skip to log on skip to main content
VoiceOver users please use the tab key when navigating expanded menus

The simple way to keep track of your money with ANZ SMS Alerts

We believe simple banking is better banking. That's why we introduced our range of alerts – to help you keep track of your money.

Overdrawn account alerts

Knowing that your account is overdrawn with our ANZ ATM or SMS alerts can help you manage your money and avoid overdrawn fees and interest. Find out more about overdrawing your account and our Informal Overdraft facility (PDF 120kB).


We'll let you know if a transaction at one of our ATMs would overdraw your ANZ deposit account. You can then decide if you'd like to go ahead with the transaction or not (please note if you have an ANZ Assured overdraft facility, we'll only let you know if your transaction exceeds the ANZ Assured overdraft facility limit).

SMS from ANZ

  • We'll also send you an SMS when you overdraw your personal everyday account. We just need you to have given us your latest mobile number at one of our branches, through our internet or phone banking or when you applied for an account online.
  • You could receive the following SMS alerts: 
    • When your personal everyday account becomes overdrawn by more than $0 between 9am and 9pm, we will send you a near real-time SMS, once per daydisclaimer.
    • If your personal everyday account is overdrawn by more than $50, we will send you an SMS alert the following business daydisclaimer.

To ensure you receive our SMS alert, check that ANZ has your latest mobile number by calling 13 13 14.

If you don't want to be alerted, just call the same number and let us know (or follow the prompts in the SMS alert).

SMS one-time password (OTP)

ANZ SMS Alerts are different to a SMS one-time passcode (OTP). SMS OTP can provide an extra layer of protection for your ANZ online banking activities. We may send you a SMS OTP to verify a range of ANZ online banking activities. You are not able to opt-out of receiving a SMS OTP. Learn more about SMS OTP.

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 Savings and Transaction Product Terms and Conditions (PDF 408kB)ANZ Smart Choice Super and Pension Product Disclosure Statement (PDF 192kb) and the Financial Services Guide (PDF 104kB) which are available at or by calling 13 13 14, before deciding whether to acquire, or continue to hold, the product. Fees, charges and eligibility criteria apply.

Terms and Conditions are available on request. Please call 13 13 14, if you would like us to send you a paper copy.

Fees and Charges apply to the Informal Overdraft Facility. For more information please refer to the ANZ Personal Banking Account Fees and Charges booklet.

ANZ does not charge for the overdrawn account alert service. Charges may be incurred by your mobile phone operator.


Temporary service interruptions may occur and is subject to mobile phone network availability. Overdrawn account alerts apply for personal accounts only (not available on business accounts).


Back to top