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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FAQs

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Registering for Pay Anyone is easy. To register for Pay Anyone:

  • Go to the "Pay and transfer" menu
  • Select "Pay Anyone access" and follow the steps below.
Step 1 - Select your daily limit and click "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

After you choose a daily limit and click "Submit" the next steps vary depending on the limit chosen.

Daily limit of $1,000

After you click "Submit" your new daily limit is activated immediately.

Daily limit of $5,000
  • You will be sent an action number in the post.
  • When you receive it, go to the "Enter your action number" section of the "Pay Anyone Access" page.
  • Enter the action number and click "Submit".
  • You can access the Pay Anyone next time you log on to ANZ Internet Banking.
Daily limit of $10,000 or more
  • You will be sent an action number in the post.
  • When you receive your action number 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.
  • If you are an ANZ Internet Banking for Business customer please call the ANZ Internet Banking for Business team on 1800 269 242 (International callers: +61 3 8699 6906) between 8.00am and 8.00pm (AEST), Monday to Friday.
  • We will validate your action number and enable your Pay Anyone service.
  • You can access your Pay Anyone next time you log on to ANZ Internet Banking.
Important notes
  • Please remember that your action number will expire within 28 days of your application so you must use it within this period.
  • If you submit a second Pay Anyone registration request while a previous one is still being processed it will make your first one redundant so your initial action number will not work.

Need more help?

Use our faqs 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.

How do I get an action number?
  • 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. 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.
  • If you are an ANZ Internet Banking for Business customer 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.
Where do I put 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 the "Internet Banking Settings" section of the "Update Details" menu.

  • If the action number is for a daily limit of 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 to activate your limit. You will have access to the increased limit next time you log on to ANZ Internet Banking.
  • If you are an ANZ Internet Banking for Business customer 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 long does my action number last before expiring?

Your action number will expire within 28 days from the date of your application.

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. If you request $1,000, it will be activated immediately and you can start making payment on the same day.
  • 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?

If you have activated $1,000 it will be available immediately. For any other daily limits, an action number will be sent to you in the post. It may take up to five bank business days for you to receive the mail. Once you activate the action number as per the instruction on the letter, you will be able to use Pay Anyone next time you log on to ANZ Internet Banking.

If I register a $1,000 limit can I access Pay Anyone straight away?

Yes. If you have registered for $1,000 you can immediately access Pay Anyone to make a transfer to any Australian financial institution (bank, building society, credit union). 

It says I have an outstanding Pay Anyone application - what does this mean?

This means that you have already requested a Pay Anyone limit within the last 28 days. 

  • A confirmation letter with the action number is on its way to you via the post. 
  • You may wish to wait for the confirmation letter.
  • If you decide to reapply for the limit again, you may do so. Please be advised that your previous application will be cancelled and your original action number will not work. A new confirmation letter with the new action number will be issued.
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 "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.

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.