Glossary of terms

ABA file

ABA stands for Australian Banking Association.

  • Most accounting and payroll software packages enable you to create .aba files, which consist of payment details.
  • When ANZ Internet Banking for Business customers use ANZ Internet Banking to set up multiple Pay Anyone payments, payroll payments or direct debits they can import .aba files to populate payment details for their convenience.

Ask your accountant for more information about how to create .aba files.

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ABN number

Your ABN or Australian Business Number is the number assigned to your business when you register it with the Australian Business Register. When registering for ANZ Internet Banking for Business you'll need to include your ABN number so that we can verify your business details.

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Access CRN

If you are an ANZ Internet Banking for Business Administrator and/or Authoriser with multiple CRNs you can log on using an Access CRN, which allows you to access your multiple CRNs in one ANZ Internet Banking session.

  • Once logged on with your Access CRN you can then switch between different CRNs linked to different entities/businesses/personal accounts.
  • This switching is done via a drop down list in the top right corner.

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Account number

Your account number is the identification number associated with your account. Every account has one.

  • When you first link an account to ANZ Internet Banking you will need your account number.
  • You can call the ANZ Internet Banking team on 13 33 50 (International callers: +61 3 9683 8833) 24 hours a day, seven days a week or go to any ANZ branch to get this information.

Once you have linked your account to ANZ Internet Banking you can find your account number on the &quotView Accounts&quot screen, under the &quotAccount Number&quot column.  The first 6 digits are your BSB number, followed by your 9 digit account number.

When making Pay Anyone payments you will need the account number of the recipient, which only the recipient can provide you.

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Account options

On the "View accounts" landing page within ANZ Internet Banking you will sometimes see an "Account options" heading on the right of the table.

  • This displays account options and product offers we think might interest you, relevant to the account they appear beside. For example you may see the ANZ Redraw option beside your home loan.
  • You can click on the link to find out more about the product or service.
  • For some offers you can choose to proceed with or decline the offer. If this is the case, after you accept or decline an offer it will not appear again.

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ACN number

Your ACN or Australian Company Number is the number assigned to your company when you register it with the Australian Securities and Investments Commission (ASIC). When registering for ANZ Internet Banking for Business you'll need to include your ACN number so that we can verify your company details.

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Action number

Every time you request a Pay Anyone daily limit that is more than $1,000 you will be issued an action number.

  • You will receive this action number by postal mail.
  • It's a security measure that confirms your identity for us.
  • It expires after 28 days from the date of your application so be sure to use it within this time frame.

What do I do with my action number?

This depends on the daily limit you have chosen:

Daily limit of $5,000
  • If you requested a daily limit of $5,000 you can enter your action number on:
    • the "Pay Anyone access" page if you are registering for Pay Anyone or
    • the "Change my Pay Anyone access" page if you are changing your existing limit.
  • After you successfully submit the action number your requested daily limit will be available once you log off ANZ Internet Banking and log on again.

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Daily limit of $10,000 or more
  • When you receive your action number for a daily limit of $10,000 or more, call the ANZ Internet Banking team on 13 33 50 (International callers: +61 3 9638 8833) 24 hours a day, seven days a week.
  • We will validate your action number over the phone and the limit will be available once you log off ANZ Internet Banking and log on again.
  • If you are an ANZ Internet Banking for Business customer contact the ANZ Internet Banking for Business team on 1800 269 242 between 8.00am and 8.00pm (AEST), Monday to Friday to activate your limit.

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Administrator

The Administrator is an ANZ Internet Banking for Business user who has the highest level of access. They control access of other users, known as Operators and Authorisers. They can control Operator users via the Manage Operators function.

To make changes to an Authoriser's access, the Administrator must fill in the following form and send it back to the return address or fax number outlined in the form:

In order to be added as an Administrator for accounts the user will need to have been a signatory on those accounts prior to registering for ANZ Internet Banking for Business.

In addition to regular transactions, an Administrator can:

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Authorisation period for transactions

  • The authorisation period applies only to ANZ Internet Banking for Business transactions.
  • When an Operator user performs certain transactions they must submit them for authorisation to a signatory user.
  • The signatory user must authorise these transactions within the authorisation period, which is specified at registration.
  • This period can be anything from seven to 31 days.

