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Make payments and transfer money online

Step-by-step guides for using the ANZ goMoney mobile app and Internet Banking to make payments and transfers, managing your saved payee list and more.

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Pay a person or bill

1. In goMoney:

  • iOS – select Payments from the bottom of the screen
  • Android™ – select the menu in the top left corner

2. Select Pay a Person or Bill

3. Choose an account to pay from 

4. Select a payee then either:

  • Select Find Payee to choose from your saved payees list or search for an ANZ registered payee
  • Select Add new to enter the details of who you are paying, then select Continue

5. Enter the amount to pay and select Done

6. Choose a date to make the payment on or leave it as today’s date

7. To make repeat payments, select the down arrow and:

  • Choose how often to make the payment
  • Choose how long the payments will continue for

8. Enter statement details (e.g. invoice number, reference, your name). This is optional but recommended

9. If you’ve entered new payee details, toggle the Save payee button on to save them. You also have the option of entering a Payee nickname

10. Select Continue

11. Check the payment details. To make a change:

  • iOS – select Edit
  • Android – select the back arrow on the top left corner

12. If the details are correct, select Pay

 

Take care entering payment details. Along with the New Zealand banking industry, we are working on a service that checks that the payee name you enter matches the name on the account you are paying. In the meantime, take care when entering payment details. If you make a mistake, there’s no guarantee you’ll get the money back. Read about the Confirmation of Payee service.  

1. In Internet Banking select Pay & transfer > Pay a person or bill

2. Choose an account to pay from 

3. Enter the details of who you are paying (the payee). Either:

  • Use the drop down to choose from your saved payee list
  • Select A new person or company then either search for an ANZ registered payee or enter a name and account number. To save the payee to your list, select Save this payee

4. Enter the amount to pay

5. Choose a date to make the payment on or leave it as today’s date

6. To make repeat payments, select Make this an automatic payment and: 

  • Choose how often to make the payment
  • Choose how long the payments will continue for

7. Enter statement details (e.g. invoice number, reference, your name). This is optional but recommended

8. Select Continue

9. Check the payment details. To make a change, select Change details

10. If the details are correct, select Confirm & schedule

 

Take care entering payment details. Along with the New Zealand banking industry, we are working on a service that checks that the payee name you enter matches the name on the account you are paying. In the meantime, take care when entering payment details. If you make a mistake, there’s no guarantee you’ll get the money back. Read about the Confirmation of Payee service.  

If you have selected to pay by bank account while shopping online, you’ll need to approve the payment request.

1. In goMoney:

  • iOS – select Payments from the bottom of the screen
  • Android™ – select the menu in the top left corner

2. Select Payment Requests

3. If prompted, select Yes, allow Payment Requests

4. Check the payment details

5. Choose an account to pay from 

6. Select Approve, then return to where you started the payment

 

Read about ANZ Payment Requests.

How to make payments in Internet Banking

Learn how to use Internet Banking to pay a person or bills, make recurring payments, and how to manage automatic payments.

Transcript – How to make payments in Internet Banking

Payment limits

When making a payment, you'll see your payment limit:

  • Below the Amount field in goMoney
  • Below the Amount field in Internet Banking.

To change your payment limit, call us on 0800 269 296.

Third party payments

We don't support the current approach that third party payment providers (e.g. POLi and Account2Account) take to facilitate payments.

You should never disclose your password to any person or website, other than Internet Banking accessed through this website (anz.co.nz). Doing so breaches our Electronic Banking Conditions (PDF 158KB).

Cancel a payment

Electronic payments can only be cancelled if the money has not yet left your account. 

  • Same-day electronic payments: Can’t be edited or deleted  once you've confirmed them
  • Future-dated electronic payments: Can be edited or deleted up to 4am on the payment date
  • Automatic payments starting on the same day: Can be edited or deleted up until 9.30pm that day
  • For electronic payments that require multiple authorisers: Any authoriser can cancel a payment before it is paid, without another authoriser approving the cancellation

To cancel a direct debit, call us on 0800 269 296 and we’ll remove the direct debit authority. You’ll also need to contact the person or organisation you were paying and let them know to stop attempting to take the payment.

For more information on payments, see Payment processing times.

1. In goMoney:

  • iOS – select Payments from the bottom of the screen
  • Android™ – select the menu in the top left corner

2. Select Upcoming Payments

3. Choose a payment to cancel

4. Select Delete > Delete Payment

  1. In Internet Banking select Pay & transfer > View upcoming payments
  2. Choose a payment to cancel
  3. Select Delete > Delete

Payment to the wrong mobile number

If you’re using Pay to Mobile and make a mistake, call us immediately on 0800 269 296 

We can’t stop a payment if it has left your account, and there’s no guarantee you’ll get the money back. We’ll help if we can, but we’re not required to get involved in disputes between you and anyone receiving your payment.

