Changes to ANZ rates, fees and agreements

ANZ Loop was originally planned to launch on 28 April but due to unforeseen circumstances, we will now be launching on Thursday 30 April. 

These changes are effective on Monday 13 April 2026, however Cashback Offers with ANZ Loop launches on 30 April 2026.

Notice published 30 March 2026

Effective from 13 April 2026, we’re making updates to the ANZ Electronic Banking Conditions, the ANZ EFTPOS and Visa Debit Conditions of Use and the ANZ Credit Card Conditions of Use. We’re adding new information to support the launch of Cashback Offers with ANZ Loop in ANZ goMoney. 

In relation to the ANZ Electronic Banking Conditions these updates include:

• New glossary definitions for Cashback and Cashback Offer and Eligible Transactions.
• New section on Cashback Offers in goMoney. This explains:
      -  Eligibility requirements (including device compatibility)
      -  How Cashback Offers may be surfaced in goMoney for eligible ANZ cardholders
      -  How you can opt out of receiving Cashback Offers at any time
      -  What happens to outstanding Cashback if you choose to opt out
      -  How to opt back in
      -  Important clarifications about information provided by third‑party merchants and ANZ’s responsibilities.

In relation to the ANZ EFTPOS and Visa Debit Conditions of Use and ANZ Credit Card Conditions of Use these updates include:

• New glossary definitions for Cashback, Cashback Offers and Eligible Transactions
• New section on Cashback Offers, including eligibility and how the program works. This explains:
      -  Eligibility requirements for ANZ Visa Debit and credit card customers (including device compatibility)
      -  Excluded transactions (e.g., payments via PayPal, cheque/savings selections at terminals when cards are inserted)
      -  How to opt out or opt back in
      -  When Cashback may not be received (e.g., card cancelled, opting out) and when you may be disqualified for Cashback
      -  That merchants and Visa are responsible for Cashback payments
      -  How offers may change, be boosted, extended, removed or suspended.

These changes clarify how Cashback Offers function and what customers need to know when using their ANZ Visa Debit card or credit card.

The updated documents will be available from 13 April 2026 on our General terms and conditions page, Debit cards page, the Credit cards rates, fees and agreements page or on request from an ANZ branch.

Notice published 24 April 2026

Effective 25 May 2026, we’re updating the ANZ Direct Online Conditions of Use to include the following changes.

We’re broadening the wording in the ‘Payments’ section on page 15 about when we can delay or refuse a payment, to explain that we can also cancel any payment or transaction to or from your account without giving you notice, and that this also applies where we may suspect fraud, money laundering, or other criminal conduct by you, an authorised signatory, or someone else.

We’re updating the wording in the ‘Payments’ section on page 14 to clarify that we accept no responsibility or liability for any losses or costs you or anyone else incur because we've delayed or cancelled a payment or transaction as explained above. We'll let you know if we're delaying or refusing to let you do a particular transaction, but we may not always be able to tell you why, if, for example, we have to comply with laws in New Zealand or overseas.

This remains subject to our obligations, if any, under the Consumer Guarantees Act 1993. 

We’re also including a new section called ‘Disabling Multi-Factor Authentication’ in the section called ‘Codes we send you’ on page 9. System administrators can control how multi-factor authentication is used to log in to ANZ Direct Online and elect for Verification Codes to not be required to log in to ANZ Direct Online, if this is in line with their business requirements and security policies.

System administrators can elect to either:

• Disable multi-factor authentication for certain users at log in. This means the selected users will not be sent a verification code to log in to ANZ Direct Online, and as a result, will not be required to enter a Verification Code to log in to ANZ Direct Online; or
• Exempt all users from multi-factor authentication and not require a verification code to log in to ANZ Direct Online.

We explain that turning off multi-factor authentication may increase the risk of unauthorised access and fraud on your accounts via ANZ Direct Online. You must only select to disable multi-factor authentication (whether it’s for certain users, or all users) where your organisation is aware of, and accepts, this risk.

Finally, we explain that multi-factor authentication (for example, entering a verification code when logging in) may not always be available. Proceeding without multi-factor authentication may increase the risk of unauthorised access and fraud on your accounts via ANZ Direct Online.

We have added a new obligation that you must review your multi-factor authentication settings regularly to ensure they are correct and align with your organisation’s business requirements and security policies.

An updated copy of the ANZ Direct Online Conditions of Use will be available from 25 May 2026 on our ANZ Direct Online page.

