Types of Payment Requests
One-Off Payment Requests
To make a one-off payment, simply choose the option to pay directly from your bank account. Then approve the payment request in goMoney.
Ongoing Payment Requests
Set up ongoing payments for things like subscriptions, bills and top ups. Approve the request in goMoney then view the details anytime. You can stop an ongoing payment request whenever you want.
What you need to use this service
- You need to be at least 18 years of age.
- You may need to enter a mobile number that you've verified with OnlineCode or Pay to Mobile so we can match the Payment Requests to you.
- You may be asked to scan a QR code as part of ANZ’s secure Payment Requests approval process. To do so, you need to use the QR code scanner within goMoney.
- You need to have an ANZ everyday account (such as Go, Freedom or Business Current) or ANZ Flexible Home Loan account that you have authority to make payments from, with enough funds for each payment.
- Your goMoney payment limit applies to ANZ Payment Requests. You can only approve a request for an amount within your limit. Each payment must also be within your limit when it’s processed. Contact us if you’d like to change your payment limit.
- You need the latest version of goMoney on your device. Visit the Apple App Store— or Google Play™ store— to update or download the app.
How it works
One-Off Payment Requests
You can make one-off payments of up to $25,000 with these ANZ-approved third parties and other third parties that are accredited by MBIE (Ministry of Business, Innovation and Employment):
How to make a one-off payment
Choose to pay by bank account where prompted and select ANZ. You’ll then access your payment request in one of three ways:
- You’ll be taken to your payment request in goMoney automatically.
- You may need to provide your mobile number to the third party. Then open goMoney. If there’s an option to ‘View request’, select it to be taken to your request automatically. Or go to Payments > Payment Requests.
- You may be asked to scan a QR code in goMoney. To do so, open goMoney, go to your profile in the top left, and select Security & access > Scan QR code. Scan the code and you’ll be taken to your payment request automatically.
If it’s the first time you’re paying through an approved or accredited third party, you’ll need to select Allow to receive requests from that third party.
Check the payment information when the request comes through and select the account you want to pay from.
Select Approve and then return to where you started the payment.
For added security, you’ll have to confirm your identity with Voice ID before a payment request for more than $10,000 can be approved.
The request will expire if you don’t approve it within seven minutes. No payment will be made and you’ll need to begin the process again.
When you approve a one-off payment request, your money will be withdrawn immediately and the payment can’t be stopped. Once the payment has been processed, you can see it in your account transactions.
Ongoing Payment Requests
You can set up ongoing payments of up to $25,000 with third parties that are approved by ANZ or accredited by MBIE.
How to set up ongoing payments
Choose to set up an ongoing payment request where prompted and select ANZ. You’ll then access your payment request in one of three ways:
- You’ll be taken to your payment request in goMoney automatically.
- You may need to provide your mobile number to the third party. Then open goMoney. If there’s an option to ‘View request’, select it to be taken to your request automatically. Or go to Payments > Payment Requests.
- You may be asked to scan a QR code in goMoney. To do so, open goMoney, go to your profile in the top left, and select Security & access > Scan QR code. Scan the code and you’ll be taken to your payment request automatically.
If it’s the first time you’re paying through an approved or accredited third party, you’ll need to select Allow to receive requests from that third party.
Check the details when the request comes through and select the account you want to make payments from.
Select Approve and then return to where you started the payment request.
For added security, you’ll have to confirm your identity before a request with a maximum payment amount of more than $10,000 can be approved. The request will expire if you don’t approve it within seven minutes. No payment will be made and you’ll need to begin the process again.
There needs to be enough money in your account at the time of each payment. A fee may be charged for insufficient funds. If you lower your goMoney payment limit after approving an ongoing payment request, any payment amounts above that limit won’t be processed. Once a payment has been processed, you can see it in your account transactions.
Viewing and stopping ongoing payment requests
Once an ongoing payment request is approved, the details can’t be changed. However, you and others with authority to make payments from the selected account can view and stop the request at any time. To see your ongoing payment requests, open Payment Requests in goMoney and select the Active tab.
Select the approved request you’d like to stop and select Stop payment request. The payment request will end and no more payments will be made. You can view requests that have stopped by selecting the Past tab.
An ongoing payment request can also end if it reaches its specified expiry date, or if you pay the maximum amount or make the maximum number of payments specified in the request details.
If payment requests aren’t working as expected
- You need to meet the requirements in What you need to use this service.
- You may need to enter 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 review your OnlineCode preferences in ANZ Internet Banking under Your settings, or your Pay to Mobile details under your profile.
- You may be asked to scan a QR code as part of ANZ’s secure Payment Requests approval process. To do so, you need to use the QR code scanner within goMoney.
- You might be trying to make a one-off payment or set up an ongoing payment request for more than the $25,000 limit.
- Check if you have an eligible ANZ everyday account (such as Go, Freedom or Business Current) or ANZ Flexible Home Loan account that you have authority to make payments from.
- The request may have expired if it’s been more than seven minutes which means you’ll need to begin the payment process again.
- Check you have the latest version of goMoney. Visit the Apple App Store or Google Play store to update or download your app.
If you have an issue or would like a refund
We can’t reverse a payment request transaction or dispute transactions.
If you have an issue (such as your payment was made twice) or want a refund, please contact who you made the payment to.
Banking safely with Payment Requests
- We only work with third parties that are approved by ANZ or accredited by MBIE.
- As payment requests come from third parties and aren’t started in goMoney, they don’t go through certain fraud and scam checks. For example, Confirmation of Payee – the service which lets you check that the account name matches the account number you intend to pay – isn’t available. And you won’t receive ‘stop and check’ payment warnings.
- 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.
- We’ll only share your account number and/or name with a third party if they request that information for a specific purpose, such as refunding your money or matching a payment to you.
- Never provide or confirm your login details, PIN, or password to any person, website or app other than Internet Banking or goMoney.
- You may need to enter your mobile number in order for a payment request to be sent to goMoney for your approval.
- You may need to scan a QR code in goMoney as part of ANZ’s secure Payment Requests approval process.
- 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 204KB) 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 safe:
Important information
Our eligibility criteria apply. See ANZ Payment Requests Terms and Conditions (PDF 38.2KB), our ANZ General Terms and Conditions and ANZ Electronic Banking Conditions (PDF 204KB) for full details.
Mobile phone network or internet provider charges, such as data fees may apply, depending on your provider.