Pay to a phone number

"Pay Anyone" is an easy way to pay from your account to someone else's account. You can pay to any Australian financial institution (bank, building society, credit union).

You can make a Pay Anyone payment to a recipient’s phone number using an eligible ANZ account. You can only pay to a phone number that has been successfully linked to a bank account to create a PayID.

How do I make payments to a phone number?

To make a payment to a phone number, you’ll need to be logged in to ANZ Internet Banking.

Step 1 - Navigate to "Pay Anyone"

• Select the "Payments" menu.
• Select "Pay Anyone".

Step 2 - Select an account to make your payment from

• Select a payment account after doing the following:
  • Looking through your accounts; or
  • Filtering your accounts using the filter textbox (look for the magnifying glass):
    • Enter characters of your account’s BSB, Account number, Account name, Available funds or Current balance.
    • To filter on Available funds or Current balance, be sure to include any commas. E.g. 2,300 rather than 2300.
• If you change your mind and want to select a different account, select the dropdown and then select a new account.

Step 3 - Select a phone number to make a payment to

Choose between three options:

Option 1 - Select an existing payee’s phone number

• Select the payee you wish to pay after doing the following:
  • Looking through your payees; or
  • Filtering your payees using the filter textbox (look for the magnifying glass):
    • Enter characters of your payee’s nickname or any associated payment type.
  • Then either;
    • Select the payee’s phone number that you intend to pay to, if it is already the default payment:
      • Select the payee you intend to pay to.
      • Note: the default payment type is listed underneath the payee’s nickname.
    • Select the payee’s phone number that you intend to pay to, if it isn’t already set as the default payment:
      • On the payees list, select “edit”.
      • This will open the edit payee modal.
      • Select the payment type that contains the payee’s phone number you intend to pay to.
  • If you change your mind and want to select a different payee, select the dropdown and then select a new payee.

Option 2 – Add a phone number to an existing payee

• Select the payee you wish to pay after doing the following:
  • Looking through your payees; or
  • Filtering your payees using the filter textbox (look for the magnifying glass).
    • Enter characters of your payee’s nickname or payment type.
• Under “Add a new payment type”, select “Phone number”.
• Enter the payee’s phone number.
• Check the payee’s phone number is linked to a bank account by selecting “Check phone number”.
• If the phone number is linked to a bank account, a “Continue” button will appear.
• Check that the name shown is the name of the person/business you intend to pay before selecting “Continue”.
• If the phone number isn’t linked to a bank account, it will display an error message prompting you to check that the phone number is correct.
• Note: this phone number will be saved as your default payment for this payee after your payment has been submitted.
• If you change your mind and want to select a different payee, select the dropdown and then select a new payee.

Option 3 – Add a new payee

• Select “Add a new payee”.
• Under “Add a new payment type”, select “Phone number”.
• Enter the payee’s phone number.
• Check the payee’s phone number is linked to a bank account by selecting “Check phone number”.
• If the phone number is linked to a bank account, a “Continue” button will appear.
• Check that the name shown is the name of the person/business you intend to pay before selecting “Continue”.
• If the phone number isn’t linked to a bank account, it will display an error message prompting you to check that the phone number is correct.
• Note: you’ll be able to save this payee after your payment has been submitted.
• If you change your mind and want to select a different payee, select the dropdown and then select a new payee.

Step 4 - Enter the payment details

Amount: enter the amount you wish to pay, using a decimal point, if applicable.

Your name/Business name: fill in either your own name or the name of your business if appropriate.

• This will appear on the payee's statement so make sure the text makes your identity clear to the payee. This must only contain letters, hyphens and spaces (no special characters. E.g. _/@#%^*).
• You can enter a maximum of 16 characters.

Message/Reference: enter a message to appear on the payee's statement. Make sure the message clearly represents your payment. For example, if you are paying a bill you may need to include an invoice number, or perhaps your own name or the name of your business.

You can enter a maximum of 18 characters if you’re making a payment to this phone number for the first time. For subsequent payments to this phone number, you may be able to enter up to 280 characters if your payment is being sent via the Osko service.

End-to-end ID (optional): If you’re making a payment to a business or organisation they may request that you also enter a customer reference into the end-to-end ID field.

Note: the end-to-end ID field will only be available when you’re making a Pay Anyone payment that will be sent via the Osko service from an eligible ANZ business account.

Step 5 - Select your payment schedule

• Select your payment schedule from the three "When" options:

Option 1 - Create a one off bill payment for today

• Select the "Today" option (if not already selected).

Option 2 - Create a one-off payment for a future date

• Select the "Later" option.
• Enter or select a date for your payment. The date must fall within the next 12 months.

Option 3 - Create a schedule of regular payments

• Select the "Recurring" option.
• Select the "Frequency" of your payments. (Daily, Weekly, Fortnightly, Monthly, Quarterly, Semi-annually or Annually).
• Enter or select a start date. Your first payment will be made on this date.
• Specify when you want the payment schedule to end. The options are:
  • Never: The payments will continue to be made until you delete the scheduled payment(s). See Delete a future payment/transfer for more information.
  • After: Enter the number of payments to be made.
  • On:  Enter or select a date using the calendar icon. Payments will continue until this date. This must be a date within the next 10 years.
• Select "Continue" to proceed.

Step 6 - Review and confirm

• Review all your information to ensure it is correct. If you notice mistakes, select "Back" and re-enter the correct details following steps 2-5.
• Note: ANZ may not be able to recover incorrectly addressed payments, so be sure to check you’ve entered the correct payment details.
• When you are happy with the information entered, select "Confirm".

If you are an ANZ Internet Banking for Business Operator, you will instead select the "Request authorisation" button to submit the Pay Anyone payment to the relevant Authoriser for approval.

Step 7 - View your lodgement receipt

• Your lodgement receipt is displayed to confirm that your payment has been submitted successfully.
• You’ll also receive a receipt number immediately if you selected “Today” as your payment schedule. If the payment is scheduled for a future date, the receipt number will be available once your payment is actually processed.
• The lodgement receipt doesn’t necessarily mean the payment will be processed successfully as that is dependent on the details you have entered being accurate, and on sufficient funds being available on the set date/s.
• Please make a note of the lodgement number and receipt number (if available) for your own records.
• If you’ve added a new payment type to an existing payee this will automatically be saved to your payee and set as the new default payment.
• If you’ve paid to a new payee, you can save the payee to your payee by following these steps:
  • Select “Save payee”.
  • Enter a nickname for your new payee.
  • Select “Save”.

Important notes

When you are transferring money it is your responsibility to ensure the details you provide are correct.

• Future dated payments require cleared funds in your account prior to 11.59pm Melbourne time on the day before the scheduled payment date, or your payment will be unsuccessful.
• ANZ may not be able to recover incorrectly addressed payments, so be sure to check you’ve entered the correct payment details.
• If you have made a mistake in your payment, you can send the details via the ANZ Internet Banking function Enquire about a past funds transfer or Pay Anyone payment or call the ANZ Internet Banking Helpdesk on 13 33 50 (International callers: +61 3 9699 6908) 24 hours a day, seven days a week.

   

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For further assistance please call the ANZ Internet Banking team on 13 33 50 (International callers: +61 3 9699 6908) 24 hours a day, seven days a week.