Changes to ANZ rates, fees and agreements

We’re making changes to some of our Terms and Conditions. These changes will come into effect from 15 October 2025.

We’re making changes to these documents to enhance clarity, for consistency and to improve the way the products, services, rights and obligations are described.

Here’s a summary of the changes:

ANZ Savings & Transaction Products Terms and Conditions

• Amending the section describing how we can make changes to the terms and conditions, products and services. We have added more detail on the kinds of changes we might make to your product or service. We have also simplified the wording on how we will let you know of changes and the notice that we will give you.
• Updating the ways that we may give notice and communicate with you to allow for greater flexibility in how we get in touch with you.
• To give greater flexibility to how we return funds to you if your account is closed, we will no longer have to send a bank cheque.
• Providing greater clarity to customers on the governing law and jurisdiction of the Kiribati courts.
• Explaining in more detail how we calculate interest on non-business days.
• Adding the terms that apply when you arrange a Telegraphic Transfer.
• Updating some other details.

ANZ Electronic Banking Conditions

• Updating some of the sections on processing of electronic payments. This includes adding a page on our website providing more information.

ANZ General Terms and Conditions

• Updating the Kiribati Country Schedule to include more information on how we calculate interest on non-business days.

The following documents will be updated to reflect these changes and will be available on our website and in our branches from 15 October 2025.

• ANZ Savings & Transaction Products Terms and Conditions – Kiribati Edition
• ANZ Electronic Banking Conditions
• ANZ General Terms and Conditions – Kiribati Country Schedule

If you have any questions, please contact us.

Changes to ANZ trade fees and charges

Notice published 30 May 2025

We’re making changes to some of our fees and charges for trade customers. These changes will come into effect from 30 June 2025

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

Here’s a summary of the changes:

•  Reducing the cost of fees for certain services
•  Increasing certain fees to better reflect the cost of providing those products and services. These include:
  • Import Documentary credits – Acceptance of term drawings
  • Export Documentary credits – Document handling fee
  • Export Documentary collections – Outward collection
  • Shipping guarantee / Air waybill release – Air waybill release for some customers

•  Combining similar fees into one fee to reduce complexity 
•  Providing fee amounts where these were not provided; and
•  Removing a number of fees from the documents where the service is seldom or no longer requested.

Further detail of these changes can be found on our fee changes page. If you have any questions, please contact us on +686 74021095 or visit an ANZ branch.

The following documents will be updated to reflect these changes:

•  ANZ Fees and Charges Customer Banking Services Kiribati
•  ANZ Kiribati Standard Trade and Supply Chain Tariffs

Updated copies of these documents will be available from 30 June 2025 on our fees and charges page and in our branches upon request.