Notice published 20 April 2026

Effective from 4 May 2026, we’re updating the ANZ Fees and Charges brochure to remove the monthly account fee and transaction fee from the ANZ Business Premium Current Account. 

The other fees and charges in the brochure remain unchanged.

The updated documents will be available from 4 May 2026 on General terms and conditions or by request from an ANZ branch.

Notice published 15 April 2026

Effective from 1 May 2026, changes to New Zealand’s Privacy Act 2020 introduce new notification requirements when organisations collect personal information indirectly from someone other than the individual concerned unless permitted exceptions set out in the Act apply.

To reflect this, we’re updating our Privacy Statement to make it clearer how this works. We are also using the opportunity to clarify some other examples of when we use and share your information. When we refer to the ‘Privacy Statement’, we include the Cookies and Analytics and CCTV Notices as together, these three documents are our Privacy Statement.

Please note this update does not introduce new purposes for collecting the information.

We’ve updated the ‘Types of information we collect’ section of our Privacy Statement to provide clearer examples of the kinds of information we may collect. 

Most of these updates are not new but are expanded examples to provide additional transparency. Some updates are new, such as information we are legally required to collect which now includes the new Customer and Product Data Act 2025 for open banking.

We’ve updated the ‘How we collect information’ section to provide more transparency where we may receive personal information indirectly from another person or organisation, rather than directly from you. A lot of this information was already set out in our Privacy Statement but in this update, we have included further examples of indirect collection and some more detail as to the people or organisations we may collect information from.

Updates to the ‘Sharing your information’ section are again mostly not new, but are expanded examples to provide additional transparency and be consistent with the other updates in the document. 

The updated documents will be available from 1 May on Privacy at ANZ or by request from an ANZ branch.

Notice published 14 April 2026

Effective from 1 May 2026, we’re making minor updates to the ANZ Electronic Banking Conditions.

Changes to our ANZ Electronic Banking Conditions include the removal of ANZ View Bills which ANZ will no longer be offering as a service from 1 May 2026.

The updated documents will be available from 1 May 2026 on General terms and conditions or by request from an ANZ branch.

Notice published 7 April 2026

Effective from 21 April 2026, we’re making minor updates to the ANZ General Terms and Conditions. 

Changes to our ANZ General Terms and Conditions clarifies when we can close your account if you’ve not used it for at least one year.

The updated document will be available from 21 April 2026 on General terms and conditions or by request from an ANZ branch.

Notice published 7 April 2026

We’re making a change to our business overdraft interest base rate. Please see below for a summary of the adjustment and its effective date.

Interest rates are subject to change. Our lending criteria, terms, conditions, and fees apply.

Notice published 1 April 2026

^To earn premium interest, you must make no withdrawals and deposit $20 or more (not including credit interest) on or before the last business day of the month.

Interest rates are subject to change. Our lending criteria, terms, conditions, and fees apply. A copy of our Reserve Bank Disclosure Statement is available on Investor information or by request from any ANZ branch.

Notice published 27 March 2026

From 1 May 2026, reductions to interchange fees will take effect. These reductions apply to some Visa and Mastercard transactions and will lower MSF rates for ANZ FastPay and Interchange Plus customers. Fixed Rate customers will be contacted directly.

New interchange fee caps will apply to: 

• Card present credit transactions (including Visa, Mastercard); and
• Card not present credit and debit transactions (including Visa, Mastercard).

The changes apply to international cards only from 1 May 2026.

All other fees in the Merchant Agreement remain unchanged unless separately notified.

The changes differ by service, as described below.

FastPay:

• What’s changing: MSF rates will be reduced to reflect lower capped interchange fees.
• All other FastPay fees remain unchanged.

Interchange Plus:

• What’s changing: You will automatically receive the new, lower capped interchange rates.
• Your ANZ margin stays the same.

• FastPay customers will receive lower MSF rates from 1 May 2026.
• Interchange Plus customers will receive the new, lower capped interchange rates plus your agreed margin from 1 May 2026.

The updated rates will be reflected in June statements.

From 1 May, you can see the updated rates:

• Interchange Plus
• FastPay

For further support, contact ANZ Merchant Business Solutions on 0800 473 453, Monday to Friday, 8.30am – 5pm.

Notice published 12 March 2026

New legislation means incorporated societies in New Zealand need to take action to continue operating as an incorporated society.

Under the Incorporated Societies Act 2022, all incorporated societies registered before 5 October 2023 must re‑register with the New Zealand Companies Office by 5 April 2026. If a society does not re‑register by this date, it will cease to exist as an incorporated society.

