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ANZ Payment Requests

A fast and secure way to pay for things straight from your bank account using the ANZ goMoney mobile app. There’s no need for a credit or debit card.

Benefits

Convenience

To pay a store, business or merchant with Payment Requests, simply choose the option to pay directly from your bank account. Then approve the payment request in goMoney—. Easy.

Security

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

Quick to set up

Simply allow Payment Requests in goMoney once for each ANZ-approved payment service and you’re good to go.

Where you can use Payment Requests

You can use Payment Requests with these approved third parties for one-off payments of up to NZD5,000:

  • Online EFTPOS
  • Blink PayNow

What you need to use this service

Here are the requirements for Payment Requests:

  • 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 ANZ Pay to Mobile so we can match Payment Requests to you.
  • You need to have an ANZ everyday account (e.g. Go, Freedom or Business Current) or ANZ Flexible Home Loan account that you have authority to make payments from, with enough funds for the payment.
  • 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

It just takes a few steps

  1. Choose to pay by bank account where prompted, and select ANZ. You may need to enter your mobile number.
  2. Go to Payment Requests in goMoney. You’ll either be taken there automatically, or you can find your request:
    • On iOS devices, tap Payments then Payment Requests.
    • On Android™ devices, select the main menu, then Payment Requests.
  3. 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.
  4. 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 where you started the payment.

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 need to begin the payment process again.

Immediate payment confirmation

When you approve a 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 transaction history.

Why you might not see your payment request in goMoney

  • 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 Online Code 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. You can register for or update Pay to Mobile in goMoney under Settings. 
  • You’re trying to pay for something that costs more than the transaction limit. See Where you can use Payment Requests.
  • Check if you have an eligible ANZ everyday account (e.g. Go, Freedom or Business Current) or ANZ Flexible Home Loan account that you have authority to make payments from, with enough funds for the payment.
  • 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 and we can’t dispute transactions.

If you have an issue (e.g. your payment was made twice) 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 Payment Requests

  • We only work with third parties (stores, businesses and payment services) that have agreed to meet 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.
  • 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.
  • 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 27 August 2024) (PDF 60.1KB)

Important information

Our eligibility criteria apply. See ANZ Payment Requests Terms and Conditions (PDF 75KB), our ANZ General Terms and Conditions and ANZ Electronic Banking Conditions (PDF 138KB) for full details.

Mobile phone network or internet provider charges, such as data fees may apply, depending on your provider.