Pay to a BSB/Account number

How to pay to a BSB and Account number

"Pay Anyone" is an easy way to pay from your account to someone else's account. You can pay to any Australian financial institution (bank, building society, credit union).

You can make a Pay Anyone payment to a recipient’s BSB and Account number.

To make a payment to a BSB and Account number, you’ll need to be logged in to ANZ Internet Banking.

Step 1 - Navigate to "Pay Anyone"
  • Select the "Payments" menu.
  • Select "Pay Anyone".
Step 2 - Select an account to make your payment from
  • Select a payment account after doing the following:
    • Looking through your accounts; or
    • Filtering your accounts using the filter textbox (look for the magnifying glass):
      • Enter characters of your account’s BSB, Account number, Account name, Available funds or Current balance.
      • To filter on Available funds or Current balance, be sure to include any commas. E.g. 2,300 rather than 2300.
  • If you change your mind and want to select a different account, select the dropdown and then select a new account.
Step 3 - Select a BSB and Account number to make a payment to

Choose between three options:

Option 1 - Select an existing payee’s BSB and Account number

  • Select the payee you’d like 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 or any associated payment type.
    • Then either;
      • Select the payee’s BSB and Account number that you intend to pay to, if it is already set as the default payment type:
        • Select the payee you intend to pay to.
        • Note: the default payment type is listed underneath the payee’s nickname.
      • Select the payee’s BSB and Account number that you intend to pay to, if it isn’t set as the default payment type:
        • On the payees list, select “edit”.
        • This will open the edit payee modal.
        • Select the payment type that contains the payee’s Account name, BSB and Account number you intend to pay to.
        • Note: this will be set as your default payment for this payee after your payment has been submitted.

Option 2 – Add a BSB and Account number to 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 or payment type.
  • Under “Add a new payment type”, select “BSB/Acc number”.
  • Enter the payee’s Account name, BSB and Account number.
  • Check that the payment details (Account name, BSB and Account number) are correct before selecting “Continue”.
  • If you change your mind and want to select a different payee, select the dropdown and then select a new payee.
  • Note: this BSB and Account number will be saved as your default payment for this payee after your payment has been submitted.

Option 3 – Add a new payee

  • Select “Add a new payee”.
  • Under “Add a new payment type”, select “BSB/Acc number”.
  • Enter the payee’s Account name, BSB and Account number.
  • Check that the payment details (Account name, BSB and Account number) are correct before selecting “Continue”.
  • If you change your mind and want to select a different payee, select the dropdown and then select a new payee.
  • Note: you’ll be able to save this payee after your payment has been successfully submitted.
Step 4 – 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.

You can enter a maximum of 18 characters if you’re making a payment to this BSB and Account number for the first time. For subsequent payments to this BSB and Account number, you may be able to enter up to 280 characters if your payment is being sent via the Osko service.

End-to-end ID (optional): If you’re making a payment to a business or organisation they may request that you also enter a customer reference into the end-to-end ID field.

Note: The end-to-end ID field will only be available when you’re making a Pay Anyone payment to be sent via the Osko service from an eligible ANZ business account.

Step 5 - Select your payment schedule
  • Select your payment schedule from the three "When" 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. (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: ANZ may not be able to recover incorrectly addressed payments, so be sure to check you’ve entered the correct payment details.
  • 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.
  • If you’ve added a new payment type to an existing payee this will automatically be saved to your payee and set as the new default payment.
  • If you’ve paid to a new payee, you can save the payee to your payee by following these steps:
    • Select “Save payee”.
    • Enter a nickname for your new payee.
    • Select “Save”.
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.
  • ANZ may not be able to recover incorrectly addressed payments, so be sure to check you’ve entered the correct payment details.
  • 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?

 

What is a BSB/Acc number?

When selecting your payment type “BSB/Acc number” is the abbreviated form of BSB and Account number. When you select “BSB/Acc number” you will be prompted to enter your payee’s BSB and Account number as well as their account name.

What is a payment type?

A payment type is the identifier that you address your payment to. 

A payment type can be a BSB and Account number, phone number, email address, ABN/ACN or Organisation ID (Org ID) that is linked to a bank account.

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 the daily limit and activate it before you can start making payments.

 

If you're not registered for ANZ Shield:

  • Customers with personal accounts may request for $1,000, $5,000 or $10,000. The request for $1,000 will be activated immediately and you can start making payment on the same day
  • Customers with business accounts may request for $5,000, $10,000, $15,000 or $25,000 as their daily Pay Anyone limit
  • ANZ Internet Banking for Business customers may request for a daily Pay Anyone limit of up to $1,000,000.

 

Please note: The $1,000,000 limit requires higher authentication by ANZ and you may be contacted for further information to verify payment details.

If this information cannot be verified, payments may be cancelled

 

If you're registered for ANZ Shield:

In addition to the daily limits listed above,

  • Customers with personal accounts can get instant access to higher daily Pay Anyone limits of $15,000 or $25,000; and
  • Customers with business accounts can get instant access to a higher daily Pay Anyone limit of $50,000.
Who can I transfer funds to?

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

  • The payee's account details, which includes their;
    • Account number, which is numeric,
    • BSB number that is exactly six digits and identifies the bank and branch of the payee and
    • Account name, or;
Can I transfer funds overseas using Pay Anyone?

Rather than using Pay Anyone to transfer funds overseas, you'll need to perform an International Money Transfer. However, you'll first need to be registered for International Services.

Can I use Pay Anyone to transfer to a credit card account?

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

Can I use Pay Anyone to transfer from my ANZ Credit Card?

Yes. You can transfer funds from an ANZ Credit Card using Pay Anyone. However, 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 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 find the reason that 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.
  • Find out more about past payments/transfer
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 edit a future-dated payment/transfer?

Can I skip a recurring Pay Anyone payment?

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

Skip/unskip future payment/transfer

How do I delete Pay Anyone payments?

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 in ANZ Internet Banking.

  • Alternatively, 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 the recipient to receive my funds?

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.  ANZ will generally process Pay Anyone instructions:

  • In near real time, or on the future date you have selected, if the Pay Anyone transfer can be made through the Osko® service;
  • If the Pay Anyone transfer can’t be made via the Osko® service, in the following way:
  • Payments for "Today" submitted before 6.00pm Melbourne time on a bank business day are processed on that day.
  • Payments for "Today" submitted after 6.00pm Melbourne time or on weekends or public holidays are processed on the next bank business day.

If your recipient’s bank is registered to the Osko service then the recipient may receive your payment in near real time, regardless of when it is submitted.

What is an end-to-end ID?

An end-to-end ID is an identifier used by businesses or organisations to classify and organise the payments they receive. You can only enter an end-to-end ID for payments sent via the Osko service.

 

Entering an end-to-end ID is not required to proceed with your Pay Anyone payment, but may be requested by your payee.

Important notes
  • When transferring to a BSB and Account number, it is your responsibility to ensure that the details provided by you are correct or your payment may be sent to the wrong account. ANZ does not check that the details provided by you are correct.
  • When transferring to a PayID, it is your responsibility to check that the PayID you’ve entered belongs to the person that you intend to pay.
  • You cannot delete or cancel an immediate payment or a payment to be processed today.
  • 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.
  • You cannot amend a recurring payment. You must delete the existing recurring payment series by selecting the recurring payment series from the Manage future payments / transfers function and then set up a new recurring payment series.
  • Payments from your ANZ Credit Card are treated as a cash advance, which 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.