Operating ANZ eBiz - ANZ eBiz

Operating ANZ eBiz

Processing of BillPay
Pay Anyone and International Transfers
Processing value transactions
Operating ANZ eBiz
Termination and suspension
Error or dispute resolution
Change of names and addresses
Processing delays
Interruption of ANZ eBiz

Generally a BillPay payment will be treated as received by the biller to whom it is directed after four ANZ working days have elapsed from the day the BillPay payment instruction was made via ANZ eBiz. You are responsible for ensuring that you authorise a BillPay payment taking into account the biller's due date for payment.

Notwithstanding this, a delay might occur in the processing of a BillPay payment where:

there is a public or bank holiday on the day after ANZ is told to make a BillPay payment; or
a biller, or another financial institution participating in the BillPay Scheme, does not comply with its obligations under the BillPay Scheme.

ANZ will not be obliged to effect a BillPay payment instruction if it is not made in accordance with these terms and conditions or if ANZ considers that the information given is incomplete and/or inaccurate. You acknowledge that ANZ is entitled to rely on the information given to it as being accurate.

What happens when a biller cannot process a BillPay payment?

If a biller advises ANZ that it cannot process your BillPay payment, ANZ will:

advise you of this; and
credit the account holder's account with the amount of that BillPay payment; and
tell you how ANZ can assist you, if possible, in making the payment as soon as possible.

Payment authorised but fraudulently induced

ANZ's acceptance of your instructions to pay a biller does not generally protect the account holder against the possibility of fraud by that biller or some other party involved in the BillPay Scheme. Although ANZ will provide you with reasonable assistance to help you pursue a refund, the account holder could ultimately bear the loss. It is your responsibility to exercise care about the biller dealt with, the security of your CRN and password, and the accuracy of instructions given to ANZ.

2. Pay Anyone and International Transfers

How do I access Pay Anyone and International Transfers?

The account holder must nominate that you have access to Pay Anyone or International Transfers by contacting the Call Centre and arranging to register you for Pay Anyone and/or International Transfers. Pay Anyone and/or International Transfers will then be available to you the next time you access ANZ eBiz.

Pay Anyone and International Transfers access may be subject to a daily transfer limit selected by the account holder. The account holder can increase or decrease the daily transfer limit at any time by completing the relevant ANZ eBiz form.

Giving Pay Anyone and International Transfers instructions to ANZ

You must provide the information requested by ANZ to make a Pay Anyone or International Transfer payment. Your instruction will not be processed if:

all necessary information is not provided;
multiple authorisation has not occurred where the account holder has elected to make access subject to multiple authorisation;
there are insufficient available funds in the account from which funds are to be transferred;
you do not have Pay Anyone or International Transfer access either when you give ANZ your instructions or when your payment or transfer is to be paid; or
ANZ is (for whatever reason) restricted or prohibited by law, regulation, the requirement of a government or similar authority or industry code from permitting the payment to occur.

Pay Anyone and International Transfer payments will be made in accordance with your instructions. You must ensure that you always provide ANZ with the correct account number, account name, bank and branch details.

ANZ is not required to, and does not, check that the details provided by you are correct. Any error in entering these details may result in a transfer being made to an incorrect payee or the transfer not being made at all. ANZ is not responsible for any inaccuracy in instructions given by you nor liable to you for any loss arising from such inaccuracy in instructions.

ANZ is not responsible for the information that the payee receives in relation to a transfer. This information is supplied to the payee by the payee's bank.

Processing your Pay Anyone or International Transfer instructions

ANZ will process instructions given by you:

to make an immediate Pay Anyone or International Transfer payment - on the day the instruction is given, provided that ANZ receives the instruction prior to the processing cut-off time on an ANZ working day, or otherwise the transfer will be made on the ANZ working day following the day ANZ receives the instructions; and
to make a future dated Pay Anyone transfer - on that day if that day is an ANZ working day, or if it is not, on the ANZ working day after the day requested.

ANZ will ensure that instructions given by you to make a transfer are delivered to the payee's financial institution on the day that ANZ processes those instructions except where:

ANZ is not obliged to process your instructions under these terms and conditions;
there is a technical failure which causes any delay in the acceptance or transmission of the instructions; or
there is a delay or error in accepting the instructions caused by the financial institution to which the transfer is to be made.

ANZ cannot control when, or even if, the payee's financial institution processes your instructions, or the fees that financial institution may charge to process your instructions. To help ensure that you know when or if your instructions have been successfully completed, you should:

ensure that you have received a lodgement receipt. This is a number issued by ANZ in relation to a Pay Anyone or International Transfer instruction and is evidence that your instructions have been received (but not necessarily processed) by ANZ;
ensure that you have received a separate receipt number. This will be issued when ANZ has processed your payment. If you have requested ANZ to process a transfer on a future date, you should check ANZ eBiz on the day after the payment is scheduled to be made, to confirm that a receipt number has been issued and that the payment has been processed by ANZ; and
confirm with the payee that your Pay Anyone or International Transfer payment has been received.

