Make a Pay Anyone payment

"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.

Making a Pay Anyone payment is easy.

Step 1 - Navigate to "Pay Anyone"
  • Select "Payments" menu.
  • Select "Pay Anyone"
Step 2 - Select an account to make your payment from

All of your ANZ accounts from which you can make a payment and which are linked to ANZ Internet Banking will be displayed. Select the account you wish to make a payment from. 

Step 3 - Select a payee to make a payment to

Choose between two options.

Option 1 - Select one of the existing payees that are displayed

  • Use this option if you've previously saved the payee's information and the details have not changed.
  • You don't need to re-save their details if they are already in your payee list, so ensure the "Save this payee to my payees list'" box is left unchecked.

Option 2 - Add a new payee

  • If you are paying a new payee, enter their account details including account name, BSB (six digit number) and account number.

If you plan to save this payee to your payee list:

  • Enter a payee nickname to help you identify them for future payment
  • Select “Save this payee to my payees list”.
Step 4 - Enter the payment details

Amount: enter the amount you wish to pay, using a decimal point, if applicable.

Message/Reference: enter a message to appear on the payee's statement.

  • Make sure the message clearly represents your payment.
  • For example, if you are paying a bill you may need to include an invoice number, or perhaps your own name or the name of your business.

Your name/Business name: fill in either your own name or the name of your business if appropriate.

  • This will appear on the payee's statement so make sure the text makes your identity clear to the payee. This must only contain letters, hyphens and spaces (no special characters. E.g. _/@#%^*).
  • You can enter a maximum of 16 characters.

Make payment: You can select from a range of options to set up your payment.

  • Today: to make a payment today
  • Later: to make a payment at a future date
  • Recurring: to create a schedule of regular payments by setting the frequency, start and end date

Note: you cannot schedule a payment for more than 1 year from the start date.

Select "Continue" to progress to the next step. 

Step 5 - Review and confirm your payment details
  • Review all your information to ensure it is correct. If you enter an incorrect BSB and/or account number, your funds may be paid to an unintended recipient and they may not be recovered. ANZ does not check the account name matches the account number. If you notice mistakes select "Back" and re-enter the correct details following Steps 2-5.
  • When you are happy with the information entered select "Confirm".
  • This will complete the payment and a confirmation message will display.

ANZ Internet Banking for Business Operators can click on the "Request authorisation" button to submit the Pay Anyone payment to the relevant Authoriser for approval.

Step 6 - View your lodgement receipt
  • Your lodgement receipt is displayed to confirm that your payment has been submitted successfully.
  • You will also receive a receipt number when your payment is actually processed
  • This does not mean the payment will be processed successfully as that is dependent on the details you have entered being accurate, and on funds being available for the payment to occur on the set date(s).
  • Please make a note of the receipt number and lodgement number for your own records.
Important notes

When you are transferring money it is your responsibility to ensure the details you provide are correct. 

  • If you enter an incorrect BSB and/or account number, your funds may be paid to an unintended recipient and they may not be recovered. ANZ does not check the account name matches the account number. Future dated payments require cleared funds in your account prior to 11.59pm Melbourne time on the day before the scheduled payment date, or your payment will be unsuccessful.
  • If you have a query about a Pay Anyone payment you can use the ANZ Internet Banking function  Enquire about a past funds transfer or Pay Anyone payment or call the ANZ Internet Banking Helpdesk on 13 33 50 (International callers: +61 3 9683 8833) 24 hours a day, seven days a week.
How long does it take for money to be transferred?
  • Payments are processed overnight on bank business days. The time that it takes for the payee's account to be credited will vary depending on the policy and systems of the bank the account is held with.
  • Immediate payments submitted before 6.00pm Melbourne time on a bank business day are processed on that day.
  • Immediate payments submitted after 6.00pm Melbourne time or on weekends or public holidays are processed on the next bank business day.
How to stop recurring or future Pay Anyone payments

You cannot delete immediate payments. However you can stop future or recurring payments if necessary. If you wish to delete a future dated or recurring payment, the request must be lodged with ANZ Internet Banking prior to 11.59pm Melbourne time the day before payment.

Need more help?

Use our frequently asked questions to find out more about making a Pay Anyone payment.

How much can I transfer using Pay Anyone?

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

  • If you are a personal customer using ANZ Internet Banking your daily limit range is $1,000, $5,000 or $10,000 (or up to $25,000 if registered for ANZ Shield). 
  • If you are a business customer using ANZ Internet Banking your daily limit range is $5,000, $10,000, $15,000 or $25,000 (or up to $50,000 if registered for ANZ Shield).
  • If you are an eligible ANZ Internet Banking for Business user, a higher daily limit up to $1,000,000 can apply.
Who can I transfer to?

You can transfer funds from your account to any Australian financial institution (bank, building society, credit union) account.

Can I transfer funds overseas using Pay Anyone?

No. You cannot transfer funds overseas using Pay Anyone. You need to be registered for International Services to transfer funds to overseas bank accounts.

Can I transfer funds to a credit card account using Pay Anyone?

