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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 15 April 2024

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

We have summarised the changes below.

  • Reducing the cost of fees for certain services.
  • Increasing certain fees to better reflect the cost to us of providing those products and services, and where there are alternative options available to our customers that do not have a fee.
  • Combining similar fees into one fee to reduce complexity.
  • Changing fee charging frequency from quarterly to monthly for some fees. 
  • 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.
  • Making some other changes to the documents.

Further detail of these changes can be found on our fee changes page. If you have any questions, please do not hesitate to contact us on +678 26355 or visit an ANZ branch.

The following documents will be updated to reflect these changes:

  • ANZ Savings & Transaction Products Terms and Conditions, 
  • ANZ Fees and Charges Customer Banking Services (previously Transaction and Savings Account Fees and Charges Guide), and
  • ANZ Consumer Lending Products Terms and Conditions

Updated copies of these documents will be available from 15 April 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.

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