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Frequently asked questions - Ways to bank

Frequently asked questions

About ANZ Mobile Phone Banking

What is ANZ Mobile Phone Banking?

ANZ Mobile Phone Banking is just that, banking with the convenience of your mobile phone. Whether you're at home, out of the office, on holiday, or at the shopping centre, wherever you are you can enjoy access to selected ANZ accounts. Keeping track of your accounts 24/7* has never been easier. You can choose to use TXT Banking and M-Banking, or both.

*Subject to mobile phone network availability.

What can I do with TXT Banking?

With TXT Banking you can request account balances and mini statements on up to three ANZ accounts. Mini statements will show the last five account transactions on that account. In addition, you can also setup and receive Account Alerts. If you'd like to be able to do more with your mobile phone, check out M-Banking as well.

What can I do with M-Banking?

M-Banking offers more functionality than TXT Banking. You can request account balances and mini statements, transfer money between your accounts, make one off payments using Pay Anyone, set up Account Alerts, check your account numbers and change your M-Banking password.

Who can use ANZ Mobile Phone Banking?

To use TXT Banking, you must be:

  • an existing ANZ Internet or Phone Banking customer
  • over 12 years of age.

To use M-Banking, you must:

If you're not already an ANZ Internet or Phone Banking customer, call the ANZ Internet Banking Help Desk on 13 33 50 (24 hours a day, seven days a week) or visit any ANZ branch.

*Customers between the ages of 12 and 15 can use M-Banking but will be restricted to enquiry access only (balance enquiry and mini statements). Customers aged 16 years or over and who are the sole account holder can also use M-Banking to perform fund transfers and Pay Anyone.

Can businesses use ANZ Mobile Phone Banking?

Yes. ANZ Mobile Phone Banking is available to ANZ customers with the following account:

  • Everyday and Savings Account (incl. V2 PLUS)
  • Credit Card
  • Everyday Visa Debit
  • Passbook
  • Term Deposits
  • Home Loans
  • Personal Loans
  • Business Loans.

Can children use ANZ Mobile Phone Banking?

Children aged under 12 years
  • No, children under 12 years of age cannot register and use ANZ Mobile Phone Banking.
Customers aged 12 to 15 years
  • Yes, children between the ages of 12 and 15 can register and use ANZ Mobile Phone Banking but will be restricted to enquiry access only (balance enquiry and mini statements).
Customers aged 16 and over
  • Yes, if the customer is aged 16 years or over and opens an account in their own name (as a sole account), they have the option of full electronic access to allow all types of transactions through ANZ Mobile Phone Banking.

Can I use ANZ Mobile Phone Banking on more than one mobile phone?

No. Each ANZ customer can only use ANZ Mobile Phone Banking from the one designated mobile phone.

Can I use ANZ Mobile Phone Banking 365 days of the year?

Yes, the ANZ Mobile Phone Banking service is available 365 days of the year provided there is network coverage and no service interruptions. Remember that any Pay Anyone payments or fund transfers you make on weekends or public holidays will not be processed until the next business day. Also, any fund transfers made after 10.00pm Melbourne time on a business day and Pay Anyone Payments made after 6.00pm Melbourne time on a business day will not be processed until the next business day.

How many accounts can I access using ANZ Mobile Phone Banking?

You can register up to three of your ANZ accounts for TXT Banking and up to ten accounts for M-Banking. If you register to use both TXT Banking and M-Banking, your three TXT Banking accounts will also be your first three M-Banking accounts, meaning you can access up to ten accounts in total.

Can I access any type of ANZ account using ANZ Mobile Phone Banking?

You will be able to access most types of ANZ accounts using ANZ Mobile Phone Banking. However, not all ANZ Mobile Phone Banking services are available for term deposit, home loan and passbook accounts.

What happens if I close one of my ANZ Mobile Phone Banking accounts?

This account will not be available the next time you attempt to access it via ANZ Mobile Phone Banking. For M-Banking, the account will not be visible in the list of available accounts. For TXT Banking, this account will be omitted when your balance or mini statement is sent to you.

Can I use ANZ Mobile Phone Banking overseas?

