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Make payments

Paying a bill, fixing up a friend for lunch, or sending money to a relative overseas? It’s easy to pay quickly and securely from the ANZ App and Internet Banking.

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Make a payment within Australia

Make a payment with BPAY®

Make an international payment

Payment limits

About SWIFTs, BICs and IBANs

FAQs

Are you an ANZ Plus customer?

For support, visit ANZ Plus Support.

Extra Protection when making payments

As an extra layer of protection when making payments, setting up new payees or changing your daily limit, you may be prompted to use Voice ID in the ANZ App. Alternatively, you may be prompted to use ANZ Shield or a one-time passcode (OTP) in ANZ Internet Banking.

Make a payment within Australia

You can send money from your account to any Australian bank, building society or credit uniondisclaimer in two easy ways – using the recipient’s BSB and account number or their PayID®disclaimer (mobile number, email address or ABN). This type of payment is also known as a Pay Anyonedisclaimer payment.

If suitable, some payments are processed by a method called Osko®disclaimer and received in as little as 60 seconds, otherwise they’ll be processed within five days.

Remember, when making a payment, it’s your responsibility to ensure the details you provide are correct so be sure to double check that you have entered the recipient and amount correctly. And of course, it’s always important to stay vigilant to steer clear of scams. Learn more.

Note: If you are an ANZ Plus customer, learn more about sending money to your ANZ Plus, ANZ Save or ANZ Plus Flex Saver accounts.

How to make a payment within Australia

Log in to the ANZ App

Go to Accounts and tap Pay

Select from your existing payees or tap + to add a new payee

Choose to make a payment Today, Later, or Recurring if you want to set up regular payments

Follow the prompts. Easy!

How to make a payment within Australia

To make a payment in ANZ Internet Banking:

Log in to ANZ Internet Banking

Select Payments from the top menu, and choose Pay Anyone

Select the account or credit card you want to pay from

Choose an existing payee, or Add a new payee

Enter the amount, and if you would like you can also add an optional reference or message for the recipient

Choose to make a payment Today, Later, or Recurring if you want to set up regular payments

Follow the prompts. Done!

Tip: If you're setting up a future dated or recurring payment, it's simple for you to modify or cancel it at any time. Future-dated payments require cleared funds in your account at 11.59pm (AEST/AEDT) the day before the scheduled date.

Make a payment with BPAY®

Paying BPAY bills to 45,000+ registered BPAY billers is easy - just look for the biller code and reference number on your bill and follow the steps below. 

Bill payments requested before 6pm (AEST/AEDT) on a bank business day will be processed to your account on the same day. Payments requested after this time will be debited immediately but may be processed on the next bank business day.

How to make a payment with BPAY®

Log in to the ANZ App

Go to the Accounts tab and tap Pay

Choose an existing biller, or tap + then choose BPAY and enter the biller code and reference number

Choose to make a payment Today, Later, or Recurring if you want to set up regular payments

Follow the prompts. Nice one!

Tip: To make paying BPAY bills even easier, you can setup the biller as a BPAY View™ so that you receive a notification each time a new bill is due. Learn more.

How to make a payment with BPAY®

Log in to ANZ Internet Banking

Select Payments from the top menu, then Pay BPAY bill

Select the account or credit card you want to pay from

Choose from your existing BPAY billers, or click Add a new biller and enter the biller code and reference number

Enter the amount and if you would like, you can also add an optional reference or message for the recipient

Choose to make a payment Today, Later, or Recurring if you want to set up regular payments

Follow the prompts. You’re all set!

Tip: To make paying BPAY bills even easier, you can setup the biller as a BPAY View™ so that you receive a notification each time a new bill is due. Learn more.

Make an international payment

You can transfer money to an overseas account easily using ANZ Internet Banking. Learn more about the features and benefits of sending money overseas with ANZ, understand the fees and use our foreign exchange calculator.

Before you start

To make an overseas payment, you'll need the following information about your payee:

  • The name and address of the receiving bank 
  • The bank account details you're transferring to (ie. country, SWIFT/BIC code, account number/IBAN and account name)
  • The beneficiary's address
  • Depending on the destination country of your international money transfer, you may require additional details to complete your payment. You will be prompted for the applicable details on the screen.

How to make an international payment

Log in to ANZ Internet Banking

Select Payments from the top menu, and choose International services. If it’s your first time making an international payment, you’ll be prompted to agree to terms and conditions before continuing.

Select Transfer funds overseas

Choose the account the money is coming from

Choose an existing payee, or add a New payee. Learn more

Select the currency in which you’d like to send the funds, and the amount you wish to transfer

Review the exchange rate and estimated fees and follow the prompts to complete the transfer.

Note: Due to fluctuating foreign exchange rates, international money transfers cannot be set for a future date or as recurring payments.

Your account will be debited once you make an international money transfer (transfer funds overseas) in Internet Banking, or once the transfer is authorised in Internet Banking for Business. Due to fluctuating exchange rates, if an Internet Banking for Business transfer is not authorised on the same day the transfer is lodged, it will expire.​

The time it takes for the international payee's account to be credited will vary depending on the policy and the systems of the bank the account is held with.

