|What are unarranged overdraft fees and dishonour fees?|
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:
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.
|How do I avoid overdraft fees and dishonour fees?|
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.
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.
|What are unauthorised direct debits?|
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.
|What should I do if I don't receive a statement?|
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.
|Can overseas residents open ANZ New Zealand accounts online?|
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.
For more information about ANZ accounts:
A copy of our Reserve Bank Disclosure Statement is available on this website or on request from any ANZ branch, free of charge. This material is for information purposes only. Its content is intended to be of a general nature, does not take into account your financial situation or goals, and is not a personalised financial adviser service under the Financial Advisers Act 2008. It is recommended you seek advice from a financial adviser which takes into account your individual circumstances before you acquire a financial product. If you wish to consult one of ANZ's financial advisers, please contact us on 0800 269 296.
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