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ANZ Mobile Phone Banking is just that, banking with the convenience of your mobile phone. Whether you're at home, out of the office, on holiday, or at the shopping centre, wherever you are you can enjoy access to selected ANZ accounts. Keeping track of your accounts 24/7* has never been easier. You can choose to use TXT Banking and M-Banking, or both.
*Subject to mobile phone network availability.
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With TXT Banking you can request account balances and mini statements on up to three ANZ accounts. Mini statements will show the last five account transactions on that account. In addition, you can also setup and receive Account Alerts. If you'd like to be able to do more with your mobile phone, check out M-Banking as well.
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M-Banking offers more functionality than TXT Banking. You can request account balances and mini statements, transfer money between your accounts, make one off payments using Pay Anyone, set up Account Alerts, check your account numbers and change your M-Banking password.
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To use TXT Banking, you must be:
- An existing ANZ Internet or Phone Banking customer
- Over 12 years of age.
To use M-Banking, you must:
If you're not already an ANZ Internet or Phone Banking customer, call the ANZ Internet Banking Help Desk on (24 hours a day, seven days a week) or visit any ANZ branch.
*Customers between the ages of 12 and 15 can use M-Banking but will be restricted to enquiry access only (balance enquiry and mini statements). Customers aged 16 years or over and who are the sole account holder can also use M-Banking to perform fund transfers and Pay Anyone.
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Yes. ANZ Mobile Phone Banking is available to ANZ customers with the following account:
- Everyday and Savings Account (incl. V2 PLUS)
- Credit Card
- Everyday Visa Debit
- Passbook
- Term Deposits
- Home Loans
- Personal Loans
- Business Loans
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- No, children under 12 years of age cannot register and use ANZ Mobile Phone Banking.
- Yes, children between the ages of 12 and 15 can register and use ANZ Mobile Phone Banking but will be restricted to enquiry access only (balance enquiry and mini statements).
- Yes, if the customer is aged 16 years or over and opens an account in their own name (as a sole account), they have the option of through ANZ Mobile Phone Banking.
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No. Each ANZ customer can only use ANZ Mobile Phone Banking from the one designated mobile phone.
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Yes, the ANZ Mobile Phone Banking service is available 365 days of the year provided there is network coverage and no service interruptions. Remember that any Pay Anyone payments or fund transfers you make on weekends or public holidays will not be processed until the next business day. Also, any fund transfers made after 10.00pm Melbourne time on a business day and Pay Anyone Payments made after 6.00pm Melbourne time on a business day will not be processed until the next business day.
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You can register of your ANZ accounts for TXT Banking and up to ten accounts for M-Banking. If you register to use both TXT Banking and M-Banking, your three TXT Banking accounts will also be your first three M-Banking accounts, meaning you can access .
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You will be able to access most types of ANZ accounts using ANZ Mobile Phone Banking. However, not all ANZ Mobile Phone Banking services are available for term deposit, home loan and passbook accounts.
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This account will not be available the next time you attempt to access it via ANZ Mobile Phone Banking. For M-Banking, the account will not be visible in the list of available accounts. For TXT Banking, this account will be omitted when your balance or mini statement is sent to you.
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- , you will have full enquiry and transaction access to your accounts provided your mobile phone is on international roaming. You will also be able to receive Account Alerts while roaming. Additional carrier charges may apply for the receipt of and (eg for receiving balance requests, mini statements, and Account Alerts). Please contact your mobile phone carrier for activation of international roaming and associated fees and charges.
- , you will have full access overseas by sending your TXT Banking request (SMS) to our international roaming number: . You will also be able to receive Account Alerts while roaming. Additional carrier charges may apply for the receipt of (eg for receiving balance requests, mini statements, and Account Alerts). Please contact your mobile phone carrier for activation of international roaming and associated fees and charges.
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To be able to use TXT Banking, you'll need a mobile phone that can send and receive text messages (SMS).
