My card account transactions

To view your past transactions:

• Go to the "View Accounts" landing page.
• This is the first page you see when you log on to ANZ Internet Banking.
• If you cannot locate it go to the "Accounts" menu and select "View Accounts".
• Select your relevant account from the list by clicking the account name - this will take you to the account overview.
• In the account overview the "Transactions" tab will display by default for cheque or savings accounts, loan accounts or investment accounts.
• Card accounts will display the card statement tab by default so you'll need to select the "Transactions" tab.

In the "Transactions" tab select an option for viewing transactions, using the radio buttons:

• Transaction history: the transactions that have been processed to your selected account in the last 120 days. For V2 Plus accounts, only transactions from the last 90 days will display.
• Recent transaction: the transactions that have been received by ANZ for processing. Once these transactions have been processed they will be moved to the transaction history section.
• Outstanding authorisations: the transactions from your ANZ Access Visa Debit card that have been received by ANZ for processing but have not cleared as yet. This option is only available for eligible accounts.

When you've chosen your option, click "View".

• Find out more about viewing your transactions

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The best way to view transactions from the past 60 or 120 days is to use the search transactions function.

• Find out more about searching transactions

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"Outstanding Authorisations" are transactions carried out using your ANZ Access Visa Debit card that have been received by ANZ for processing but have not cleared as yet.

• This list of outstanding authorisations will only include VISA transactions which have not been fully processed by ANZ.
• It will not detail any non VISA transactions or any fees or charges applied to your account.

Sometimes the merchant/payee involved in a transaction may obtain authorisation before the transaction is completed.

• In these cases the authorisation is for the purpose of establishing that there are sufficient funds available in the account for the transaction.
• Once the authorisation is obtained your everyday bank account available funds will be reduced accordingly.
• After this point the merchant has six bank business days to finalise the transaction.
• When the merchant finalises the transaction/payment and ANZ processes it, the debited amount will be reflected in your transaction list.

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"Recent transactions" are transactions that have been received by ANZ for processing recently. 

• A maximum of 50 transactions can be viewed, and the order they appear in is determined by when the transactions were processed by the bank.
• These transactions may include outstanding authorisations that have not cleared yet. 
• Any transaction completed after the cut-off time, on public holidays or weekends will also shown display as an unprocessed transaction under the "Recent transactions" - once processed it will move to the transaction list.

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The transactions tab shows the list of transactions carried out on a particular account for the date range selected. It lists the date a transaction was processed, description for that transaction, the debit or the credit amount and the balance after that transaction.

• For credit card accounts and loan accounts, the transaction history page does not include the balance column.

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Current balance

The current balance incorporates all transactions that have been processed to the account.

• It may include funds which have been deposited but not yet cleared and therefore are not available for withdrawal.
• Likewise it may not show recently withdrawn funds until they have been fully processed.

Available funds

Available funds are the total amount available for withdrawal from your account. 

• It will include account specific items such as withdrawal limits, credit limits, redraw and overdraft facilities.
• It will also include the recent transactions that are in the process of being posted to your credit card or visa debit account.
• It will not include funds that are currently held in an ANZ Term Deposit, as these funds are usually unavailable until investment maturity.
• It will not include all funds that have been deposited but not yet cleared, such as cheques waiting for clearance.

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You can download the transaction history for your accounts for up to 120 days (V2 Plus: 90 days only) via the "Download Transaction History" link on the "View Accounts" page. This link is located under the account list.

• Find out more about downloading transactions

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The "Download Transaction History" page allows you to download transaction data directly to a software package of your choice if applicable:

• Quicken
• Microsoft Money
• MYOB
• Agrimaster
• Phoenix Gateway

However, if you do not have one of these software packages, you may still download the transactions to your computer as CSV text file. This file can be opened by a plain text editor like notepad or Microsoft Excel.

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ANZ Internet Banking allows you to download certain information to your computer, including transaction histories, cheque reconciliation details, Operator activity logs or direct debit returned items (eligible business customers only).

• When downloading information you choose the file type. The CSV file is the easiest option as it does not require any additional software package.
• CSV stands for Comma Separated Values or Character Separated Values. It saves your information in a basic list separated by commas.

The file can be opened by a plain text editor like notepad or Microsoft Excel.

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For a V2 Plus account, it goes back up to 90 days while for all other accounts you can access them online for up to 120 days. For transactions carried out prior to 120 days check your paper statement or your online statement, if applicable.

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Yes. For a V2 Plus account, you can access transaction history for up to last 90 days while for all other accounts you can access them online for up to last 120 days.

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You can only see transactions for a particular account via your ANZ Internet Banking. To view a full statement of your accounts, you will need to refer to your paper statements or online statements.

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No. Once the transaction is processed to your account, you cannot cancel or delete the transaction. However, you may lodge a transaction dispute if applicable.

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