Guides to easier online banking

Make banking online and over the phone easier with our step-by-step printable guides and videos. Learn about all the things you can do with our mobile banking app, ANZ goMoney, Internet Banking, automated Phone Banking, and Smart ATMs. 

How to register for the ANZ goMoney app, Internet Banking, Phone Banking and Voice ID

This guide takes you through step-by-step instructions on how to register for goMoney, Internet Banking, Phone Banking and Voice ID to help make managing your money easy.

To register you’ll need to have completed your identification checks with an ANZ staff member in branch and have your ANZ customer number.


Internet Banking

ANZ Internet Banking makes managing your money easy. It’s convenient, secure banking online. Whether you want to make payments, transfer money, check your transactions or manage your accounts or loans, Internet Banking lets you manage your finances 24/7.

These guides take you through step-by-step instructions on:

  • How to log in.
  • Finding your way around the homepage.
  • How to pay a person or bill.
  • How to transfer money between your ANZ accounts, including paying your ANZ credit card.
  • Setting up an automatic payment.
  • Editing, skipping or deleting an existing automatic payment.
  • How to access, download and print statements and proof of account documents.
  • How to re-fix a home loan rate when it comes up for renewal.
  • Managing your debit and/or personal credit cards, including ordering a replacement card or changing or setting card PINs.
  • Setting up payments that require multiple people to authorise.
  • Managing your KiwiSaver account, including switching funds, updating your PIR and downloading annual account statements.

This is a transcript of the audio track and text descriptions of any meaningful visual content.

(Video: voiceover steps us through how to navigate making payments through Internet Banking)

Voiceover: Welcome to ANZ Internet Banking, where you can do just about all your banking online, anytime.

In this video we’ll show you how to make one-off and automatic payments.

Let’s start with paying bills or people.

(Video: The main Internet Banking screen)

Once you’ve logged in, select “Pay & transfer” in the top navigation menu and then select “Pay a person or bill” from the drop-down menu.

(Video: The ‘pay a person or bill’ screen)

Next, select the account you want to pay from – such as Go account – and then select who the payment is going to. If you have saved the details of a previous Payee, select “Someone on your list” and select them from the drop-down options. Otherwise select “A new person or company”. Here you can either search for a registered company or just enter their name and account number in the fields below.

Next, enter the amount you want to pay. If you’re making a one-off payment, leave the “make this an automatic payment” box unchecked and simply enter or choose the required payment date.

If you do want to set up an automatic payment, check the box and select the date you want to make the first payment on. Then choose the frequency of the automatic payment – weekly, fortnightly and so on, as well as how long you want the payments to continue. Selecting “Until further notice” means this payment will be automatically paid until you change or stop it.

Now enter the details that will show with the payment on both your statement and theirs. These details can help you both identify what the payment was for. If you’re going to be paying this person or bill again in the future, save yourself time by selecting the “Save this payee” check box.

(Video: Confirm your repeating payment screen)

Then select “continue” to review all the payment details. If everything looks correct, select “Confirm & schedule”. If you’d like to change something, select “Change details” to go back.

(Video: The main Internet Banking screen)

Now let’s show you how to manage your automatic payments.

(Video: Upcoming payments screen)

Select “Pay & transfer” in the menu across the top of the page, then select “View upcoming payments” from the drop-down menu.

On this page you can see all of your upcoming payments including the automatic payments you have set up. To the right of each automatic payment you can choose to view, edit delete or skip the payment.

(Video: Confirm your repeating payment screen)

To change a payment, select “Edit”, make the changes you want and select "Review & confirm”. If you’re happy with the amends, select “Confirm & schedule”.

(Video: Delete this payment pop-up screen)

To stop a payment, select “Delete”, then select “Delete” again.

(Video: Skip automatic payment pop-up screen)

To skip a payment, select “Skip” and then select skip again.

(Video: Upcoming payments screen)

We hope you found this video helpful.

We have a range of videos and printable guides available on how to use Internet Banking.

If you ever get stuck, you can always get in touch and we’ll show you how.

This is a transcript of the audio track and text descriptions of any meaningful visual content.

(Video: voiceover steps us through how to view transactions and statements in Internet Banking)

Voiceover: Welcome to ANZ Internet Banking, where you can do just about all your banking online, anytime.

In this video, we’ll show you how to view your transactions and access your bank statements.