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To be able to use M-Banking, your mobile phone must be Java-enabled and have an active GPRS connection. Most mobile phones sold within Australia in the past 2 years should have these functionalities. If you're unsure, check our online list of compatible phones at www.anz.com, or call us on .
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For most mobile phones, you can find out the make and model in the "settings" menu, under "phone info". If you're still having trouble finding this information, try removing your phone battery and checking the sticker underneath.
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Java is the programming language that has been used to build the M-Banking application. Simply, Java offers an enriched handset user interface, the banking menu that enables you to navigate to the banking services you require.
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You can still check your account balances and receive mini statements using TXT Banking.
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You'll need at least on your mobile phone to download and install M-Banking. Please check your mobile phone user manual or contact your mobile phone manufacturer for more information on your mobile phone memory capacity.
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Where the M-Banking application is stored will depend on the make and model of your handset. For more information, please see our online list of compatible phones. Please select the make' and model' of your mobile phone and follow the on-screen instructions on:
- How to download the application
- Where the application is stored on the mobile phone.
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Simply log onto to the ANZ Mobile Phone Banking website to request a new application to be downloaded to your mobile phone along with a new Activation Code. Please follow the steps below:
- Click "Go" from the "Re-download M-Banking application" menu.
- On the next page click "Download".
- You will be given an Activation Code. This will be used to activate your M-Banking application.
- A text message (SMS) containing a download link will be sent to your mobile phone.
- Access this link to download and install the M-Banking application.
- Please enter your Activation Code and select a new M-Banking password (7-16 digits).
Or alternatively, you may call to request a download link to be sent to your mobile phone.
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If you are a M-Banking customer:
Simply log onto to the ANZ Mobile Phone Banking website to request a new application to be downloaded to your mobile phone along with a new Activation Code. Please follow the steps below:
- Click "Go" from the "Re-download M-Banking application" menu.
- On the next page click "Download".
- You will be given an Activation Code. This will be used to activate your M-Banking application.
- A text message (SMS) containing a download link will be sent to your mobile phone.
- Access this link to download and install the M-Banking application.
- Please enter your Activation Code and select a new M-Banking password (7-16 digits). once you have activated the M-Banking application on your new mobile phone, you will no longer be able to access the M-Banking application on your old phone.
Or alternatively, you can call us on to request a download link to be sent to your mobile phone.
If you are a TXT Banking customer:
As long as you have not changed your mobile phone number, you will not be required to do anything when you switch to a new handset. TXT Banking should be available immediately on your new mobile phone.
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Simply log onto to the ANZ Mobile Phone Banking website to update your personal details. Please follow the steps below:
- Click "Go" from the "Update Details" application menu.
- On the next page click "Change" (located under your mobile phone number) within "Your Details" section.
- Enter your new mobile phone number.
- Click "Update".
Or alternatively, you can call us on to update your mobile phone number.
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If you change your CRN you'll need to let us know. Call us on in order to update your personal details (ie Customer Registration Number).
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You can register for ANZ Mobile Phone Banking by logging onto the ANZ Mobile Phone Banking website and following the instructions on screen. Alternatively, you can call us on to register. You'll need to be a registered ANZ Internet or Phone Banking customer. If you are not registered for ANZ Internet or Phone Banking, we will sign you up when you call.
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Yes, as long as you are registered to use either ANZ Internet or Phone Banking, you are eligible to register for ANZ Mobile Phone Banking.
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You can still use TXT Banking and/or M-Banking. However you will be restricted to enquiry access only. If you are registered for M-Banking, you will not be able to perform a fund transfer between your selected ANZ accounts, or make Pay Anyone payments.
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Yes. You will have the same access permissions to your account(s) (ie permission to transfer funds) using M-Banking that you have for ANZ Internet and Phone Banking. TXT Banking customers will only have balance and mini statement enquiry access on their mobile phone.
