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The following information is current as at 12th September 2008 and subject to change.
Service charges apply when the specific service is used, and are in addition to account transaction charges. They are detailed below.
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Duplicate or additional statement copies
Includes Tax Deduction Certificate |
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$3.50 per issue |
| All other documents |
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$4.00 per page |
| Additional copies of same original |
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$1.00 per page |
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| Initial ANZ night & Day.PIX card |
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$10 |
| ANZ night & Day.PIX card redesign |
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$5 |
Replacement
Including ANZ Night & Day.PIX card |
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$15.00 per card |
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Customers will not be charged the replacement card fee where the magnetic stripe is wiped and the card does not work or where the card has been stolen.
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ANZ ATMs
For withdrawal, funds transfer, balance enquiry |
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No charge |
| National Bank ATMs |
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No charge |
Non–ANZ and National Bank ATMs
For withdrawal, funds transfer and balance enquiry |
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$1.00 |
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| Balance enquiry |
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No charge |
| EFTPOS purchase |
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$1.00 |
| ATM cash withdrawal |
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$7.50 |
| A currency conversion fee applies to foreign currency transactions. Includes transactions through the MasterCard maestro and Visa PLUS networks |
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2.5% of the
NZ$ amount |
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| Monthly access fee: |
TXT Banking only
M–Banking only
Both TXT and M–Banking |
$2.00
$2.00
$2.00 |
| Account transfers: |
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normal transaction fees |
| Pay Anyone: |
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normal transaction fees |
| Account alerts: |
to set up a new alert
to change or cancel an alert
to receive an alert |
Free* (or $5.00)
Free* (or $5.00)
25c each |
* Free via the M–Banking menu, or $5 if you do it in–branch or over the phone. |
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| Establishment, amendment and/or suspension of AP |
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$5.00 each |
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For APs to ANZ Serious Saver accounts, one AP establishment fee and all AP service fees will be waived (transaction fees still apply).
You can pay money into an ANZ Youth account by AP from another ANZ account without incurring AP establishment or AP service fees (transaction fees still apply).
AP service fees do not apply where the AP is between the same ANZ account base number or where the customer is both the payee and payer of the AP between ANZ accounts.
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| Missed loan payment fee |
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$20.00 each |
May be charged (to your funding account) if there are insufficient funds in your funding account to meet a loan repayment on the agreed date. |
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| Collection item fee: |
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25c |
| First 10 cheques deposited per account per key date cycle are free. Thereafter the collection item fee applies. |
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| Deposit preparation fee |
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$50.00 per hour (minimum $25.00) |
| Other bank deposit fee |
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$15.00 |
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| Up to $2,000.00 |
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Free |
| $2,000.00 and over |
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25c per complete $100.0
(minimum $5.00) |
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To be charged, per customer, on the total cash amount deposited or withdrawn in any one business day.
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| Stopped cheques |
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$20.00 |
| Special answers > overnight |
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$15.00 |
| > same day |
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$25.00 plus disbursements |
| > by hand |
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$40.00 per hour
(minimum $25.00) |
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| Issue/Replacement |
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$5.00 |
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| Replacement (damage or loss): |
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$15.00 |
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| Fee: |
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$25.00 |
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| Inoperative account fees are charged on accounts with a balance less than $150 that haven't been used for one year or more. If the account balance is $30 or less, it may be closed. |
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| Up to and including $2,500.00 | $20.00 | $60.00 p.a. |
| $2,501.00 and over | $40.00 | $60.00 p.a. |
Debit interest may also apply.
