View my balances

On the "View Accounts" page all of your linked accounts are displayed. The balance for each account is also displayed under the "Current balance" and "Available funds" headings. The two figures are sometimes different from one another depending on what transactions may be pending for your account.

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  • Likewise it may not show recently withdrawn funds until they have been fully processed.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

Please see below for examples and explanations as to why current balance and available funds differ.

Current balance greater than available funds example

Mary has $200 in her account. She spends $200 in a department store at 6.00pm, emptying her account. She checks her ANZ Internet Banking at 8.00pm. Her available funds are $0 but her current balance is still $200.

Why is the current balance greater than the available funds?

  • Mary's $200 has left her account and won't be available for withdrawal, as reflected in her available funds.
  • The transaction has not been fully finalised by the merchant so her current balance is still $200. She cannot withdraw this $200 as her available funds are $0. The current balance will be updated to reflect the available funds once the transaction is finalised.
Current balance less than available funds example

Pat receives $100 into his bank account at 6.00pm. He views his ANZ Internet Banking at 8.00pm and notices that his current balance is $100 less than his available funds.

Why is the current balance less than the available funds?

  • The money has been deposited into Pat's account and is available to withdraw, as reflected in his available funds.
  • The current balance will be updated to reflect the available funds once the transaction is finalised.

Need more help?

Use our faqs to find out more about viewing your balances.

What is the difference between my current balance and available funds?

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.
What are the "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 reflected in your transaction list.
What are the "Recent transactions"?

"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.
What else can I do on the "View Accounts" page?

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.
How can I see my full statement?

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.

How long do my transactions stay on ANZ Internet Banking?

For a V2 Plus account, the transaction stays in ANZ Internet Banking for up to 90 days while for all other accounts, you can access the transactions online for up to 120 days.

Can I delete transactions?

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.

Where can I view my ANZ Credit Card statement?

If you have registered your ANZ Credit Card for online statements you may view these statements under the "View Online Statements" link under the "Accounts" menu.

If you have not yet registered for online statements, you may still view the current incomplete statement and the last three statements through the "Card Statement" tab located on the "Account Overview" page for your ANZ Credit Card.

Need more help?

For further assistance 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.