If I add or remove a payee or biller on the app, does it update in Internet Banking?

Yes, any changes to a payee or biller will update on both the ANZ App and Internet Banking.

Who can I transfer funds to?

You can transfer funds from your account to any Australian financial institution (bank, building society, credit union) account. All you need is the payee's account or PayID details.

Can I pay to a non-ANZ account?

Yes. You can pay from your account to any Australian financial institution (bank, building society, credit union) account. All you need is the payee's account or PayID details.

Do I need to save a payee?

No, however if you choose to save the payee, their details will be stored in your payee list.

A PayID is a simplified payment address that’s linked to a bank account and capable of receiving payments. ANZ allows you to link a mobile number, email address or ABN/ACN with an eligible ANZ bank account to create a PayID. ANZ allows payments to PayID mobile numbers, email addresses, ABN/ACNs and Organisation IDs (Org IDs).

How can I receive payments to my phone number, email, ABN/ACN or organisation ID?

To receive payments using one of these details, you can create a PayID.

Can I edit a payee in the ANZ App?

No, you can only add or delete payees in the ANZ App. To edit a payee, please use ANZ Internet Banking.

What information do I need about a payee to save them?

If you want to save a payee's details to your payee list, you will need at least one of the following: BSB number that is exactly six digits and identifies the bank and branch of the payee and account number, which is numeric; The payee’s PayID phone number; The payee’s PayID email address; The payee’s PayID ABN/CAN; The payee’s PayID Organisation ID.

Why won’t it let me edit my payee?

To edit or delete or payee, you must first cancel any pending future or recurring payments.

If I edit a payee’s nickname will they see this change?

No. Changing a payee nickname will only change the way their name appears in your payee list and on your lodgement receipts.

Is there a quick way to select and delete multiple payees at once?

While you can’t select and delete multiple payees at the same time, it is quick and easy to delete payees without leaving your payee list.

Can I retrieve the payee details again once it is deleted?

No. Once you delete the payee, their details will be immediately removed from your payee list. You will need to re-enter the details if you want to transfer to this payee in the future.

What is a payment type?

A payment type is the identifier that you address your payment to. A payment type can be a BSB and Account number, phone number, email address, ABN/ACN or Organisation ID (Org ID) that is linked to a bank account.

How do I set a payment type as the default payment type for that payee?

If you only have one payment type saved for a payee then that will automatically be set as the default for the payee. If you have multiple payment types saved for a payee then the default payment type will be the payment type that you paid to most recently. If you make a payment to a different payment type under the same payee, that will become the default payment for that payee if your payment is successful.

Can I remove a payment type when making a payment?

No. You can’t remove a payment type when making a payment. A payment type can only be removed when managing your payee list.

Can I remove all the payment types from a payee?

A payee must have at least one payment type saved for them. You can remove all of the payment types from a payee, however when you remove the final payment type it will delete the payee.

Can I remove a payment type that has future dated payments scheduled?

No. You’ll need to delete any future dated payments that are scheduled to a payment type before deleting it.

What happens to the payment type/s I've saved for a payee when I delete that payee?

When you delete a payee all of the payment type/s that you’ve saved for them will be deleted as well.

Do I need to edit/remove a payment type if it’s no longer valid?

If a payment type is no longer valid or no longer reflects your payee’s details you should remove it from your payee’s list of payment types or edit it to reflect the updated information. If you don’t delete or update a payment type that no longer reflects your payee’s details, any payments sent to this payment type could either.

How can I add the biller if I can't remember their BPAY® biller code?

ANZ Internet Banking allows you to search for a biller name if you do not know the biller code.

What details do I need to be able to add a biller to my ANZ Internet Banking?

You need the Biller Code and/or Biller name, and reference number. If you have a copy of your bill, you can check the payment section for these details.

Do I need to save billers before paying them?

When using the Add BPAY biller function, you always need to save the biller or you’ll lose the details. However, if adding a BPAY biller during a BPAY bill payment, you’re able to proceed without saving the biller.

What if I don't know the BPAY biller code?

The Biller Code is displayed in the payment section of your bill. If you can’t locate this, don’t worry as ANZ Internet Banking can look up the Biller Code for you.

Why do some biller names show an asterisk or star?

Some billers require a different reference number for each bill. The asterisk identifies these billers, so you remember to provide a new reference each time you pay a BPAY bill.

What information can I change about a BPAY biller?

You can either change the BPAY reference number or nickname for the biller.

What if I have scheduled payments to a biller?

