Simpler banking - Our company

Simpler banking

We're making banking simpler. We live in your world.

27 fees are disappearing without a trace

From 15th December 2009, we’re simplifying our fee structure to provide you with clear and straightforward banking. The key changes for ANZ personal accounts are:

removing 27 different fees and providing you with a fee-free service on those things you value and expect from us
reducing dishonour, late payment and overlimit fees on all your personal accounts. And we’re eliminating overdrawn (honour) fees altogether on everyday banking accounts when you’re overdrawn by less than $50
removing overdrawn, dishonour, late payment and overlimit fees for recipients of government benefits who have an ANZ Access Basic account.

More ATMs in more convenient locations

ANZ has added over 1000 new ATMs in the past five years to make it easier for you to access your money.

ANZ ATM Locator

Find your nearest ANZ ATM using the ANZ ATM locator tool. ANZ is putting on more ATMs in more convenient places.

Extended hours in selected branches

More ANZ branches are now open outside of normal business hours to make it convenient and simple for you to do business with us when it suits you.

24/7 ANZ Internet Banking Helpdesk

The Internet Banking Helpdesk is open 24 hours so you will be able to contact us at anytime if you are experiencing any difficulty with ANZ Internet Banking.

24/7 Call Centre

The call centre is open 24 hours a day, seven days a week, so you will be able to get in touch with us whenever it is convenient for you to discuss your banking needs.

Small Business Specialists available through every branch

We understand that Small Business customers want to have a banking relationship with someone who understands their unique needs. Therefore, we are putting on more Small Business Specialists across metropolitan and regional Australia. We already have over 400 Small Business Specialists, Business Banking Managers and Small Business Managers nationally, with another 130 either recently hired or on the way.

Retirement Banking Specialists

ANZ will be progressively introducing Retirement Banking Specialists in every ANZ branch nationally. Retirement Banking Specialists are already located in and are available at more than 220 ANZ branches. They offer complimentary advice and tailored banking solutions especially for people planning or already in retirement.

A brand new site to simplify your banking

Change the way you bank with the convenience of our recent product developments – SmartyPig¹, ANZ MoneyManager, ANZ iPhone Banking, ANZ Online Investment Account and ANZ ATM Locator. Visit www.anz.com/brandnew.

ANZ simpler home loan pre-approvals

Sometimes your dream home can appear when you least expect it. That's when you should talk to us about ANZ simpler home loan pre approval, to give you a guide of what you can borrow.

Mobile banking for your iPhone

ANZ Mobile Banking for the iPhone² allows you to log onto ANZ Internet Banking and use popular Internet Banking features, including:

viewing account balances
viewing transaction history up to 30 days
transferring between accounts**
pay Bills (via BPAY)**
completing Pay Anyone transactions**
locating ANZ ATMs, Branches, Business Centres and Night Safes;
contacting ANZ
viewing regular anz.com

** Excludes multiple, future or recurring transfers.

ANZ Online Saver

If you like to manage your money online, ANZ Online Saver could be for you. You can earn a competitive rate of interest on your savings, with no minimum balance required.³

**Connect to your ANZ E*TRADE account from ANZ Internet Banking**

You can now connect to your ANZ E*TRADE account directly from ANZ Internet Banking. In most cases you won't have to provide a separate login and password, making it even easier to manage your banking and share investing at the same time.⁴

**Free Share Trading Tax Summary – another online first from E*TRADE**

Tax time is now easier for E*TRADE investors with a FREE tax reporting service that’s integrated with their online trading account. With just a click of a button, investors who trade or have stock holdings with E*TRADE will be able to download an easy-to-use report at the end of each financial year that summarises the tax positions of their E*TRADE investing activity. And it’s not just stocks – the report includes dividends too. By choosing to automatically credit dividends to their ANZ E*TRADE Cash Investment Account, customers’ dividends will be included in the report, as well as the interest earned on those dividends.⁵

Disclaimers:

Any advice does not take into account your personal needs and financial circumstances and you should consider whether it is appropriate for you.

ANZ recommends you read the Product Disclosure Statement and the Financial Services Guide for the product before acquiring that product.

1. The SmartyPig account is a deposit product offered by Australia and New Zealand Banking Group Limited (ANZ) ABN 11 005 357 522. ANZ is trading as “SmartyPig”. “SmartyPig” is a Trademark of SmartyPig LLC, which is licensed to ANZ.

2. Currently available for Apple iPhone and iPod Touch only. iPhone and iPod Touch are trademarks of Apple Inc. Please refer to the Important Information about ANZ Mobile Banking (hyperlink).® Registered to BPAY Pty Ltd ABN 69 079 137 518 for further details. You must be an existing ANZ Internet Banking customer to use ANZ iPhone Banking.

3. ANZ Online Saver is only open to customers who are the account holders of, or signatories to, eligible ANZ deposit accounts with ANZ Internet and/or Phone Banking access. Eligible accounts include ANZ Access Advantage, ANZ Access Select, ANZ Access Basic, ANZ Access Deeming, ANZ Progress Saver, ANZ V2 PLUS, ANZ Premium Cash Management Account and ANZ Everyday Visa Debit. Terms and conditions and fees and charges apply to the eligible account.

4. The ANZ E*TRADE Online Investing service is provided by ETRADE Australia Securities Ltd (trading as "E*TRADE Australia") (ACN 078 174 973, AFSL No.238277), a Participant of the ASX Group. E*TRADE Australia is a subsidiary of ANZ and is a separate entity from ANZ. ANZ does not have any liability to you in respect of any information, product or service offered by E*TRADE Australia. Similarly, E*TRADE Australia does not have any liability to you in respect of ANZ’s activities and services. © 2003 E*TRADE Financial Corporation and E*TRADE Australia. All rights reserved. E*TRADE and the Asterisk Logo are registered trademarks of E*TRADE Financial Corporation or its subsidiaries and are used with permission.

5. E*TRADE customers will need to accept E*TRADE Australia’s Tax Tools (Standard) Terms and Conditions before downloading their free Share Trading Tax Summary. It is not to be used as a substitute for obtaining professional tax or investment advice.