No. You cannot use Pay Anyone to transfer funds to a credit card (including your own ANZ Credit Card).

  • To pay your ANZ credit card, use the "Pay ANZ credit card" or "Transfer between my accounts" from the "Payments" menu. 
  • Your credit card will need to be linked to your ANZ Internet Banking.
  • To make payment to a credit card that is not linked to your ANZ Internet Banking, use the "Pay BPAY bills" from the "Payments" menu.
Can I transfer from my ANZ credit card using Pay Anyone?

Yes. You can transfer from an ANZ credit card using Pay Anyone. This will be treated as a cash advance and may incur a fee (interest is applicable).

What do I put in the "Your name/business name" field?

You must fill in your name under the "Your name/business name" field.

  • This will appear in the payee's statement.
  • If you are making a payment from your business account, you may also fill in your business name.
What if my Pay Anyone payment cannot be processed?

If your Pay Anyone payment cannot be processed, the status will show as "failed" and there will be no receipt number displayed.

  • You can check the details of the payment to check the reason the payment failed.
  • If your Pay Anyone payment fails, the funds will not be deducted from your account.
  • Once you check the reason for the failed payment, you can make necessary changes to make the Pay Anyone payment again.
How can I edit a Pay Anyone payment scheduled for today?

Pay Anyone transfers scheduled for today cannot be cancelled or edited.

To delete a scheduled future or recurring payment: 

  • Go to the "Payments" menu
  • Select "Manage future payments / transfers
  • Select the transfer or payment you wish to delete, then select "Delete"
  • This will immediately delete the selected future dated or recurring payment.
  • The request must be lodged with ANZ Internet Banking prior to 11.59pm Melbourne time the day prior to payment.
  • Once the existing payment is deleted, you can then set up a new payment with the required changes.
Can I skip a recurring Pay Anyone payment?

Yes. You can skip a future payment/transfer or bill payment from a recurring sequence. To do so, go to "Manage future payments / transfers" page, select your future payment and then choose to "Skip next". You can also un-skip the scheduled payment in the same way. 

If you wish to skip a transfer, the request must be lodged with ANZ Internet Banking prior to 11.59pm Melbourne time on the day prior to payment.

How do I delete Pay Anyone payments?

Once the payment is confirmed and is processed using ANZ Internet Banking, the payment cannot be deleted or cancelled.

  • If you enter an incorrect BSB and/or account number, your funds may be paid to an unintended recipient and they may not be recovered. ANZ does not check the account name matches the account number.If you have a query about a payment or think you may have entered the incorrect payment details, you can you can enquire about a past funds transfer or Pay Anyone payment.
  • It is your responsibility to ensure that the details provided by you are correct or your payment may be made to an incorrect payee. We do not check that the details provided by you are correct.
  • You may contact the ANZ Internet Banking Helpdesk on 13 33 50 (International callers: +61 3 9683 8833) 24 hours a day, seven days a week to lodge a Pay Anyone dispute for the transaction.
  • It may take up to 6-8 weeks for the resolution of a Pay Anyone dispute.
If I enter the wrong details can I get refunded for the payment?

Once the payment is confirmed and is processed via ANZ Internet Banking, the payment cannot be deleted or cancelled.

  • If you have a query about a payment or think you may have entered the incorrect payment details, you can enquire about a past funds transfer or Pay Anyone payment.
  • You may contact the ANZ Internet Banking Helpdesk on 13 33 50 (International callers: +61 3 9683 8833) 24 hours a day, seven days a week to lodge a Pay Anyone dispute for the transaction.
  • Please be advised that it may take up to 6-8 weeks for the resolution of any Pay Anyone dispute.
How long does it take for money to be transferred?
  • Transfers are processed overnight on bank business days. The time that it takes for the payee's account to be credited will vary depending on the policy and systems of the payee's bank.
  • Immediate payments/transfers submitted before 6.00pm Melbourne time on a bank business day are processed on that day.
  • Immediate payments/transfers submitted after 6.00pm Melbourne time or on weekends or public holidays are processed on the next bank business day.
Important notes
  • It is your responsibility to ensure that the details provided by you are correct or your payment may be made to an incorrect account. We do not check that the details provided by you are correct.
  • Transfers are processed overnight on bank business days. When the payee's account will be credited will depend on the policy and systems of the payee's bank.
  • Immediate payments/transfers submitted before 6.00pm Melbourne time on a bank business day are processed on that day, but if submitted after 6.00pm Melbourne time or on weekends or public holidays are processed on the next bank business day.
  • You cannot delete or cancel an immediate transfer or a transfer to be processed today.
  • Future-dated payments/transfers require cleared funds in your account at 11.59pm Melbourne time on the day before the scheduled payment/transfer date or your payment will be unsuccessful.
  • You cannot amend a recurring transfer. You must delete the existing recurring transfer series by selecting the recurring transfer series under the "Manage future payments / transfers" menu and then set up a new recurring transfer series.
  • Transfers from your ANZ credit card are treated as a cash advance, this may involve a fee (interest is applicable).

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.