Accessing your money during COVID-19
During this challenging time, we're here to help you stay on top of your everyday banking.
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Did you know that for some transactions, contactless payment limits can be temporarily increased from $100 to $200?
To activate, visit an ANZ ATM or POS machine, insert your card and perform any transaction that requires a PIN, including balance enquiries.
Using contactless payments
There are ways you can avoid handling cash or touching payment terminals. With contactless payments, you can hold your ANZ card or compatible device over a terminal to make a payment without needing to enter a PIN.
Even better, temporary increases to the contactless limit are now in place up for transactions of up to $200. You can activate the increase on your existing ANZ card by visiting any ANZ ATM or POS machine, inserting your card and performing a transaction that requires a PIN (including balance enquiries).
It is important to note that some transactions below $200 will still ask for the PIN, as for certain card types, the limit is within the card's chip and cannot be changed. Transactions above $200 will continue to ask for the PIN.
When you need cash
Most major banks do not charge ATM withdrawal fees, so using a local ATM with another bank can be a convenient option when you need to get cash.
As an alternative to withdrawing cash at an ATM, you can also consider withdrawing cash when you pay for your shopping at some supermarkets, where you also won’t get charged a withdrawal fee.
How to
Set up payments on your device
Add an eligible ANZ card to your compatible phone or wearable to start making easy, contactless payments.
With an ANZ Visa Debit carddisclaimer, you can make payments online or over the phone anywhere Visa is accepted from the comfort of your home. The ANZ Visa Debit card can be linked to eligible everyday accounts, such as ANZ Access Advantage.
How to
Apply for an ANZ Visa Debit card
If you don’t have one yet, but would like to order one please visit a branch, or call us on 13 33 33 from Mon-Fri, 8am to 8pm (AEST).
Frequently asked questions
If you've been impacted by COVID-19 and are facing financial difficulty, you may be able to break your ANZ Advanced Notice Term Depositdisclaimer disclaimer without incurring an administration fee or interest reduction. You will need to submit an online application to ANZ’s dedicated Hardship team for our assessment.
How to
Prepare your application
Before you apply, there's a few things you'll need to do to make the process easier.
Apply online
If you're ready to apply, please complete our online form, and someone from our dedicated hardship team will be in touch to discuss your application.
If you only have a passbook account, you may like to consider these other options to access your money if you cannot come into branch or if your branch is temporarily closed.
- Withdrawing a reasonable amount of extra cash on your next branch visit to help minimise further required visits to the branch.
- Opening an everyday account with a Visa Debit carddisclaimer.
Frequently asked questions
The ANZ App
You can take care of the day to day with the ANZ Appdisclaimer. View balances, transfer between accounts and pay bills. Track your daily spending and see more details about your transactions in just a few taps. Plus you can see your statements.
Learn more or download the app today
Internet banking
Use ANZ Internet Banking to manage future and recurring payments, change your daily Pay Anyone limit, and request a replacement card. No need to worry if you’ve forgotten your customer registration number (CRN) or password. You can recover them on the ANZ Internet Banking log in page.
Log in to or register for ANZ Internet Banking
ATMs
ATMs will remain open should you need to get some cash, make a deposit or check your balance. However, you may wish to consider banking online via the ANZ Appdisclaimer or ANZ Internet banking.
Contactless payments
If you want to avoid handling cash and touching PIN pads, simply hold your ANZ Visa Debit card, credit card or digital wallet over the terminal to make a payment. Even better, you won’t need to touch the terminal to enter a PIN for many purchases.
Digital wallets
Use your compatible phone or wearable devicedisclaimer to make contactless payments with eligible ANZ cards instead. It’s easy and secure. Add your eligible ANZ card to Apple Pay, Samsung Pay or Google Pay. Also available on compatible Fitbit and Garmin wearables.
Frequently asked questions
Hardship can affect people in different ways, and financial difficulty is more common than you think, but there is help available.
We know this is difficult time for many of our customers, and everyone’s experience is unique. Whether you need a bit more help with managing your budget or find yourself saving more as activities you'd normally spend your money on are now being limited, we've got some tips and tools that you might find useful.
Calculators and tools
Articles and Guides
The 50-30-20 budget system
We know it can be hard to create a system for your money that's easy to follow and works hard for you.
This is where the 50-30-20 budget can be a simple way to start.
Saving on a budget
Create a simple, efficient budget and savings plan to help you set money aside for the things that are important to you.
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 ANZ Saving & Transaction Products Terms and Conditions (PDF) and the Financial Services Guide (PDF) which are available at anz.com or by calling 13 13 14 before deciding whether to acquire, or continue to hold, the product. Fees, charges and eligibility criteria apply.
The information set out above is general in nature and has been prepared without taking into account your objectives financial situation or needs. By providing this information ANZ does not intend to provide any financial advice or other advice or recommendations. You should seek independent financial, legal, tax and other relevant advice having regard to your particular circumstances.
Apple, the Apple logo, iPhone and iPad are trademarks of Apple Inc., registered in the U.S. and other countries. App Store is a service mark of Apple Inc.
Android, Google Play and the Google Play logo are trademarks of Google Inc.
BPAY® is registered to BPAY Pty Ltd ABN 69079137518.
Eligibility criteria apply to the issue of ANZ Access Visa Debit card. Fees may apply (for example, overseas transaction fees, overseas ATM transaction fees and non-ANZ operator fees). Please refer to the ANZ Personal Banking Account Fees and Charges (PDF) and ANZ Saving & Transaction Products Terms and Conditions (PDF) for details.
Back to topAn ANZ Advance Notice Term Deposit has a 31 day notice period. This means that if you request an early withdrawal or transfer of all or part of your funds, the funds will not be provided until the 31st day after the request (or the next business day). An administration fee of $30 will be charged and the account will incur an interest reduction in respect of the money withdrawn or transferred early in accordance with the ANZ Savings and Transaction Product Terms and Conditions (PDF 746kB). If you may have a need in the future to immediately withdraw or transfer funds, other deposit products may be more suitable for you.
Back to topDifferent interest rates apply to different investment amounts, terms and interest frequencies. Early withdrawal fees may apply. Rates current as at and are subject to change.
Back to topThe ANZ App is provided by Australia and New Zealand Banking Group Limited (ANZ) ABN 11 005 357 522. Super, Shares 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 and here for Android and consider if this service is appropriate to you prior to making a decision to acquire or use the ANZ App.
Back to topMobile payments available on compatible devices and eligible ANZ cards. View the full list at anz.com/mobilepayments.
Terms and conditions apply to the use of Apple Pay, Google Pay, Samsung Pay, Fitbit Pay and Garmin Pay.
Apple, Apple Pay and iPhone are trade marks of Apple Inc., registered in the U.S. and other countries.
Android, Google Pay and the Google Logo are trade marks of Google LLC.
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