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These Terms and Conditions relate to a new service introduced within ANZ Internet Banking called International Services. This service is linked to the Pay Anyone functionality and the daily Pay Anyone limits. This service allows you to make international transfers, purchase international drafts or order foreign cash and travellers cheques. You must be registered for Pay Anyone to use this facility.
Once you have accepted these International terms and conditions, you will be able to access the International Services facility the next day.
International Services is offered through, and is part of, Internet Banking and Pay Anyone. These specific terms and conditions ("International Services Conditions") apply in conjunction with the General Terms and Conditions applicable to Internet Banking ("General Conditions") to which you agreed during your first log on and the Pay Anyone Terms and Conditions ("Pay Anyone Conditions") which you agreed to when you signed up for the Pay Anyone service.
To the extent of any inconsistency between the General Conditions, the Pay Anyone Conditions and the International Services Conditions, these International Services Conditions prevail unless the General Conditions, or Pay Anyone Conditions provide otherwise. You should be familiar with the General Conditions and Pay Anyone Conditions when reading and before accepting these International Services Conditions.
These International Services Conditions apply in relation to your use of International Services through Internet Banking.
Definitions of terms in bold can be found in the General Conditions and apply to these Conditions except that "you" in these Conditions does not apply to Authorised Users because Authorised Users are not permitted to have International Services access.
2.1 International Services is an optional service that you can choose to use if you have Pay Anyone. It does not have a separate daily limit. Therefore, the total of all Pay Anyone and International Services transfers (converted into New Zealand Dollars) on any particular day can not exceed your Pay Anyone daily limit.
2.2 To gain International Services access, you must first have successfully applied for Pay Anyone and have selected a Pay Anyone daily limit. Then you must agree to be bound by these International Services Conditions, by clicking on the "I Agree" box below. Access will be available from midnight on the day after your application is made.
2.3 If you do not use the Pay Anyone service for more than 120 days, your access will be deactivated. To reactivate your access to Pay Anyone you will need to call the Internet Banking Help Desk.
3.1 To give the Bank instructions to make an international funds transfer or to issue an international draft, you must provide the information requested by the Bank. Your instruction will not be processed if:
(a) all necessary information is not provided;
(b) there are insufficient available funds in the linked account from which funds are to be transferred;
(c) you do not have Pay Anyone access either when you give the Bank your instructions or when your payment or transfer is to be paid; or
(d) the Bank is restricted or prohibited by law, regulation, the requirement of a government or similar authority (including the Reserve Bank of New Zealand) or industry code from permitting the payment to occur.
3.2 International funds transfers will be made to the account number and branch details (including branch number if applicable) you provide or select in accordance with those clauses. You must ensure that you always provide the Bank with the correct account numbers and branch details.
3.3 the Bank is not required to, and does not, check that the branch number and account numbers correspond with the financial institution and account name of the payee provided by you. Any error in entering these details may result in a transfer being made to an incorrect payee or the transfer not being made at all. The Bank is not responsible for any inaccuracy in instructions given by you.
3.4 An international draft will be made payable to the person named as payee in your instructions. You must ensure that you always provide the Bank with the correct name of the payee. Any error in entering these details may result in the draft being made payable to an incorrect payee or the draft not being issued. the Bank is not responsible for any inaccuracy in instructions given by you.
3.5 the Bank is not responsible for the information that the payee receives in relation to an international funds transfer. This information is supplied to the payee by the payee's bank. the Bank has no control over the information the payee's bank provides the payee.
3.6 If you have a business account linked to your CRN, please refer to the special conditions for business customers, below.
4.1 The Bank will process instructions given by you to make an international funds transfer on the day the instruction is given, provided that the Bank receives the instruction prior to 4.30pm (NZT) on a Pay Anyone Processing Day. Otherwise the transfer will be made on the Pay Anyone Processing Day following the day the Bank receives the instructions. A Pay Anyone Processing Day means any day on which the Bank is open for business in New Zealand.
4.2 The Bank will ensure that instructions given by you to make a transfer are delivered to the payee's financial institution as soon as possible after ANZ processes those instructions (usually within two ANZ business days) except where:
(a) the Bank is not obliged to process your instructions under these International Services Conditions;
(b) there is a technical failure which causes any delay in the acceptance or transmission of the instructions;
(c) there is a delay or error in accepting the instructions caused by the financial institution to which the transfer is to be made.
4.3 Where your instruction is for a transfer by way of the Bank issuing an international draft, the Bank will send the draft by post to the delivery address shown on the confirmation page when you confirm your instructions to the Bank. It is your responsibility to forward the draft to the intended recipient.
4.4 The Bank cannot control when, or even if, the payee's financial institution processes your instructions or the fees that financial institution may charge to process your instructions. Further, the Bank cannot control whether you receive any international draft sent to you. To help ensure that you know when or if your instructions have been successfully completed, you should:
(a) ensure that you have received a lodgement receipt. This is a number issued by the Bank to you in relation to an international funds transfer or international draft instruction and is evidence that your instructions have been received (but not necessarily processed) by the Bank;
(b) ensure that you have received a separate receipt number. This will be issued to you when the Bank has processed your request;
(c) if you have requested an international funds transfer, confirm with the payee that your international funds transfer has been received. Once the Bank processes your transfer instruction, it relies on the payee's financial institution for advice that your instructions have not been successfully processed by that financial institution. If the Bank is advised that your instruction has not been successful, the Bank will promptly advise you and the relevant withdrawal from your linked account will be reversed. However, it may take up to 2 weeks, sometimes longer, for this to occur, depending on the other financial institution; and
(d) if you have requested an international draft, ensure that you receive the draft in the mail (your lodgement receipt will confirm the address the draft will be sent to).
For more information on receipt information, please see clause 9.1 of the General Conditions.
4.5 If the linked account you select from which the transfer is to be made is a credit card, the transfer will be by way of a cash advance and interest and fees may accrue on the cash advance. For further details on interest and fees payable, please refer to your linked account credit card conditions.
If the Bank has made a transfer to a person which is not in accordance with instructions given under these International Services Conditions, or for an amount which exceeds the amount requested in such an instruction, the Bank will credit the linked account from which the payment was made with the amount of that transfer or with the amount of any transfer made in excess of those instructions, as the case may be.
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