Find ANZ Support Centre

Change my Pay Anyone limit

Your daily Pay Anyone limit is one daily limit applied across all accounts linked to your ANZ Customer Registration Number and services. It applies to Pay Anyone payments, multiple Pay Anyone payments, International Services (transferring funds to an overseas bank account and ordering foreign currency cash), the purchasing of bank cheques and online charity donations.

If you are a personal customer using ANZ Internet Banking your daily limit range is $1,000 to $10,000 (or up to $25,000 if registered for ANZ Shield)
If you are a business customer using ANZ Internet Banking your daily limit range is $5,000 to $25,000 (or up to $50,000 if registered for ANZ Shield)
If you are an eligible ANZ Internet Banking for Business user a higher daily limit up to $1,000,000 can apply.

Only the limits available to you will display on the "Change your Pay Anyone access" page.

Please note: The $1,000,000 Pay Anyone limit requires higher authentication by ANZ and you may be contacted for further information to verify payment details.

You can change your daily limit in a just few easy steps.

How do I change my Pay Anyone limit?

Changing your Pay Anyone daily limit is easy.

Step 1 - Navigate to "Change my Pay Anyone" limit

Go to either the "Settings" menu or the “Payments” menu.
Select "Change my Pay Anyone limit".

Step 2 - Select your new daily limit

Select your new daily limit amount from the "Set your new limit" section. Only the limits available to you are displayed on this page.
Select "Change my limit" to submit the request

Please note for ANZ Internet Banking for Business users:

The daily limit selected is activated and immediately available for use
Making third party payments (using Pay Anyone) requires your ANZ Security Device to be activated
The $1,000,000 Pay Anyone limit requires higher authentication by ANZ and you may be contacted for further information to verify payment details
If this information cannot be verified, payments may be cancelled.

Step 3 - Verify your new daily limit

Because we take the security of your personal and account information seriously, we have a range of security measures to help verify your identity when you’re increasing your daily Pay Anyone limit.

After you choose a daily limit the next step differs depending on the limit chosen and your security setting.

Enter your ANZ Shield Code

If you are registered for our free security app ANZ Shield, you may be prompted to enter your ANZ Shield Code

If prompted, open the ANZ Shield app on your phone and generate a Shield Code
Enter your Shield Code in ANZ Internet Banking
You can make Pay Anyone payments with your new daily limit effective immediately.

Answer your challenge questions

Alternatively, if presented with a challenge question:

Enter the answer to your challenge question(s) and select "Continue" to proceed.
If you are unable to answer your challenge question(s) correctly you will not be able to change your daily limit

If you successfully answered your challenge question(s) you can make Pay Anyone payments with your new daily limit effective immediately.

Need more help?

Choose another topic from the table of contents

Send us a SecureMail

For further assistance please call the ANZ Internet Banking team on 13 33 50 (International callers: +61 3 9683 8833) 24 hours a day, seven days a week.

Frequently asked questions

Use our frequently asked questions to find out more about changing your daily Pay Anyone limit.

What limits are available to me?

There are different limits available to you depending on the type of accounts you have. You need to request a limit and activate it before you start making payments. Only the limits available to you will be displayed, and:

If you're not registered for ANZ Shield:

Customers with personal accounts may request daily limits of $1,000, $5,000 or $10,000.
Customers with business accounts may request daily limits of $5,000, $10,000, $15,000 or $25,000.
If you are an ANZ Internet Banking for Business user you may request a daily Pay Anyone limit of up to $1,000,000.

Please note: The $1,000,000 limit requires higher authentication by ANZ and you may be contacted for further information to verify payment details.

If this information cannot be verified, payments may be cancelled.

If you're registered for ANZ Shield:

In addition to the daily limits listed above,

Customers with personal accounts can get instant access to higher daily Pay Anyone limits of $15,000 or $25,000; and
Customers with business accounts can get instant access to a higher daily Pay Anyone limit of $50,000.

How can I request a higher limit?

To increase your Pay Anyone limit go to "Change my Pay Anyone limit" from the "Settings" menu. Select your new increased limit and select "Change my limit". Only the limits available to you will be displayed.

You may be asked to answer your challenge question(s) or enter a Shield Code to help us verify when changing your daily Pay Anyone limit.

For ANZ Internet Banking for Business users:

You can increase your limit from the "Change my Pay Anyone limit" page and it is active and instantly available for use.

Please note: The $1,000,000 Pay Anyone limit requires higher authentication by ANZ and you may be contacted for further information to verify payment details. If this information cannot be verified, payments may be cancelled.

What additional authentication is required for my $1,000,000 Pay Anyone Limit?

To support your ANZ Internet Banking for Business $1,000,000 Pay Anyone Limit, additional authentication is required for certain transactions.

Please note:

ANZ may contact you to verify the details of certain payments using this limit. It is important to ensure you confirm transaction details with us from your source of truth (i.e. an invoice) to prevent sophisticated fraud threats.
ANZ recommends that all third party transactions of $500,000 and above are authorised prior to 4.00pm Melbourne time to ensure we can contact you to verify payment details when required. If we are unable to contact you to verify transaction information, payments may be cancelled.

What else will this limit apply to?

Your daily limit applies to Pay Anyone payments, international services (transferring funds overseas and purchasing foreign currency cash), the purchasing of bank cheques online and online charity donations.