Automatic payments: set up, stop, change or skip

Use automatic payments to automatically pay, or transfer between your own accounts, a set amount on a regular basis.

1. In goMoney:

  • iOS – select Payments from the bottom of the screen
  • Android™ – select the menu in the top left corner

2. Select Pay a Person or Bill

3. Choose an account to pay from 

4. Select a payee then either:

  • Select Find Payee to choose from your saved payees list or search for an ANZ registered payee
  • Select Add new to enter the details of who you are paying, then select Continue

5. Enter the amount to pay and select Done

6. Choose a date to make the payment on or leave it as today’s date

7. To make repeat payments, select the down arrow and:

  • Choose how often to make the payment
  • Choose how long the payments will continue for

8. Enter statement details (e.g. invoice number, reference, your name). This is optional but recommended

9. If you’ve entered new payee details, toggle the Save payee button on to save them. You also have the option of entering a Payee nickname

10. Select Continue

11. Check the payment details. To make a change:

  • iOS – select Edit
  • Android – select the back arrow on the top left corner

12. If the details are correct, select Pay

 

Take care entering payment details. Along with the New Zealand banking industry, we are working on a service that checks that the payee name you enter matches the name on the account you are paying. In the meantime, take care when entering payment details. If you make a mistake, there’s no guarantee you’ll get the money back. Read about the Confirmation of Payee service.  

1. In goMoney:

  • iOS – select Payments from the bottom of the screen
  • Android™ – select the menu in the top left corner

2. Select Upcoming Payments. You’ll see the next due payment for each of your automatic payments

3. Choose a payment then:

  • To stop (cancel) the next and following payments: Select Delete > Delete Payment
  • To change the next and following payments: Select Edit, make your changes, check the updated details, then select Confirm
  • To skip the next payment: Select Skip > Confirm

4. Once finished, select the back arrow 

 

For information on when you can make changes to payments, see Payment processing times.

1. In Internet Banking select Pay & transfer > Pay a person or bill

2. Choose an account to pay from 

3. Enter the details of who you are paying (the payee). Either:

  • Use the drop down to choose from your saved payee list
  • Select A new person or company then either search for an ANZ registered payee or enter a name and account number. To save the payee to your list, select Save this payee

4. Enter the amount to pay

5. Choose a date to make the payment on or leave it as today’s date

6. To make repeat payments, select Make this an automatic payment and: 

  • Choose how often to make the payment
  • Choose how long the payments will continue for

7. Enter statement details (e.g. invoice number, reference, your name). This is optional but recommended

8. Select Continue

9. Check the payment details. To make a change, select Change details

10. If the details are correct, select Confirm & schedule

 

Take care entering payment details. Along with the New Zealand banking industry, we are working on a service that checks that the payee name you enter matches the name on the account you are paying. In the meantime, take care when entering payment details. If you make a mistake, there’s no guarantee you’ll get the money back. Read about the Confirmation of Payee service.  

1. In Internet Banking select Pay & transfer > View upcoming payments. You’ll see the next due payment for each of your automatic payments

2. Choose a payment then:

  • To stop (cancel) the next and following payments: Select Delete > Delete
  • To change the next and following payments: Select Edit, make your changes, then select Review & confirm. Check the updated details, then select Confirm & schedule
  • To skip the next payment: Select Skip > Skip

For information on when you can make changes to payments, see Payment processing times.

Transfer money between accounts, including paying a credit card

If you have a credit card with us, you can pay your credit card the same way you transfer money between your accounts. 

1. In goMoney:

  • iOS – select Transfer from the bottom of the screen
  • Android™ – select the menu in the top left corner, then Transfer Funds 

2. Choose an account to transfer from 

3. Choose an account to transfer to

4. Enter the amount to transfer

5. Choose a date to make the payment on or leave it as today’s date

6. To make repeat payments, select the down arrow and:

  • Choose how often to make the payment
  • Choose how long the payments will continue for

7. Enter statement details (i.e. what the transfer is for). This is optional

8. In iOS select Continue, in Android select Transfer

 

Business customers: If you have Customer Select, you can transfer between any of your linked business and personal accounts. This means you can follow these steps to transfer between any of your linked business and personal accounts. Contact us to get set up.