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Your Activation Code may not work if:
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- You have entered the code incorrectly three times.
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If you have entered the wrong Activation Code three times, your ANZ Mobile Phone Banking service will be suspended. To activate your ANZ Mobile Phone Banking service, please call . |
- It has been more than five days since it was issued.
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Your Activation Code has expired. Simply logon to the ANZ Mobile Phone Banking website to request a new Activation Code. Please follow the steps below:
- Click "Go" from the "New Activation Code" menu.
- The new Activation Code will be displayed on screen.
- Click "Finish".
- Please note this Activation Code will expire in five days.
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Or alternatively, you can call us on to request a new Activation Code.
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Your Activation Code is valid for five days. If you don't use it during this time it will expire. If this happens, simply logon to the ANZ Mobile Phone Banking website to request a new Activation Code. Please follow the steps below:
- Click "Go" from the "New Activation Code" menu.
- The new Activation Code will be displayed on screen.
- Click "Finish".
- Please note this Activation Code will expire in five days.
Or alternatively, you can call us on to request a new Activation Code.
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You have three chances to enter your Activation Code. If you get it wrong on the third attempt your ANZ Mobile Phone Banking service will be suspended. If that happens you will need to call us on .
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Simply logon to the ANZ Mobile Phone Banking website to request a new Activation Code. Please follow the steps below:
- Click "Go" from the "New Activation Code" menu.
- The new Activation Code will be displayed on screen.
- Click "Finish".
- Please note this Activation Code will expire in five days.
Or alternatively, you can call us on to request a new Activation Code.
Note: the customer may be liable for losses incurred after they become aware of the loss or theft of the Activation Code and before they notify ANZ of the loss or theft of the Activation Code. Please refer to the Electronic Banking Conditions of Use for more information.
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No. Your Activation Code is only valid when it's used with the phone number you registered for ANZ Mobile Phone Banking.
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The time it takes to download M-Banking will vary between handsets, but in most cases it should not take more than 60 seconds.
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Simply log onto to the ANZ Mobile Phone Banking website to request a new download link to be sent to your mobile phone along with a new Activation Code. Please follow the steps below:
- Click "Go" from the Re-download M-Banking application menu.
- On the next page click "Download".
- You will be given an Activation Code. This will be used to activate your M-Banking application.
- A text message (SMS) containing a download link will be sent to your mobile phone.
- Access this link to download and install the M-Banking application.
- Please enter your Activation Code and select a new M-Banking password (7-16 digits).
Or alternatively, you may call to request a new download link to be sent to your mobile phone.
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Simply text BAL to to get your account balances.
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For most types of accounts, the account balance will be up-to-date, meaning it will include all transactions* made in and out of your account up to the time you request your account balance. For Term Deposit and Loan accounts, the account balance will be the balance of your account at the start of the day (Melbourne time). Remember though, that any fund transfers made after 10.00pm Melbourne time and Pay Anyone payments made after 6.00pm Melbourne time will not be processed until the next business day.
*All Pay Anyone payments made into an ANZ account from a third party bank account will not be reflected in the account balance until the next business day.
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How your balance is defined will vary depending on the type of account you request a balance on. Depending on the type of account, you will be able to check:
- - takes into account all transactions made in and out of your account, right up to the time you request your account balance;
- the - the balance of your account at the start of the day (Melbourne time); or
- your - The amount listed as Available Funds is the total amount of funds in your account that are currently available for withdrawal. The Available Funds balance may be different to your Current Balance. It may be more or less than the Current Balance, as a result of uncleared funds, withdraw/credit/overdraft limits etc.
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Everyday and Savings Account (incl. V2 PLUS) |
Current Balance |
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Credit Card |
Current Balance |
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ANZ Everyday Visa Debit |
Available Funds |
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Passbook |
Current Balance |
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Terms Deposits |
Ledger Balance |
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Home Loans |
Ledger Balance |
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Personal Loans |
Ledger Balance |
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Business Loans |
Ledger Balance |
- Negative balances are followed by a minus sign (eg. $410.10).