(Video: Main Internet Banking screen)

When you’ve logged in, the first screen is the home page. This page has an overview of the accounts you have access to. Under each account name you can select “View recent transactions”. This will show your last five transactions. If you want to see an account in more detail, select the account name, or select “Your accounts” in the top navigation menu and then choose the account you want from the drop-down menu.

(Video: Account screen)

Then you’ll be able to view the transactions for that account, and filter by date range, or you can search for a specific transaction in the “Search transactions” field. From this stage you can also select statements to view or download your recent statements for this account.

(Video: Statements screen)

To see older statements for your accounts, select “your document library” or select “Documents” in the top navigation menu. Then select the document type and the account you want to look at. Now select a date range (for example, Last 30 days) and select “Search”. If you select “View” a new browser tab will open with a PDF version of the account statement. You can print or save the document from here and then attach it to an email if you wish to send it.

(Video: Document Library screen)

If you select “Download” a PDF version will download and show at the bottom of your browser screen. To open the PDF, select it. From there you can also print or save the document and then attach it to an email if you wish to send it.

We hope you found this video helpful.

We have a range of videos and printable guides available on how to use Internet Banking.

If you ever get stuck, you can always get in touch and we’ll show you how.

This is a transcript of the audio track and text descriptions of any meaningful visual content.

(Video: voiceover steps us through how to navigate making transfers through Internet Banking)

Voiceover: Welcome to ANZ internet banking, where you can do just about all your banking online, any time. In this video we’ll show you how to transfer money between your ANZ accounts, including paying your credit card.

(Video: Main Internet Banking screen)

Let’s start with transferring money.

(Video: Transfer Funds screen)

Once you’ve logged in, select pay and transfer in the top navigation menu, and then select transfer funds from the drop down menu.

Now select the account you want to transfer money from. Next, select the account you want to transfer money to. If you have a credit card or KiwiSaver account with ANZ, you can transfer money to these accounts as well. We’ll select a credit card for this example. Now enter the amount you want transferred. You then have the option to “Make this an automatic payment”.

If you select this check box you can choose the date for the first transfer, the frequency, and how long you want the transfer to be repeated for. If this is a one-off transfer, leave this box unchecked. Then simply enter the date you want the money transferred, and the details to appear on your statement.

(Video: Transfer Funds confirmation screen)

Selecting “Review and confirm” will let you double check the transfer details, including the accounts and amount. If everything looks correct, select “Confirm your transfer”. If you need to change something, select “Change details” and make the necessary changes.

(Video: Quick Transfer screen)

Another way to make a quick one-off transfer between your accounts is to select “Quick transfer” on the top right of the home page. You’ll get some simple options to quickly transfer money between your accounts.

We hope you found this video helpful. We have a range of videos and printable guides available on how to use Internet Banking. If you ever get stuck, you can always get in touch, and we’ll show you how.

ANZ goMoney app

With the ANZ goMoney app you’ve got your finances at your fingertips wherever you are. You can make payments, transfer money, check recent transactions and manage your accounts or loans on the go.

These guides take you through step-by-step instructions on:

  • How to log in.
  • Finding your way around the home screen.
  • How to pay a person or bill.
  • How to transfer money between your ANZ accounts, including paying your ANZ credit card.
  • Setting up an automatic payment.
  • Editing, skipping or deleting an existing automatic payment.
  • How to access, download and print statements and proof of account documents.
  • How to re-fix a home loan rate when it comes up for renewal.
  • Managing your debit and/or personal credit cards, including ordering a replacement card or changing or setting card PINs.
  • Setting up payments that require multiple people to authorise.
  • Managing your KiwiSaver account, including switching funds, updating your PIR and downloading annual account statements.


How to join ANZ using the goMoney app

If you’re aged 13+, live in New Zealand, have a compatible mobile device, and hold a current New Zealand passport or driver licence, applying via the app is the fastest way to join ANZ. 

You’ll need to take a photo of your ID and a selfie video on your phone to confirm your identity. In most cases, you won’t need to visit a branch but we’ll just give you a quick call to complete your registration.


Phone Banking

Bank securely and conveniently over the phone 24/7. Whether you want to move money between accounts, pay bills and people, manage your automatic payments or just want to ask a question to an actual person, Phone Banking is your one-stop-shop to managing your finances.

This guide takes you through step-by-step instructions on:

  • How to use Phone Banking.
  • The Phone Banking menu including:
    - Balances
    - Transaction and account details
    - Transfers
    - Payments
    - Phone Banking preferences
  • Helpful keys.
  • Speed keys.
  • Payment dates and amounts.
  • Nominated Phone Banking accounts.
  • Nominated billers/other saved Payees.