Applies to overdrafts on personal transaction accounts. |
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| Authorised Overdraft approval fee |
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From $75.00 |
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| Up to and including $2,000.00 |
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$36.00 p.a. |
| More than $2,000.00 and less than $50,000.00 |
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1.8% p.a. of total limit |
$50,000.00 and over
Debit interest may also apply. |
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1.4% p.a. of total limit |
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| Applies to overdrafts on business transaction accounts. | |
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| Credit facility fees apply to accounts that have an overdraft. They are calculated daily on the overdraft limit and charged monthly on the accounts' key dates. |
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$10.00 for first transaction per day |
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| ANZ can choose to charge an unarranged overdraft fee when it honours a payment that causes an account to become overdrawn (beyond either the available balance or the approved overdraft limit). |
| The fee is charged the first time this happens each day, with a maximum of $10 per account per day. |
| Applies to withdrawals and transfers, including those done by ATM, EFTPOS, ANZ Phone Direct, ANZ Internet Banking, cheque, automatic payment, direct debit, Bill Payment and Pay Anyone. Debit interest also applies. |
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| Cheque, automatic payment and direct debit |
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$30.00 per transaction |
| Future dated Bill Payment and Pay Anyone transactions via internet banking |
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$10.00 per transaction |
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| ANZ can choose to charge an Insufficient Funds Fee when it declines a payment because there are not enough cleared funds in an account. The fees apply to transactions made by cheque, automatic payment and direct debit and to future dated Bill Payment and Pay Anyone transactions via internet banking. Debit interest also applies. |
| Debit interest applies to accounts with an overdraft or accounts that are overdrawn. Charges monthly on the account's key date, although exceptions may apply for the ANZ Student account and the
ANZ Graduate account. |
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International funds transfer
Overseas bank charges may apply
Via any ANZ branch, ANZ Phone Direct*
or ANZ Internet Banking International Services*:
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| Issue | $25.00 |
| Amendment | $25.00** |
| Via any ANZ Direct Online*:
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| Issue
| $15.00 |
| Amendment | $15.00** |
| Via any of the above options: | |
Enquiry
Where the beneficiary is claiming non–receipt of funds. | $50.00
charge may apply*** |
Cancellation
ANZ will make every attempt to return funds; however the beneficiary may have already been paid. | $50.00** |
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Overseas bank charges may apply
Via any ANZ branch:
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Issue | $22.00 |
| Reissue/replacement# | $22.00 |
Via ANZ Phone Direct*
or ANZ Internet Banking International Services*: | |
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Issue | $18.00 |
| Reissue/replacement# | $18.00 |
| Via any of the above options: | |
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Stop payment# | $30.00 |
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Payments credited to an ANZ account## | |
| In New Zealand dollars or foreign currency | $15.00 |
| Payments taken in cash or credited to a non–ANZ New Zealand bank account in NZ dollars | $27.00 |
| Payments credited to a non–ANZ bank account in foreign currency | $75.00 |
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Deposit of foreign cheques to an ANZ account
In New Zealand dollars or foreign currency | $5.00 per deposit |
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ANZ sells: | |
| Foreign currency notes | 1.1% of the NZ$ amount
(minimum $12.00) |
| Foreign currency travellers cheques | 1.1% of the NZ$ amount
(minimum $15.00) |
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ANZ buys: | |
| Foreign currency notes | |
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- Converted to NZ dollars | $5.00 |
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- Credit to a Foreign Currency Account | 1.1% of the NZ$ amount
(minimum $12.00) |
| Foreign currency travellers cheques | $5.00 |
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Overseas bank changes may apply | |
| Account opening fee | $130.00 |
| Account opening deposit – issue of International Funds Transfer or International Bank Draft | See above |
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Foreign Currency Call Account
Charged on the first business day of the next month | NZ$20.00 equivalent monthly fee |
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Foreign Currency Investment Account | One free withdrawal a month, then NZ$5 equivalent fee for each subsequent withdrawal. |
Transaction fees and other fees and charges may apply to transactions that are initiated through ANZ Foreign Currency Accounts.
Any fee of charged stated in a currency other than that of your ANZ Foreign Currency Account will be converted into the applicable foreign currency, at the prevailing exchange rate of the day of the transaction.
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*Only available to registered users of these services
**Plus applicable exchange rate fluctuation.
***A $50.00 fee may apply in certain circumstances, please check with our staff.
#ANZ can only provide this service if the bank draft has not already been paid. Exchange rate fluctuations may apply.
##No fee charged for payments under $75.00 New Zealand dollar equivalent
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ANZ branches and other banks in New Zealand
on establishment and annual renewal | $20.00 |
| Authorising charge if transferring to another bank | 1.0% of limit (minimum $15.00, maximum $40.00) |
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| Via branch or ANZ Phone Direct | $25.00 |
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| Information search fee | $50.00 per hour (minimum $15.00) 25c per copy of page from file |
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| 1–3 items | $15.00 per item |
| 4 or more items | $7.50 per item |
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| Available at selected branches only |
| Standard envelope | $35.00 p.a. |
| Large envelope | $55.00 p.a. |
| Small cash box provided by customer | $65.00 minimum p.a. |
| Access fee | A fee of $2.50 is charged each time a safe custody item is accessed. |
| Transfer fee (domestic only) | A $20.00 fee for arranging transfer of an item to another branch nationally. All other costs of transfer, including transportation, are payable by the customer. |
| $5.00 |
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| 1–5 accounts | $100.00 |
| 6–10 accounts | $150.00 |
| 11–15 accounts | $200.00 |
| 16–20 accounts | $250.00 |
| 21+ accounts | $500.00 |
| Less than 48 hours notice of requirement attracts double standard fee. |
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