  • For M-Banking, you will have full enquiry and transaction access to your accounts provided your mobile phone is on international roaming. You will also be able to receive Account Alerts while roaming. Additional carrier charges may apply for the receipt of text messages (SMS) and data packages (eg for receiving balance requests, mini statements, and Account Alerts). Please contact your mobile phone carrier for activation of international roaming and associated fees and charges.
  • For TXT Banking, you will have full access overseas by sending your TXT Banking request (SMS) to our international roaming number: +6142 ANZ MOBI (+6142 269 6624). You will also be able to receive Account Alerts while roaming. Additional carrier charges may apply for the receipt of text messages (SMS) (eg for receiving balance requests, mini statements, and Account Alerts). Please contact your mobile phone carrier for activation of international roaming and associated fees and charges.
Mobile phone requirements

Can I use my current mobile phone for TXT Banking?

To be able to use TXT Banking, you'll need a mobile phone that can send and receive text messages (SMS).

Can I use my current mobile phone for M-Banking?

To be able to use M-Banking, your mobile phone must be Java-enabled and have an active GPRS connection. Most mobile phones sold within Australia in the past 2 years should have these functionalities. If you're unsure, check our online list of compatible phones at www.anz.com, or call us on 1300 ANZ MOBI (1300 269 6624).

How do I find out the make and model of my mobile phone?

For most mobile phones, you can find out the make and model in the 'settings' menu, under 'phone info'. If you're still having trouble finding this information, try removing your phone battery and checking the sticker underneath.

What exactly is Java?

Java is the programming language that has been used to build the M-Banking application. Simply, Java offers an enriched handset user interface, the banking menu that enables you to navigate to the banking services you require.

What if my mobile phone isn't Java-enabled?

You can still check your account balances and receive mini statements using TXT Banking.

How much memory do I need to run M-Banking?

You'll need at least 69kb of available memory on your mobile phone to download and install M-Banking. Please check your mobile phone user manual or contact your mobile phone manufacturer for more information on your mobile phone memory capacity.

Where is M-Banking stored on my mobile phone?

Where the M-Banking application is stored will depend on the make and model of your handset. For more information, please see our online list of compatible phones. Please select the �make' and model' of your mobile phone and follow the on-screen instructions on:

  • how to download the application
  • where the application is stored on the mobile phone.

What if I accidentally delete the M-Banking application from my mobile phone?

Simply log onto to the ANZ Mobile Phone Banking website to request a new application to be downloaded to your mobile phone along with a new Activation Code. Please follow the steps below:

  1. Click 'Go' from the 'Re-download M-Banking application' menu.
  2. On the next page click 'Download'.
  3. You will be given an Activation Code. This will be used to activate your M-Banking application.
  4. A text message (SMS) containing a download link will be sent to your mobile phone.
  5. Access this link to download and install the M-Banking application.
  6. Please enter your Activation Code and select a new M-Banking password (7-16 digits).

Or alternatively, you may call 1300 ANZ MOBI (1300 269 6624) to request a download link to be sent to your mobile phone.

What if I get a new mobile phone?

If you are a M-Banking customer:

Simply log onto to the ANZ Mobile Phone Banking website to request a new application to be downloaded to your mobile phone along with a new Activation Code. Please follow the steps below: 

  1. Click 'Go' from the 'Re-download M-Banking application' menu.
  2. On the next page click 'Download'.
  3. You will be given an Activation Code. This will be used to activate your M-Banking application.
  4. A text message (SMS) containing a download link will be sent to your mobile phone.
  5. Access this link to download and install the M-Banking application.
  6. Please enter your Activation Code and select a new M-Banking password (7-16 digits). Please note: once you have activated the M-Banking application on your new mobile phone, you will no longer be able to access the M-Banking application on your old phone.

Or alternatively, you can call us on 1300 ANZ MOBI (1300 269 6624) to request a download link to be sent to your mobile phone.

If you are a TXT Banking customer:

As long as you have not changed your mobile phone number, you will not be required to do anything when you switch to a new handset. TXT Banking should be available immediately on your new mobile phone.

What if I change my mobile phone number?

Simply log onto to the ANZ Mobile Phone Banking website to update your personal details. Please follow the steps below:

  1. Click 'Go' from the 'Update Details' application menu.
  2. On the next page click 'Change' (located under your mobile phone number) within 'Your Details'    section.
  3. Enter your new mobile phone number.
  4. Click 'Update'.

Or alternatively, you can call us on 1300 ANZ MOBI (1300 269 6624) to update your mobile phone number.

What if I change my CRN (Customer Registration Number)?

