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 making changes to 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 Tonga courts.
• Explaining in more detail how we calculate interest on non-business days and updating some of the sections on processing of electronic payments. This includes adding a page on our website providing more information.
• Adding the terms that apply when you arrange a Telegraphic Transfer.
• Adding references to the ANZ Pacific App.
• Updating some other details.

 ANZ Electronic Banking Conditions

• Updating some of the sections on processing of electronic payments. This includes adding a page on our website providing more information.
• Providing more information on what to do if you are not happy with how we have resolved a complaint.

ANZ General Terms and Conditions

• Updating the Tonga 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 – Tonga Edition
• ANZ Electronic Banking Conditions
• ANZ General Terms and Conditions – Tonga Country Schedule

If you have any questions, please contact us.

Changes to branch opening hours

Notice published 3 March 2025

We’ll be changing our branch opening hours from 9.00am - 4.00pm to 9.30am - 3.30pm, effective 31 March 2025.

We will be updating the ANZ Savings and Transaction Products Terms & Conditions to reflect this change. 

An updated copy of the ANZ Savings and Transaction Products Terms & Conditions will be available from 31 March 2025 on our product terms and conditions page and in our branches upon request.

We’re making changes to some of our fees and charges for personal, business and commercial customers. These changes will come into effect from 5 August 2024. 

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:

• Introduction of two new fees (cheque book fee and a monthly account fee for foreign currency accounts) to reflect the costs to ANZ of providing these services. 
• Reducing the cost of fees for certain services, such as unarranged overdraft fees.
• Increasing certain fees to better reflect the cost to us of providing those products and services. These include:
  • ATM withdrawal fee for Personal Cheque and Business customers
  • Loan approval fees for some loan amounts
  • Line fee for some customers with a Business Overdraft 
  • Printing fee for photocopying requests
  • Deposit books
  • Card replacement fee for Local Access Cards
  • Term Deposit early withdrawal fee (break fee) in some circumstances
• Combining similar fees into one fee to reduce complexity.
• Simplifying retail loan approval fees, so that all of our customers are charged the same fee for all home loan purposes and are not charged more for higher loan amounts.
• Simplifying business and commercial fees to reduce complexity. 
• Removing some fees and services. 
• Making some other changes to the documents.

Further detail of these changes in English and Tongan can be found on our fee changes page. If you have any questions, please contact us on +676 20500 or visit an ANZ branch.

These documents will be updated to reflect the changes: 

• ANZ Savings & Transaction Products Terms and Conditions 
• ANZ Fees and Charges Customer Banking Services
• ANZ Consumer Lending Products Terms and Conditions

Updated copies of these documents will be available from 5 August 2024 on our fees and charges page or our product terms and conditions page and in our branches upon request.

Changes to the ANZ Electronic Banking Conditions

We are removing the requirement to notify customers of functional changes or upgrades to electronic banking services, from the ANZ Electronic Banking Conditions.

This change will take effect on 8 April 2024.

The updated ANZ Electronic Banking Conditions will be available online, from 8 April 2024.

Changes to the ANZ Pacific POS Merchant Services Terms and Conditions

Effective from 1 July 2023

We’re updating the ANZ Pacific POS Merchant Services Terms and Conditions to include specific terms and conditions for merchant-initiated recurring transactions. These changes will be effective from 1 July 2023.

For any information on merchant-initiated recurring transactions, please contact our ANZ Digital Channels team on ebsolution@anz.com.

The updated ANZ Pacific POS Merchant Services Terms and Conditions will be available on our product terms and conditions page from 1 July 2023.