Internet Banking
Frequently Asked Questions and Answers
Please select the topic that your questions relate to:
Payments and transfers
Pay Anyone- Q.
- Q.Can I change the transfer of funds between my ANZ accounts from future dated to regularly recurring?
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Paying Bills- Q.
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Pay Anyone
Q. What type of ANZ accounts can I transfer funds to and from?
A. You can only transfer funds to and from the accounts you have linked to ANZ Internet Banking. These accounts are listed in the drop down boxes within ‘Transfer between my accounts’.
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Q. Can I change the transfer of funds between my ANZ accounts from future dated to regularly recurring?
A. Click ‘Transfer between my accounts’ and you will be able to set up a future dated transfer. If you would like to change this from a one–off future dated transfer to a regularly recurring transfer, you will need to firstly delete the original future dated transfer. This can be done by clicking ‘View Future Payments/Transfers’ in the Left Hand Navigation. Find the future dated transfer and select ‘Delete transfer’.
Then, to set up a regularly recurring transfer go to ‘Transfer between my accounts’, select the relevant accounts and then click on the ‘Regular transfer’ option. This option allows you to select when the transfer will start, when the transfer will end and the frequency of these transfers – ie daily, weekly or monthly.
Q. What is the cut–off time for ANZ Internet Banking transfers?
A. Funds transfers between your linked ANZ accounts will be completed immediately if initiated before 10pm AEST.
Please refer to the ‘Important Information’ at the bottom of the Internet Banking pages for further details about cut–off times, as they may vary depending on the time of day etc.
Q. Can I use ANZ Internet Banking to make payments to accounts at other banks?
A. Yes. the Pay Anyone facility enables you to transfer funds to any individual or business with a bank account held at most Australian financial institutions that accept direct credit payments.
To apply for Pay Anyone, select ‘Pay Anyone access’ in the left–hand menu under the ‘Everyday Banking’ tab and follow the instructions.
Q. What details do I need to make a payment to another person’s account?
A. If you wish to make a payment to another person’s account at ANZ or another financial institution in Australia, you will need the following information:
- The payee’s account number, which is numeric.
- A BSB number that is exactly six digits and identifies the bank and branch of the payee.
- The payee’s account name.
- If the account number is incorrect, many institutions will not accept the transfer. ANZ will not check these details.
Please note that you cannot transfer funds to a credit card account using Pay Anyone.
Q. When can I expect a Pay Anyone transfer to be processed?
A. Transfers of funds to other people's accounts at ANZ are processed overnight and available the following business day. If the payment is made to an account held with another financial institution, the funds will be debited from your account immediately but the time it takes for these funds to be lodged into the payee's account will be dependent of the other financial institution. For more information, refer to the Pay Anyone and International Services Terms and Conditions.
Q. What is the daily limit for Pay Anyone funds transfers?
A. When you apply for Pay Anyone you have the option of choosing your daily limit. The daily limit is the maximum amount that you may transfer using Pay Anyone during any day. You can choose either $1,000, $5,000 or $10,000. This daily limit does not affect any other part of your banking.
Q. How can I increase my Pay Anyone limit?
A. To increase the limit you will need to reapply to access Pay Anyone. Select the ‘Update my details’ tab and click on the ‘My Internet Banking Details’ option to change your Pay Anyone access. Once your application has been processed, you will receive a confirmation letter in the mail with an action number and instructions on how to reactivate Pay Anyone with your revised limit. Your action number must be activated within 28 days of making you application.
Q. Can I cancel a Pay Anyone transfer?
A. No, Pay Anyone transfers are immediate and cannot be cancelled. The only time you can cancel a Pay Anyone transfer is when you set a future dated transfer. Under the ‘Everyday Banking’ tab, in the left–hand menu click ‘View Future Payments/Transfers’. On this page, there is a ‘Delete transfer’ option, which will cancel the Pay Anyone transfer.
Paying Bills
Q. What is BPAY® and how do I set this up?
A. BPAY® enables you to pay bills online. You do not need to register to use BPAY®; you simply need to have a bill that has your biller’s details (including biller code and reference number) on it.
Q. How do I cancel future payments/transfers when using BPAY®?
A. You can cancel or delete a future payment prior to 12.00am (midnight AEST) on the day prior to the payment being made effective.
Q. Can I make a bill payment with my credit card?
A. Bill payments from your credit card can be processed as either a purchase or cash advance. This is dependent upon how the biller is set up with the BPAY® billing service. The biller has the option of accepting a credit card as a method of payment. If the biller chooses to accept, the bill payment is processed as a purchase. If the biller does not accept credit card payments, ANZ may allow you to make the payment from your credit card (when sufficient funds are available). If you choose to proceed with the payment, it will be processed as a cash advance and interest will accrue accordingly.
Q. What can I do if my Pay Anyone transfer or BPAY® payment hasn’t been received?
A. ANZ can investigate any Pay Anyone or BPAY® transaction on your account that you believe is either incorrect, has been sent to an incorrect reference number or has not been received. If you wish to have this transaction investigated we will lodge a dispute with our EFT Disputes Department. They will contact the merchant involved on your behalf to investigate the transaction. Transaction disputes can take up to 21 days to be resolved and the EFT Disputes Department will advise you of the result in writing. To lodge you enquiry please contact the Internet Service Team via SecureMail or call
Q. How much does it cost to use Pay Anyone or BPAY®?
A. There is no charge. However, if customers use all of their free withdrawals from their accounts in one month, normal excess transaction fees and government charges will apply.
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Copyright Australia and New Zealand Banking Group Limited (ANZ) 100 Queen Street, Melbourne 3000, ABN 11 005 357 522, 1996-2009.
ANZ's colour blue is a trade mark of ANZ. Any advice does not take into account your personal needs and financial circumstances and you should consider whether it is appropriate for you.
ANZ recommends you read the Product Disclosure Statement and the Financial Services Guide before acquiring the product.