To change your transaction authorisation period you can contact your ANZ Relationship manager.

Please note that when transferring funds overseas the authorisation period is always 24 hours. This is to avoid discrepancies in amounts being sent due to fluctuating exchange rates.

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Authoriser

The Authoriser is an ANZ Internet Banking for Business user who, in addition to transacting online, can also authorise transactions submitted to them for approval by other users.

In order to be added as an Authoriser for accounts the user will need to have been a signatory on those accounts prior to registering for ANZ Internet Banking for Business.

To make changes to an Authoriser's access, the Administrator must fill in the following form and send it back to the return address or fax number outlined in the form:

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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.

  • ANZ Online Investment account available funds

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Balance restricted

  • If your account balance is shown as restricted, this means that your account is linked to ANZ Internet Banking with "credit only" access.
  • To find out more about why it is restricted call the ANZ Internet Banking team on 13 33 50 (International callers: +61 3 9683 8833) 24 hours a day, seven days a week.

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Bank business days

Bank business days are any day from Monday to Friday 9am to 5pm Australian Eastern Standard Time (AEST), when ANZ is open for business in at least one of its branch locations in Australia.

For example if you order travellers' cheques on a Wednesday to be picked up four bank business days after the request is submitted, you'll be able to pick them up the following Tuesday.

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BPAY® reference number

  • Your BPAY® reference number is a unique customer number assigned to you by your BPAY® biller.
  • It can be found in the payment section of your bill where the BPAY® biller code is displayed.

You'll need your BPAY® reference number in order to pay BPAY® bills and to register to receive online bills.

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BPAY® biller code

The BPAY® biller code is the unique number associated with an official BPAY® biller. You can find the BPAY® biller code on the payment section of your bill.

Some billers will have multiple codes for their different entities e.g. Telstra.

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BSB number

BSB stands for bank, state and branch number. It identifies the bank, branch and state in which you opened your account.

On your ANZ Internet Banking "View Accounts" screen, under the "Account Number" column, the first 6 digits are your BSB number followed by your 9 digit account number.

To transfer money to another person's account you will need to know their BSB number.

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Cash advance

Cash advance is the process of borrowing a certain amount of money that you will pay back at a pre-determined time. The use of your ANZ Credit Card for such transactions as "Transfer between my accounts", "Pay Anyone" and "Pay BPAY® bills" is treated as a cash advance.

As such, interest is accrued immediately at a higher rate than normal. Fees may also apply:

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Cookies

A cookie (also known as a tracking cookie, browser cookie or HTTP cookie) is a small piece of text stored on your computer by a web browser. Cookies can be used in a variety of ways to give you the best website experience.

You may need to have cookies enabled in order to access certain functions within ANZ Internet Banking. Sometimes it is necessary to clear old cookies from your browser in order for web applications like ANZ Internet Banking to function correctly.

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Chinese identification number

A payment to China in Chinese Yuan currency is available for person to person payments only.

  • Payments sent from business or corporate accounts in Chinese Yuan will not be processed due to Chinese banking regulatory requirements.
  • All payments to China in Chinese Yuan currency which exceed the equivalent of $10,000 USD in value require an online indemnity/declaration form to be completed declaring the source of funds. This is also in keeping with Chinese banking regulatory requirements.
  • All payments to China in Chinese Yuan currency also require the Chinese Identification Card Number of the recipient (beneficiary).
  • This is an 18 digit number that the recipient should provide you with.

To avoid payment cancellation or rejection please ensure all transfers are person to person payments only and that any applicable online indemnity/declaration forms are completed.

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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.

  • ANZ Online Investment account current balances

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CRN

Your CRN or Customer Registration Number is the number that identifies you as an ANZ Internet Banking customer. 

This may be a nine digit number provided to you by an ANZ Customer Service Consultant. It may also be your 15 or 16 digit card number. You'll need to use it to register for ANZ Internet Banking and every time you log on to ANZ Internet Banking.

