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Changes to ANZ fees and charges

We’re making changes to some of our fees and charges. These changes will come into effect from 9 September 2024.

The main reason is to simplify the way our fees work, or to reduce or remove them entirely.

Changes to customer banking services fees and charges

Fees we’re changing

We are making changes to these fees and charges.

Update 7 October 2024: Certificates supplied fees (Audit) was updated due to an error on the original notice. 

Account Current fee New fee
Access Everyday Account

$2.00 per month

 No change
Access Premium Account

$7.00 per month

 No change
Personal Cheque Account 

$5.00 per month

 $3.50 per month
Business Cheque Account  $3.50 per month No change

 

Please note this fee will be renamed 'Monthly account fee' for all accounts.

Account Current fee New fee
Access Everyday Account $0.20 per transaction No change
Access Premium Account Free No change
Pacific Savings Account $3.00 per transaction $0.20 per transaction
Priority Cash Management Account $3.00 per transaction $0.20 per transaction
Personal Cheque Account $0.20 per transaction No change
Business Cheque Account $0.20 per transaction No change

 

  Current fee New fee
Issued at customers request

$15.00

 No change
Replacement bank cheque

$15.00

 No change
Repurchase bank cheque

$15.00

 No change

 

Please note these fees will be consolidated and renamed ‘Bank cheque fee’.

  Current fee New fee
Visa Debit Card $10.00 per card No change
Local Access Card $15.00 per card $10.00 per card
International Access Card $15.00 per card $10.00 per card

 

Please note these fees will be consolidated to 'Card replacement fee'.

  Current fee New fee
Certificate of balance of account $15.00 $15.00 per certificate
Certificate of interest paid or received, each account $30.00 $15.00 per certificate
Certificates - photocopy/replacement $10.00 $15.00 per certificate

 

Please note these fees will be consolidated and renamed 'Simple certificate fee'.

  Current fee New fee
Audit certificate (per account) $50.00 No change

 

Please note this fee will be renamed 'Auditor’s confirmation certificate fee'.

Update 7 October 2024: the Certificates supplied fees (Audit) incorrectly stated that there was a reduction in the price of this fee on the original notice.

  Current fee New fee
50 leaves (small) $15.00 $50.00

 

Please note 100 leaf cheque books will no longer be offered.

  Current fee New fee
Excess fee 1.5% of overdrawn amount, minimum $35.00 $30.00 per event

 

Please note this fee will be renamed 'Unarranged overdraft fee'.

Currency Current fee New fee
AUD $5.00 per month $5.00 per month
USD $5.00 per month $5.00 per month

 

Please note these fees are not currently charged. They will be charged from the end of September 2024.

  Current fee New fee
Line fee   

$1 to $5,000 - $10.00

$5,001 to $50,000 - 2.25% p.a.

$50,001 and over - 1.50% p.a.                                           

 0.125% per month on highest limit, minimum $10.00 (minimum does not apply to foreign currency accounts)

 

Please note this fee will be renamed 'Overdraft management fee'.

We are simplifying how we calculate the Loan approval fee for home loans by removing tiered pricing and implementing a flat fee for each approval.

  Current fee New fee
Loan approval fee 

Up to $5,000 - $250.00

$5,001 to $19,999 - $300.00

$20,000 to $49,999 - $500.00

$50,000 and over - Min 1.50%

 $450.00

 

We are simplifying how we calculate the Loan approval fee for unsecured personal loans by removing tiered pricing and implementing a flat fee for each approval.

  Current fee New fee
Loan approval fee 

Up to $5,000 - $250.00

$5,001 to $19,999 - $300.00

$20,000 to $49,999 - $500.00

$50,000 and over - Min 1.50%

 $200.00

 

We are simplifying how we calculate the Loan approval fee for secured personal loans by removing tiered pricing and implementing a flat fee for each approval.

  Current fee New fee
Loan approval fee 

Up to $5,000 - $250.00

$5,001 to $19,999 - $300.00

$20,000 to $49,999 - $500.00

$50,000 and over – Min 1.50%

 $325.00

 

  Current fee New fee
Discharge fee (each item) $80.00 No change
Settlement $100.00 $80.00

 

Please note these fees will now be consolidated to the 'Loan maintenance fee' and charged at $80 per activity. See updated ANZ Consumer Lending Products Terms and Conditions for new fee description from 9 September 2024.

Account Current fee New fee
Access Everyday Account $3.00 per transaction No change
Access Premium Account Free No change
Pacific Savings Account $3.00 per transaction No change
Priority Cash Management Account $3.00 per transaction No change
Personal Cheque Account Free $3.00 per transaction
Business Cheque Account Free $3.00 per transaction

 

Please note this fee will be renamed ‘Staff assisted transaction fee’ and will also include Manual Transfers (within Cook Islands). See updated ANZ Savings & Transaction Products Terms and Conditions for new fee description from 9 September 2024.

  Current fee New fee
Interim issued upon customer request $1.00 per page $2.50 per page
Repeat statements (per page) $7.50 per page $2.50 per page

 

Please note these fees will be consolidated and renamed 'Printing fee'.

  Current fee New fee
Term deposit break fee $50.00 + 2% penalty interest 50% off the applicable interest rate at time of investment, minimum $50.00

 

Please note this fee will be renamed 'Term Deposit early withdrawal fee'.

  Current fee New fee
Voucher/statement retrieval $50.00 per hour + photography costs $25.00 per item

 

Please note this fee will be renamed 'Search fee'.

Fees we’re removing

We have removed the following fees and charges.

  • Activity fee for cheques presented
  • Annual Review Fee
  • Arrears Fee
  • Cashed cheque over the counter fee (including two free cashed cheques per month)
  • Cheque dishonour fee
  • Courier Card/PIN to overseas address
  • Dormant account fee
  • Facility Extension Fee (note: a loan approval fee may apply)
  • International ATM withdrawals including EFTPOS transactions
  • Mailing Card/PIN to overseas address
  • Manual Transfers – Manual transfer to an account within ANZ
  • Manual Transfers – Manual transfer to other banks/institutions
  • Miscellaneous – Service not covered elsewhere
  • Non-ANZ customers - Change supplied (notes and coins)
  • PIN replacement fee
  • Property Inspection/Valuation fees
  • Special Answer Fee – Drawn on our bank
  • Special Answer Fee – Drawn on other banks
  • Standing Orders (Periodical Payments) - Non-Payment Fee (Beneficiary own account
  • Standing Orders (Periodical Payments) – Transfer to other banks
  • Stop cheque payment notice 
  • Visa Debit Card – International fees - ATM withdrawal fee
  • Visa Debit Card – International fees – ATM balance enquiry fee
  • Visa Debit Card – International fees - POS transaction fee
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