The Incorporated Societies Act 2022 introduces updated governance and reporting requirements for incorporated societies, including:

• A requirement to re register under the new Act
• A constitution (previously called “rules”) that meets the Act’s requirements 
• A governing committee responsible for managing the society
• Clearly defined officer duties
• Dispute resolution procedures set out in the constitution
• Ongoing annual reporting and record keeping obligations.

More information about the law changes is available on the New Zealand Companies Office website.

Reregistering with no changes

If your society reregisters under the new Act and there are no changes to your governance, officers, signatories, or how your accounts are operated, you don’t need to contact us. Your banking with ANZ can continue as usual.

Reregistering with changes

To make sure you don't lose access to your accounts, let us know if your society changes any of the following as part of reregistration so we can update your banking details:

• committee members
• officers
• signatories
• account authorities
• operating rules under its constitution.

If, as part of reregistration, your society:

• changes its committee members, officers, or signatories
• changes account authorities or operating rules

you’ll need to let us know so we can update your banking details and ensure continued access to your accounts.

Continuing as an unincorporated society

Some societies may decide not to re‑register under the Incorporated Societies Act 2022 but still want to continue operating as an unincorporated society. If this applies to you, it’s important to contact us. We’ll work with you to understand your new structure and what changes may be required to your accounts, authorities and ongoing banking arrangements.

Converting to a different entity type

Some societies may choose to transition to a different legal structure, such as a charitable trust. This typically requires new account arrangements and updated documentation. Please contact us as early as possible so we can help support you through the transition.

Closing your society

If your society is winding up and does not intend to continue operating, please contact us so we can help you close accounts and manage any remaining obligations.

If your society does not reregister with the Companies Office by 5 April 2026, it will be removed from the Incorporated Societies Register and cease to exist as a legal entity.

In this situation, we will freeze your accounts and you will not be able to make payments or operate your accounts. You will need to contact us if this occurs. We can help you close accounts and manage any remaining obligations.

You only need to contact us if your society:

• decides not to re‑register
• changes its entity type (for example, to a charity)
• updates its governance, officers, or signatories
• is winding up or closing.

If your society re‑registers under the new Act and your details remain the same, you don’t need to contact us.

If your society’s details are changing or you’re unsure what applies to you, please:

• Contact your ANZ Relationship Manager, or
• Visit a branch or contact ANZ Business Banking on 0800 269 249 

We’re here to help support you through these changes and minimise disruption to your banking.

Notice published 10 March 2026

Effective from 8 April 2026, the ANZ goMoney mobile app won’t be supported on devices with the following operating systems:

• iOS operating system 16.1 or lower
• Android operating system 8.0 or lower

Between 8 April - 3 May 2026 you’ll still be able to use goMoney on your device, but you’ll no longer receive updates and won’t be able to reinstall or download it from the App Store or Google Play Store if it’s removed from your device.

From 4 May 2026, you’ll only be able to use goMoney if you update the operating system on your device to iOS 16.2 or above, or Android 9 or above. You can find out how to update your operating system on our Older versions of ANZ goMoney page.

If your device is too old to upgrade, or if you choose not to upgrade, goMoney won’t be supported after this date. ANZ Phone Banking will still be available, as well as Internet Banking which you can access through your mobile browser on your device.

Apple is a trademark of Apple Inc., registered in the U.S. and other countries.

Android is a trademark of Google Inc.

Notice published 27 February 2026

Effective from 1 April 2026, we’re making a change to the statement frequency for our Business Term Loan and Agri BKBM Loan. This means that:

• Statements will continue to be produced on the last business day of March and September
• Statements will no longer be produced on the last business day of June and December.

You can view your transactions and balances online using ANZ goMoney, Internet Banking, Direct Online and Transactive Global. Please contact your Relationship Manager if you have any questions.

Notice published 24 February 2026

We’re updating the ANZ Data Sharing service. As of 1 December 2025, the service can be offered by third parties approved by ANZ or accredited by MBIE (Ministry of Business, Innovation and Employment).

From 10 March 2026, ANZ customers will be able to securely share statement details (statement dates and documents) in addition to contact details and account information with approved or accredited third parties. 

If a third party requests your statement documents, all the information in them can be shared. This includes your name and address, and may include the name and address of other account owners, your other account numbers, upcoming payment details, interest rates and balances. 