Lost or don’t know your CRN?
Please contact ANZ Internet Banking team on 13 33 50 (International callers: +61 3 9683 8833) 24 hours a day, seven days a week to confirm your CRN. 

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CSV file

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 (business customers).

  • When downloading information you choose the file type. The CSV file is the easiest option as it does not require any additional software.
  • 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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Daily limit for Pay Anyone

Our Pay Anyone service is subject to a daily limit, which is the maximum amount you can transfer per day. It applies to Pay Anyone, international services, payroll payments, the purchase of bank cheques and online charity donations.

Your daily limit is chosen when you register for Pay Anyone and can be changed any time via the "Update details" menu.

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Direct debit return codes

Direct debits are relevant only for ANZ Internet Banking for Business customers. If a direct debit is unsuccessful it will appear in your returned items list.

  • When viewing the details of a returned item a return code is displayed.
  • Each return code corresponds to a return reason.
Return codes and corresponding reasons
Use the table below to check return codes and reasons.
Return code Return reason
1 Invalid BSB number
2 Payment stopped
3 Account closed
4 Customer deceased
5 No account or incorrect account number
6 Refer to customer
7 Not Applicable (NA)
8 Invalid user ID number
9 Technically invalid

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EFT code (tax payments)

  • An EFT code or Electronic Funds Transfer code is needed for making tax payments.
  • The EFT code can be located directly above the bar code on your tax statement or may be sent to you separately.

If you cannot locate your EFT code, contact the Australian Taxation Office.

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Funding account name

The funding account name is the name of the account from which your international payment will be debited (funded). If the payment is being debited from your account this will be your name. If the payment is being debited from either a joint account or an account held by another person or organisation, this will be the joint account name or the other person or organisation name.

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GST

GST stands for goods and services tax.

If a business customer pays fees for their ANZ Internet Banking for Business service and those fees are subject to GST, the customer can view a tax invoice for the fees to see how much GST was applicable.

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IBAN

IBAN stands for International Bank Account Number.

  • It is used for international payments to countries in the European Union and some other countries.
  • IBANs start with a two letter country code and contain between 15 and 34 letters and numbers in total.
  • The length of an IBAN will differ depending on the country of the recipient (beneficiary). The IBAN should be presented as a continuous string of alphanumeric characters i.e. GB29NWBK60161331926819 with no spaces.
IBAN example formats
Please ensure that the IBAN you use corresponds in length to the format specified for the country here:
Country IBAN character length Example Format
Austria 20 At611904300234573201
Belgium 16 Be62590012345610
Bulgaria 22 BG80BNBG96611020345678
Croatia 21 Hr1210010051863000160
Cyprus 28 Cy17002001280000001200527600
Czech republic 24 Cz6508000000192000145399
Denmark 18 Dk5000400440116243
Estonia 20 EE382200221020145685
Finland 18 Fi2112345600000785
France 27 Fr1420041010050500013m02606
Germany 22 De89370400440532013000
Greece 27 Gr1601101250000000012300695
Hungary 28 Hu42117730161111101800000000
Ireland 22 Ie29aibk93115312345678
Israel 23 Il620108000000099999999
Italy 27 It21s05428016000abcd45ze345
Latvia 21 LV80BANK0000435195001
Lebanon 28 Lb62099900000001001901229114
Lithuania 20 LT121000011101001000
Luxembourg 20 LU280019400644750000
Macedonia 19 Mk07250120000058984
Malta 31 MT84MALT011000012345MTLCAST001S
Monaco 27 Mc5813488000010055865001669
Montenegro 22 Me25505000012345678951
Netherlands 18 Nl91ABNA0417164300
New Caledonia 27 Fr1420041010050500013m02606
Norway 15 No9386011117947
Poland 28 Pl60102010260000042270221111
Portugal 25 Pt50000201231234567890154
Romania 24 Ro49aaaa1b31007593840000
Saudi Arabia 24 Sa7326000560100161137930
Serbia 22 Rs73260005601001611379
Slovakia 24 Sk3112000000198742637541
Slovenia 19 SI56191000000123438
Spain 24 Es9121000418450200051332
Sweden 24 Se3550000000054910000003
Switzerland 21 Ch9300762011623852957
Turkey 26 Tr330006100519786457841326
United Kingdom 22 Gb29nwbk60163319268192

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Important notes about IBANs
  • ANZ does not have authority to change or amend an IBAN, so please ensure you have the correct details before sending your payment.
  • For the beneficiary country of United Kingdom (UK) you can use either a sort code and account number or IBAN.
  • All other destination countries that are not listed in the table above will require an account number. Please ensure you have the correct branch number and/or account number for the country and bank of the recipient (beneficiary).

