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Changes to ANZ rates, fees and agreements

Changes to ANZ fees and charges

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

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