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Voice ID in the ANZ App

Use the ANZ App to make payments over $1,000. No codes. Just your voice.

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What's Voice ID?

Set up Voice ID

Use Voice ID

Have a question?



What's Voice ID?

We all have unique voices with distinctive tones and speech patterns.

Voice ID takes advantage of this as a safe and easy method of verifying your identity when using the ANZ App. Instead of a PIN or password, you just have to say the phrase "My voice confirms my identity".

Use Voice ID to make high-value payments

When you make a high-value payment  using the ANZ App, you'll be prompted to verify your identity using Voice ID.

Voice ID is a secure way for us to check that you're the correct person initiating the payment – without needing to generate a special code or password.

Set up Voice ID in just a few taps

  1. Make sure you're in a quiet place, then log in to the ANZ App and tap on Profile.
  2. Tap on your name then scroll down to Voice ID.
  3. Choose Voice ID and follow the prompts.

Once set up, you'll be able to make Pay Anyone payments over $1,000 and BPAY® payments over $10,000.

Making higher value payments in the ANZ App is simple

To make a higher value payment all you need to do is:

Step 1

Open the ANZ App on your mobile device. Select the account you wish to make the payment from

Step 2

Enter your payment details and confirm

Step 3

When prompted, say the phrase displayed on your screen 'My voice confirms my identity'

Step 4

With your identity verified, a confirmation receipt will appear. It's that easy

Take care of the day to day with the ANZ App

Join over three million users who are using the app to get on top of their money. You can see more information about your purchases, make payments in as little as 60 seconds with PayIDdisclaimer, temporarily block and unblock your card, and so much more. 

Download the app now.


Have a question?

Voice ID is a secure authentication method that uses advanced biometric security to verify your voice based on hundreds of unique characteristics. This makes it difficult for someone else to imitate you or even use pre-recorded audio of your voice.

A little background noise is fine. But if you’re in a loud environment (such as a crowded café or sporting event), it might be harder to use Voice ID effectively.

No. Voice ID uses unique characteristics of your voice to securely verify your identity. Speech recognition identifies words and phrases, no matter who they’re spoken by.

If you can’t use Voice ID, for example if you’ve lost your voice, you can still use ANZ Internet Banking to make a ‘Pay Anyone’ transaction over $1,000 or a BPAY® transaction over $10,000. 

If someone familiar to you can't recognise you over the phone, then it’s unlikely the technology will be able to. 

The ANZ App is provided by Australia and New Zealand Banking Group Limited (ANZ) ABN 11 005 357 522. Super and Insurance (if available) are not provided by ANZ but entities which are not banks. ANZ does not guarantee them. This information is general in nature only and does not take into account your personal objectives, financial situation or needs. ANZ recommends that you read the ANZ App Terms and Conditions available here for iOS (PDF) and here for Android (PDF) and consider if this service is appropriate to you prior to making a decision to acquire or use the ANZ App.

ANZ App for Android is only available on Google Play™. ANZ App for iPhone is only available from the App Store.

Apple, Apple Pay, Apple Watch, Face ID, iPad, iPhone and Touch ID are trade marks of Apple Inc., registered in the U.S. and other countries. App Store is a service mark of Apple Inc. Android, Google Play and the Google Play logo are trade marks of Google Inc.

Available when the sending and receiving accounts are capable of processing faster payments. Not available on some ANZ accounts, including ANZ Home Loans and ANZ Personal Loans. Technical interruptions may occur.