ANZ does not have authority to change or amend an account number, so please ensure you have the correct details before sending your payment.

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Internet Banking for Business

ANZ Internet Banking for Business is a service offered to business customers. It offers such features as:

To access these features you must register for ANZ Internet Banking for Business. Please note that a fee applies.

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Investment units

If you have an investment account your money is made up of investment units. Each unit has a value known as the unit price, which is variable depending on the market price of the fund you have invested in.

  • So if the unit price was valued at $100 on a given day and you have an investment of 10 units your total investment amount would be $1000.

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JavaScript enabled

JavaScript is a programming language that is often used to enable a new window or pop-up on a website. It can be enabled or disabled on web browsers.

  • If JavaScript is disabled you will be unable to open a new window on your browser.
  • This will mean you might not be able to log on to ANZ Internet Banking as the log on box opens in a new window.
  • Within ANZ Internet Banking some functions such as viewing an online statement or viewing a detailed bill, which involve a new window opening, will be blocked if you have JavaScript disabled.
  • Find out how to enable JavaScript

If you use Internet Explorer the same problem will occur if you have enabled a pop-up blocker.

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Lodgement number

The lodgement number is your confirmation that your payment or transfer has been lodged for processing.

  • The time it takes for the payee's account to be credited will depend on the policy and systems of the payee's bank.
  • You should include the lodgement number and the receipt number when sending an enquiry about a transaction via SecureMail.

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Operator ID

An Operator is an ANZ Internet Banking for Business customer whose access to ANZ Internet Banking is controlled by their relevant Administrator.

  • Each Operator has their own ID assigned to them by their Administrator.
  • This ID must be used to log on to ANZ Internet Banking.

If you cannot remember your Operator ID please contact your Administrator for help.

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Outstanding authorisations

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 moved to the "Processed" transaction list of your "Transaction history".

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Password tips

Your ANZ Internet Banking password should fulfil the following requirements:

  • Your password must be 8 to 16 characters, with at least one number.
  • We recommend using both upper and lower case letters.
  • Do not use spaces.
  • Please do not use your birth date, repetitive or sequential numbers or a recognisable part of your name as a password, otherwise you may be liable for any loss suffered from an unauthorised transaction.
Password security

To keep your ANZ Internet Banking password safe, we recommend the following:

  • Choose a password you'll easily remember that will not be obvious to others or based on easily accessible personal information (such as family, street names or birth dates).
  • Change your password regularly, preferably every 30 days.
  • When changing passwords do not re-use a previous password for 13 consecutive changes.
  • Ensure new passwords are significantly different from previous ones.
  • Passwords must be kept confidential and should not be shared or revealed to anyone.
  • If you are going to be away from your computer for periods of time make sure you log off ANZ Internet Banking completely, so your account information can not be viewed by others.
  • Each time you log on to ANZ Internet Banking, we will display the time of your previous log on. Take note of this and if anything seems out of the ordinary, call the ANZ Internet Banking team on 13 33 50 (International callers: +61 3 9683 8833) 24 hours a day, seven days a week.
  • Your ANZ Internet Banking session can remain unattended for a maximum of 15 minutes. After this time, the system automatically logs off and ends your session.

What if someone discovers my password?

  • If you are concerned that an unauthorised person knows your ANZ Internet Banking password please call the ANZ Internet Banking team immediately on 13 33 50 (International callers: +61 3 9683 8833) 24 hours a day, seven days a week.