Changes have been made to the following sections of the ANZ Data Sharing service terms and conditions:

• Introduction
• How your information is collected and shared with third parties
• How your information is kept safe by third parties
• Service availability (this section has been removed).

The updated terms and conditions will be available at ANZ Data Sharing and through the ANZ goMoney app from 10 March 2026.

We’re updating the ANZ Payment Requests service. As of 1 December 2025, the service can be offered by third parties approved by ANZ or accredited by MBIE. 

We’re also clarifying that we’ll only share your account number and/or name with a third party or payment service if they request that information for a specific purpose, such as refunding your money or matching a payment to you.

Changes have been made to the following sections of the ANZ Payment Request service terms and conditions:

• Introduction
• How your information is collected and shared with third parties
• How your information is kept safe by third parties
• Important things to know about your payment(s)
• Service availability (this section has been removed)
• Share your feedback.

The updated terms and conditions will be available at ANZ Payment Requests and through the ANZ goMoney app from 10 March 2026.

Notice published 15 January 2026

We're making changes to some of our home loan interest rates. See below for a summary of the changes and effective dates.

Interest rates are subject to change. Our lending criteria, terms, conditions, and fees apply. A copy of our Reserve Bank Disclosure Statement is available online or on request from any ANZ branch.

Notice published 1 December 2025

We’re making a change to our Institutional Overdraft Base Rate. See below for a summary of this change and effective date.

Interest rates are subject to change. 

Notice published 24 November 2025

Effective 17 December 2025 we will no longer offer Customer Preferred Currency (CPC) or its features Dynamic Currency Conversion (DCC) and Multi Currency Conversion Online (MCCo) to new or existing customers. As a result, all references to this product will be removed from the: 

• Merchant Facilities Terms and Conditions 
• General Merchant Operating Guide 
• ANZ Minimum Requirements for Accepting Payments Online
• Merchant Application form.

We’ve also added changes to ’Additional Services Schedule Three: Car Rental Transactions’ to clarify the correct processes for Delayed and Amended Charges.

Notice published: 30 October 2025

We’ve simplified the agreements for our Merchant facilities, including ANZ FastPay by consolidating documents and aligning our language across others.

• One set of terms and conditions now covers the ANZ Merchant Agreement, ANZ FastPay General Terms and Conditions, and ANZ FastPay Tap Terms and Conditions 
• One ANZ FastPay Merchant Operating Guide now replaces both the ANZ FastPay Merchant Operating Guide and the ANZ FastPay Tap Merchant Operating Guide, covering all ANZ FastPay products
• Minor updates have been made to the ANZ Merchant Agreement Debit Terms and Conditions, the General Merchant Operating Guide and the Debit Only Merchant Operating Guide.

From the 28 November 2025, your agreement with ANZ will consist of:

• The new Merchant Facilities Terms and Conditions (or the ANZ Merchant Agreement Debit Terms and Conditions for non-credit facilities) and applicable additional service schedules
• Any letter of offer and acceptance
• The relevant Merchant Operating Guide for your Merchant Facility
• Any other applicable documents or conditions in accordance with the Merchant Facilities Terms and Conditions. 

The majority of the changes are not material and include: 

• Small terminology changes in a number of clauses to ensure that they can apply across our Merchant facilities
• Moving some product specific terms from the consolidated terms and conditions into the specific products’ Merchant Operating Guide
• Removal of redundant or outdated provisions relating to products we no longer supply or processes that are no longer in use. 

We’ve also added the definition for ‘Non-Financial Transaction’, clarifying the intended behaviour for valueless transactions, such as declined payments, tokenisation requests, and authorisation requests.

Notice published 21 November 2024

We’re making a change to the benefits available under our ANZ banking packages. This means that ANZ will no longer offer a benefit for ANZ Life & Living Insurance under ANZ banking packages from and including 5 December. This change will not affect existing ANZ Life & Living Insurance policyholders who have signed up under an ANZ banking package.

This change impacts the terms and conditions for the following ANZ banking packages: ANZ@work, ANZ Staff Banking and Retired Officer, Law and Accounting Professionals, Franchise, Early Childcare Council and NZ Bar Association packages.

For information about a specific package, including package eligibility criteria and package benefits, or a copy of the new ANZ banking package Terms and Conditions, call our team on 0800 269 296 or visit any ANZ branch. ANZ Life & Living Insurance is provided by Chubb Life Insurance New Zealand Limited. No member of ANZ Bank New Zealand Limited and its related companies, or any other person, guarantees Chubb Life or any of its subsidiaries, or any of the products issued by them.