Changes to ANZ rates, fees and agreements

Changes to Terms and Conditions

We’re making changes to some of our Terms and Conditions. These changes will come into effect from 15 October 2025.

We’re changing some parts of these documents to enhance clarity, for consistency and to improve the way the products, services, rights and obligations are described.

Here’s a summary of the changes:

ANZ Savings & Transaction Products Terms and Conditions

• Amending the section describing how we can make changes to the terms and conditions, products and services. We have added more detail on the kinds of changes we might make to your product or service. We have also simplified the wording on how we will let you know of changes and the notice that we will give you.
• Updating the ways that we may give notice and communicate with you to allow for greater flexibility in how we get in touch with you.
• To give greater flexibility to how we return funds to you if your account is closed, we will no longer have to send a bank cheque.
• Providing greater clarity to customers on the governing law and jurisdiction of the Timor-Leste courts.
• Explaining in more detail how we calculate interest on non-business days.
• Adding the terms that apply when you arrange a Telegraphic Transfer.
• Updating some other details.

ANZ General Terms and Conditions

• Updating the Timor-Leste Country Schedule to include more information on how we calculate interest on non-business days.

The following documents will be updated to reflect these changes and will be available on our website and in our branch from 15 October 2025.   

• ANZ Savings & Transaction Products Terms and Conditions – (English) and (Portuguese) – Timor-Leste Edition
• ANZ General Terms and Conditions – Timor-Leste Country Schedule

If you have any questions, please contact us on +670 330 6100  or visit the ANZ branch.

Changes to ANZ trade fees and charges

Notice published  8 August 2025

We’re making changes to some of our fees and charges for trade customers. These changes will come into effect from 8 September 2025.

The main reason is to simplify the way our fees and charges work, or to reduce or remove them entirely.

Here’s a summary of the changes:

• Reducing the cost of fees for certain services
• Increasing certain fees to better reflect the cost of providing those products and services. These include:
  •  Import Documentary collections – Inward collection
  •  Export Documentary credits – Document handling fee
  •  Export Documentary collections – Outward collection
  •  Trade finance loans – Trade loan
• Consolidating similar fees into one fee to reduce complexity 
• Providing fee amounts where these were not provided; and
• Removing a number of fees from the documents where the service is seldom or no longer requested.

Further detail of these changes can be found on our fee changes page. If you have any questions, please contact us on +6703306100 or visit the ANZ branch.

An updated copy of the ANZ Timor-Leste Standard Trade and Supply Chain Tariffs document will be available from 8 September 2025 on the fees and charges page and in our branch upon request.