If you change your CRN you'll need to let us know. Call us on 1300 ANZ MOBI (1300 269 6624) in order to update your personal details (ie Customer Registration Number).
Registration

How do I register?

You can register for ANZ Mobile Phone Banking by logging onto the ANZ Mobile Phone Banking website and following the instructions on screen. Alternatively, you can call us on 1300 ANZ MOBI (1300 269 6624) to register. You'll need to be a registered ANZ Internet or Phone Banking customer. If you are not registered for ANZ Internet or Phone Banking, we will sign you up when you call.

Can I use ANZ Mobile Phone Banking even if I don't use ANZ Phone Banking?

Yes, as long as you are registered to use either ANZ Internet or Phone Banking, you are eligible to register for ANZ Mobile Phone Banking.

What if my account requires two or more signatories?

You can still use TXT Banking and/or M-Banking. However you will be restricted to enquiry access only. If you are registered for M-Banking, you will not be able to perform a fund transfer between your selected ANZ accounts, or make Pay Anyone payments.

Do my access permissions in ANZ Internet and Phone Banking also apply to ANZ Mobile Phone Banking?

Yes. You will have the same access permissions to your account(s) (ie permission to transfer funds) using M-Banking that you have for ANZ Internet and Phone Banking. TXT Banking customers will only have balance and mini statement enquiry access on their mobile phone.
Activation

Why won't my Activation Code work?

Your Activation Code may not work if:

  • You have entered the code incorrectly three times.

If you have entered the wrong Activation Code three times, your ANZ Mobile Phone Banking service will be suspended. To activate your ANZ Mobile Phone Banking service, please call 1300 ANZ MOBI (1300 269 6624).

  • It has been more than five days since it was issued.

Your Activation Code has expired. Simply logon to the ANZ Mobile Phone Banking website to request a new Activation Code. Please follow the steps below:

  1. Click 'Go' from the 'New Activation Code' menu.
  2. The new Activation Code will be displayed on screen.
  3. Click 'Finish'.
  4. Please note this Activation Code will expire in five days.

Or alternatively, you can call us on 1300 ANZ MOBI (1300 269 6624) to request a new Activation Code.

Will my Activation Code expire?

Your Activation Code is valid for five days. If you don't use it during this time it will expire. If this happens, simply logon to the ANZ Mobile Phone Banking website to request a new Activation Code. Please follow the steps below:

  1. Click 'Go' from the 'New Activation Code' menu.
  2. The new Activation Code will be displayed on screen.
  3. Click 'Finish'.
  4. Please note this Activation Code will expire in five days.

Or alternatively, you can call us on 1300 ANZ MOBI (1300 269 6624) to request a new Activation Code.

What if I enter the wrong Activation Code?

You have three chances to enter your Activation Code. If you get it wrong on the third attempt your ANZ Mobile Phone Banking service will be suspended. If that happens you will need to call us on 1300 ANZ MOBI (1300 269 6624).

What if I've lost or forgotten my Activation Code?

Simply logon to the ANZ Mobile Phone Banking website to request a new Activation Code. Please follow the steps below:

  1. Click 'Go' from the 'New Activation Code' menu.
  2. The new Activation Code will be displayed on screen.
  3. Click 'Finish'.
  4. Please note this Activation Code will expire in five days.

Or alternatively, you can call us on 1300 ANZ MOBI (1300 269 6624) to request a new Activation Code.


Note: the customer may be liable for losses incurred after they become aware of the loss or theft of the Activation Code and before they notify ANZ of the loss or theft of the Activation Code. Please refer to the Electronic Banking Conditions of Use for more information.

Can anyone else use my Activation Code on their mobile phone?

No. Your Activation Code is only valid when it's used with the phone number you registered for ANZ Mobile Phone Banking.

How long does it take to download M-Banking?

The time it takes to download M-Banking will vary between handsets, but in most cases it should not take more than 60 seconds.

What if I delete the download link from my mobile phone?

 

Log onto to the ANZ Mobile Phone Banking website to request a new download link to be sent to your mobile phone along with a new Activation Code. Please follow the steps below:

  1. Click 'Go' from the Re-download M-Banking application menu.
  2. On the next page click 'Download'.
  3. You will be given an Activation Code. This will be used to activate your M-Banking application.
  4. A text message (SMS) containing a download link will be sent to your mobile phone.
  5. Access this link to download and install the M-Banking application.
  6. Please enter your Activation Code and select a new M-Banking password (7-16 digits).

