Manage my accounts

You can link your accounts to ANZ Internet Banking in one of three ways:

• Use the link my accounts function on ANZ Internet Banking - this will take 24-48 hours.
• Contact the ANZ Internet Banking team on 13 33 50 (International callers: +61 3 9683 8833) 24 hours a day, seven days a week - this will be immediate.
• Visit your nearest ANZ branch - this will be immediate.

If you are an ANZ Internet Banking for Business customer, please download, print, complete and fax the maintenance form to request an account be linked.

• Find out more about managing ANZ Internet Banking for Business access

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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• Likewise it may not show recently withdrawn funds until they have been fully processed.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.

• Find out more about your balances

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The "View Accounts" page allows you to view details of past transactions on your accounts. You can perform the following functions from this page:

• View the current and available balances
• Download transaction history
• Donate to charities
• Rename and reorder account list
• View tax invoice - ANZ Internet Banking for Business customers
• View the account options for the current offers on your existing linked ANZ accounts - for eligible customers.

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

• Help me download my transactions

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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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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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Online statements are only available for certain account types. The following is the list of eligible accounts for online statements:

Eligible accounts for online statements

ANZ Credit Cards	Everyday Banking and Savings accounts
ANZ First Visa ANZ Gold Visa ANZ Low Rate MasterCard ANZ Frequent Flyer Visa ANZ Frequent Flyer Visa Gold ANZ Frequent Flyer Visa Platinum ANZ Rewards Visa ANZ Rewards Visa Gold ANZ Balance Visa ANZ Business One ANZ Visa Debit	ANZ Everyday Visa Debit ANZ Access Select ANZ Access Deeming ANZ Cash Management ANZ Premium Cash Management ANZ Online Saver ANZ Online Investing Account ANZ Access Advantage ANZ Premier Cheque Account Prime Cash Management Account ANZ Progress Saver Account ANZ Progress Home Saver V2 PLUS Access Limited

You can register an ANZ account for online statements if:

• You are the primary cardholder (if it's a consumer credit card)
• You are a signatory (if it's an ANZ Business One Credit Card)
• You do not require more than one signatory to authorise transactions on an account
• You are the sole primary signatory. You cannot register an account for which you are a third party signatory or beneficiary.

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No. It will not cost you anything extra to register for online statements. Once you register for online statements, you will no longer receive paper statements in the post for any registered accounts.

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To add an additional cardholder to your credit card account, you will need to print and complete the "Additional Cardholder Application Form" accessible via the "Add an Additional cardholder to Card" link located on your card account overview page.

• You'll need to return it by post to the address on the form.
• This request can only be made by the primary cardholder and for the personal credit card accounts only.
• If you hold an ANZ Business Credit Card please go to your ANZ Branch.

• Find out more about adding an additional cardholder

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No. An additional cardholder cannot share the same CRN as you. However, they can access the credit card account through their own CRN by linking the additional card to their ANZ Internet Banking CRN.

• Find out how to link an account to ANZ Internet Banking

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The question mark that you can see across your ANZ Internet Banking links to the "Help" section.

• When you click on the question mark, it gives you additional information, step by step instructions and faqs on that particular function.

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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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