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Make or change future payments

You can easily manage any payments (including bill payments) and transfers that you've scheduled for a future date in ANZ Internet Banking and the ANZ App. That’s handy!

What you need to know about future payments/transfers

Have the funds ready

Future-dated payments or transfers require cleared funds in your account at 11.59pm (AEST/AEDT) on the day before the scheduled date. If funds are not available, your payment or transfer will be unsuccessful.

You set the date

A future-dated payment or transfer will be processed on the morning of the date you requested and sent via the fastest method available. If the scheduled date falls on a weekend or public holiday (excl. Osko payments), it will be processed on the next bank business day. 

Changes up to the day before payment

If you wish to change, delete or skip a payment or transfer, the request must be lodged with ANZ Internet Banking or in the ANZ App prior to 11.59pm (AEST/AEDT) on the day prior to the payment’s scheduled date.

What is Osko?

Osko is a payment method used by ANZ and other participating financial institutions to send payments faster, smarter and simpler at any time, on any day of the year between eligible accounts (PDF 109kB)disclaimer.

To use Osko, you don't need to do anything differently, just send the payment via Internet Banking or the ANZ App and ANZ will route the payment the fastest way possible. If both the sending and receiving accounts are Osko enabled, the payment should be made fast - even between different banks.

View future payments/transfers

How to view future payments/ transfers in the ANZ App

To view your payments/ transfers:

  1. Log in to the ANZ App
  2. Tap Accounts, then More, then View future payments/ transfers

You will then see a summary of any future dated payments and transfers scheduled for your accounts.

How to view future payments/transfers in Internet Banking

To view your future payments/transfers:

  1. Log in to Internet Banking 
  2. Go to the Payments menu
  3. Select Manage future payments / transfers

This will display a summary of any future dated payments and transfers scheduled for your accounts.

Change and view details of a future payment

Any requests to change a future-dated payment or transfer must be lodged before 11.59pm (AEST/AEDT) on the day before the payment date.

How to change and view a future payment in the ANZ App

To view/change your future payments/transfers:

  1. Log in to the ANZ App
  2. Tap Accounts, then More, then Future payments/ transfers
  3. Select the payment or transfer you would like to change
  4. Then tap Edit to make your changes and follow the prompts

How to change and view a future payment in Internet Banking

To view/change your future payments/transfers:

  1. Log in to ANZ Internet Banking
  2. Go to the Payments menu
  3. Select Manage future payments / transfers
  4. Choose the payment you’d like to view or change
  5. To change the displayed details, click the Edit button
  6. Amend details as needed and follow the prompts.

Skip or unskip a future payment/transfer

If you have created a recurring payment or transfer in ANZ Internet Banking or the ANZ App, you can easily skip the next scheduled payment/transfer if you need to.

Any requests to skip or unskip a future-dated payment or transfer must be lodged before 11.59pm (AEST/AEDT) on the day before the payment date.

How to skip/unskip a future payment in the ANZ App

To view/change your future payments/transfers:

  1. Log in to the ANZ App
  2. Tap Accounts, then More, then Future payments/ transfers
  3. Select the payment or transfer you would like to skip
  4. Then tap Skip Next Scheduled Transfer and follow the prompts

How to skip/unskip a future payment in Internet Banking

To view/change your future payments/transfers:

  1. Log in to ANZ Internet Banking
  2. Go to the Payments menu
  3. Select Manage future payments / transfers
  4. Choose the payment you’d like to skip or unskip
  5. Click the Skip next button or Unskip next to reverse a previously skipped payment

Delete a future payment

Any requests to delete a future-dated payment or transfer must be lodged before 11.59pm (AEST/AEDT) on the day before the payment date.

How to delete a future payment in the ANZ App

To delete a future payment/transfer:

  1. Log in to the ANZ App
  2. Tap Accounts, then More, then Future payments/ transfers
  3. Select the payment or transfer you would like to delete
  4. Then tap Delete and follow the prompts

The payment will have a Deleted status until the scheduled payment date.

How to delete a future payment in Internet Banking

To delete a future payment/transfer:

  1. Log in to ANZ Internet Banking
  2. Go to the Payments menu
  3. Select Manage future payments / transfers
  4. Choose the payment you’d like to delete
  5. Click the Delete button
  6. Follow the prompts.

Your Manage future payments/transfers page will reflect the deleted payment with a Deleted status on the right hand side. The payment will continue to appear on this page until the due date when it will move to the View past payments/transfers function.

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Your questions answered

No. Any payment/transfer that has been deleted cannot be reactivated.

The deleted payment/ transfer will be listed in the ANZ App and in the Manage Future Payments/Transfers page in Internet Banking until the scheduled payment date.

If your payment/transfer is a one-off, you will not be able to skip it.

If you want to change the payment/transfer date you will need to delete the future payment/transfer and set up a new one with the correct date.

You can skip multiple payments from a sequence but you must skip each payment manually.

If a payment/transfer has a status of "locked", this means that the payment/transfer is currently being processed. Once processing is completed it will show up in the account transaction history – How to view transactions

You cannot cancel, change or delete immediate payments/transfers or a scheduled payment/transfer to be processed today.

  • You can only edit or delete payments/transfers if they are scheduled for a future date.
  • When editing or deleting a future dated payment/transfer, you must do so prior to 11.59pm(AEST/AEDT) the day before to the scheduled payment/transfer.

Important information

Future-dated payments/transfers require cleared funds in your account by 11.59pm (AEST/AEDT) the day before the scheduled payment/transfer.

All future-dated payments/transfers will be processed by us on the morning of the date requested unless the payment/transfer date falls on a weekend or public holiday in which case it will be processed the next bank business day.

If you wish to change, delete or skip a payment/transfer, the request must be lodged with ANZ Internet Banking or in the ANZ App prior to 11.59pm (AEST/AEDT) on the day before the payment/transfer.

Available when the sending and receiving accounts are capable of processing faster payments. Not available on some ANZ accounts, including ANZ Home Loans and ANZ Personal Loans. Technical interruptions may occur.

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