Protecting your privacy and the confidentiality of your personal information is fundamental to the way ANZ does business.

As a banking and financial services organisation, ANZ has a long history of handling personal information, including sensitive information, confidentially. We value the ongoing trust you have in us to protect your privacy.

Below you will find some important information about how ANZ (which for this page, also means ANZ’s Australian subsidiaries and Australian based businesses, such as Esanda, One Path, E*TRADE and ANZ Trustees) manage your personal information.
 

ANZ’s Privacy Policy
Our Privacy Policy explains how we manage and protect your personal information. It also describes how you can access and seek correction of the information ANZ holds about you and how you can make a complaint about ANZ’s privacy practices. … (read more)
Collecting your personal information
ANZ collects most personal information directly from you, however we may also collect your information from other sources, including third parties … (read more)
Collecting information required by law
ANZ may collect information from you because we are required or authorised by an Australian law or court/tribunal order to collect that information. … (read more)
Disclosing your information overseas
ANZ may need to disclose your information, including information we receive through the credit reporting system, to organisations located overseas. … (read more)
Credit Reporting
ANZ may disclose information about you to a credit reporting body and may obtain a credit report about you to assess a credit application and for other purposes. … (read more)

 

ANZ’s Privacy Policy

We will handle any information we collect about you in accordance with our Privacy Policy (PDF 104kB).

Our Privacy Policy explains how ANZ and its Australian subsidiaries will manage your personal information, including the information we disclose to credit reporting bodies and the information we receive through the credit reporting system.

You have a right to request access to the information ANZ holds about you, to seek correction of your information, and to lodge a complaint if you have concerns about how ANZ has managed your information. ANZ’s Privacy Policy explains how you can do each of these things and how ANZ will deal with any requests or complaints.

If you have any questions or would like more information about ANZ’s Privacy Policy, please contact us.

Call iconYou may contact the person, department or branch that you normally deal with. Alternatively, you may call the ANZ Australian Contact Centre on 13 13 14 at any time or email your question or request to yourfeedback@anz.com.

Collecting your personal information

ANZ collects most personal information directly from you. For example, you provide us with your information when you open an account, fill in an application form, deal with us over the telephone, send us a letter, use our website or visit a branch.

ANZ may also collect information about you that is publicly available, including information from telephone directories, the electoral roll or other websites.

There may be occasions when ANZ collects personal information about you from a third party. For example, ANZ may collect personal information from:

  • credit reporting bodies if we request a report about your credit history (see Credit reporting);
  • other credit providers if we request information from them about the products they provide to you;
  • organisations that ANZ has an arrangement with to jointly offer products and/or an alliance with to share information for marketing purposes to provide you with products or services and/or to promote a product or service;
  • our related entities so we can better manage your relationship with all ANZ companies;
  • marketing companies if we acquire contact information to tell people about ANZ products and services that may interest them; and
  • brokers and other parties who may have introduced you to ANZ.

ANZ may also collect information about how you use ANZ’s and other websites to help us better tailor our services to you. For example, ANZ may do this when you click on a link from an ANZ website or visit a website which displays an ANZ advertisement. Usually, the information ANZ collects in this way is general information only derived from cookies and does not identify you. You can read more about cookies in ANZ’s website and security statement. If ANZ does identify you with this information (for example, if you have been logged onto an online ANZ service), any use or disclosure of that information will be in accordance with this Privacy Policy.

Collecting information required by law

ANZ may collect information from you because we are required or authorised by an Australian law or court/tribunal order to collect that information. We will tell you if collection is required or authorised by law and provide you with details of the law, court or tribunal order.

For example, when you open a deposit account, ANZ is required under the Anti-Money Laundering and Counter-Terrorism Financing Act to collect certain information from you to prove your identity, such as your driver’s licence or passport details.

ANZ may collect your Australian tax file number (TFN) when you open a deposit account or take out a loan. It is not compulsory to provide your TFN, but if you do not, ANZ may deduct withholding tax from your interest payments at the highest marginal rate. ANZ will only collect your TFN to determine whether you are subject to withholding tax on any interest payments you receive and for no other purpose. ANZ’s OnePath business is authorised by the Superannuation Industry Supervision Act 1993 to request that you provide your TFN. If ANZ collects your TFN, we will handle your TFN in accordance with the Privacy Act and Guidelines issued by the Commissioner.

The National Consumer Credit Protection Act 2010 requires credit providers like ANZ to make inquiries into the financial situation, needs and objectives of individuals who apply for consumer credit. This is to ensure the credit provider has the information - such as the individual’s financial commitments, income and liabilities - to make an informed decision about whether the individual can afford the credit they are applying for.

ANZ may also be required to ask about your tax residency status under taxation information sharing agreements the Australian Government has in place with other countries. For example, a tax treaty between Australia and the United States formed under US law (Foreign Account Tax Compliance Act) requires ANZ to ask some account holders whether they are US citizens or US tax residents when they open an account. If you are a tax resident of another country, the relevant treaty or law may require us to collect your relevant foreign tax identification number.

Disclosing your information overseas

ANZ may need to disclose your information, including information we receive through the credit reporting system, to organisations located overseas.

The most common reason for ANZ disclosing information overseas is because we use service providers to perform some functions on our behalf, and some of these service providers are located overseas. We only disclose your information to these organisations when it is necessary for the services they provide ANZ.

For the most part, these service providers are related entities of ANZ which perform a range of technology, operational and customer service functions for ANZ.

These entities are located in the following countries:

  • The Philippines
  • China
  • India
  • Fiji
  • New Zealand.