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If your account is in debit, a "" sign will appear after the account balance. If it is in credit, no sign will appear after the account balance.
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You should get a response almost immediately after you text your account balance request. There may be short delays when the mobile network usage is higher than usual. ANZ Mobile Phone Banking service will only operate where mobile network coverage is available.
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Simply text STMT1, STMT2 or STMT3 to to get a mini statement for any of your three accounts.
ie For your first linked account text STMT or STMT1 to
For your second linked account text STMT2 to .
For your third linked account text STMT3 to
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Yes. All mini statements contain up-to-date information, which means that they take into account all transactions* made out of and into your account, right up to the time you request the mini statement. Remember though, that any fund transfers made after 10.00pm Melbourne time and Pay Anyone payments made after 6.00pm Melbourne time will not be processed until the next business day.
*All Pay Anyone payments made into an ANZ account from a third party bank account will not be displayed in the mini-statement until the next business day.
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A debit sign ("") will appear after each withdrawal from your account. A credit sign ("+") will appear after each deposit into your account.
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- , your mini statement will show your current account balance, plus the last for that account. The exact number of transactions displayed will depend on the make and model of your handset as well as the size of the transactions and balances shown.
- , your mini statement will show your last for that account.
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You should get a response almost immediately after you text your mini statement request. There may be short delays when the mobile network usage is higher than usual. : ANZ Mobile Phone Banking service will only operate where mobile network coverage is available.
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You can transfer up to $99,999.99 per transaction, subject to available funds. There is no daily maximum, which means you can make as many transfers as you need.
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If you transfer money between your linked accounts on a business day, your account will be updated on the same day. If you transfer money between your accounts on a business day, or at anytime on a non-business day, your account will be updated on the next business day.
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No. You cannot set up transfers for a future date. All transfers made will be processed on the same day unless the transfer is made after 10.00pm Melbourne time or at anytime on a non-business day, then the transfer will be processed on the next business day.
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To transfer money between your linked accounts, simply enter the dollars and cents as one number. You don't have to include a decimal point M-Banking will do this for you.
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Eg
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| TO TRANSFER: |
$199.99 |
ENTER: |
19999 |
APPEARS AS: |
$199.99 |
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$200 |
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20000 |
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$200.00 |
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Once a transfer has been made you'll receive a confirmation message ("Your payment was successful") plus a 6-digit receipt number.
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Yes. You can transfer and your linked ANZ credit card account using M-Banking. Transfers from your ANZ credit card may incur a cash advance fee plus interest.
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Yes. You can transfer and most linked ANZ home loan accounts using M-Banking. This will be consistent with your ANZ Internet Banking access privilege.
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No. You cannot transfer or your ANZ term deposit account using M-Banking.
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If you transfer money out of your , your statement will say:
ANZ M-BANKING FUNDS TFER
TRANSFER <Receipt Number> TO <BSB><Account No>
If you transfer money out of your , your statement will say:
CASH ADVANCE <Receipt Number>
If you transfer money out of your , your statement will say:
FUNDS TFER M-BANKING <Receipt Number>
If you transfer money out of your , your statement will say:
ANZ M-BANKING FUNDS TRANSFER
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If you transfer money into your , your statement will say:
ANZ M-BANKING FUNDS TFER
TRANSFER <Receipt Number> FROM <Account No>
If you transfer money into your , your statement will say:
PAYMENT THANK YOU <Receipt Number>
If you transfer money into your , your statement will say:
DEPOSIT THANK YOU <Receipt Number>
If you transfer money into your , your statement will say:
ANZ M-BANKING FUNDS TRANSFER
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You can make a Pay Anyone payment to any valid personal or business bank account in Australia.