You cannot edit a biller if there is a future BPAY® bill payment scheduled for that biller. You must first cancel any pending future bill payments. If you wish to delete a future dated or recurring bill payment, the request must be lodged with ANZ Internet Banking prior to 11.59pm AEST/AEDT on the day prior to the bill payment date.

What information do I need to save an international payee?

Fields marked on the screen with an asterisk (*) are mandatory. If these are not entered, processing cannot continue. These include Account name and, depending on the destination country you may need a SWIFT/BIC code, Branch number, account number or IBAN.

Why should I save the payee?

If you choose to save the payee, their details will be stored in your international payee list.

What information do I need to save an international payee?

If you want to save an international payee to your list you'll need the following information: Title of the beneficiary, Account Name, Branch Number, Account Number/IBAN, Bank Name in full, Branch Address, BIC/SWIFT.

Find ANZ Support Centre

International payments and travel

Whether you’re travelling overseas or your money is, we can help. You can make an international money transfer or let us know, if you’ve planned any overseas travel, in the ANZ App and Internet Banking. It’s all at your fingertips.

International payments access

How do I register for international services?

Log in to ANZ Internet Banking
Go to the Payments menu
Select International services
Read and accept the terms and conditions
Select Apply.

Your Internet Banking daily payment limit will apply to international services. You can set up or amend your daily limit by selecting the appropriate limit from the options displayed during international services registration.

How to remove international services access

Log in to ANZ Internet Banking
Go to the Payments menu
Select International services
Click Remove international services.

By removing your international services access you will forfeit your ability to transfer funds overseas. Your international payee list will be deleted and you won't be able to retrieve them. You can re-register for international services anytime.

Add or change an international payee

You can add a new international payee or change an existing payee from your list in ANZ Internet Banking. We can show you how:

How to add/change an international payee

Make an overseas payment

What you'll need before you start

name and address of the receiving bank
bank account details you're transferring to, ie. country, SWIFT/BIC code, account number/IBAN and account name
the beneficiary's address
sufficient funds and daily limit on your accounts.

Funds transferred overseas may take 2 - 4 business days before being available in the payee’s (beneficiary's) account, depending on when ANZ accepts your instructions and whether a third party correspondent bank is involved.

How to make an overseas payment in Internet Banking

Log in to Internet Banking
Select Payments from the top menu and choose International services (if it's your first time, you'll be prompted to register and agree to terms and conditions)
Select Transfer funds overseas
Choose the account the money is coming from
Choose an existing payee or add a New payee
Enter the payment details
Follow the prompts to finish your payment.

Please take note of the Receipt number and Lodgement number for your own records.

Understand your SWIFTs, BICs and IBANs

What is a SWIFT/BIC?

SWIFT stands for Society for Worldwide Interbank Financial Telecommunication
BIC stands for Bank Identifier Code

Together, a SWIFT and BIC makes up the 8 - 11 character identification code of a bank or financial institution. In an international money transfer these codes help us identify the receiving bank or financial institution, so make sure the ones you use are up to date.

When you send a payment overseas, the SWIFT/BIC code is mandatory and identifies the beneficiary (receiving) bank or financial institution. Some countries will allow the option to enter a Branch number or a SWIFT/BIC code.

ANZ Australia’s SWIFT/BIC code is ANZBAU3M

How to get a SWIFT/BIC for your payment

You can contact the person or organisation you’d like to transfer to, contact their bank or refer to their bank’s website.

What is an IBAN?

IBAN stands for International Bank Account Number

When you transfer money overseas, some countries require you to use an IBAN.

An IBAN starts with a two letter country code and will contain between 15 and 34 letters and numbers. The length of an IBAN will differ depending on the country of the recipient. The IBAN should be presented as a continuous string of alphanumeric characters with no spaces (eg. GB29NWBK60161331926819).

ANZ does not have the authority to change an IBAN, so please make sure you have the right details before sending your payment.

Australia does not use IBANs to receive payments and instead use BSB and account numbers.

How to get an IBAN for your payment

You can contact the person or organisation you’d like to transfer to, contact their bank or refer to their bank’s website.

Travelling overseas?

If you’re travelling overseas, we highly recommend you let us know before you travel. This helps us anticipate an increase in overseas purchases and avoid any unnecessary blocks on your card during this period. If your plans change, you can update your travel details online too.

Notify us of your international travel plans:

Log in to ANZ Internet Banking
Select Contact in the header
Choose Let us know before you travel
Follow the prompts.

We will process your travel information within 2 working days. Alternatively, you can contact us to let us know of your travel plans.

