Glossary of terms
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 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.
- Import a payment file for payroll payments
- Import a payment file for multiple Pay Anyone payments
- Import a payment file for direct debits
Your ABN or Australian Business Number is the number assigned to your business when you register it with the Australian Business Register. If registering for ANZ Internet Banking for Business you'll need to include your ABN number so that we can verify your business details.
If you are an ANZ Internet Banking for Business Administrator and/or Authoriser with multiple Customer Registration Numbers you can log on using an Access CRN, which allows you to access your multiple CRNs in one ANZ Internet Banking for Business 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.
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 or ANZ Internet Banking for Business you will need your account number.
- You can call the ANZ Internet Banking Helpdesk 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 or ANZ Internet Banking for Business you can find your account number on the "Account overview" screen, under the "Details" tab. 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.
On the home page within ANZ Internet Banking or ANZ Internet Banking for Business you will sometimes see "Account Options" with your accounts.
- This displays account options and product offers we think might interest you, relevant to the account they appear below. For example you may see the ANZ Redraw option below your home loan
- You can select 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.
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 so that we can verify your company details.
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 tasks such as making payments, an Administrator can:
If an Administrator wants to configure user access to “Anyone to sign” accounts, this can be completed using the Manage Users function in ANZ Internet Banking. Otherwise, an Administrator can complete the following form and send it back to the return address/fax number outlined in the form:
ANZ Shield is a free security app for Android and iPhone. With ANZ Shield you can generate a one time passcode, known as a Shield Code.
You're eligible to register for ANZ Shield if you:
- Are a personal or business customer using ANZ Internet Banking
- Have an iPhone running iOS 5.0 or above
- Have an Android phone running Android 2.2 (Froyo) or above.
For more information visit ANZ Shield.
- 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 signatory must complete the authorisation by 11.59pm Melbourne time the same day the transfer is lodged.
An Authoriser is an ANZ Internet Banking for Business user who, in addition to regular tasks such as making payments, 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.
Available funds is the total amount which may be available for withdrawal from your accounts.
- It may include account specific items such as withdrawal limits, credit limits, overdraft facilities and redraw
- 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
What is redraw and how can it be useful?
Redraw is the amount of any early or additional repayments you have made to your eligible loan for which ANZ Redraw is available, subject to the terms and conditions of your loan.
Redraw can be useful for home improvements, holidays, car purchase, school fees, unexpected expenses or other reasons where you may need to use any funds you have paid in advance.
After redrawing funds, it reduces the amount that you are paid in advance and available for redraw in future.
Redraw is subject to the terms and conditions of your loan. Please refer to the Consumer Lending Terms and Conditions. There is currently no minimum Redraw amount for eligible Home Loans and Residential Investment Loans.
- If your account balance is shown as restricted, this means that your account is linked to ANZ Internet Banking or ANZ Internet Banking for Business with "credit only" access
- To find out more about why it is restricted call the ANZ Internet Banking Helpdesk on 13 33 50 (International callers: +61 3 9683 8833) 24 hours a day, seven days a week.
Bank business days are any day from Monday to Friday 9am to 5pm Australian Eastern Standard Time Melbourne time, 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.
This is the primary method of repaying your loan. A schedule of payments is created to ensure regular repayments are made.
- The Bank Managed Payment will have a minimum payment amount associated with it
- Your Bank Managed Payment will automatically increase if the minimum loan payment amount increases (eg. if the interest rate increases)
Find out more about direct loan payments:
- 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.
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.
- Add a BPAY® biller to my list
- Pay BPAY® bills
- View online bills
- Add a biller to my BPAY View™ biller list
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 or ANZ Internet Banking for Business "Account Overview" screen, on the "Details" tab, you'll find your BSB and account number.
To transfer money to another person's account you will need to know their BSB number.
A Branch number is used to identify an individual branch of a financial institution. For the following countries, instead of a SWIFT/BIC code, you may provide a Branch number which is also known as NCC (National Clearing Code), routing number or Bank Code:
- South Africa
- United Kingdom
- United States of America
United States of America
A Branch number can be entered as a Fedwire (Federal Reserve Wire Network) or a CHIPS (Clearing House Interbank Payments System) number.
The Branch number is also known as the IFSC (Indian Financial System Code).
United Kingdom and Ireland
A sort code is the name used for Branch number in the British and Irish banking industry. In Ireland it is also known as the NSC (National Sort Code).
All other destination countries will accept a SWIFT/BIC code.Additionally, some countries will require IBAN. Always quote what is specific to the branch where the beneficiary’s account is held. Where a country accepts a Branch number, the SWIFT/BIC code is never used with the Branch number at the same time.
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® bill" is treated as a cash advance.
As such, interest is accrued immediately at a higher rate than normal. Fees may also apply:
When you first register for ANZ Internet Banking, you will need to establish your Challenge Questions and answers. Challenge questions are a security feature that adds an extra level of protection. They're three questions from a predefined list that you set up with your own personal answers.
If you’re not registered for our free security app ANZ Shield, you'll be prompted with your challenge questions when performing certain "risky" activities within ANZ Internet Banking, such as adding a new biller, or updating your mobile number.
Please follow these recommendations when setting up your challenge questions:
- Choose questions that are personal to you, ones that only you know the answers to and that aren’t easily guessed
- Your answer should be one you will easily remember in the future
- You cannot use the same answer for all three questions
- Answers are not case sensitive
- Be aware of spelling when typing answers - if there is a mistake it might contradict the answer you provide when the question is presented in the future
- Your challenge questions and answers are like a PIN or password. You should keep these secret and not disclose them to anyone. Don’t write them down or record them anywhere. If you don’t follow these instructions, you may be liable for any loss arising from an unauthorised transaction.