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No. If you want to transfer money to an overseas account, you can do this via ANZ Internet Banking or at any ANZ branch.
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As part of the registration process for M-Banking you can choose a daily Pay Anyone limit of $1000. You can also choose to disable the Pay Anyone feature for M-Banking. Please note: This limit does not affect your ANZ Internet Banking Pay Anyone Limit.
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If you wish to disable Pay Anyone for M-Banking, simply log onto the ANZ Mobile Phone Banking website. Please follow the steps below:
- Click "Go" from the "Update Details" application menu.
- On the next page click "Continue" (located on the bottom right hand side of the page).
- On the next page, un-tick the checkbox labelled "Allow me to pay others using Pay Anyone. A daily limit of $1000 applies."
- Click "Finish".
Or alternatively, you can call us on to disable Pay Anyone for M-Banking.
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If you make a Pay Anyone payment on a business day, your ANZ account will be updated on the same day. If you make a Pay Anyone payment on a business day, or at anytime on a non-business day, your ANZ account will be updated on the business day after processing.
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No. You cannot set up a Pay Anyone payment for a future date. All Pay Anyone payments made will be processed on the same day unless the payment is made after 6.00pm Melbourne time or at anytime on a non-business day, then the payment will be processed on the next business day.
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No. BPAY is currently unavailable for M-Banking.
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To make a Pay Anyone payment, simply enter the dollars and cents as one number. You don't have to include a decimal point M-Banking will do this for you.
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| TO PAY: |
$199.99 |
ENTER: |
19999 |
APPEARS AS: |
$199.99 |
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$200 |
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20000 |
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$200.00 |
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Once a Pay Anyone payment has been made you'll receive a confirmation message plus a 6-digit receipt number.
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If you're part way through a Pay Anyone payment and your mobile phone runs out of battery, or you lose reception, or your M-Banking session is terminated for any other reason and you received a confirmation message, your payment may not have been successful. However, before you repeat the payment, we recommend that you call to confirm the status of the Pay Anyone payment.
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You cannot undo a Pay Anyone payment once you've clicked 'submit'. If you've made a payment to the wrong account or accidentally paid too much, please call , for further assistance.
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Yes. You can save the name and the account number of a person you have just paid using the 'Favourites' function. That way you won't have to re-enter their details every time you pay them.
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No. The 'Favourites' you save in ANZ Mobile Phone Banking won't automatically be saved into your ANZ Internet Banking favourites.
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You may not be able to make a Pay Anyone payment via M-Banking because:
- Your account requires two or more signatories to authorise a transaction.
- You have insufficient cleared funds in your account.
- The Pay Anyone functionality for M-Banking has been disabled.
- You have exceeded your daily Pay Anyone limit for M-Banking.
If you are uncertain about why you cannot make a Pay Anyone payment via M-Banking, please call for further assistance.
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If you make a Pay Anyone payment from your , your statement will say:
ANZ M-BANKING PAYMENT
TRANSFER <receipt number> TO <Account Name>
If you make a Pay Anyone payment from your , your statement will say:
CASH ADVANCE <Receipt Number>
If you make a Pay Anyone payment from your , your statement will say:
FUNDS TFER M-BANKING <Receipt Number>
If you make a Pay Anyone payment from your , your statement will say:
ANZ M-BANKING PAYMENT
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If you receive a Pay Anyone payment in your , your statement will say:
ANZ M-BANKING PAYMENT
TRANSFER <Description> FROM <Payer>
If you receive a Pay Anyone payment in your , your statement will say:
PAYMENT THANK YOU <Receipt Number>
If your receive a Pay Anyone payment in your , your statement will say:
DEPOSIT THANK YOU <Receipt Number>
If you receive a Pay Anyone payment in your , your statement will say:
ANZ M-BANKING PAYMENT
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An Account Alert is a mini statement sent to your mobile phone in the form of a text message (SMS) on a daily, weekly, fortnightly or monthly basis. Account Alerts are only time-triggered and must be pre-set by you.
