To find the terms and conditions applicable to your accounts with us, browse or print the terms and conditions listed below.

Personal banking

General Terms and Conditions and Fees and Charges
ANZ General Terms and Conditions (PDF 224kB) Effective 2 April 2013 ANZ Fees and Charges (PDF 212kB) Effective 1 May 2013

Everyday banking
ANZ EFTPOS Card Conditions of Use (360KB) Effective 28 October 2012 ANZ Visa Debit Card Conditions of Use (92KB) Effective 28 October 2012

Investments
ANZ Term Deposit Investment Statement (PDF 332kB) Effective 29 October 2012

Credit cards
ANZ Credit Cards Conditions of Use (PDF 516kB) Effective 1 May 2013 ANZ World Visa Guide (PDF 348kB) Effective 1 March 2013 ANZ Airpoints Visa Guide (PDF 684kB) Effective 1 March 2013 Qantas ANZ Visa Card Guide (PDF 316kB) Effective 1 March 2013 ANZ CashBack Guide (PDF 584kB) Effective 1 May 2013

Prepaid cards
ANZ Travel Card Guide (PDF 756KB) Effective October 2012 ANZ Recharge Guide (PDF 772kB) Effective October 2012

Electronic banking
Electronic Banking Conditions of Use (PDF 268kB) Effective 9 March 2013

Foreign currency accounts
ANZ Foreign Currency Accounts Terms and Conditions (PDF 144kB) Effective October 2012

Non-Personal banking

Business banking

Business and Rural Loan Terms and Conditions (PDF 160kB) Effective October 2012 ANZ Visa Corporate and Purchasing Card Guide (PDF 164kB) Effective October 2012 ANZ Visa Business Guide (PDF 548kB) Effective 1 May 2012 ANZ Visa Company and Visa Company Gold Card Conditions of Use (PDF 88KB) Effective October 2012 ANZ Business MasterCard Conditions of Use (PDF 160KB) Effective October 2012 ANZ Business Preferred MasterCard Terms and Conditions (PDF 100kB) Effective October 2012

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