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Terms of use

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About this web site

This is a web site operated by Australia and New Zealand Banking Group Limited (ABN 11 005 357 522) ("ANZ") under the domain name "" ("ANZ Web Site"). The ANZ Web Site is operated on behalf of ANZ and its related bodies corporate (together called the "ANZ Group").

Your use of the information, graphics and materials on the ANZ Web Site ("Material on this web site") is governed by these Terms of Use and the Privacy and Security Statement.

In addition to the terms contained in this document, there are also specific terms which form part of the Terms of Use and govern your use of, and access to, certain sections of the ANZ Web Site. Since you are also bound by these additional terms, you should review them wherever they are accessible by you on the ANZ Web Site.

This is a legally binding agreement between the user and ANZ and use of this website implies acceptance of these terms and conditions.


Third party links

The ANZ Web Site may contain links to other web sites operated by third parties ("Third Party Web Sites"). The ANZ Group does not endorse, or approve of the operators of Third Party Web Sites, or the information, graphics and material on those Third Party Web Sites ("Third Party Material").

Subject to any applicable law which cannot be excluded, the ANZ Group makes no warranties or representations:

  • regarding the quality, accuracy, merchantability or fitness for purpose of Third Party Material or products or services available through Third Party Web Sites; or
  • that Third Party Material does not infringe the intellectual property rights of any person. ANZ is not authorising the reproduction of Third Party Material by linking Material on this web site to Third Party Material.

When you follow a link on the ANZ Web Site, material at a Third Party Web Site may be displayed in your browser framed by Material on this web site. This material is also Third Party Material for the purpose of these Terms of Use.

All offers to sell and statements relating to goods and services available on Third Party Web Sites are the responsibility of and given by the Third Party Web Site operator. In so far as such offers and statements are made on the ANZ Web Site, such offers and statements are made by the ANZ Group on behalf of the operator. The ANZ Group expressly disclaims acting in any other respect on behalf of Third Party Web Site operators.

ANZ may receive payments from operators of Third Party Web Sites in relation to goods or services supplied by the operator as a result of you linking to the Third Party Web Site from the ANZ Web Site.


Links between ANZ and other ANZ group websites

For your convenience we may also display hyperlinks to other ANZ Group websites. You should note that products and services offered on these websites may be limited to persons located or residing in a particular jurisdiction, country or locality. The terms and conditions governing the use of each ANZ Group website may differ. You should read and understand the applicable terms and conditions before using the website. Content on linked websites may not be intended for persons located or residing in other jurisdictions that restrict the distribution of such content.


Links between external websites and ANZ websites

Persons wishing to link any third party website to any ANZ website must always obtain ANZ’s prior written approval before creating a hyperlink in any form. The granting of such approval is at the absolute discretion of ANZ. In most circumstances, approval for a hyperlink is only granted when it clearly displays our name and/or website address. Any links must be active and link directly to the ANZ website home page or front page. Framing or "deep-linking" of ANZ web page or content is strictly forbidden. The use or display of any ANZ logos, trade names and trademarks as a hyperlink is only approved in very exceptional circumstances and may be subject to a fee to be determined by ANZ at its absolute discretion. (Note: further terms and conditions regarding ANZ trademarks and copyright is contained later in this document.) 

ANZ takes no responsibility for the setup of any hyperlink between a third party website and any ANZ website. Links are provided solely for your convenience and do not constitute endorsement of the third party linked website, its products and/or services. You access these sites at your own risk. The ANZ Group is not liable for any loss or damage incurred or suffered by you or any third party arising out of or in connection with a link to an ANZ website. We reserve the right to rescind at any time any approval granted to link through any ANZ website, be this via a plain-text link or other type of link. ANZ further reserve the right to require the removal of any third party, at our discretion at any time.



ANZ cannot guarantee that any messages sent to the Bank over the Internet are completely secure. The Bank does not accept responsibility for any damages incurred by users for messages sent via email or other electronic means to the Bank for any reason. ANZ is not responsible in any way for direct, indirect, special or consequential damages arising out of the use of this website.


Third party software

Unless otherwise indicated software downloads available via links from the ANZ Web Site are third party products. These products may be subject to a licence agreement between you and the relevant product owner. To the extent permitted by law, the ANZ Group accept no liability in respect of such third party products and the ANZ Group provide no warranty and give no endorsement in respect of such products or any party connected with them. We do, however, welcome your feedback or suggestions concerning these products.