Payment limits

To help protect your accounts, ANZ has limits on the amount of funds that can be paid each day. Your Customer Registration Number (CRN) has a separate payment limit for each of our digital channels: the ANZ App, Internet Banking and Phone Banking. Different limits apply for business customers using ANZ Internet Banking for Business.

Tip: If you require a higher limit than what a channel permits in a single day, you can make payments using multiple channels. You can also schedule payments to occur over multiple days.

Pay Anyone daily limit

Your Pay Anyone daily limit includes:

  • Payments to a BSB and account number
  • Payments to a PayID​
  • International payments (transferring money to an overseas account)​
  • Money you send to an ANZ Plus, ANZ Save or ANZ Plus Flex Saver account (including your own)​

Your Pay Anyone daily limit does not apply to the following:​

  • Transfers between your own ANZ accounts
  • Payments made by joint account holders (who have their own daily Pay Anyone limit)​
  • BPAY payments (find out more about the separate BPAY limits that apply)​

Today payments

Your default daily limit is $1,000 for Pay Anyone payments.

If you have Voice ID setup, your daily limit is $25,000 per day.

Future payments (Later / Recurring)

If you schedule a payment to occur in the future, your default daily limit is $1,000 for each payment effective date.

If you have Voice ID set up, your daily limit is $5,000 per payment effective date.

Your Future payment limit is separate and additional to your Today payment limit.​

Your default daily limits

Your default daily limit is $1,000 if you are a personal customer or $5,000 if you are a business customer. This limit applies to future payments (later/recurring) that you previously scheduled in Internet Banking for today, as well as any payments you are making today (within Australia or international).

Want to change your daily limit?​

Log in to ANZ Internet Banking 

Select Payments

Select Change my Pay Anyone limit and then follow the prompts.

If you are a personal customer, you can increase your limit to $10,000, or to $25,000 if you are registered for ANZ Shield.

If you are a business customer, you can increase your limit to $25,000, or to $50,000 if you are registered for ANZ Shield.

BPAY daily limit

Personal and business customers

In the ANZ App your default daily limit for BPAY payments is $15,000. The individual transaction limit for a BPAY payment to a new biller is $10,000.

If you have Voice ID , your daily BPAY limit is $100,000.

These limits include BPAY payments you make today, as well as any you had previously scheduled to occur today.

Personal and business customers

Your daily limit for BPAY payments is $75,000 with a limit of $50,000 per transaction. If you are making a BPAY payment to the ATO, the daily limit is $100,000.

Personal and business customers

Your daily limit for BPAY payments is $5,000.

Payment confirmation

Whenever you confirm a payment/transfer in the ANZ App or Internet Banking, you’ll see a lodgement number and receipt number. The receipt number confirms that the payment has been submitted successfully.

For more details, you can check the status and the receipt number in ANZ Internet Banking via the View past payment/Transfers function. For unsuccessful payments, the status will show as Failed. Learn more about past payments and transfers.

About SWIFTs, BICs and IBANs

What is a SWIFT and BIC?

SWIFT stands for Society for Worldwide Interbank Financial Telecommunication and BIC stands for Bank Identifier Code. Together, these form an 8-11 digit code known as a SWIFT/BIC.

When setting up a payee for your international money transfer, you will need to provide a unique code to identify the receiving bank or financial institution. Depending on the destination country of your international money transfer, you will need to enter either a SWIFT/BIC, a Fedwire Branch Number or a CHIPS branch number. When you select the destination country in ANZ Internet Banking, you will be presented with the specific requirements for that country.

If you do not know the appropriate code, you can contact the person or organisation you’d like to transfer to, contact their bank or refer to their bank’s website.

If you’re receiving a payment from overseas to your ANZ account, the sender should use ANZ Australia’s SWIFT/BIC code: ANZBAU3M

What is an IBAN?

IBAN stands for International Bank Account Number. When you transfer money overseas, some countries require you to use an IBAN. Australia does not use IBANs, we use BSB and account numbers to identify accounts.

An IBAN starts with a two letter country code and contains 15–34 letters and numbers (the length will differ depending on the country of the recipient). The IBAN should be presented as a continuous string of alphanumeric characters with no spaces (eg. GB29NWBK60161331926819).

You can contact the person or organisation you’d like to transfer to, contact their bank or refer to their bank’s website. ANZ doesn’t have the authority to change an IBAN so make sure you have the right details before sending your payment.

FAQs

What happens if I enter the incorrect details for my payment or transfer? 

When you are making a payment or transferring money overseas, it is your responsibility to ensure the details you provide are correct.

  • If you enter the wrong payee (BSB, account number, PayID or BPay details) or payment amount for a domestic payment and the transaction has been processed, Message us in the ANZ App or Contact us.
  • For international money transfers, we don’t check payment details and if those details are wrong, it may result in an unsuccessful transfer or funds may go into the wrong account. Where you have entered the incorrect details or have questions about an international transaction, please contact our International Support Centre.

What address will the receiving bank be provided when I make an international money transfer?