Or alternatively, you may call 1300 ANZ MOBI (1300 269 6624) to request a new download link to be sent to your mobile phone.
Account balances

What number do I text to get an account balance?

Simply text BAL to 042 ANZMOBI (0422 696 624) to get your account balances.

Are account balances up-to-date?

For most types of accounts, the account balance will be up-to-date, meaning it will include all transactions* made in and out of your account up to the time you request your account balance. For Term Deposit and Loan accounts, the account balance will be the balance of your account at the start of the day (Melbourne time). Remember though, that any fund transfers made after 10.00pm Melbourne time and Pay Anyone payments made after 6.00pm Melbourne time will not be processed until the next business day.

*All Pay Anyone payments made into an ANZ account from a third party bank account will not be reflected in the account balance until the next business day.

How is 'balance' defined when I request an account balance?

How your balance is defined will vary depending on the type of account you request a balance on. Depending on the type of account, you will be able to check:

  • Current Balance - takes into account all transactions made in and out of your account, right up to the time you request your account balance;
  • the Ledger Balance - the balance of your account at the start of the day (Melbourne time); or
  • your Available Funds - The amount listed as Available Funds is the total amount of funds in your account that are currently available for withdrawal. The Available Funds balance may be different to your Current Balance. It may be more or less than the Current Balance, as a result of uncleared funds, withdraw/credit/overdraft limits etc.
Account type Balance
Everyday and savings account(incl. V2 PLUS) Current balance
Credit card Current balance
ANZ Everyday Visa Debit Available funds
Passbook Current balance
Terms deposits Ledger balance
Home loans Ledger balance
Personal loans Ledger balance
Business loans Ledger balance
  • Negative balances are followed by a minus sign (eg. $410.10-).

How do I know if my account balance is in debit or credit?

If your account is in debit, a '-' sign will appear after the account balance. If it is in credit, no sign will appear after the account balance.

How long does it take to get an account balance using TXT Banking?

You should get a response almost immediately after you text your account balance request. There may be short delays when the mobile network usage is higher than usual. Please note: ANZ Mobile Phone Banking service will only operate where mobile network coverage is available.
Mini statements

What number do I text to get a mini statement?

Simply text STMT1, STMT2 or STMT3 to 042 ANZMOBI (0422 696 624) to get a mini statement for any of your three accounts.

ie For your first linked account - text STMT or STMT1 to 042 ANZMOBI (0422 696 624)
For your second linked account - text STMT2 to 042 ANZMOBI (0422 696 624).
For your third linked account - text STMT3 to 042 ANZMOBI (0422 696 624)

Are the transactions in mini statements up-to-date?

Yes. All mini statements contain up-to-date information, which means that they take into account all transactions* made out of and into your account, right up to the time you request the mini statement. Remember though, that any fund transfers made after 10.00pm Melbourne time and Pay Anyone payments made after 6.00pm Melbourne time will not be processed until the next business day.

*All Pay Anyone payments made into an ANZ account from a third party bank account will not be displayed in the mini-statement until the next business day.

How do I know if a transaction is a debit or a credit in the mini statement?

A debit sign ('-') will appear after each withdrawal from your account. A credit sign ('+') will appear after each deposit into your account.

How many transactions will I see on my mini statement?

  • For TXT Banking, your mini statement will show your current account balance, plus the last five to seven transactions for that account. The exact number of transactions displayed will depend on the make and model of your handset as well as the size of the transactions and balances shown.
  • For M-Banking, your mini statement will show your last ten transactions for that account.

How long does it take to get a mini statement using TXT Banking?

You should get a response almost immediately after you text your mini statement request. There may be short delays when the mobile network usage is higher than usual. Please note: ANZ Mobile Phone Banking service will only operate where mobile network coverage is available.
Transferring money between your selected ANZ accounts

How much can I transfer between my linked accounts?

You can transfer up to $99,999.99 per transaction, subject to available funds. There is no daily maximum, which means you can make as many transfers as you need.

Are transfers between my linked accounts instant?

If you transfer money between your linked accounts before 10.00pm Melbourne time on a business day, your account will be updated on the same day. If you transfer money between your accounts after 10.00pm Melbourne time on a business day, or at anytime on a non-business day, your account will be updated on the next business day.