ANZ may also use other offshore service providers to help provide you with our products and services or identify ways to improve our service to you.

If you apply for a home loan with ANZ, receive an A-Z Review of your banking needs or have a conversation with our Contact Centre staff, ANZ may send you an automated follow up request for your feedback on your experience(s). ANZ uses an external service provider based in Canada and the UK to help us send you the automated request and to analyse responses. We will therefore need to send your information to these locations.

When we provide you with a home loan, and it is a loan which requires ANZ to take out Lenders’ Mortgage Insurance (LMI), ANZ will disclose your information to an administrator with data storage facilities in the United States.

In addition to service providers, ANZ may also disclose your information to our overseas related businesses for the purposes explained in our Privacy Policy. For example, we may disclose your information to our Singapore business if you open an account with ANZ in Singapore.

When we disclose your information to an organisation located overseas, we are required to take measures to ensure your information is treated in accordance with the standards that apply in Australia, except in rare cases (for example, where we are required by law to disclose your information overseas) or where we obtain your consent not to take these measures.

The above is not a complete list of the countries to which your information may be disclosed when using an ANZ product or service. In some circumstances, the nature of the product or service you request may require ANZ to disclose your information overseas and the countries to which we may disclose your information will depend on the particular circumstances. For example, if you request to transfer funds to an overseas account using a telegraphic transfer, ANZ will be required to disclose your information to one or more overseas banks that are involved in making the payment. The location of these banks depends on where you want to send your funds.

Credit reporting

If you apply for a product from ANZ, we may request credit reports from credit reporting bodies. These credit reports contain information which assists us to assess your application, including information about your credit history with other credit providers. Credit reporting bodies can provide credit providers with credit reports in certain circumstances, including when an individual makes an application for credit, or when a credit provider is seeking to help an individual avoid defaulting on their credit. Credit reports are designed to assist credit providers to accurately assess an individual’s ability to repay credit.

To request a report, ANZ will provide information that identifies you and information about your application – including the type and amount of credit you are applying for.

ANZ may request such reports for consumer credit or commercial credit applications.

ANZ also discloses information about you to credit reporting bodies that can then be included in reports provided to other credit providers.

Credit reporting bodies

We disclose information to the following credit reporting bodies:

Veda Advantage Information Services and Solutions Limited

Veda's Privacy Policy

Telephone icon
1300 850 211
Mailing address icon
Veda Information Services & Solutions Ltd.
PO Box 964.
North Sydney NSW 2059.
Enquire online icon
Membership.query@veda.com.au

Dun and Bradstreet (Australia) Pty Ltd

D&B's Privacy Policy

Telephone icon
1300 734 806
Enquire online icon
PACAustral@dnb.com.au

Experian Australia Credit Services Pty Ltd

Experian's Privacy Policy

Telephone icon
1300 784 134
Mailing address icon
Experian Australia Credit Services Pty. Ltd.
PO Box 1969.
North Sydney NSW 2060.

Each of these credit reporting bodies is required to have a policy which explains how it will manage your personal information. If you would like to read the policies of the credit reporting bodies we disclose information to, you can click on the links provided above. If you would like more information about the way they manage your personal information, you can contact them directly.

Disclosing your information to credit reporting bodies

Recent changes to the Privacy Act mean that credit providers can now disclose more information about your credit history to credit reporting bodies, such as information about whether you make your required credit repayments on time. Credit providers will now be able to report and obtain more information about the credit individuals hold and how they repay their debt, beyond solely ‘negative information’ like defaults and other credit infringements.

The idea behind this new system is that credit providers will have more information at their disposal to make more informed decisions when assessing credit applications. The law applies strict rules around the purposes for which credit providers can access and use this more detailed information.

ANZ may disclose the following information about your credit to credit reporting bodies:

  • that ANZ provides credit to you;
  • the type of credit you hold;
  • the amount of credit provided to you; and
  • when your credit account is opened and closed.

We may also disclose how you repay your credit. If you fail to make repayments on your credit or you default on your obligations, ANZ may report this information to a credit reporting body. Equally, ANZ will inform a credit reporting body if you make repayments on time or if you have corrected a default.

We may also tell a credit reporting body if we suspect you have committed a serious credit infringement (for example, if you fraudulently obtain or attempt to obtain credit or you deliberately seek to evade your repayment obligations).

Fraud

If you believe that you have been or are likely to be a victim of fraud (for example, because you discover someone else is applying for credit in your name), you can ask credit reporting bodies not to use or disclose credit reports they hold about you. You can do this by contacting the credit reporting bodies directly. If you make such a request, a credit reporting body will not disclose information about you for 21 days. You can request an extension to this period if you believe you are still, or still likely to be, a victim of fraud.

Marketing

As part of ANZ’s service to you, we may identify new or existing products or services that may benefit you. For some products, ANZ may ask a credit reporting body to use the information it holds to identify individuals that are eligible for an ANZ marketing offer. If you are eligible you may be sent an offer on our behalf. You should contact credit reporting bodies directly if you do not want them to use your information in this way.

ANZ may also contact you from time to time to let you know about existing or new products and services that may benefit you. We will not use information that we have received through the credit reporting system for this purpose.

Accessing your information, requesting corrections and making complaints

We manage the information we obtain about you from a credit reporting body in the same way as we manage all other personal information about you.

Read our Privacy Policy (PDF 104kB) for more information about how to access the information we hold about you, how to seek correction of that information and how you can lodge a complaint if you have concerns about the way that ANZ has managed your personal information.

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