Make a Pay Anyone payment

Making a Pay Anyone payment is easy.

  • Go to the "Pay and Transfer" menu.
  • Select "Pay Anyone" and follow the steps below.

If you are an ANZ Internet Banking for Business customer:

  • Go to the "Pay and Transfer" menu.
  • Select "Pay Anyone".
  • Click the "Create a new single Pay Anyone transfer" radio button.
  • Click "Continue" and follow the steps below.
Step 1 - Enter your "From account" details

From: select the ANZ account you wish to make your payment from. The drop down list displays all of your ANZ accounts that you have linked to ANZ Internet Banking.

Your/Business name: fill in either your own name or the name of your business if appropriate.

  • This will appear on the payee's statement so make sure the text makes your identity clear to the payee. This must only contain letters, hyphens and spaces (no special characters eg. _/@#%^*).
  • You can enter a maximum of 16 characters.
Step 2 - Enter the payee account details

The payee can be selected or entered in the "Payment details" section of the page. You can choose between two options.

Option 1 - Select an existing payee from the "To" drop down list
  • Use this option if you've previously saved the payee's information and the details have not changed.
  • You don't need to re-save their details if they are already in your payee list, so ensure the "Add this payee to my 'Pay Anyone Payees list'" box is left unchecked.
Option 2 - Enter details for a new payee
  • If you are paying a new payee enter their account details including BSB number (six digit number), account number and account name.

If you plan to save this payee in your payee list enter a description of the payee. This will help you identify the payee for future payment.

  • Save the payee: check the "Add this payee to my ‘Pay Anyone Payees list’" box to add the recipient to your "Pay Anyone Payee list".
Step 3 - Enter the payment details

Amount: enter the amount you wish to pay, using a decimal point, if applicable.

Message / Reference: enter a message to appear on the payee's statement. 

  • Make sure the message clearly represents your payment.
  • For example if you are paying a bill you may need to include an invoice number- or perhaps your own name or the name of your business.
Step 4 - Choose your payment schedule

You can choose from a range of options under the "Payment schedule" section to set up your payment.

Option 1 - Create a one-off payment for today
  • Simply select the "Today" option.
Option 2 - Create a one-off payment for a future date
  • Select the "Future date" option
  • Manually enter a date in the textbox, or select a date using the calendar icon.
Option 3 - Create a schedule of regular payments
  • Select the "Recurring" option,
  • Select the "Frequency" of your payments. Options are Daily, Weekly, Fortnightly, Monthly, Quarterly, Semi-annually or Annually.
  • Enter or select a "Start date" using the calendar icon. Your first payment will be made on this date.
  • In the "End date" section, specify when you want the payment schedule to end. The options are:
    • No end date: The payments will continue to be made until you delete the scheduled payments(s).
    • After X payments: Only a specific number of payments will be made.
    • End date:  payments will continue until a specific date
      • Enter or select a date using the calendar icon.

Note: you cannot schedule a payment for more than 10 years from the start date

Step 5- Review your information

Review all your information to ensure it is correct. If information is incorrect it may result in an unsuccessful payment or the wrong payee receiving funds and your funds may not be recovered.

  • If you notice mistakes click "Back" and re-enter the correct details following steps 1-4.
Step 6 - Confirm your payment

When you are happy with the information entered click "Confirm". This will complete the payment and a confirmation message will display.

ANZ Internet Banking for Business Operators can click on the "Request authorisation" button to submit the Pay Anyone payment to the relevant Authoriser for approval.

Step 7 - View your lodgement receipt
  • Your lodgement receipt is displayed to confirm that your payment has been submitted successfully.
  • You will also receive a receipt number when your payment is actually processed
  • This does not mean the payment will be processed successfully as that is dependent on the details you have entered being accurate, and on funds being available for the payment to occur on the set date(s).
  • Please make a note of the receipt number and lodgement number for your own records.
Important notes

When you are transferring money it is your responsibility to ensure the details you provide are correct. 

  • We do not check payment details. If payment details are incorrect it may result in an unsuccessful payment or the wrong payee receiving funds.
  • Future dated payment require cleared funds in your account at prior to 11.59pm (AEST/AEDT) on the day before the scheduled payment date or your payment will be unsuccessful.
  • If you have a query about a Pay Anyone payment you can use the ANZ Internet Banking function  Enquire about a past funds transfer or Pay Anyone payment or call the ANZ Internet Banking Helpdesk on 13 33 50 (International callers: +61 3 9683 8833) 24 hours a day, seven days a week.
How long does it take for money to be transferred?
  • Payments are processed overnight on bank business days. The time that it takes for the payee's account to be credited will vary depending on the policy and systems of the bank the account is held with.
  • Immediate payments submitted before 6.00pm (AEST) on a bank business day are processed on that day.
  • Immediate payments submitted after 6.00pm (AEST) or on weekends or public holidays are processed on the next bank business day.
How to stop recurring or future Pay Anyone payments

You cannot delete immediate payments. However you can stop future or recurring payments if necessary. If you wish to delete a future dated or recurring payment, the request must be lodged with ANZ Internet Banking prior to prior to 11.59pm (AEST/AEDT) the day prior to the payment.

Need more help?

Use our faqs to find out more about making a Pay Anyone payment.

How much can I transfer using Pay Anyone?

There are different limits available to you depending on the type of accounts you have. You need to firstly request for the daily limit and activate it before you can start making payments.

  • Customers with personal accounts may request for $1,000, $5,000 or $10,000. The request for $1,000 will be activated immediately and you can start making payment on the same day.
  • Customers with business accounts may request for $5,000, $10,000, $15,000 or $25,000 as their daily Pay Anyone limit.
  • ANZ Internet Banking for Business customers may request for a daily Pay Anyone limit of up to $1,000,000.
Who can I transfer to?