Next step? Get travel-ready

It's good to be prepared for any unexpected situations that may affect your credit cards while overseas.

See credit card travel tips

Need more help?

ANZ Support Centre

Support information for online banking as well as products and services.

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Your questions answered

Does my daily limit apply to all international services?

Yes. Your daily payment limit will apply to all payments (excluding BPay bill payments). ANZ Internet Banking for Business customers please note, the maximum amount that can be transferred overseas is $150,000 even if the daily limit amount assigned to your profile is higher than this.

How much does it cost for international services?

Refer to International money transfers for a list of fees.

How long do international services take?

International money transfers (transfer funds overseas) are processed as immediate payments and your account is debited immediately. It may however, take two business days to be processed depending on when the transfer was requested. Transfers submitted before 4.30pm (AEST/AEDT) on a bank business day will be processed on the same day but if submitted after 4.30pm (AEST/AEDT) or on weekends or public holidays, it will be processed on the next bank business day. The time that it takes for the beneficiary's account to be credited will depend on the policy and systems of the beneficiary's bank. You will be notified via SecureMail once your request is processed by the ANZ International Services team.

Can I future date international services?

No. International payments cannot be future dated nor can they be set up as a recurring transfer. All international payments are processed as immediate payments or transfers. This is because of fluctuating foreign exchange rates.

Where can I view exchange rates?

To view foreign exchange rates applicable to international money transfers in ANZ Internet Banking:

Log in to ANZ Internet Banking
Go to the Payments menu
Select International services
Choose Foreign exchange rates/currencies.

Can I send an international money transfer to all countries?

No. International money transfers can be sent to specified countries only. To view the list of countries for international money transfers, you can see the Destination country list when you setup a new payee.

If you wish to transfer funds to a country not shown in the destination country list, please contact us.

How does the international money transfer calculation system work?

When you enter an amount in the field next to Transfer amount or an amount in AUD, select Get rate. The Total is the sum of the Transfer Amount and Transfer fee. When foreign currency is used, the Amount is the Australian dollar equivalent of the Transfer amount. The amount is automatically calculated by ANZ Internet Banking.

How do I know if my request is successful?

Whenever you confirm a payment/transfer you'll see a lodgement number and a receipt number. The receipt number confirms that the payment has been submitted successfully.

For scheduled payments, you can check the status and the receipt number via View past Payments/Transfers from the Payments menu. For unsuccessful payments, the status will show as failed. You can also check the details of the payment to find the reason the payment failed.

Find out more about Past payments/transfers

I have a query about an international payment I've made online - what can I do?

You can check the details of the payment that you have made online - Past payments/transfers

You can also check your SecureMail messages for a confirmation from the ANZ International Services team regarding your payment request or please contact us for further detail.

Why does ANZ want to know my travel plans?

When you provide ANZ with your international travel plans, we know when you have used your credit card and other ANZ accounts overseas. This helps avoid transactions being stopped by ANZ Falcon™ on your accounts when we detect overseas purchases.

For more information on Falcon anti-fraud protection

What should I do if I have already notified ANZ, but now need to defer my travel indefinitely?

You can send us an online enquiry, or alternatively, you can phone us on 13 22 73 (International callers: +613 9683 7043) 24 hours a day, seven days a week.

How many destinations can I enter?

You can include up to 15 travel destinations.

If you wish to inform ANZ of additional countries, you can list them in the Comments textbox.

Do I need to enter every destination on my itinerary?

The more information ANZ has about your plans, the less chance of merchants declining your card while you travel. So, it is best to cover most, if not all, of your destinations. However, this is up to your discretion.

Important information

The time that it takes for a transfer to be processed to your account will depend on the transfer type. Check your Electronic Banking Conditions of Use for details.

The time that it takes for the payee's account to be credited will depend on the policy and systems of the payee's bank.

All International payments/transfers requested after 6.00pm Melbourne time or on weekends or a public holiday for the same day transfer are debited immediately but are processed on the following bank business day.

Transfers from an ANZ Credit Card will be treated as a cash advance, a fee may be charged and interest will accrue accordingly.

The ANZ App is provided by Australia and New Zealand Banking Group Limited (ANZ) ABN 11 005 357 522. Super and Insurance (if available) are not provided by ANZ but entities which are not banks. ANZ does not guarantee them. This information is general in nature only and does not take into account your personal objectives, financial situation or needs. ANZ recommends that you read the ANZ App Terms and Conditions available at www.anz.com and consider if this service is appropriate to you prior to making a decision to acquire or use the ANZ App.