Fraud protection.
Now it’s personal.
ANZ Falcon® technology monitors millions of transactions every day to help keep you safe from fraud.
Falcon® is a registered trademark of Fair Isaac Corporation.
Fraud protection.
Now it’s personal.
ANZ Falcon® technology monitors millions of transactions every day to help keep you safe from fraud.
Falcon® is a registered trademark of Fair Isaac Corporation.
Log in
Explore more
Cyber Security
Awareness Month 2024
Cyber security is everyone’s business, explore easy ways to help protect yourself and your business.
A Target Market Determination (TMD) is a written document that describes who a product has been designed for and conditions on how the product can be distributed to customers.
TMDs are required under the Treasury Laws Amendment (Design and Distribution Obligations and Product Intervention Powers) Act 2019.
They are part of a broad framework designed to ensure we take a customer centric approach to the design and distribution of our products.
Jump to
Under DDO, a regulated person engaging in retail product distribution conduct must report to the issuer information relating to:
In addition, a TMD may specify that other information be reported to us by specified regulated persons. Any specification of that kind does not limit the reporting obligations of regulated persons under the Corporations Act.
See the relevant TMD for further information.
This information can be reported to ANZ via the relevant DDO Reporting form.
For more information, refer to our DDO reporting Quick Reference Guide (PDF).
This information can be reported to your Relationship Manager or Transaction Banking Account Manager.
This information can be reported to ANZ via the relevant DDO Reporting form.
For more information, refer to our DDO reporting Quick Reference Guide (PDF).
ANZ Low Rate Credit Card (PDF)
ANZ Low Fee Credit Cards (PDF)
(ANZ First and ANZ Platinum)
ANZ Rewards Credit Cards (PDF)
(ANZ Rewards Platinum, ANZ Rewards Black)
ANZ Frequent Flyer Credit Cards (PDF)
(ANZ Frequent Flyer Platinum, ANZ Frequent Flyer Black)
ANZ Smart Choice Super and Pension (PDF)
(This product is issued by OnePath Custodians)
ANZ Smart Choice Super for employers and their employees (PDF)
(This product is issued by OnePath Custodians)
ANZ Enhanced Yield Fund (PDF)
(This product is issued by OnePath Funds Management Limited)
ANZ Fixed Income Fund (PDF)
(This product is issued by OnePath Funds Management Limited)
ANZ Private Global Equities Trust (PDF)
(This product is issued by OnePath Funds Management Limited)
ANZ Global Equities (Actively Hedged) Fund (PDF)
(This product is issued by OnePath Funds Management Limited)
ANZ Private International Fixed Interest Fund (PDF)
(This product is issued by OnePath Funds Management Limited)
From 5 October 2021, DDO will require issuers and distributors to take a customer centric and targeted approach to the design and distribution of financial products. In doing so, DDO is intended to help customers acquire products that are consistent with their needs, objectives and financial situation.
DDO requires issuers to:
DDO requires distributors to:
Please refer to the relevant TMD and our DDO Reporting Quick Reference Guide (PDF) for more information on how to report information to ANZ.
Under DDO, these obligations apply to anyone who engages in “retail product distribution conduct”.
“Retail product distribution conduct” is defined under the Corporations Act 2001 (Cth) to include:
The TMDs set out distribution conditions that apply to the relevant products. Distribution conditions are restrictions or conditions on distribution which, if followed, are intended to make it likely that the customer is in the target market for that product.
A TMD is not a recommendation, opinion or advice that any person acquire the product or is within the target market for the product. A particular person’s objectives, financial situation and needs may differ from others in the class of persons who form the target market for the product. A TMD does not summarise the terms or risks of the product. A TMD is not an offer of, or invitation to apply for, the product to any person in Australia or in any other jurisdiction. It does not set out all obligations of regulated persons in relation to the product or the TMD. Persons considering applying for a product should first contact ANZ to obtain information about the product and the application process.