Frequently asked questions

We may charge an unarranged overdraft fee when we honour a payment that causes an account to become overdrawn. The unarranged overdraft fee is $15 per month and is charged if you exceed your approved overdraft limit or your account becomes overdrawn by more than $20 for more than one day. This is in addition to debit interest.

This applies to withdrawals and transfers, conducted through:

• ATM
• EFTPOS and Visa Debit
• ANZ Phone Banking
• ANZ Internet Banking
• Cheque
• Bill payment
• Automatic payment
• Direct debit.

Debit interest also applies.

ANZ can choose to charge a dishonour fee of $20 per transaction when we decline a payment due to there being insufficient cleared funds in the account.

The fee applies to transactions made by cheque, automatic payment and direct debit. Debit interest also applies.

Check your balance regularly to ensure you have sufficient cleared funds in your account for any payments.  Visit our 'Ways to bank' page for more information on the different options available to help you keep on top of your banking including ANZ Internet Banking and Mobile Phone Banking services.

Schedule your direct debits and automatic payments so that they happen at least one day after your regular deposits - for example, your salary, wage or pension.

Consider an ANZ Overdraft.* This is a simple and effective option to make sure you've always got a little something "in reserve" just in case you need it and can help you avoid the hassle of overdrawing your account.

• ANZ Overdraft*

Allow time for all cheque and ATM deposits to clear before you try to draw on these funds. Normally you need to allow at least three to five working days.

* ANZ's lending criteria and fees apply.

A direct debit is an authority, which allows companies (e.g. your electricity supplier) to debit funds from your account for pre-arranged and approved payments. It is important to always check your statements to ensure that all transactions that have been processed are correct.

If you were expecting your account statement and you have not received it, please call us on 0800 103 123, 24 hours a day, seven days a week or visit any ANZ branch.

If you'd prefer not to receive paper statements, you can cancel them provided you're registered for ANZ Internet Banking and you don't have an overdraft on your account.

If you are currently residing overseas, ANZ has special requirements for opening an account online.

If you (and any other account holder, if it's a joint account) are an existing ANZ New Zealand customer you'll be able to open an ANZ account online.

If you're a new ANZ New Zealand customer, the account can only be opened online if you (and all other joint account owners, if it's to be a joint account) can come into any ANZ New Zealand branch within 90 days of applying online.

If you do not meet these criteria, please call 0800 103 123.

For international callers, please dial +64 4 472 7123.