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Pop-up blockers

A pop-up blocker is a built-in component on web browsers, which is used to block a new window or pop-up opening while browsing the web.

Pop-up blockers:

  • are intended to stop unwanted advertising or spam pop-ups
  • will generally only block pop-up windows that result without any action (i.e. without you clicking a link).

If you are concerned about your pop-up blocker interfering with your ANZ Internet Banking experience you can change your browser pop-up settings.

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Prime loan payments

The "prime" loan payment acts as the primary loan repayment method and is usually set up at the time you receive the loan.

  • The prime payment will have a minimum payment amount associated with it.
  • You must pay at least the minimum amount at each set interval.
  • Your prime payment will also automatically increase if the minimum loan payment amount increases.

Using direct loan payments on ANZ Internet Banking you can:

  • set up new prime payments (only where the prime payment method was not previously set up).
  • request to increase the prime payment amount for existing payments.

You cannot use ANZ Internet Banking to:

  • reduce the prime payment to less than the minimum payment amount.
  • change the frequency of payments.

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Receipt number

The receipt number is your confirmation that your payment or transfer has been lodged for processing.

  • The time it takes for the payee's account to be credited will depend on the policy and systems of the payee's bank.
  • You should include both the receipt number and the lodgement number when sending us a SecureMail query about a transaction.

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Recent transactions

Recent transactions are transactions that appear in your "Transaction history" list that have been received by ANZ for processing recently.

  • Any transaction completed after the cut-off time, on public holidays or weekends will be shown as an unprocessed transaction under the "Recent" transaction list.  Once processed, it will move to the "Processed" transaction list.
  • Recent transactions may include outstanding authorisations that have not cleared yet.

Please note: Transactions on your credit card will not appear on your "Transaction history" page until they have been processed.

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SecureMail

SecureMail is a secure messaging service within ANZ Internet Banking which you can use to contact us.

SecureMail is only available from within ANZ Internet Banking, and is therefore protected by the same security measures as ANZ Internet Banking. When you send us a SecureMail we will respond to you within 24-48 hours.

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SSL certificate issues

SSL certificates (Secure Sockets Layer) provides security for communications over the Internet. Sometimes the SSL settings on your computer may need to be adjusted to ensure they are not interfering with your ANZ Internet Banking session.

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SWIFT/BIC code

SWIFT stands for Society for Worldwide Interbank Financial Telecommunication and BIC stands for Bank Identifier Code. Together they make up the 8-11 character identification code of a bank or financial institution.

  • When sending a payment overseas the SWIFT/BIC code helps us identify the receiving (beneficiary) bank or financial institution (it is not obligatory but we strongly recommend you include it).
  • Please make sure that you use an active SWIFT/BIC code.
  • ANZ Australia's SWIFT/BIC code is ANZBAU3M.

If you require assistance or information on SWIFT/BIC code formats please call the ANZ International Services team on 1800 681 683 (toll free) (International callers: +61 3 9277 2499).

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Telecode

The Telecode is a 4-7 digit number which works in a similar way to a Personal Identification Number (PIN). This may be your existing ANZ Phone Banking Telecode.

If you haven't been supplied a Telecode by an ANZ Customer Service Consultant or have forgotten your Telecode please call the ANZ Internet Banking team on 13 33 50 (International callers: +61 3 9683 8833) 24 hours a day, seven days a week.

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Terms and conditions for ANZ Internet Banking

At different stages you'll be asked to read and accept the ANZ Internet Banking terms and conditions, such as when you register for international services, or when you transfer funds overseas.

Terms and conditions for ANZ Internet Banking are now incorporated within the Electronic Banking Conditions of Use document (EBCU) which is contained in the Product Disclosure Statement for your product.

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TTY

TTY also known as teletype or textphone is the method used by many people with hearing or speech impairments to communicate by phone.

  • If you have speech or hearing difficulties and need to call the ANZ Internet Banking team use our TTY service by calling 1300 366 255.

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Unit price

The unit price is the estimated dollar value of one investment unit, based on the closing market price from the previous trading day of the Indexed Fund, to which your investment is linked. As such, it serves as only an estimate and may not represent the current value of your investment.

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