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.
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
ANZ Internet Banking and ANZ Internet Banking for Business allow 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.
- Download my transactions
- Download cheque reconciliation details
- Download operator activity logs
- Download direct debit returned items
Your CRN or Customer Registration Number is the number that identifies you as an ANZ Internet Banking or ANZ Internet Banking for Business 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 and every time you log on to ANZ Internet Banking or ANZ Internet Banking for Business.
Lost or don’t know your CRN?
Please 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 confirm your CRN.
- Register for ANZ Internet Banking
- Log on to ANZ Internet Banking
- Register for ANZ Internet Banking for Business
- Log on to ANZ Internet Banking for Business
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.
These settings are for application developers and are not directly accessible in the Settings menu on all Android devices. In order to use ANZ Shield your Developer Settings must be disabled. For assistance in locating and changing these settings please refer to the user guide for your device.
Refer to Developer Settings.
Direct debits are relevant only for Small Business and 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.
- 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.
Where International Money Transfers involve two currencies, this is expressed as the price of a unit of domestic currency in terms of the foreign currency.
Daily rates are provided and fixed at the start of the day until refreshed the next Business day. These rates are used in the following functions:
Dynamic rates are provided real time, changing constantly to reflect the movements of demand and supply in the FX market. It allows ANZ to be more competitive for International Money Transfers processed via ANZ Internet Banking.
For ANZ Internet Banking for Business customers, all rates retrieved prior to the Final authoriser are indicative. What is retrieved by the Final authoriser is the effective rate, and expires in 10 minutes.
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.
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.
IBAN stands for International Bank Account Number.
- The destination countries where IBAN is mandatory for international payments are listed under IBAN country formats below.
- 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 country formats|
Please ensure that the IBAN you enter corresponds to the format specific to the country as follows:
|Important notes about IBANs|
ANZ does not have authority to change or amend an account number, so please ensure you have the correct details before sending your payment.
ANZ Internet Banking for Business is a service offered to business customers. It offers such features as:
- higher daily limits (up to $1,000,000)
- the ability for multiple users (Operators, Authorisers and Administrators) to access and transact on the same accounts online with an authorisation process in place
- the ability to manage Users user access
- creation of direct debits
- use of payment templates for multiple payments
- added security by way of a Security Device.
To access these features you must register for ANZ Internet Banking for Business. Please note that a fee applies.
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.
- 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
If you use Internet Explorer the same problem will occur if you have enabled a pop-up blocker.
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.
An Operator is an ANZ Internet Banking for Business customer whose access to ANZ Internet Banking for Business is controlled by their relevant Administrator.If granted access, Operators can set up a payment, but require Administrators or Authorisers for the payment to be approved.
- Each Operator has their own ID assigned to them by their Administrator.
- This ID must be used to log on to ANZ Internet Banking for Business.
- The Operator ID is between 3-10 characters in length, composed of alphanumeric characters only and contains no spaces.
If you cannot remember your Operator ID please contact your Administrator for help.
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" section of your "Transaction history".
Your ANZ Internet Banking and ANZ Internet Banking for Business passwords 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 or special characters (@!#$%^&*)
- 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.
To keep your ANZ Internet Banking and ANZ Internet Banking for Business passwords safe, we recommend the following:
What if someone discovers my password?
- Register for ANZ Internet Banking
- Register for ANZ Internet Banking for Business
- Change my ANZ Internet Banking password
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.
- 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.
Push notifications are used by apps to alert users to content updates, messages, and other events within an app. Push notifications are required to be enabled on your registered phone when registering using ANZ Shield.
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.
Recent transactions are transactions that appear in your "Transactions" tab 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" section of the transaction history. Once processed, it will move to the "Processed" section.
- Recent transactions may include outstanding authorisations that have not cleared yet.
Please note: Transactions on your credit card will not appear on your "Transactions" tab until they have been processed.
SecureMail is a secure messaging service within ANZ Internet Banking and ANZ Internet Banking for Business which you can use to contact us.
SecureMail is only available from within ANZ Internet Banking and ANZ Internet Banking for Business, and is therefore protected by the same security measures. When you send us a SecureMail we will respond to you within 24-48 hours.
The ANZ Security Device is a key ring sized electronic token that displays a Security Code, which is required to authorise value transactions to third party accounts. A different Security Code is displayed every 60 seconds.
For more information visit ANZ Shield.
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.
Find out how to adjust your SSL and other browser settings:
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 you send a payment overseas, the SWIFT/BIC code is mandatory and identifies the beneficiary (receiving) bank or financial institution
- Some countries will allow the option to enter a Branch number or a SWIFT/BIC code
- ANZ Australia's SWIFT/BIC code is ANZBAU3M.
A Telecode (also known as a Phone Banking PIN) is a four to seven digit number, which can be used for ANZ Phone Banking.
If you haven't been supplied a Telecode/Phone Banking PIN by an ANZ Customer Service Consultant or have forgotten it, 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.
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.
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 Helpdesk use our TTY service by calling 1300 366 255.
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.
This toggle feature appears on the home page, and some of the payment pages. It is represented by the following icon:
The image on the left represents “Tile” view. If this is selected, depending on your screen and browser window size, the information may be shown in a multi-column layout. You can view from left-to-right, top-to-bottom.
The image on the right represents “List” view. If this is selected, the information will always display in a single column layout and resembles the more traditional view.
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