When you make an international payment, we will automatically include the address you have registered with ANZ for the account you are making the international transfer from.

The address needs to be correct to comply with the Australian Transaction Reports Act 1988 and the Anti-Money Laundering and Counter-Terrorism Financing Act 2006 (AML/CTF Act). In the case of accounts with more than one address, the first address listed will be used.

If an international money transfer is being made from a business account, the payee details will automatically be populated with the account holder’s details, even if the transfer has been made by another party.

What exchange rate and fees will apply to my overseas money transfer?

Real-time exchange rates are applied in ANZ Internet Banking and fees will differ based on the transaction amount, the currency and the recipient bank/location.

You can use our Foreign exchange calculator to view the current FX rates, convert currencies and any likely fee(s) associated with your transaction.

When you enter your payment details in ANZ Internet Banking, the applicable exchange rate and fee information will be displayed for you to review before finalising the transfer. You will also see the estimated amount your beneficiary will receive after their bank's corresponding fees have been deducted.

Can I see all of the payments taken from my account?

You can view your Ongoing and One-off Payments where you’ve provided or saved your eligible Visa credit card or account details (BSB and account number). These include:

  • Recurring and/or Instalment payments set up using your Visa credit card. For example, streaming subscriptions.
  • Direct debit payments set up using your eligible transaction account (BSB & account number). For example, utility bills (water/gas bills), council rates or school fees.
  • One-off payment where you've saved your Visa credit card and account details with an app or website such as a food delivery service.

Simply log in to the ANZ App. Tap More, tap Ongoing & One-off Payments and choose your eligible account to view.

Can I make a bill payment with my ANZ Credit Card?

Bill payments from your ANZ 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 ANZ Credit Card (if sufficient funds are available)​
  • If you choose to proceed with the credit card payment, it will be processed as a cash advance, a fee may be charged and interest will accrue accordingly.​

How much does it cost to pay bills online?​

There is no charge for paying bills online. However, if you use all of your monthly free withdrawals for your accounts, normal excess transaction fees and government charges will apply.​

Payments initiated via BPAY® from an ANZ Credit Card may be considered as a cash advance and therefore may incur an interest.

Need more help?

Message us

For fast support, message us in the ANZ App. Available 24/7.

Contact us

Don’t have the ANZ app? Download it now or find other ways to contact us.

Visit us

Find your local branch and book an appointment to visit us.

Important information

Check all information you enter is correct including BSB and account number or PayID. ANZ doesn’t check the details you enter including that the BSB and account number or PayID belong to the account name. If you enter the wrong BSB, account number or PayID the payment may be paid to the wrong account and it may not be possible to recover your money from this account.

You cannot delete or cancel an immediate payment or a payment to be processed today.

You cannot amend a recurring payment. You must delete the existing recurring payment series by selecting the recurring payment series from the Manage future payments / transfers function and then set up a new recurring payment series.

Dependent upon how your biller is setup with the BPAY billing service, BPAY payments from your ANZ credit card, may be processed as a cash advance and involve a fee and/or interest. ANZ recommends that you read the ANZ Credit Card Terms and Conditions for further details.

There is no charge for paying bills online, however, if you exceed your monthly free withdrawals, normal excess transaction fees and government charges will apply to your account. Read the ANZ Personal Banking Account Fees and Charges for further details.

For ANZ Banking for Business, regardless of the payment authorisation period specified by ANZ Internet Banking for Business users at registration, any overseas transfers must be authorised on the same day the transfer is lodged. Due to fluctuating rates, if transfers aren’t authorised on the same day, they will expire. 

The ANZ App is provided by Australia and New Zealand Banking Group Limited (ANZ) ABN 11 005 357 522. Super and Insurance (if available) are not provided by ANZ but entities which are not banks. ANZ does not guarantee them. This information is general in nature only and does not take into account your personal objectives, financial situation or needs. ANZ recommends that you read the ANZ App Terms and Conditions available here for iOS (PDF) and here for Android (PDF) and consider if this service is appropriate to you prior to making a decision to acquire or use the ANZ App.

BPAY is registered to BPAY Pty Ltd. ABN 69 079 137 518.

Please note that not all Australian bank accounts will be able to send and receive faster payments. For more information about participating financial institutions visit www.nppa.com.au. If one of the accounts is not able to send or receive faster payments, ANZ will use the best available alternative to process the payment, but this may not be as fast.

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PayID is a registered trademark of NPP Australia Limited. Please note that not all Australian bank accounts will be able to send and receive faster payments. For more information about participating financial institutions, visit www.nppa.com.au. If one of the accounts is not able to send or receive faster payments, ANZ will use the best available alternative to process the payment, but this may not be as fast.

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Recipients require an account with an Australian financial institution to receive or collect Pay Anyone payments. Terms and conditions apply.

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Osko is a payment method used by ANZ and other participating banks to send payments faster between eligible accounts. To use Osko, you don't need to do anything differently – just send the payment as usual and ANZ will send it the fastest way possible. Both the sending and receiving account must be capable of processing faster payments. Technical interruptions may occur and some payments may be delayed e.g. for security screening.

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