Given the nature of the Internet, transmissions may be subject to interruption, blackout, delays and/or errors. ANZ does not accept liability for any errors, malfunctions or other interruptions in transmissions caused by communications facilities not under its control that may affect the timeliness or accuracy of transmissions, messages and transactions.



With respect to the downloading of information, images, programs or any other content, ANZ cannot guarantee that:

  • any ANZ website will be available as or when you require;
  • transmission will not be interrupted;
  • there will be no delays, failures, errors, omissions or loss of transmitted information;
  • transmissions do not contain viruses or other contaminating or destructive properties; or
  • no damage will occur to your computer system.

You are solely responsible for ensuring you are adequately protected by way appropriate programs, back up data and/or equipment. You must take reasonable and appropriate precautions to scan for computer viruses or other destructive properties. We make no representations or warranties regarding the accuracy, functionality or performance of any third party software that may be used in connection with any ANZ website.


ANZ group product information and supply

Material on this web site may contain general information about ANZ Group products and services. Unless expressly stated otherwise, this information:

  • does not constitute an offer or inducement to enter into a legally binding contract; and
  • does not form part of the terms and conditions for ANZ Group products and services.

For further information about a particular product or service please complete the e-form on the product or service page. Material on this web site does not apply to products obtained through ANZ Direct.

All applications for credit are subject to the ANZ Group's normal credit approval criteria.

Unless expressly agreed otherwise:

  • products and services discussed in the sections of the ANZ Web Site which refer to the various non-Australian operations of any ANZ Group member or discussed in web sites operated by any ANZ Group member outside Australia and linked to the ANZ Web Site (the "International Sections") will be provided only to residents of the jurisdiction to which a particular International Section applies, and only to the extent that those products and services comply with the laws of that jurisdiction.



While we have made every effort to ensure that information is free from error, the ANZ Group does not warrant the accuracy, adequacy or completeness of Material on this web site. All information is subject to change without notice. ANZ recommends that you seek independent advice before acting upon Material on this web site or Third Party Material. The ANZ Group does not guarantee that the ANZ Web Site or Third Party Web Sites will be free from viruses, or that access to the ANZ Web Site or Third Party Web Sites will be uninterrupted.


Limitation of liability

Subject to any responsibilities implied by law and which cannot be excluded, no member of the ANZ Group is liable to you for any losses, damages, liabilities, claims and expenses (including but not limited to legal costs and defence or settlement costs) whatsoever arising out of or referable to Material on the ANZ Web Site or to Third Party Material, whether in contract, tort including negligence, statute or otherwise.

Liability of any member of the ANZ Group for a breach of a condition or warranty implied by law or otherwise, and which cannot be excluded, is limited to the extent possible, at ANZ's option, to:

  • the supply of the goods or services again;
  • the repair of the goods; or
  • the payment of the cost of having the goods or services supplied again or repaired.



These Terms of Use (and the agreement constituted by your use of the information, graphics and materials on the ANZ Web Site) and your access to the ANZ Web Site may be terminated at any time by ANZ without notice. All restrictions, licences granted by you and all disclaimers and limitations of liability by the ANZ Group will survive termination, however, you will no longer be authorised to access the ANZ Web Site.



Unless expressly agreed otherwise:

  • each International Section is provided for use only by residents of the jurisdiction to which that International Section applies. The law applicable to use of each International Section and to disputes arising out of the International Section is the law of that jurisdiction.


Copyright and trademarks

Copyright in the Material on this Web Site is owned or licensed by the ANZ Group, or any other third party, where applicable.

Except where necessary for viewing the Material on this web site on your browser, or as permitted under the Copyright Act 1968 (Cth) or other applicable laws or these Terms of Use, no Material on this web site may be reproduced, adapted, uploaded to a third party, linked to, framed, performed in public, distributed or transmitted in any form by any process without the specific written consent of the ANZ.

"ANZ", and all associated trademarks, are trademarks of Australia and New Zealand Banking Group Limited.

Linking to ANZ Web Site

Please contact ANZ if you would like to place a link to any part of the ANZ Web Site.


Acceptance and changes to terms of use

You acknowledge and accept that your use of the ANZ Web Site indicates your acceptance of these Terms of Use and the Privacy and Security Statement.

These are the current Terms of Use. They replace any other terms of use for the ANZ Web Site published on the ANZ Web Site to date. ANZ may at any time vary the Terms of Use by publishing the varied Terms of Use on the ANZ Web Site. You accept that by doing this, ANZ has provided you with sufficient notice of the variation.