  1. In Internet Banking select Pay & transfer > Transfer funds
  2. Choose an account to transfer from
  3. Choose an account to transfer to
  4. Enter the amount to transfer
  5. To make repeat payments, select Make this an automatic payment 
  6. Choose a date to make the payment on or leave it as today’s date
  7. Enter statement details (i.e. what the transfer is for). This is optional
  8. Select Review & confirm
  9. Check the payment details. To make a change, select Change details
  10. If the details are correct, select Confirm your transfer

Business customers: If you have Customer Select, you can transfer between any of your linked business and personal accounts. This means you can follow these steps to transfer between any of your linked business and personal accounts. Contact us to get set up.

How to transfer money in Internet Banking

Learn how to move money between your ANZ accounts in Internet Banking, including paying a credit card.

Transcript – How to transfer money in Internet Banking

Payments that require multiple authorisers

If your payment needs other people to authorise it, the authorisers will get a notification in goMoney, and see a notification in Internet Banking, that there is a payment to review and approve.

Any authoriser can cancel a payment before it is paid, without another authoriser approving the cancellation.

1. In goMoney:

  • iOS – select Payments from the bottom of the screen
  • Android™ – select the menu in the top left corner

2. Select either Pay a Person or Bill, Pay Tax or Transfer Funds

3. Choose an account to pay from 

4. Enter the details of who you are paying (the payee) or select the right arrow to:

  • Choose from your saved payees list
  • Search for an ANZ registered payee
  • Add a new payee to your saved payees list

5. Enter the amount to pay and select Done

6. Choose a date to make the payment on. If you don’t select a date, the date field remains populated with ‘After final authorisation’ and the payment will be made as soon as authorisation is completed 

7. Enter statement details (e.g. invoice number, reference, your name). This is optional but recommended

8. In iOS select Continue, in Android select Pay. You’ll see a message saying that additional people must authorise the payment

9. Check the payment details. If you need to make a change:

  • iOS – select Edit
  • Android – select Cancel

10. If the details are correct:

  • iOS – select Pay
  • Android – select Confirm

 

Take care entering payment details. Along with the New Zealand banking industry, we are working on a service that checks that the payee name you enter matches the name on the account you are paying. In the meantime, take care when entering payment details. If you make a mistake, there’s no guarantee you’ll get the money back. Read about the Confirmation of Payee service.  

1. In goMoney select Payments > Authorise payments > You need to authorise 

2. Choose a payment to review:

  • To authorise it, select Authorise > Authorise
  • To delete it, select Delete > Delete

 

The payment will be made when all required authorisers have authorised it.

If you’re a business customer using Customer Select, check you’re in the correct profile first.

1. In Internet Banking select either Pay a person or bill, Create and authorise payments, Pay tax, or Multi authorisation transfer

2. Choose an account to pay from. If it’s an account that needs more than one person to authorise the transfer, you’ll see a note saying ‘This payment may require other people to authorise it’  

3. Enter the details of who you are paying (the payee). Either:

  • Use the drop down to choose from your saved payee list
  • Select A new person or company. Here you can either search for an ANZ registered payee or enter a name and account number. To save the payee to your list, select Save this payee

4. Enter the amount to pay

5. Choose a date to make the payment on. If you leave it as today’s date, it will be paid as soon as authorisation is completed

6. Enter statement details (e.g. invoice number, reference, your name). This is optional but recommended

7. Select Continue

8. Check the payment details. To make a change, select Change details

9. If the details are correct, select Confirm

 

Take care entering payment details. Along with the New Zealand banking industry, we are working on a service that checks that the payee name you enter matches the name on the account you are paying. In the meantime, take care when entering payment details. If you make a mistake, there’s no guarantee you’ll get the money back. Read about the Confirmation of Payee service.  

1. In Internet Banking select Pay & transfer > Authorise payments

2. Choose a payment to review from You need to action

  • To authorise it, select Authorise > Authorise
  • To delete it, select the 'To' payee name to see the full details, then select Delete > Delete

 

This payment will be made when all required authorisers have authorised it.

Pay tax to Inland Revenue (IR)

  1. In goMoney select Payments > Pay Tax
  2. If we have your IRD or GST number, they will be populated in the relevant fields
  3. Choose the Tax Type
  4. Enter the amount to pay 
  5. Choose a date to make the payment on or leave it as today’s date
  6. Enter statement details
  7. Select Pay
  8. A confirmation message will appear. If the details are correct, select Confirm

1. In Internet Banking select Pay & transfer > Pay tax

2. Choose an account to pay from 

3. Choose the tax type

4. Enter:

  • Your IRD or GST number as required (you have the option of copying your IRD number across)
  • The amount to pay
  • The date to make the payment on 
  • Details to appear on your statement

5. Select Continue

6. Check the payment details. If the details are correct, select Confirm & pay

You can set up an automatic payment for tax payments that don't have a tax period end date:

  • Child Support – Liable Parent (NCP)
  • KiwiSaver Member Account (KSS)
  • Tax Under Arrangement (ARR)

 To set up the automatic payment:

1. In Internet Banking select Pay & transfer > Pay tax

2. Choose an account to pay from 

3. Choose the tax type

4. Enter:

  • Your IRD or GST number 
  • The amount to pay
  • The date to make the payment on 
  • To make repeat payments, select Make this an automatic payment   
  • Details to appear on your statement

5. Select Continue

6. Check the payment details. If the details are correct, select Confirm & pay

 

For other types of tax payments, you’ll need to complete an automatic payment form from the Inland Revenue website and take it to an ANZ branch.

