Transfer between my accounts

ANZ Internet Banking allows you to transfer money between your ANZ accounts that you have linked to ANZ Internet Banking. 

Step 1 - Navigate to "Transfer between my accounts"
  • Select "Payments" menu
  • Select "Transfer between my accounts".
Step 2 - Select an account to make your transfer from
  • Only valid accounts for this transaction type will display.
Step 3 - Select an account to transfer to
  • Only valid accounts for this transaction type will display.
Step 4 - Enter your transfer details
  • Enter the amount you wish to transfer
  • Choose your transfer schedule
    • Today: to make a transfer today
    • Later: to make a transfer at a future date
    • Recurring: to create a schedule of regular transfers by setting the frequency, start and end date

Note: you cannot schedule a transfer for more than 10 years from the start date. 

Select "Continue" to progress to the next step.

Step 5 - Review and confirm your information

Review all your information to ensure it is correct.

  • If you notice mistakes select "Back" and re-enter the correct details following Steps 2-4.
  • When you are happy with the information entered select "Confirm". This will complete the transfer and a confirmation message will display.

ANZ Internet Banking for Business Operators can select on the "Request authorisation" button to submit the transfer to the relevant Authoriser for approval.

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

Withdrawals from an ANZ Share Investing account are not available via ANZ Internet Banking. To make a withdrawal from your ANZ Share Investing account:

Stopping or deleting payments

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

Need more help?

Use our frequently asked questions to find out more about transferring funds between accounts.

Why aren't all my accounts displayed when I want to make a transfer?

Only valid linked accounts with appropriate access levels display when you are transferring between your accounts.

For example, you cannot transfer funds from most home loans; however you can transfer funds to most home loans. Therefore, your home loan account will only be displayed in the “Select an account to make your transfer to" section.

Do I need to link an account before I can use it to transact online?

Yes. The account needs to be linked to your ANZ Internet Banking before you can use it to transact online. You can link an account to your ANZ Internet Banking in one of three ways:

  • Use the link my accounts function in ANZ Internet Banking - this will take 24-48 hours
  • Contact the ANZ Internet Banking Helpdesk on 13 33 50 (International callers: +61 3 9683 8833) 24 hours a day, seven days a week - this provides immediate access
  • Visit your nearest ANZ branch - this provides immediate access.

If you are an ANZ Internet Banking for Business customer, please download, print, complete and fax the maintenance form to request an account be linked.

Find out more about managing ANZ Internet Banking for Business access:

What's the maximum I can transfer between my accounts?

There is no maximum or minimum limit when transferring funds between your linked accounts. You can transfer any available funds between accounts.

Can I make multiple transfers between my accounts?

You can create a mix of multiple payments and transfers between your accounts via the Schedule multiple payments/transfers function.

Alternatively, if you're an ANZ business customer, you have another option:

How long does it take for the transfer to go through?

The funds are available immediately after processing.

  • Immediate transfers made via ANZ Internet Banking or ANZ Internet Banking for Business will be processed to your account on the same day, provided they are made before 10pm Melbourne time Monday to Friday (excluding national public holidays) for funds transfers.
  • Any transaction made after this time may be processed on the following business day or Banking Business Day. A Banking Business Day is a day on which banks in Melbourne or Sydney are able to effect settlement through the Reserve Bank of Australia.
Can I future date a transfer between my accounts?

Yes, you can easily future-date your transfers by changing the transfer schedule to "Later" or "Recurring" and entering a future date.

Can I use transfer between my accounts to pay my ANZ Credit Card?

"Transfer between my ANZ accounts" can be used to make a one-off payment to your linked ANZ Credit Card or set up a recurring payment of the same amount to your linked ANZ Credit Card.

You may also use the "Pay ANZ Credit Card" to arrange regular payments to your ANZ Credit Card on the due date, or at regular intervals from one of your linked accounts.

Find out more about paying your ANZ Credit Card:

Can I use the transfer between my accounts function to make direct loan payments?

This function can only be used to make a one-off payment to your loan. Find out how to make regular direct loan payments:

Why can't I transfer from my linked ANZ Share Investing account?

As part of the terms and conditions of an ANZ Share Investing account, you are unable to transfer funds from this account using ANZ Internet Banking.  However, you may transfer funds from another linked ANZ account into your ANZ Share Investing Account via ANZ Internet Banking.

Where can I see payments or transfers I've made in the past?
Can I schedule future dated transfers?

Yes, you can easily schedule future-dated transfers by changing the transfer schedule to "Later" or "Recurring" and entering a future date.

Where can I see transfers I've scheduled for future dates?
I need to delete a future dated transfer - how can I do this?
Important notes
  • When you request future-dated or recurring transfers please remember that cleared funds must be available in your account at 11.59pm Melbourne time on the day before the scheduled transfer.
  • If your enquiry relates to a transfer with a "Status Unknown" message, please call the ANZ Internet Banking Helpdesk on 13 33 50 (International callers dial +61 3 9683 8833), 24 hours a day, seven days a week.
  • Immediate transfers made via ANZ Internet Banking or ANZ Internet Banking for Business will be processed to your account on the same day, provided they are made before 10pm Melbourne time, Monday to Friday (excluding national public holidays) for funds transfers.
  • Any transfer made after this time may be processed on the following business day or Banking Business Day. A Banking Business Day is a day on which banks in Melbourne or Sydney are able to effect settlement through the Reserve Bank of Australia.
  • All future-dated transfers will be processed by us on the morning of the date requested unless the payment date falls on a weekend or public holiday, in which case the transfer will be processed on the next bank business day.
  • Transfers from your ANZ Credit Card will be treated as a cash advance, a fee may be charged and interest will accrue accordingly.

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.

® BPAY is registered to BPAY Pty Ltd ABN 69 079 137 518