You can transfer funds from your account to any Australian financial institution (bank, building society, credit union) account.

Can I transfer funds overseas using Pay Anyone?

No. You cannot transfer funds overseas using Pay Anyone. You need to be registered for international services to transfer funds to overseas bank accounts.

Can I transfer funds to a credit card account using Pay Anyone?

No. You cannot use Pay Anyone to transfer funds to a credit card (including your own ANZ Credit Card).

  • To pay your ANZ Credit Card, use the "Pay my ANZ Credit Card" or "Transfer between my accounts" facility located in the "Pay and Transfer" menu. Your credit card will need to be linked to your ANZ Internet Banking.
  • To make payment to a credit card that is not linked to your ANZ Internet Banking, use the "Pay BPAY® Bills" facility located in the "Pay and Transfer" menu.
Can I transfer from my ANZ Credit Card using Pay Anyone?

Yes. You can transfer from an ANZ Credit Card using Pay Anyone. This will be treated as a cash advance and may incur a fee (interest is applicable).

What do I put in the "Your/Business" name field?

You must fill in your name under the "Your/Business name" field.

  • This will appear in the payee's statement.
  • If you are making payment from your business account, you may also fill in your business name.
What if my Pay Anyone payment cannot be processed?

If your Pay Anyone payment cannot be processed, the status will show as "failed" and their will be no receipt number displayed.

  • You can check the details of the payment to check the reason the payment failed.
  • If your Pay Anyone payment fails, the fund will not be deducted from your account.
  • Once you check the reason for the failed payment, you can make necessary changes to make the Pay Anyone payment again.
How can I edit a Pay Anyone payment scheduled for today?

Pay Anyone transfers scheduled for today cannot be cancelled or edited.

  • You can delete, but not edit other scheduled future or recurring payments.
  • You need to delete the future or recurring payments, transfers or bill payments via the "Future Payments/Transfer" page by clicking on the "Immediately Delete Payment/Transfer" link.
  • This will immediately delete the selected future dated or recurring payment.
  • The request must be lodged with ANZ Internet Banking prior to 12.00am (midnight AEST) on the day prior to payment.
  • Once the existing payment is deleted, you can then set up a new payment with the required changes.
Can I skip a recurring Pay Anyone payment?

Yes. You can skip a future payment/transfer or bill payment from a recurring sequence via the "Future Payments/Transfer" page by clicking on the "Skip/Un-skip next Scheduled Transfer" link.

  • This will skip the selected future dated payment.
  • You may click on the same link if you decide to un-skip the scheduled payment.
  • If you wish to skip a transfer, the request must be lodged with ANZ Internet Banking prior to 12.00am (midnight AEST) on the day prior to payment.
How do I delete Pay Anyone payments?

Once the payment is confirmed and is processed using ANZ Internet Banking, the payment cannot be deleted or cancelled.

  • It is your responsibility to ensure that the details provided by you are correct or your payment may be made to an incorrect payee. We do not check that the details provided by you are correct.
  • You may contact the ANZ Internet Banking team on 13 33 50 (International callers: +61 3 9683 8833) 24 hours a day, seven days a week to lodge a Pay Anyone dispute for the transaction.
  • You may also lodge a Pay Anyone dispute using the "SecureMail" menu.
  • It may take up to 6-8 weeks for the resolution of a Pay Anyone dispute.
  • ANZ cannot guarantee that the funds will be repaid to you.
If I enter the wrong details can I get refunded for the payment?

Once the payment is confirmed and is processed via ANZ Internet Banking, the payment cannot be deleted or cancelled.

  • You may contact the ANZ Internet Banking Helpdesk on 13 33 50 (International callers: +61 3 9683 8833) 24 hours a day, seven days a week to lodge a Pay Anyone dispute for the transaction.
  • You may also request it via the "SecureMail" menu.
  • Please be advised that it may take up to 6-8 weeks for the resolution of any Pay Anyone dispute.
  • ANZ cannot guarantee that the funds will be repaid to you.
How long does it take for money to be transferred?
  • Transfers are processed overnight on bank business days. The time that it takes for the payee's account to be credited will vary depending on the policy and systems of the payee's bank.
  • Immediate payments/transfers submitted before 6.00pm (AEST) on a bank business day are processed on that day.
  • Immediate payments/transfers submitted after 6.00pm (AEST) or on weekends or public holidays are processed on the next bank business day.
Important notes
  • It is your responsibility to ensure that the details provided by you are correct or your payment may be made to an incorrect account. We do not check that the details provided by you are correct.
  • Transfers are processed overnight on bank business days. When the payee's account will be credited will depend on the policy and systems of the payee's bank.
  • Immediate payments/transfers submitted before 6.00pm (AEST) on a bank business day are processed on that day, but if submitted after 6.00pm (AEST) or on weekends or public holidays are processed on the next bank business day.
  • You cannot delete or cancel an immediate transfer or a transfer to be processed today.
  • Future-dated payments/transfers require cleared funds in your account at 12.00am (midnight AEST) on the day before the scheduled payment/transfer date or your payment will be unsuccessful.
  • You cannot amend a recurring transfer. You must delete the existing recurring transfer series by selecting the recurring transfer series under the "Future Payments/Transfers" menu and then set up a new recurring transfer series.
  • Transfers from your ANZ Credit Card are treated as a cash advance, this may involve a fee (interest is applicable).

Need more help?

For further assistance please call the ANZ Internet Banking Helpdesk on 13 33 50 (International callers: +61 3 9683 8833) 24 hours a day, seven days a week.