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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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Contactless payments

Breaking my Term Deposit

Ways to bank

I need an ANZ Visa Debit card

Help with my Passbook account

Financial Hardship

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.

Contactless payments

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.

Learn more

I need an ANZ Visa Debit card

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).

Learn more

Frequently asked questions 

As part of banks around Australia working with the Government to help ensure customers have access to their money during the impacts of COVID-19, over the coming weeks we are sending out ANZ Visa Debit cards linked to existing everyday accounts to eligible customers.

If you’d like to discuss adding an ANZ Visa Debit carddisclaimerto your existing eligible everyday account sooner, or would like to open a new everyday account with an ANZ Visa Debit card, please call us or visit a branch.
 

Breaking my Term Deposit

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.

Learn more

 

 

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.

Apply online

Help with my Passbook account

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 

Passbook accounts don't have card access and so you might consider opening an everyday account with a Visa Debit card. This can help you access your money and pay for purchases online or over the phone where Visa is accepted. If you receive a Centrelink pension or Veterans’ Affairs pension or allowance, or hold a Concession or Health Care card, you may be eligible for an ANZ Pensioner Advantage or Access Basic account, which comes a with a Visa Debit card and has no monthly account service fees. 

When you open an ANZ everyday account and request a Visa Debit card, a card will be posted out to you, which should arrive in 7-10 business days. This may be delayed due to the COVID-19 (Coronavirus) impacts on Australia Post delivery. 

Yes, you can nominate a trusted family member or someone you trust as an authorised signatory on your ANZ Passbook account so that this person can go to the branch for you and withdraw cash on your behalf. This option is available if you feel comfortable nominating someone to act on your behalf and you feel comfortable to go to the branch, as you will need to go together to add them as a signatory.

We understand quite a few of our customers don’t want to go into a branch at this time. You can call us to open up a new everyday account with a linked Visa debit card.

Ways to bank

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.

Find an ATM

 

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.

Learn more

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.

Learn more

Frequently asked questions 

While some ANZ branches remain open across Australia, you might wish to consider banking online or usng the ANZ app where possible. Due to reduced staff or other restrictions associated with Coronavirus (COVID-19), we are seeing the need to adjust our opening hours or temporarily close some of our branches.

We're focused on supporting and protecting our customers and staff with our branch operations, and we're limiting the number of customers in the branch at one time. 

Consistent with the government’s advice please don’t visit our branches if any of the following applies to you: 

  • You have travelled overseas in the past 14 days;
  • You have been in contact with someone who has been diagnosed with COVID-19;
  • You are experiencing fever, breathing difficulties, fatigue, a cough or sore throat; or
  • You are under advisement from your state/ territory to self-quarantine following domestic travel.

Learn which branches are affected

You can stop future dated direct debit transactions via the "Manage future payments/transfers" section under the "Payments" menu.

To delete future dated payments/transactions, the request must be lodged with ANZ Internet Banking prior to 11.59pm Melbourne time on the day prior to the payment/transfer date.

Find out more about deleting future payments/transfers

 

Financial Hardship

Hardship can affect people in different ways, and financial difficulty is more common than you think, but there is help available.

Learn more

Tips and tools to help you stay on top of your money

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.

 Learn more

 

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.

Learn more

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.

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An 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.

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Different 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. 

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The 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.

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Mobile 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 PayFitbit 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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