Once ANZ processes your Pay Anyone or International Transfer instruction, it relies on advice from the payee's financial institution if your instructions have not been successfully processed by that financial institution. If ANZ is advised that a payment or transfer was not successful, ANZ will promptly notify you and reverse the withdrawal. However, it may take up to 2 weeks for this to occur, depending on the other financial institution.

Liability for delay in Pay Anyone or International Transfer instructions

ANZ will not be liable to you or the account holder for any acts or omissions by the payee's financial institution or other institution whose services are used to effect the Pay Anyone or International Transfer payment, including a delay in processing the payment by such institutions.

3. Processing value transactions

Generally, a value transaction made via ANZ eBiz will be issued with a receipt number. It is your responsibility to carefully retain this number along with other details for any future reference.

An instruction will not be acted upon by ANZ when instructions require the transfer of funds from an account and there are insufficient available funds.

When ANZ has instructions for more than one transfer from your account(s), it will determine the order of priority in which transfers are made.

Any instruction given by you via ANZ eBiz cannot be cancelled, altered or changed.

4. Operating ANZ eBiz

Transaction limits

ANZ may change or impose limits on the amount of funds that will be made available through ANZ eBiz over any specified period of time.

Drawings not to exceed available funds

You must not make a transfer from any account that exceeds the available funds in that account including any pre-arranged credit. Any amount transferred in excess of the available funds in an account including any pre-arranged credit is immediately payable to ANZ. Fees and/or interest may be charged on such amounts.

Account balance information accessed through ANZ eBiz should reflect the balance of the account at the time your request is made, excluding any transactions not yet processed and any cheques or other deposits paid into the account but not yet cleared.

There may also be circumstances, for example, systems failure and technical difficulties, which mean that account balance information is not reported on a real time basis.

Fees and charges

ANZ may impose fees and charges in relation to the use of ANZ eBiz. Information on fees and charges is available from the section “Fees and Charges” on the Internet. You agree to pay the fees and charges and also agree that ANZ may debit these fees and charges directly to your account.

Foreign currency accounts

ANZ eBiz will allow non-jurisdiction currency transactions to occur where both you and ANZ have obtained all authorities under the laws of the appropriate jurisdictions and ANZ has accepted that you hold such authorities. ANZ Internet Banking will only allow transfers between your foreign currency accounts provided that the accounts are in the same currency. You will not be able to perform BillPay payments from foreign currency accounts.

5. Termination and suspension

Can I terminate my access to ANZ eBiz?

You may cancel your access to ANZ eBiz (or revoke the authority of an authorised agent to access your account(s) using ANZ eBiz) at any time by giving a written notice to ANZ or completing the relevant ANZ eBiz form for cancellation.

Can ANZ terminate or suspend my access to ANZ eBiz?

ANZ may terminate your access to ANZ eBiz at any time by notifying you in writing (which may include notice given to you when you log-on to use ANZ eBiz). ANZ may also withdraw or deny access to ANZ eBiz or any part of it without prior notice to you for reasons of security or quality of the ANZ eBiz service. ANZ may also at any time suspend your right to participate in the BillPay Scheme, Pay Anyone or International Transfer via ANZ eBiz. ANZ will not do this without good reason which could include:

ANZ suspecting you of being fraudulent or engaging in improper conduct; or
ANZ suspecting that a third party has fraudulently used, or attempted to use, ANZ eBiz with your password.

6. Error or dispute resolution

You should check your account records carefully and promptly. If you believe that an error has occurred in any transaction or there has been an unauthorised transaction, the account holder should contact the ANZ Call Centre or visit any ANZ branch promptly. To assist with ANZ's investigation, you will need to provide the following information:

your name, address, account and/or biller or payee details and CRN;
details of the transaction in question; and
the amount of the suspected error or disputed or unauthorised transaction.

If you inform ANZ verbally, we may require you to send the complaint in writing within 10 ANZ working days and provide ANZ with further details of the complaint.

7. Change of names and addresses

If you change your name or postal address, you must notify ANZ in writing as soon as possible, complete the relevant form for amendments, or ring the Call Centre.

8. Processing delays

ANZ may delay acting upon, or may ask you for further information before acting on, any instruction.

Where a transfer or payment is made from your accounts, the respective account balances may be updated the same day or on the next ANZ working day. Where account balances are to be updated the next ANZ working day, the amount transferred may be temporarily held against the account from which your transfer is made until the transfer is complete.

9. Interruption of ANZ eBiz

ANZ does not represent or guarantee that access to ANZ eBiz will be uninterrupted. You acknowledge that ANZ eBiz may be affected by outages, faults or delays.

Such outages, faults or delays may be caused by factors including, but not limited to, technical difficulties with the performance or operation of ANZ's or another person's software, equipment or systems, traffic or technical difficulties with the Internet, or infrastructure failures such as damaged phone lines or interference with digital signals.