Smart ATMs

You can make deposits and withdrawals quickly with our extensive network of Smart ATMs throughout New Zealand, which means you’re never far from your cash. 

This guide takes you through step-by-step instructions on:

  • How to find your nearest Smart ATM.
  • How to deposit cash into your ANZ accounts, and accounts of other ANZ customers.
  • Withdrawing.
  • Checking your balance.
  • Transferring money between your accounts.

[Video: Animated illustrations of an ANZ Smart ATM, or money machine.]

Voiceover: ANZ Smart ATMs allow you to deposit cash directly into an account linked to your card or into another ANZ account. You can also use these ATMs to get cash out and transfer money between your ANZ accounts.

In this video we’ll take a look at how to deposit cash into an account linked to your card using an ANZ Smart ATM. You can only deposit notes, not coins.

When you arrive at the ATM, check the top banner on the screen to make sure the Deposits option is available.

[Video: ATM screen with ‘Deposits’ in the top right.]

Voiceover: To get started simply insert your card or tap your contactless card on the Tap and Pin sticker, then enter your PIN.

You’ll then see the various transaction options available. Tap on Deposit.

[Video: ATM screen with options such as cash withdrawals, with ‘Deposit’ on the top right.]

Voiceover: There are two options for depositing cash – either into an account linked to your card, or into another ANZ account. Tap ‘an account on this card’.

Make sure to read the guidance on the processing times before making the deposit.

[Video: ATM screen with text ‘We process deposits made after 7.30pm, the next day. See our General Terms and Conditions for more information.’]

Voiceover: Then tap the Deposit Notes button. Now tap on the account you want to deposit the money into – for example Cheque, Savings or Credit.

The ATM will then display a wait screen while it checks to see if the account you have selected is loaded on your card and your PIN is correct.

[Video: ATM screen with text ‘Please wait while we process your transaction’.]

Voiceover: If you want a receipt of your deposit for your records, tap Print receipt – otherwise tap Balance on Screen or No receipt or balance.

Voiceover: Now it’s time to deposit your money. Before inserting your notes, it’s important to read what’s on the screen.

[Video: ATM screen with text ‘Before you make a deposit’ above a list the voiceover will read out.]

Voiceover: Check the maximum number of notes this ATM can accept per transaction.

[Video: Text ‘Up to 50 notes per transaction.’]

Voiceover: You can only deposit notes, not coins. Make sure you have removed any staples, rubber bands and paper clips from the notes. Remove any notes that are folded, damaged or cut. Make sure you count the amount you are depositing. For ease, you might want to do this before you get to the ATM.

The example onscreen will show you how to insert the notes – either end-ways or sideways, depending on the ATM.

[Video: Stack of $20 notes inserted end-ways into a short money slot. Another stack of $20 notes inserted sideways into a long money slot.]

Voiceover: You’ll need to wait just a few seconds for your deposit to be counted. A summary of this will then show up on screen.

[Video: ATM screen with text ‘Deposit summary to cheque account – $20 x2 = $40, $50 x 3 = $150, total $190.']

Voiceover: From here you can deposit more notes, or return all notes (if you’ve changed your mind or want to start again).

If you’re happy with your deposit, tap Confirm Deposit and your transaction will be completed – don’t forget your receipt if you requested one.

Voiceover: If you want to make another transaction, tap Yes. If not, tap No and remember to take your card with you.

We have a range of other videos and guides available on how to make banking easier at anz.co.nz/guides.

[Video: Text with guide topics – payments, edit payments, transfers, viewing transactions, print statements, managing cards, how to use goMoney.]

Voiceover: If you ever get stuck, you can always get in touch and we’ll show you how.

[Video: ANZ’s phone number 0800 269 296. ANZ logo.]

[Video: Animated illustrations of an ANZ Smart ATM, or money machine.]

Voiceover: ANZ Smart ATMs allow you to deposit cash into ANZ accounts by entering the account number at the ATM, as well as directly into an account linked to your card. You can also use these ATMs to get cash out and transfer money between your ANZ accounts.

In this video we’ll take a look at how to deposit cash into an ANZ account by entering an account number at the ATM. Remember, you can only deposit notes, not coins.

When you arrive at the ATM check the top banner on the screen to make sure the Deposits option is available.

[Video: ATM screen with ‘Deposits’ in the top right.]

Voiceover: To get started simply insert your card or tap your contactless card on the Tap and Pin sticker then enter your PIN.

