a possible scam or fraud incident.
See our Electronic Banking Conditions (PDF 138KB) for your responsibilities in relation to the unauthorised use of ANZ’s electronic banking services.

Find out more about how your information is collected, shared and kept secure:

ANZ Payment Requests Terms and Conditions (effective 4 October 2023) (PDF 80.4KB)

Important information

Our eligibility criteria apply. See ANZ Payment Requests Terms and Conditions (PDF 59KB), our ANZ General Terms and Conditions and ANZ Electronic Banking Conditions (PDF 138KB) for full details.