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You can setup an Account Alert directly from your M-Banking application. Simply Logon to M-Banking and choose "Alerts" option from the main menu. Then select "Schedule New Alert" and follow the instructions on screen. Alternatively, you can logon to the ANZ Mobile Phone Banking website to setup an Account Alert or by calling us on .
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You can set up as many Account Alerts as you like. Please note: If you are on international roaming, your mobile carrier may charge an additional fee for the receipt of a SMS. Please contact your mobile carrier for rates and charges.
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You can set up a daily, weekly and fortnightly Account Alert for any days of the month. You set up a monthly Account Alert for the 29th, 30th or 31st of any month, as not all months have these days.
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You can set up Account Alerts for any hour of the day, as long as it is on the hour (1pm, 2pm, 3pm, etc). You cannot set up Account Alerts for times that are between the hours, like 2.30am or 1.45pm.
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You'll need to use the 12-hour clock to set up an Account Alert. You don't need to enter a decimal point as M-Banking will do this for you.
Eg
For 8.00am, enter '0800' and select AM;
For midday, enter '1200' and select PM;
For 4.00pm, enter '0400' and select PM.
Remember that you can only set up Account Alerts on the hour.
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ANZ M-Banking uses SSL (Secure Socket Layer) encryption to code all information as it's exchanged, meaning it offers the same high level of security as ANZ Internet Banking. In addition, you can only access your accounts when you have your M-Banking password and your mobile phone (as no-one can access your account information from any other handset.)
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As with any password, your M-Banking password should be easy to remember, but not obvious to others. Do not use a password based on easily accessible personal information like birth dates or phone numbers.
Your M-Banking password must be between (numbers) long. It include:
- any letters or 'special characters' (eg ! ? , . & @ *)
- more than three sequential numbers (eg 1234 or 4321)
- more than three of the same number consecutively (eg 1111 or 9999).
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Log onto M-Banking and choose "Other" from the main menu. Then select the Change Password option and follow the instructions on the screen.
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You have three chances to enter your M-Banking password. If you get it wrong on the third attempt, your ANZ Mobile Phone Banking access will be suspended. We can help you re-activate your ANZ Mobile Phone Banking access. Simply call us on .
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If you lose your mobile phone and would like to suspend your TXT Banking or M-Banking access, please call us on .
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If your mobile phone is stolen, we recommend that you suspend your TXT Banking or M-Banking access. To do this, please call us on .
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Yes. For your security, we will suspend your ANZ Mobile Phone Banking access as soon as anyone reports your mobile phone lost or stolen.
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ANZ Mobile Phone Banking will work on all Australian mobile phone networks*.
*As at 02/11/2007.
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- - SMS sent to will be charged the standard SMS fee by your network provider.
- - you will be charged based on your network provider's standard data transfer rates - please speak to your network provider about these rates.
The charges for using the M-Banking application will vary depending on how many functions you perform in any one session, and the data transfer rates set by your network provider. Data is only passed when you make a request - ie request a mini statement or request a transfer. Contact your network provider for specific data transfer charges.
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This will vary depending on your data plan. As at November 2007, you should expect to pay around 65c for the download with most mobile network providers.
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Call if you:
- have trouble downloading or using M-Banking
- have a billing or transaction enquiry
- want to suspend or deregister your ANZ Mobile Phone Banking access.
Contact your network provider if you:
- have a problem with your mobile connection
- have a technical query about your handset
- have a query about your data download costs on your mobile phone statement.
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Yes. You can call from your mobile phone to register and to make any changes to your ANZ Mobile Phone Banking service*.
*normal mobile phone call charges apply.
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If coverage is unavailable, the system is overloaded or there are other network issues you may experience delays or not be able to access ANZ Mobile Phone Banking. If you encounter network or coverage issues, please contact your mobile network provider.
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