You’ll then see the various transaction options available. Tap on Deposit.

[Video: ATM screen with options such as cash withdrawals, with ‘Deposit’ on the top right.]

Voiceover: There are two options for depositing cash – either into an account linked to your card, or into another ANZ account. Tap ‘another ANZ account’.

Make sure you understand the guidance and processing times before making the deposit.

[Video: ATM screen with text including ‘You can deposit up to $9,000 per day. We process deposits made after 10pm, the next day. See our General Terms and Conditions for more information.’]

Voiceover: Then tap ‘enter account details’. Enter the ANZ account number you’re wanting to deposit the money into. Please double check the account number once you’ve entered it, to ensure it’s correct. Then tap Enter deposit details.

Next, enter reference details for the deposit. This will help the recipient know what the deposit into their account is for. Note, this is optional - you can choose to leave it blank.

[Video: Reference details text – ‘Mrs J Smith’ in Particulars and ‘Invoice 12’ in Reference.]

Voiceover: Next tap Review details.

Now it’s time to check that your deposit details are correct, including the account number and any references you’ve included.

Note that funds deposited to the wrong account may not be recoverable, so it’s important to double check.

If you need to change the account number, tap Re-enter account number. If you need to change the deposit details, tap Edit deposit details.

If everything is correct, tap Deposit Notes.

Now it’s time to deposit your money. Before inserting your notes, it’s important to read what’s on the screen.

[Video: ATM screen with text ‘Before you make a deposit’ above a list the voiceover will read out.]

Voiceover: Check the maximum number of notes this ATM can accept per transaction.

[Video: Text ‘Up to 50 notes per transaction.’]

Voiceover: You can only deposit notes, not coins. Make sure you have removed any staples, rubber bands and paper clips from the notes. Remove any notes that are folded, damaged or cut. Make sure you count the amount you are depositing. For ease, you might want to do this before you get to the ATM.

The example on the ATM screen will show you how to insert the notes – either end-ways or side-ways, depending on the ATM.

[Video: Stack of $20 notes inserted end-ways into a short money slot. Another stack of $20 notes inserted sideways into a long money slot.]

Voiceover: You’ll need to wait just a few seconds for your deposit to be counted. A summary of your deposited notes will then show up on screen.

[Video: ATM screen with text ‘Deposit summary to cheque account – $10 x 4 = $40, 20 x2 = $40, $50 x 3 = $150, total $230.']

From here you can deposit more notes, or return all notes (if you’ve changed your mind or want to start again). If you’re happy with your deposit, tap Confirm Deposit.

Voiceover: If you’d like a record of your transaction, tap Continue with receipt or if not, tap Continue without receipt.

If you would like to deposit more funds to the same account tap Deposit more to recipient.

If you would like to complete a different transaction, tap Main Menu. Otherwise tap Finish. Make sure you take your card with you and don’t forget your receipt if you requested one.

We hope you found this video on how to make deposits at a Smart ATM, by entering an account number at the ATM, helpful.

We have a range of other videos and guides available on how to make banking easier at anz.co.nz/guides.

[Video: Text with guide topics – payments, edit payments, transfers, viewing transactions, print statements, managing cards, how to use goMoney.]

Voiceover: If you ever get stuck, you can always get in touch and we’ll show you how.

[Video: ANZ’s phone number 0800 269 296. ANZ logo.]

ANZ Direct Online for business

Manage your day-to-day business banking the easy way. Pay creditors and employees, manage your cash flows, request transfers and more.

This guide takes you through step-by-step instructions on how to:

  • Check your software is setup correctly to operate ANZ Direct Online.
  • Log on and change your password.
  • Plan the set-up of ANZ Direct Online on paper.
  • Manage users.
  • Manage Batch Groups.
  • Manage roles.
  • Manage payment limits.
  • Set up batches.

Scams and Fraud Guide

Whether you want to bank online, on your mobile device or over the phone, keeping you and your banking safe is more important than ever.

This guide takes you through:

  • Where to go for advice and help.
  • What security measures we have in place.
  • The types of scams to look out for.
  • How to spot the red flags.
  • Tips for safe banking.

We’re here to help

You can download and/or print these guides to use them as a quick reference when you're doing your regular banking at home or on the go. If you ever need extra help, we're only a phone call away on 0800 269 296.

Important information

Eligibility criteria and terms and conditions apply to ANZ Internet Banking, ANZ goMoney and ANZ Phone Banking. See our Electronic Banking Conditions (PDF 138KB) for more information.