Pay to a PayID

A PayID is a simplified payment address that’s linked to a bank account and capable of receiving payments. 

ANZ allows you to link a mobile number, email address or ABN/ACN with an eligible ANZ bank account to create a PayID. 

ANZ allows payments to PayID mobile numbers, email addresses, ABN/ACNs and Organisation IDs (Org IDs).

A PayID type refers to the form of identifier linked to a bank account to create a PayID.

Eligible ANZ accounts can be linked to the following PayID types to create a PayID:

• Mobile numbers
• Email addresses
• Australian Business Numbers/Australian Company Numbers (ABN/ACNs)

Eligible ANZ accounts can pay to the following PayID types:

• Phone numbers
• Email addresses
• ABN/ACNs
• Organisation IDs (Org IDs)

There are different limits available to you depending on the type of accounts you have. You need to firstly request for the daily limit and activate it before you can start making payments.

If you're not registered for ANZ Shield:

• Customers with personal accounts may request for $1,000, $5,000 or $10,000. The request for $1,000 will be activated immediately and you can start making payment on the same day
• Customers with business accounts may request for $5,000, $10,000, $15,000 or $25,000 as their daily Pay Anyone limit
• ANZ Internet Banking for Business customers may request for 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.

You can transfer funds from your account to any Australian financial institution (bank, building society, credit union) account. All you need is;

• The payee's account details, which includes their;
  • Account number, which is numeric,
  • BSB number that is exactly six digits and identifies the bank and branch of the payee and
  • Account name, or;

The payee’s PayID (which can be a phone number, email address, ABN/ACN or Organisation ID)

Rather than using Pay Anyone to transfer funds overseas, you'll need to perform an International Money Transfer. However, you'll first need to be registered for International Services.

No. You cannot use Pay Anyone to transfer funds to a credit card (including your own ANZ Credit Card).

• To make payment to your own ANZ Credit Card use the Pay ANZ Credit Card or Transfer between my accounts function. Your credit card account must be linked to your ANZ Internet Banking

To make payment to a credit card that is not linked to your ANZ Internet Banking, use the Pay BPAY® Bills function.

Yes. You can transfer funds from an ANZ Credit Card using Pay Anyone. However, this will be treated as a cash advance and may incur a fee (interest is applicable).

You must fill in your name under the "Your name/business name" field.

• This will appear in the payee's statement.

If you are making a payment from your business account, you may also fill in your business name.

If your Pay Anyone payment cannot be processed, the status will show as "failed" and there will be no receipt number displayed.

• You can check the details of the payment to find the reason that the payment failed
• If your Pay Anyone payment fails, the funds will not be deducted from your account
• Once you check the reason for the failed payment, you can make necessary changes to make the Pay Anyone payment again.
• Find out more about past payments/transfer

Pay Anyone payments scheduled for today can't be cancelled or edited. You can only edit payments scheduled for a future date.

Can I edit a future-dated payment/transfer?

Yes. You can skip a future payment/transfer or bill payment from a recurring sequence:

Skip/unskip future payment/transfer

You can only delete your payment if it is scheduled for a future date:

• Delete a future payment/transfer

If your payment is scheduled for today, ANZ can’t cancel the Pay Anyone payment, but you can:

• enquire about a past funds transfer or Pay Anyone payment in ANZ Internet Banking; or
• contact the ANZ Internet Banking Helpdesk on on 13 33 50 (International callers: +61 3 9699 6908) 24 hours a day, seven days a week.
• It may take up to 6-8 weeks for the resolution of a Pay Anyone dispute.

If your payment has already been processed, and you think you may have entered the incorrect payment details, you can enquire about a past funds transfer or Pay Anyone payment in ANZ Internet Banking.

• Alternatively, you may contact the ANZ Internet Banking Helpdesk on 13 33 50 (International callers: +61 3 9699 6908) 24 hours a day, seven days a week.
• It may take up to 6-8 weeks for the resolution of a Pay Anyone dispute.

The time that it takes for the payee's account to be credited will vary depending on the policy and systems of the payee's bank.  ANZ will generally process Pay Anyone instructions:

• In near real time, or on the future date you have selected, if the Pay Anyone transfer can be made through the Osko® service
• If the Pay Anyone transfer can’t be made via the Osko® service, in the following way:

• Payments for "Today" submitted before 6.00pm Melbourne time on a bank business day are processed on that day.
• Payments for "Today" submitted after 6.00pm Melbourne time or on weekends or public holidays are processed on the next bank business day.

If your recipient’s bank is registered to the Osko service then the recipient may receive your payment in near real time, regardless of when it is submitted.

An end-to-end ID is an identifier used by businesses or organisations to classify and organise the payments they receive. You can only enter an end-to-end ID for payments sent via the Osko service

Entering an end-to-end ID is not required to proceed with your Pay Anyone payment, but may be requested by your payee.

If you’d like to receive payments using a PayID, you can link a mobile number, email address or ABN/ACN to an eligible account to create a PayID using ANZ Internet Banking.

Learn how to create a PayID

• When transferring to a BSB and Account number, it is your responsibility to ensure that the details provided by you are correct or your payment may be sent to the wrong account. ANZ does not check that the details provided by you are correct.
• When transferring to a PayID, it is your responsibility to check that the PayID you’ve entered belongs to the person that you intend to pay.
• You cannot delete or cancel an immediate payment or a payment to be processed today.
• Future-dated payments require cleared funds in your account at 11.59pm Melbourne time on the day before the scheduled payment date or your payment will be unsuccessful.
• You cannot amend a recurring payment. You must delete the existing recurring payment series by selecting the recurring payment series from the Manage future payments / transfers function and then set up a new recurring payment series.
• Payments from your ANZ Credit Card are treated as a cash advance, which may involve a fee (interest is applicable).