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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 17 June 2024.

The main reason behind those changes 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.

Account Current fee New fee
Access Everyday Account

$1.50 per month

 Free
Personal Cheque Account 

$10.00 per month

 $3.00 per month
Business Cheque Account  $10.00 per month $3.00 per month

 

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 $0.25 per transaction
Pacific Savings Account $3.00 per transaction $0.25 per transaction
Priority Cash Management Account $3.00 per transaction $0.25 per transaction
Personal Cheque Account $0.60 per transaction $0.25 per transaction
Business Cheque Account $0.60 per transaction $0.25 per transaction
Statement Savings Account $0.50 per transaction $0.25 per transaction

 

  Current fee New fee
Visa Debit Card $5.00 per card $7.00 per card
Local Access Card $5.00 per card $7.00 per card

 

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

  Current fee New fee
Certificate of account balance $5.00 $5.00 per certificate
Certificate of interest paid or received $5.00 $5.00 per certificate
Certificate - Opinions/references $50.00 $5.00 per certificate

 

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

  Current fee New fee
Audit certificate (per account) $50.00 $25.00 per certificate
Certificate supplied (Audit Comprehensive) $20.00 $25.00 per certificate

 

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

  Current fee New fee
100 leaf book $10.00 $50.00
200 leaf book $15.00 $100.00

 

Please note 30 and 50 leaf cheque books will no longer be offered.

Account Current fee New fee
Personal Cheque Account $50.00 per event $10.00 per event
Business Cheque Account 2.5% of excess balance per event, minimum $300.00 $10.00 per event
Passbook Savings Account $20.00 $10.00 per event

 

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

Currency Current fee New fee
USD $5.00 per month $5.00 per month
JPY Y400 per month Y400 per month

 

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

  Current fee New fee
Overdraft line fee   

$1 to $1,500 - $25.00

$1,501 to $2,500 - $35.00

$2,501 to $5,000 - $45.00

$5,001 to $10,000 - $50.00

$10,001 to $25,000 - $75.00

$25,001 to $50,000 - $100.00

$50,001 to $100,000 - $150.00

$100,001 to $200,000 - $200.00

$200,001 to $500,000 - $250.00

$500,001 and over - $300.00                                            

 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'.

  Current fee New fee
Discharge fee $3.50 $10.00
Mortgage Fee - Security $10.00 $10.00

 

Please note these fees will now be consolidated to the 'Loan maintenance fee' and charged at $10 per activity. See updated ANZ Consumer Lending Products Terms and Conditions for new fee description.

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 

$300 to $750 - $40.00

$751 to $1,500 - $75.00

$1,501 to $3,000 - $100.00

$3,001 to $5,000 - $150.00

$5,001 to $10,000 - $300.00

$10,001+ - 3% (min $300)    

 $400.00

 

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 

$300 to $750 - $40.00

$751 to $1,500 - $75.00

$1,501 to $3,000 - $100.00

$3,001 to $5,000 - $150.00

$5,001 to $10,000 - $300.00

$10,001+ - 3% (min $300)     

 $150.00

 

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 

$300 to $750 - $40.00

$751 to $1,500 - $75.00

$1,501 to $3,000 - $100.00

$3,001 to $5,000 - $150.00

$5,001 to $10,000 - $300.00

$10,001+ - 3% (min $300)      

 $300.00

 

We are simplifying how we calculate the Loan/Facility approval fee for Business customers by having one fee which applies for all Business lending types. 

  Current fee New fee
Business loan/facility 

$300 to $750 - $40.00

$751 to $1,500 - $75.00

$1,501 to $3,000 - $100.00

$3,001 to $5,000 - $150.00

$5,001 to $10,000 - $300.00

$10,001+ - 3% (min $300)    

 1.5% of approval amount, minimum $200.00
Business overdraft

$300 to $750 - $40.00

$751 to $1,500 - $75.00

$1,501 to $3,000 - $100.00

$3,001 to $5,000 - $150.00

$5,001 to $10,000 - $300.00

$10,001+ - 3% (min $300)     

 1.5% of approval amount, minimum $200.00

 

Please note this fee will be renamed 'Facility approval fee'.

Account Current fee New fee
Access Everyday Account $5.00 $2.00 per transaction
Statement Passbook Account $5.00 $2.00 per transaction
Pacific Savings Account $5.00 $2.00 per transaction
Priority Cash Management Account $5.00 $2.00 per transaction
Personal Cheque Account Included within Transaction fee $2.00 per transaction
Business Cheque Account Included within Transaction fee $2.00 per transaction

 

Please note this fee will be renamed 'Staff assisted transaction fee' and will also include Transfer of Funds between Accounts at Customer’s Request (within Kiribati). See updated ANZ Savings & Transaction Products Terms and Conditions for new fee description. 

  Current fee New fee
Statements - Interim issued upon customer request $2.00 per page $1.00 per page

 

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

  Current fee New fee
Business (>$10K)         2%, min $100.00         50% off the applicable interest rate at time of investment, with minimum of $30.00
Personal (<$10K) $100.00 50% off the applicable interest rate at time of investment, with minimum of $30.00

 

Please note these fees will be consolidated into a single fee and renamed 'Term Deposit early withdrawal fee'.

  Current fee New fee
Voucher - Retrieval  $5.00 per item $5.00 per item
Voucher - Retireval hourly charge $50.00 per hour $5.00 per item

 

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

Fees we’re removing

We have removed the following fees and charges.

  • Annual Review Fee
  • Arrears Fee – late, missed or short repayment noted
  • Bank Cheque – Issued at customers request
  • Bank Cheque – Issued to non-customers
  • Bank Cheque – Repurchase bank cheque
  • Changing notes to coins fee ($0-$100)
  • Cheque dishonour fee
  • Collection fee on deposits (Personal and Business cheque accounts)
  • Encashment of cheques over the counter
  • Local & International Access Cards – International balance enquiries
  • Local & International Access Cards – International ATM withdrawals including EFTPOS transactions
  • Multi Entry Schedules (Direct Credit) – Listpay
  • Passbook – replacement fee
  • Passbook – issuance/renewal fee
  • Replacement PIN fee (Local and International Access Cards and Visa Debit Card)
  • Special Answer Fee – drawn on our bank (service will no longer be offered)
  • Special Authority Amendments – Amendment
  • Special Authority Amendments – Authority requiring encashment upon id
  • Special Authority Amendments – Business/Government
  • Special Authority Amendments – Internal Transfer from account to account
  • Standing Orders (Periodical Payments) – to ANZ accounts from Current/Access Account (service still available through digital channels)
  • Standing Orders (Periodical Payments) – Non-Payment Fee (Beneficiary own account)
  • Stop cheque payment notice
  • Transaction fee charged monthly (Personal and Business cheque accounts)
  • 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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