Electronic payment processing times

Same-day electronic payments

Same-day payments are funds transfers and bill payments which are paid straightaway. 

Payments to local ANZ accounts

We take the money from your account immediately. If you make the payment before 11.00pm, it will be sent to the ANZ account you’re paying the same day.

Future-dated and automatic payments

Future-dated and scheduled payments include funds transfers and payments that you’ve set up to be paid on a particular date – either as a one-off payment or a regular (automatic) payment.

Payments to local ANZ accounts

We take the money from your account, if there's enough, from as early as 12.30am on the payment date and send it to the ANZ account you're paying immediately. 

For scheduled payments, you can only make your first payment after the day you set it up.

These payment processing times do not include our BillPay Service. Please refer to your terms and conditions  for information on the BillPay Service.

Tips to avoid payment errors

•  Take extra care when entering payment details.
•  Pause to think if you could be caught up in a scam. 
•  Double check the amount and the account number before confirming a payment. 

Retrieving payments made in error

If you make a mistake: 

• If you know the person or company you’ve paid (e.g. you’ve paid the wrong electrician), it’s best to contact them yourself and ask them to return the money.
• If you don’t know who you’ve sent money to (e.g. you’ve entered the wrong account number), call us immediately on +686 74021095. We may be able to help by contacting the other bank or the other ANZ customer you’ve paid. 

We can’t stop a payment if you make a mistake, and there’s no guarantee you’ll get the money back. We’re not required to get involved in disputes between you and anyone receiving your payment but will help if we can.

We aim to process your payments on time

While we do our best to meet these timeframes, there may occasionally be delays due to factors outside our control such as system outages, service interruptions, or natural disasters.