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.

  • Please note, you can’t use Pay Anyone to transfer funds overseas, or to your ANZ Credit Card account, or to a non ANZ Credit Card account.

Making a Pay Anyone payment is easy.

Step 1 - Navigate to "Pay Anyone"
  • Select the "Payments" menu
  • Select "Pay Anyone".
Step 2 - Select an account to make your payment from
Step 3 - Select a payee to make a payment to

Choose between two options:

Option 1 - Select an existing payee

  • Select the payee you wish to pay after doing the following:
    • looking through your payees; or
    • filtering your payees using the filter textbox (look for the magnifying glass).
      • Enter characters of your payee’s nickname, BSB, Account Number or Account Name
  • If you change your mind and want to select a different payee, either:
    • Select the new payee (if the view toggle is set to “Tile”);or
    • Select the dropdown and then select a new payee (if the view toggle is set to “List”)
  • Note: If you need to delete or save changes to an existing payee in your payee list, you can’t do it from here. Find out how to make changes to your Pay Anyone payee list.

Option 2 - Create a new payee

  • Select “Create new payee”
  • Enter the payee's details including account name, BSB and Account number
  • Enter a nickname for your payee
  • If you want this payee to be available for other Pay Anyone payments, select “Save this payee to my payees list”
  • Select “Continue”
  • Note: the system will only save the payee to your Payee list once you reach step 7.
Step 4 - Enter your payment details

Enter the payment details:

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

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.

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.

Step 5 - Select your payment schedule

Select your payment schedule from the three "Make payment" options:

Option 1 - Create a one off bill payment for today

  • Select the "Today" option (if not already selected)

Option 2 - Create a one-off payment for a future date

  • Select the "Later" option
  • Enter or select a date for your payment. The date must fall within the next 12 months.

Option 3 - Create a schedule of regular payments

  • Select the "Recurring" option
  • Select the "Frequency" of your payments. Either Daily, Weekly, Fortnightly, Monthly, Quarterly, Semi-annually or Annually.
  • Enter or select a start date. Your first payment will be made on this date
  • Specify when you want the payment schedule to end. The options are:
    • Never: The payments will continue to be made until you delete the scheduled payment(s). See Delete a future payment/transfer for more information
    • After: Enter the number of payments to be made
    • On:  Enter or select a date using the calendar icon. Payments will continue until this date. This must be a date within the next 10 years.
  • Select "Continue" to proceed.
Step 6 - Review and confirm
  • Review all your information to ensure it is correct. If you notice mistakes, select "Back" and re-enter the correct details following steps 2-5.
  • Note: 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.
  • When you are happy with the information entered, select "Confirm"

    If you are an ANZ Internet Banking for Business Operator, you will instead select the "Request authorisation" button to submit the Pay Anyone payment to the relevant Authoriser for approval.
Step 7 - View your lodgement receipt
  • Your lodgement receipt is displayed to confirm that your payment has been submitted successfully
  • You’ll also receive a receipt number immediately if you selected “Today” as your payment schedule. If the payment is scheduled for a future date, the receipt number will be available once your payment is actually processed.
  • The lodgement receipt doesn’t necessarily mean the payment will be processed successfully as that is dependent on the details you have entered being accurate, and on sufficient funds being available on the set date(s)
  • Please make a note of the lodgement number and receipt number (if available) for your own records.
Important notes

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

  • 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.
  • When you're making a payment, 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.
  • If you have made a mistake in your payment, you can send the details via 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.

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?
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?
Can I transfer funds to a credit card account using Pay Anyone?
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 can't be processed?

If your Pay Anyone payment can't be processed, the status will show as "Failed" and there will be no receipt number displayed.

  • If your Pay Anyone payment fails, the funds will not be deducted from your account
  • You can view details of the past payment to determine why the payment failed
  • Once you've verified which payment details caused the failed payment, you can make necessary changes to create a new Pay Anyone payment.
How can I edit a Pay Anyone payment scheduled for today?

Pay Anyone payments scheduled for today can't be cancelled or edited. You can only edit payments scheduled for a future date.

Can I skip a recurring Pay Anyone payment?

Yes. You can skip a future payment/transfer or bill payment from a recurring sequence:

How do I delete a Pay Anyone payment?

You can only delete your payment if it is scheduled for a future date:

If your payment is scheduled for today, ANZ can’t cancel the Pay Anyone payment, but you can:

  • enquire about a past funds transfer or Pay Anyone payment in ANZ Internet Banking; or
  • contact the ANZ Internet Banking Helpdesk on 13 33 50 (International callers: +61 3 9683 8833) 24 hours a day, seven days a week
  • 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?

If your payment has already been processed, and you think you may have entered the incorrect payment details, you can enquire about a past funds transfer or Pay Anyone payment.

  • Alternativelly, 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
  • 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?
How can I find my payees more easily?

If you have a lot of payees in your Payee list, and you are finding it difficult to locate your payee when making a Pay Anyone payment, you can try one or both of the below methods:

  • Change the view toggle. You can choose to view your payees either in a multi-column ‘Tile’ view, or a more traditional single column ‘List’ view
  • Use the filter textbox. You can type characters into the filter textbox (look for the magnifying glass) to reduce the number of payees displayed. Only the payees matching what you’ve typed will be shown.
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.
  • Payments 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 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.
  • Future-dated payments require cleared funds in your account at 11.59pm Melbourne time on the day before the scheduled payment date or your payment will be unsuccessful.
  • Payments 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.