Find ANZ Contact

Register for Pay Anyone

Pay Anyone is an easy way to transfer money from your account to someone else's account. You can transfer to any Australian Financial Institution (bank, building society, credit union). All you need is the BSB number and account number of the recipient.

How do I register for Pay Anyone?

In order to use Pay Anyone you must first register for the service.

Step 1 - Navigate to "Pay Anyone" access

Go to the "Payments" menu
Select "Pay Anyone Access"

Step 2 - Set up your daily limit and "Submit" your request

The daily limit is the maximum amount you can transfer per day for Pay Anyone, international services, the purchase of bank cheques and donations to charity through ANZ Internet Banking
The daily limits for personal customers range from $1,000 to $10,000 (or up to $25,000 if registered for ANZ Shield)
Business customers using ANZ Internet Banking can apply for $5,000 to $25,000 (or up to $50,000 if registered for ANZ Shield) while ANZ Internet Banking for Business customers can apply for up to $1,000,000
Only the limits available to you will be displayed
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.

Step 3 - Answer your challenge questions/enter your Shield Code

You may be asked to answer your challenge question(s) or enter a Shield Code to help us verify your identity when registering for Pay Anyone
Enter the answer to your challenge question(s) or enter your Shield Code and "Submit" button to proceed with your request.
If you are unable to answer your questions correctly you will not be able to complete your Pay Anyone registration.

Step 4 - Application Successful

If you answered your challenge questions or entered your Shield Code correctly you will receive an application successful message.
At this stage you can select "Pay Anyone" to go to Pay Anyone page and make payments up to your nominated 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 9699 6908) 24 hours a day, seven days a week.

Frequently asked questions

Use our frequently asked questions to find out more about registering for Pay Anyone.

Do I need to register for Pay Anyone

Yes. You need to register for the Pay Anyone facility online and activate your daily limit before you can start transferring money to any Australian Financial Institution (bank, building society, credit union).

What does Pay Anyone cost?

There is no fee/charge for using Pay Anyone. However, if you have used all of your monthly free withdrawals for your account, normal excess transaction fees and government charges may apply.

How do I remove Pay Anyone access?

Go to the 'Profile' menu.
Select the 'Change my Pay Anyone limit' in "Manage billers and payees" section
Select 'Remove Pay Anyone access'
You can reinstate Pay Anyone access at any time in the future if you need to.
Remember if you remove your access to Pay Anyone all of your payee details will also be removed.

What daily limits are available to me and can I apply for others?

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

If you're not registered for ANZ Shield:

Customers with personal accounts may request daily limits of $1,000, $5,000 or $10,000. If you request $1,000, it will be activated immediately and you can start making payment on the same day.
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 customer you may request a daily 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.

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 does my daily limit apply to?

The daily limit applies only to Pay Anyone, purchase of bank cheques online, donations to charity and international transfers via ANZ Internet Banking.

If I register for Pay Anyone, can I transfer funds overseas?

No. Pay Anyone allows you to transfer funds to any Australian financial institution (bank, building society, credit union). You need to register for international services along with Pay Anyone to be able to transfer funds overseas.

Find out more about transferring funds overseas

What are challenge questions?

Challenge questions are a security feature that adds an extra level of protection. They’re three questions that you set up with your own personal answers which help us verify your identity.
These questions and their answers are designed to be easy for you to remember but hard for someone else to guess.
What happens if I get my challenge questions wrong?
We will let you know if your answers do not match the answers you have previously set up. If you are unsure of the answers please call us to verify your identity on 13 33 50 (International callers: +61 3 9699 6908) 24 hours a day, seven days a week. If you continue to enter incorrect answers you may have your access suspended as a precaution.

How can I increase my Pay Anyone limit?

To increase your Pay Anyone limit go to "Change my Pay Anyone limit" from the “Profile”menu. Select your new limit and choose “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 your identity when registering for Pay Anyone. Refer to Step 3 above for additional details.

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.