Register for 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.

In order to use Pay Anyone you must first register for the service.

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To activate your Pay Anyone access:

  • Go to the "Payments" menu
  • Select "Pay Anyone access" and follow the steps below.
Step 1 - Select your daily limit and select "Submit"
  • The daily limit is the maximum amount you can transfer per day for Pay Anyone, international services, the purchase of bank cheques and donations to charity through ANZ Internet Banking
  • The daily limits for personal customers range from $1,000 to $10,000 (or up to $25,000 if registered for ANZ Shield)
  • Business customers using ANZ Internet Banking can apply for $5,000 to $25,000 (or up to $50,000 if registered for ANZ Shield) while ANZ Internet Banking for Business customers can apply for up to $1,000,000
  • Only the limits available to you will be displayed.

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.

Step 2 - Activate Pay Anyone

As we take the security of your personal and account information seriously, we have a range of security measures to help verify your identity when activating your Pay Anyone access.

The next step may differ depending on the limit chosen and your security setting.

Enter your ANZ Shield Code

If you are registered for our free security app ANZ Shield, you may be prompted to enter your ANZ Shield Code

  • When prompted, open the ANZ Shield app on your phone and generate a Shield Code
  • Enter your Shield Code in ANZ Internet Banking
  • You can make Pay Anyone payments with your selected daily limit effective immediately.
Answer your challenge questions

Need more help?

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

Do I need to register for Pay Anyone?

Yes. You need to register for the Pay Anyone facility online and activate your daily limit before you can start transferring money to any Australian Financial Institution (bank, building society, credit union).

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.

What daily limits are available to me and can I apply for others?

There are different daily limits available to you depending on the type of accounts you have. You need to firstly request a limit and activate it before you start making payments. Only the limits available to you will be displayed.

  • Customers with personal accounts may request daily limits of $1,000, $5,000 or $10,000
  • Customers with business accounts may request daily limits of $5,000, $10,000, $15,000 or $25,000
  • If you are an ANZ Internet Banking for Business customer you may request a daily limit of up to $1,000,000.
What additional authentication is required for my $1,000,000 Pay Anyone Limit?

To support your ANZ Internet Banking for Business $1,000,000 Pay Anyone Limit, additional authentication is required for certain transactions.

Please note:

  • ANZ may contact you to verify the details of certain payments using this limit. It is important to ensure you confirm transaction details with us from your source of truth (i.e. an invoice) to prevent sophisticated fraud threats. 
  • ANZ recommends that all third party transactions of $500,000 and above are authorised prior to 4.00pm AEST to ensure we can contact you to verify payment details when required. If we are unable to contact you to verify transaction information, payments may be cancelled.
What does my daily limit apply to?

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

How long does it take before I can use Pay Anyone?

It will be available immediately.

If I register for Pay Anyone, can I transfer funds overseas?

No. Pay Anyone allows you to transfer funds to any Australian financial institution (bank, building society, credit union). You need to register for international services along with Pay Anyone to be able to transfer fund overseas.

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 "Profile" menu.

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.