Pay Anyone

"Pay Anyone" is an easy way to transfer money from your account to someone else's account. You can transfer to any Australian Financial Institution (bank, building society, credit union). All you need is the BSB number and account number of the recipient.

Please note you cannot use Pay Anyone to transfer to a credit card account (including your own ANZ Credit Card) or to an international account.

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FAQs

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Use our frequently asked questions to find out more about Pay Anyone.

What is Pay Anyone?

"Pay Anyone" is an easy way to transfer money from your account with ANZ to other accounts. You can transfer to any Australian financial institution (bank, building society, credit union). All you need is the BSB number, account number and account name of the recipient.

Please note you cannot use Pay Anyone to transfer to a credit card account (including your own ANZ Credit Card) or to an international account.

Do I need to register for Pay Anyone?

Yes. You need to register for Pay Anyone facility online and need to activate the daily Pay Anyone limit before you can use Pay Anyone.

What does Pay Anyone cost?

There is no fee/charge for using Pay Anyone. However, if you have used all of your monthly free withdrawals for your account, normal excess transaction fees and government charges may apply.

How do I register for Pay Anyone?
How do I activate my action number?

If the action number is for a daily limit of $5,000, you can activate it online via the "Change my Pay Anyone limit" in the "Profile" menu.

  • If the action number is for more than $5,000, 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 and quote the action number. You will have access to the increased limit next time you log on to ANZ Internet Banking.
  • ANZ Internet Banking for Business customers must contact the ANZ Internet Banking for Business Helpdesk on 1800 269 242 (International callers: +61 3 8699 6906) between 8.00am to 8.00pm Melbourne time, Monday to Friday to activate your limit.
How can I increase my Pay Anyone limit?
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.

If you're not registered for ANZ Shield:

  • 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.

Please note: The $1,000,000 limit requires higher authentication by ANZ and you may be contacted for further information to verify payment details.

If this information cannot be verified, payments may be cancelled

If you're registered for ANZ Shield:

In addition to the daily limits listed above,

  • Customers with personal accounts can get instant access to higher daily Pay Anyone limits of $15,000 or $25,000; and
  • Customers with business accounts can get instant access to a higher daily Pay Anyone limit of $50,000.
Who can I transfer funds to?

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

Can I transfer funds to a non-ANZ account?

Yes. 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 use Pay Anyone to transfer to a credit card account?

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

Can I use Pay Anyone to transfer from my ANZ Credit Card?

Yes. You can transfer funds from an ANZ Credit Card using Pay Anyone. However, 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 details do I need to make a Pay Anyone payment?

If you wish to make a Pay Anyone payment to a different account at ANZ or another financial institution in Australia, you will need the following information:

  • The payee's account number, which is numeric
  • A BSB number that is exactly six digits and identifies the bank and branch of the payee
  • The payee's account name
  • If the account number is incorrect, many institutions will not accept the transfer. ANZ will not check these details.

Please note that you cannot transfer funds to a credit card account using Pay Anyone.

How do I know if my payments are successful?

When you complete a payment, you'll receive a lodgement number and, if successfully submitted, a receipt number.

Alternatively, you can check the status of the payment (including scheduled payments) using the View past payments/transfers function.

What if my Pay Anyone payment cannot be processed?

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

  • You can check the details of the payment to find the reason that the payment failed
  • If your Pay Anyone payment fails, the funds 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 payment from the Manage future payments / transfers function by selecting a payment and then selecting "Delete"
  • This will immediately delete the selected future dated or recurring payment
  • The request must be lodged with ANZ Internet Banking prior to 11.59pm Melbourne time 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 from a recurring sequence if required:

How do I delete Pay Anyone payments?

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

  • If you have a query about a payment or think you may have entered the incorrect payment details, you can enquire about a past funds transfer or Pay Anyone payment
  • 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
  • Please be advised that it may take up to 6-8 weeks for the resolution of any Pay Anyone dispute.

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How long does it take for the recipient to receive my funds?
  • 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 Melbourne time on a bank business day are processed on that day.
  • Immediate payments/transfers submitted after 6.00pm Melbourne time or on weekends or public holidays are processed on the next bank business day.
I have a problem/query about a payment I've made online - what can I do?
  • If you have a query about a payment or think you may have entered the incorrect payment details, you can enquire about a past funds transfer or Pay Anyone payment
  • 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
  • Please be advised that it may take up to 6-8 weeks for the resolution of any Pay Anyone dispute.
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. The time that it takes for the payee's account to be credited will depend on the policy and systems of the payee's bank.
  • Immediate payments/transfers submitted before 6.00pm Melbourne time on a bank business day are processed on that day, but if submitted after 6.00pm Melbourne time 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 11.59pm Melbourne time 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 from the Manage future payments / transfers function 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.

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