Your saved payee list

If you pay a person or company regularly, you can save their details to your saved payee list. Do this by selecting Save this payee while making a payment, or follow these steps.

  1. In goMoney select Payments > Manage Payees > A new person or company
  2. Enter the details of the person or company you pay regularly (the payee)
  3. Enter any statement details that will be the same for each payment. You can add other details at the time of each payment
  4. Select Save

Take care entering payment details. Along with the New Zealand banking industry, we are working on a service that checks that the payee name you enter matches the name on the account you are paying. In the meantime, take care when entering payment details. If you make a mistake, there’s no guarantee you’ll get the money back. Read about the Confirmation of Payee service.

1. In goMoney select Payments > Manage Payees

2. Choose a payee, then:

  • To edit the payee, select Edit, make your changes, then select Save
  • To delete or remove the payee, select Delete > OK

1. In Internet Banking select Pay & transfer > Manage payees

2. Select Add a new payee

3. Enter the name of the person or company you pay regularly (the payee) then either: 

  • Select New payee
  • Choose from the list of registered companies

4. Enter the account number for the payee

5. Enter any statement details that will be the same for each payment. You can add other details at the time of each payment

6. To pay the payee now, select Save and make a payment. Otherwise select Save new payee

 

Take care entering payment details. Along with the New Zealand banking industry, we are working on a service that checks that the payee name you enter matches the name on the account you are paying. In the meantime, take care when entering payment details. If you make a mistake, there’s no guarantee you’ll get the money back. Read about the Confirmation of Payee service.

1. In Internet Banking select Pay & transfer > Manage Payees

  • To delete an international payee or payee group, select the International payees list

2. Under the relevant payee details:

  • To edit the payee, select Edit, make your changes then select Save
  • To delete or remove the payee, select Delete > Delete

Payees need to be in your saved payee list before they can be added to a group. 

Groups can contain up to 20 payees.

  1. In Internet Banking select Pay & transfer > Manage payees
  2. Select Add payee group 
  3. Give the group a name
  4. Select either Save group or Save & add payees
  5. Choose payees to add from your saved payees list

To remove a payee from a group:

  1. In Internet Banking select Pay & transfer > Manage payees
  2. Select Your payee groups
  3. Choose a group to remove a payee from
  4. Under the payee name select Remove from group 

1. In Internet Banking select Pay & transfer > Pay several payees

2. Choose an account to pay from. All the payments for the group will be paid from this account

3. Choose the first person or company to pay (the payee) from the dropdown list and select Add payee

4. Choose another payee from the dropdown list and select Add payee

  • You can add up to 20 payees
  • If you choose a group from the dropdown list, all the payees in the group will be added for payment 

5. Remove a payee from this payment by unticking them. If they were added as part of a group, the change will not be saved to the group

6. Enter the amount to pay each payee. You can pay each payee a different amount

7. Choose a date to make the payment on or leave it as today’s date

  • Each payment can have a different date
  • To make all payments on a particular date, choose that date for the first payee on the list and select Make all payments on this date 

8. To enter statement details (e.g. invoice number, reference, your name), select Edit reference details. The details are applied to that payee only.

  • To see the statement details for all payees, select Show all reference details above the first payee

9. Select Next and check the payment details

10. If the details are correct, select Confirm & pay

 

Take care entering payment details. Along with the New Zealand banking industry, we are working on a service that checks that the payee name you enter matches the name on the account you are paying. In the meantime, take care when entering payment details. If you make a mistake, there’s no guarantee you’ll get the money back. Read about the Confirmation of Payee service.

Download a guide

Important information

This material is for information purposes only. Please talk to us if you need financial advice about your situation and goals before getting a financial product. To talk to one of our team at ANZ, please call 0800 269 296. See our financial advice provider statement (PDF 39KB).

Eligibility criteria and terms and conditions apply to the ANZ goMoney app, Internet Banking, Phone Banking, Voice ID and Pay to Mobile. For details, see our ANZ Electronic Banking Conditions (PDF 138KB).