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

See also

Use our faqs 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?
  • Go to the "Pay and Transfer"
  • Select "Pay Anyone Access" and request your daily limit.

The daily limit only applies to Pay Anyone, purchase of bank cheques, donations to charity and international transfers via ANZ Internet Banking.

  • Customers with personal accounts may request a daily limit of $1,000, $5,000 or $10,000. The request for $1,000 will be activated immediately.
  • Customers with business accounts may request a daily limit of $5,000, $10,000, $15,000 or $25,000.
  • ANZ Internet Banking for Business customers may request a daily limit of up to $1,000,000.

If you request a Pay Anyone limit other than $1,000 you'll be assigned an action number.

  • You will receive this action number by post within five bank business days of your application.
  • It's a security measure that confirms your identity for us.
  • It expires after 28 days from the date of your application so be sure to use it within this time frame.

Once you receive your action number the next steps will depend on the limit chosen:

Daily limit of $5,000
  • If you requested a daily limit of $5,000 you can enter your action number on:
    • the "Pay Anyone access" page if you are registering for Pay Anyone or
    • the "Change my Pay Anyone access" page if you are changing your existing limit.
  • After you successfully submit the action number your requested daily limit will be available once you log off ANZ Internet Banking and log on again.
Daily limit of $10,000 or more
  • When you receive your action number for a daily limit of $10,000 or more, call the ANZ Internet Banking Helpdesk on 13 33 50 (International callers: +61 3 9638 8833) 24 hours a day, seven days a week.
  • We will validate your action number over the phone and the limit will be available once you log off ANZ Internet Banking and log on again.
  • 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 (AEST), Monday to Friday to activate your limit.
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 Pay Anyone Access" link under "Internet Banking Settings" section of the "Update Details" 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 (AEST), Monday to Friday to activate your limit.
How can I increase my Pay Anyone limit?

To increase your Pay Anyone limit you will need to re-apply for a higher Pay Anyone limit via the "Change Pay Anyone Access" link under the "Internet Banking settings" section of the "Update details" menu.

  • Once your application has been processed, you will receive a confirmation letter in the mail with an action number and instructions on how to reactivate Pay Anyone with your new limit.
  • Your action number must be activated within 28 days of making your application.
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.

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

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).

  • To make payment to your own ANZ Credit Card use the Pay ANZ Credit Card or Transfer between my accounts function under the "Pay and Transfer" menu. Your credit card account must 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 function under the "Pay and Transfer" menu.
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 any payment you'll receive a lodgement number and a receipt number. The receipt number confirms that the payment has been submitted successfully.

For scheduled payments, you can check the status of payment and the receipt number via the "Past Payments/Transfers" page. For unsuccessful payments, the status will display as "failed". You can also check the details of the payment check the reason the payment failed.

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 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 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 the "Skip/Unskip next Scheduled Transfer" link.

  • This will skip the selected future dated payment.
  • You may click 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 account.
  • We do not check that the details provided by you are correct.

If you have a query about a Pay Anyone payment you think may have had incorrect details:

  • You may request a Pay Anyone dispute it via the the SecureMail menu. Please be advised that it may take up to 6-8 weeks for the resolution of any Pay Anyone dispute.
  • Alternatively you can 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 your Pay Anyone dispute.
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 (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.
I have a query about a transaction I've made online - what can I do?

You can check the details of the payment that you have made online via the "Past Payments/Transfers" section in your ANZ Internet Banking.

  • This page shows you the list of transactions that you have made online.
  • You can then click the "View details" link after selecting a particular payment that you want to query.

If you have a query about a Pay Anyone payment you think may have had incorrect details:

  • You may request a Pay Anyone dispute it via the the SecureMail menu. Please be advised that it may take up to 6-8 weeks for the resolution of any Pay Anyone dispute.
  • Alternatively you can 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 your 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 (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.

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