<% call writeQuestionAnswer("ANZ designmycard", "ANZ designmycard is a fun way to personalise your ANZ Access card with an image of your choice (subject to Image Guidelines and Terms and Conditions) for just $15. You can upload your favourite photo or design, or choose an image from our image library.

Only if you have an ANZ Access Advantage Account, so open an account today by visiting www.designmycard.com.au.

") call writeQuestionAnswer("Honour and Dishonour fees", "An Honour Fee of $35 is charged on Personal accounts when ANZ uses its discretion to allow a payment to be processed when there are either not enough funds available in your account or your overdraft limit has been exceeded. ANZ may also charge interest on the outstanding amount.

We may allow a payment to be processed when there are not enough funds available in your account on the following payment types: direct debits or Periodical Payments, or for cheque accounts, cheques and withdrawals via Internet and Phone Banking, EFTPOS, and ATMs.

If a direct debit or cheque withdrawal is not allowed because there are not enough funds available in your account, a Dishonour Fee ($35) will be charged. If a Periodical Payment is not made due to insufficient funds, a Non-Payment Fee ($35) will be charged.

The ANZ Access Limited account will not charge an exception fee (including periodical payment non-payment fee, honour fee and dishonour fee) on transactions. Transactions will be declined, where possible, that may overdraw the account. In a rare situation where your account does overdraw, (for example, where a payment is manually debited from your account if EFTPOS is unavailable) you will be charged debit interest on the overdrawn balance.

How to avoid Honour Fees

What to do...
We're here to help. If you have any further queries or would like more information please call us on 13 13 14, 24 hours a day, seven days a week or drop into your local ANZ branch. Hearing or speech impaired customer can also utilise the TTY (Telephone Typewriter) service by calling 1300 366 255.

") call writeQuestionAnswer("Account Service Fees", "Some ANZ accounts have monthly Account Service Fees. The monthly fee gives you access to ANZ services (such as ATMs, EFTPOS, Phone Banking and Internet Banking). If you are a full-time student or if you're 60 and over, you may be entitled to a waiver on the Account Service Fee.

What to do...
If you have any queries or would like to find out more, please call us on 13 13 14, 24 hours a day, seven days a week or drop into your ANZ branch. Hearing or speech impaired customer can also utilise the TTY (Telephone Typewriter) service by calling 1300 366 255.

") call writeQuestionAnswer("Unauthorised direct debits", "A direct debit is an authority you have signed with another company (such as your electricity supplier) to allow them to make regular withdrawals from your account. It is important to check your statement to ensure all transactions that have been processed are correct.

What to do...
If you have any queries regarding an unauthorised direct debit please call us on 13 13 14, 24 hours a day, seven days a week or drop into your local ANZ branch. Hearing or speech impaired customer can also utilise the TTY (Telephone Typewriter) service by calling 1300 366 255.

") call writeQuestionAnswer("Statement not received ", "If you were expecting your account statement and you didn't receive it, please call 13 13 14, 24 hours a day, seven days a week or drop into your local ANZ branch.

If you're not sure when to expect your next account statement, you can find out by doing one of the following:

  1. Log on to ANZ Internet Banking and select the 'Cheque/Savings' tab in the left navigation menu. From the next page, select the account you are interested in and choose 'View Account Details'. The account details page will show you your account statement cycle and the date when your next statement is going to be sent.
  2. Call us on 13 13 14, 24 hours a day, seven days a week.
  3. Drop into your local ANZ branch.
  4. Hearing or speech impaired customer can also utilise the TTY (Telephone Typewriter) service by calling 1300 366 255.
") call writeQuestionAnswer("Periodical Payment Fees", "When you establish a Periodical Payment, you have asked ANZ to transfer a certain amount of money from one of your accounts to another account (this account could be yours or someone else's). Periodical Payments from personal accounts to ANZ accounts are free. A fee may be charged to transfer money to a non-ANZ account.

If you have any queries regarding a Periodical Payment, please call us on 13 13 14, 24 hours a day, seven days a week or drop into your local ANZ branch. Hearing or speech impaired customer can also utilise the TTY (Telephone Typewriter) service by calling 1300 366 255.

") call writeQuestionAnswer("ANZ Term Deposits", "
  1. Is there a minimum balance requirement for an ANZ Term Deposit?
    The minimum balance requirement for an ANZ Term Deposit is $5,000.

  2. Can I withdraw all or part of my ANZ Term Deposit before its maturity?
    Yes you can. However you must submit your request in writing and ANZ may reduce the interest rate payable when there is an early withdrawal and charge an administration fee.

  3. What is the minimum and maximum investment terms for an ANZ Term Deposit?
    ANZ Term Deposits of $5,000 or more can be invested for any term between one month and ten years.

  4. How is the interest calculated on my ANZ Term Deposit?
    The interest is calculated on the opening balance of your account. The rate of the interest is fixed for the term of your deposit. Interest accrues daily and the daily interest rate is the rate fixed for the term of your deposit divided by 365. Interest is not compounded.

  5. What happens to my ANZ Term Deposit at maturity?
    At maturity you can:
    • Automatically re-invest your funds for another term.
    • Add extra funds.
    • Withdraw part or all of the funds by cheque or at your local ANZ branch.

  6. Seniors Privilege
    Seniors Card holders can earn bonus interest of 0.25% p.a. on ANZ Term Deposits. The bonus interest rate is available on investments of $5,000 to $100,000 but does not apply to 'special rates'.

  7. Investments over $250,000
    The interest rate available on investments over $250,000 is updated daily. Call 13 33 33 or download the latest ANZ Term Deposit interest rates.
") call drawFAQ() %>