Can I set up a transfer for a future date?

No. You cannot set up transfers for a future date. All transfers made will be processed on the same day unless the transfer is made after 10.00pm Melbourne time or at anytime on a non-business day, then the transfer will be processed on the next business day.

How do I enter dollar amounts?

To transfer money between your linked accounts, simply enter the dollars and cents as one number. You don't have to include a decimal point, M-Banking will do this for you.

For example:

To Transfer $199.99 > enter:19999 > appears as $199.99; or transfer $200 > enter  20000 > appears as $200.00

How will I know that a transfer was successful?

Once a transfer has been made you'll receive a confirmation message ('Your payment was successful') plus a 6-digit receipt number.

Can I transfer money to my credit card using M-Banking?

Yes. You can transfer to and from your linked ANZ credit card account using M-Banking. Transfers from your ANZ credit card may incur a cash advance fee plus interest.

Can I transfer money to my home loan using M-Banking?

Yes. You can transfer to and from most linked ANZ home loan accounts using M-Banking. This will be consistent with your ANZ Internet Banking access privilege.

Can I transfer money to my term deposit using M-Banking?

No. You cannot transfer to or from your ANZ term deposit account using M-Banking.

What information will appear on my bank statement if I transfer money out of my account using M-Banking?

If you transfer money out of your Everyday and Savings Account, your statement will say:

   ANZ M-BANKING FUNDS TFER

   TRANSFER <Receipt Number> TO <BSB><Account No>

If you transfer money out of your Credit Card Account, your statement will say:

   CASH ADVANCE <Receipt Number>

If you transfer money out of your ANZ Everyday Visa Debit Account, your statement will say:

   FUNDS TFER M-BANKING <Receipt Number>

If you transfer money out of your Home/Personal/Business Loan Account, your statement will say:

   ANZ M-BANKING FUNDS TRANSFER

What information will appear on my bank statement if I transfer money into my account using M-Banking?

If you transfer money into your Everyday and Savings Account, your statement will say:

   ANZ M-BANKING FUNDS TFER

   TRANSFER <Receipt Number> FROM <Account No>

If you transfer money into your Credit Card Account, your statement will say:

   PAYMENT THANK YOU <Receipt Number>

If you transfer money into your ANZ Everyday Visa Debit Account, your statement will say:

   DEPOSIT THANK YOU <Receipt Number>

If you transfer money into your Home/Personal/Business Loan Account, your statement will say:

   ANZ M-BANKING FUNDS TRANSFER
Pay Anyone payments

Who can I make a Pay Anyone payment to?

You can make a Pay Anyone payment to any valid personal or business bank account in Australia.

Can I make international payments using Pay Anyone?

No. If you want to transfer money to an overseas account, you can do this via ANZ Internet Banking or at any ANZ branch.

How much can I pay using Pay Anyone?

As part of the registration process for M-Banking you can choose a daily Pay Anyone limit of $1000. You can also choose to disable the Pay Anyone feature for M-Banking. Please note: This limit does not affect your ANZ Internet Banking Pay Anyone Limit.

What if I don't want to use Pay Anyone?

If you wish to disable Pay Anyone for M-Banking, simply log onto the ANZ Mobile Phone Banking website. Please follow the steps below:

  1. Click 'Go' from the 'Update Details' application menu.
  2. On the next page click 'Continue' (located on the bottom right hand side of the page).
  3. On the next page, un-tick the checkbox labelled 'Allow me to pay others using Pay Anyone. A daily limit of $1000 applies.'
  4. Click 'Finish'.

Or alternatively, you can call us on 1300 ANZ MOBI (1300 269 6624) to disable Pay Anyone for M-Banking.

Are Pay Anyone payments instant?

If you make a Pay Anyone payment before 6.00pm Melbourne time on a business day, your ANZ account will be updated on the same day. If you make a Pay Anyone payment after 6.00pm Melbourne time on a business day, or at anytime on a non-business day, your ANZ account will be updated on the business day after processing.

Can I set up a Pay Anyone payment for a future date?

No. You cannot set up a Pay Anyone payment for a future date. All Pay Anyone payments made will be processed on the same day unless the payment is made after 6.00pm Melbourne time or at anytime on a non-business day, then the payment will be processed on the next business day.

Can I make BPAY Payments using M-Banking?

No. BPAY is currently unavailable for M-Banking.

How do I enter dollar amounts?

To make a Pay Anyone payment, simply enter the dollars and cents as one number. You don't have to include a decimal point '.' M-Banking will do this for you.

For example:

To pay $199.99 enter 19999 > appears as $199.99; or pay $200 > enter 20000 > appears as $200.00

How will I know that a Pay Anyone payment was successful?

Once a Pay Anyone payment has been made you'll receive a confirmation message plus a 6-digit receipt number.

What happens when my M-Banking session terminates unexpectedly while I'm making a Pay Anyone payment?

If you're part way through a Pay Anyone payment and your mobile phone runs out of battery, or you lose reception, or your M-Banking session is terminated for any other reason and you haven't received a confirmation message, your payment may not have been successful. However, before you repeat the payment, we recommend that you call 1300 ANZ MOBI (1300 269 6624) to confirm the status of the Pay Anyone payment.

What if I make a mistake when I make a Pay Anyone payment?

You cannot undo a Pay Anyone payment once you've clicked 'submit'. If you've made a payment to the wrong account or accidentally paid too much, please call 1300 ANZ MOBI (1300 269 6624), for further assistance.

Can I save the details of my regular Pay Anyone payees?

Yes. You can save the name and the account number of a person you have just paid using the 'Favourites' function. That way you won't have to re-enter their details every time you pay them.
Will my 'Favourites' be saved in ANZ Internet Banking as well?
No. The 'Favourites' you save in ANZ Mobile Phone Banking won't automatically be saved into your ANZ Internet Banking favourites.

Why can't I make a Pay Anyone payment?

You may not be able to make a Pay Anyone payment via M-Banking because:

  • your account requires two or more signatories to authorise a transaction.
  • you have insufficient cleared funds in your account.
  • the Pay Anyone functionality for M-Banking has been disabled.
  • you have exceeded your daily Pay Anyone limit for M-Banking.

If you are uncertain about why you cannot make a Pay Anyone payment via M-Banking, please call 1300 ANZ MOBI (1300 269 6624) for further assistance.

What information will appear on my bank statement if I make a Pay Anyone payment from my account using M-Banking?

If you make a Pay Anyone payment from your ANZ Everyday and Savings Account, your statement will say:

ANZ M-BANKING PAYMENT
TRANSFER <receipt number> TO <Account Name>

If you make a Pay Anyone payment from your Credit Card Account, your statement will say:

CASH ADVANCE <Receipt Number>

If you make a Pay Anyone payment from your ANZ Everyday Visa Debit Account, your statement will say:

FUNDS TFER M-BANKING <Receipt Number>

If you make a Pay Anyone payment from your Home/Personal/Business Loan Account, your statement will say:

ANZ M-BANKING PAYMENT

What information will appear on my bank statement if received a Pay Anyone payment via M-Banking?

If you receive a Pay Anyone payment in your ANZ Everyday and Savings Account, your statement will say:

ANZ M-BANKING PAYMENT
TRANSFER <Description> FROM <Payer>

If you receive a Pay Anyone payment in your Credit Card Account, your statement will say:

PAYMENT THANK YOU <Receipt Number>

If your receive a Pay Anyone payment in your ANZ Everyday Visa Debit Account, your statement will say:

DEPOSIT THANK YOU <Receipt Number>

If you receive a Pay Anyone payment in your Home/Personal/Business Loan Account, your statement will say:

ANZ M-BANKING PAYMENT
Account Alerts

What is an Account Alert?

An Account Alert is a mini statement sent to your mobile phone in the form of a text message (SMS) on a daily, weekly, fortnightly or monthly basis. Account Alerts are only time-triggered and must be pre-set by you.

How do I setup an Account Alert?

You can setup an Account Alert directly from your M-Banking application. Simply Logon to M-Banking and choose 'Alerts' option from the main menu. Then select 'Schedule New Alert' and follow the instructions on screen. Alternatively, you can logon to the ANZ Mobile Phone Banking website to setup an Account Alert or by calling us on 1300 ANZ MOBI (1300 269 6624).

How many Account Alerts can I set up?

You can set up as many Account Alerts as you like. Please note: If you are on international roaming, your mobile carrier may charge an additional fee for the receipt of a SMS. Please contact your mobile carrier for rates and charges.

Can I set up an Account Alert for any day of the month?

You can set up a daily, weekly and fortnightly Account Alert for any days of the month. You cannot set up a monthly Account Alert for the 29th, 30th or 31st of any month, as not all months have these days.

Can I set up an Account Alert for any time of the day?

You can set up Account Alerts for any hour of the day, as long as it is on the hour (1pm, 2pm, 3pm, etc). You cannot set up Account Alerts for times that are between the hours, like 2.30am or 1.45pm.

How do I enter times?

You'll need to use the 12-hour clock to set up an Account Alert. You don't need to enter a decimal point as M-Banking will do this for you.

For example:

For 8.00am, enter '0800' and select AM;
For midday, enter '1200' and select PM;
For 4.00pm, enter '0400' and select PM.

Remember that you can only set up Account Alerts on the hour.
Passwords and security

Is M-Banking secure?

ANZ M-Banking uses SSL (Secure Socket Layer) encryption to code all information as it's exchanged, meaning it offers the same high level of security as ANZ Internet Banking. In addition, you can only access your accounts when you have your M-Banking password and your mobile phone (as no-one can access your account information from any other handset.)

How should I choose an M-Banking password?

As with any password, your M-Banking password should be easy to remember, but not obvious to others. Do not use a password based on easily accessible personal information like birth dates or phone numbers. Your M-Banking password must be between 7 and 16 digits (numbers) long. It cannot include:

  • any letters or 'special characters' (eg ! ? , . & @ *)
  • more than three sequential numbers (eg 1234 or 4321)
  • more than three of the same number consecutively (eg 1111 or 9999).

How do I change my M-Banking password?

Log onto M-Banking and choose 'Other' from the main menu. Then select the Change Password option and follow the instructions on the screen.

What if I enter an incorrect M-Banking password?

You have three chances to enter your M-Banking password. If you get it wrong on the third attempt, your ANZ Mobile Phone Banking access will be suspended. We can help you re-activate your ANZ Mobile Phone Banking access. Simply call us on 1300 ANZ MOBI (1300 269 6624).

What should I do if I lose my mobile phone?

If you lose your mobile phone and would like to suspend your TXT Banking or M-Banking access, please call us on 1300 ANZ MOBI (1300 269 6624).

What should I do if my mobile phone is stolen?

If your mobile phone is stolen, we recommend that you suspend your TXT Banking or M-Banking access. To do this, please call us on 1300 ANZ MOBI (1300 269 6624).

Can someone else report my mobile phone lost or stolen?

Yes. For your security, we will suspend your ANZ Mobile Phone Banking access as soon as anyone reports your mobile phone lost or stolen.
Networks and network provider charges

Can I use ANZ Mobile Phone Banking on all networks?

ANZ Mobile Phone Banking will work on all Australian mobile phone networks*.

*As at 02/11/2007.

What will I be charged?

  • TXT Banking - SMS sent to 042 ANZMOBI (0422 696 624) will be charged the standard SMS fee by your network provider.
  • M-Banking - you will be charged based on your network provider's standard data transfer rates - please speak to your network provider about these rates.

The charges for using the M-Banking application will vary depending on how many functions you perform in any one session, and the data transfer rates set by your network provider. Note: Data is only passed when you make a request - ie request a mini statement or request a transfer. Contact your network provider for specific data transfer charges.

How much does it cost to download M-Banking?

This will vary depending on your data plan. As at November 2007, you should expect to pay around 65c for the download with most mobile network providers.
How to get more help

Call 1300 ANZ MOBI (1300 269 6624) if you:

  • have trouble downloading or using M-Banking
  • have a billing or transaction enquiry
  • want to suspend or deregister your ANZ Mobile Phone Banking access.

Contact your network provider if you:

  • have a problem with your mobile connection
  • have a technical query about your handset
  • have a query about your data download costs on your mobile phone statement.

Can I ring 1300 ANZ MOBI (1300 269 6624) from my mobile phone?

Yes. You can call 1300 ANZ MOBI (1300 269 6624) from your mobile phone to register and to make any changes to your ANZ Mobile Phone Banking service*.

*normal mobile phone call charges apply.

What if there are network issues?

If coverage is unavailable, the system is overloaded or there are other network issues you may experience delays or not be able to access ANZ Mobile Phone Banking. If you encounter network or coverage issues, please contact your mobile network provider.