We have updated the Pay Anyone Terms and Conditions, which take effect from 3 October 2005. Please refer to the bold section under the heading Applying for Pay Anyone.

If you would like to print or read the Internet Banking Terms & Conditions, these can be found in the left-hand side navigation bar under ‘Terms & Conditions’ on the ANZ Internet Banking log on page. For more information, please call the ANZ Internet Banking HelpDesk on 0800 368 524 (international customers, please call +64 4 473 0370), 24 hours a day, 7 days a week.

Pay Anyone Terms and Conditions

The Pay Anyone facility is available on ANZ Internet Banking. These Terms and Conditions are in addition to the ANZ Internet Banking Terms and Conditions which you agreed to act in accordance with when you first registered for ANZ Internet Banking. Where these Terms and Conditions are inconsistent with the ANZ Internet Banking Terms and Conditions these Terms and Conditions will prevail. You should be familiar with the ANZ Internet Banking Terms and Conditions when reading and before accepting Pay Anyone Terms and Conditions. If you would like to review the ANZ Internet Banking Terms and Conditions, click here.

Once you have read the Pay Anyone Terms and Conditions, you can accept them by clicking on the 'I accept these Terms and Conditions' link below and submitting your on-line request for access to the Pay Anyone facility. By doing this and using the ANZ Pay Anyone facility you agree to be bound by these Terms and Conditions.

Pay Anyone allows the account holder of a single authority account nominated for access on ANZ Internet Banking to transfer cleared funds from that account to another account held at any registered bank in New Zealand. Pay Anyone is not available on multi-authority accounts.

To apply for Pay Anyone, you must select the Pay Anyone option and specify that you want to set up a Pay Anyone daily transfer limit of:

• $1,000;
• $5,000;
• $10,000;

If you have nominated a single authority business transaction account for access on ANZ Internet Banking, you may select one of the above daily transfer limits or a daily transfer limit of either:

• $15,000: or
• $25,000.

The Pay Anyone daily transfer limit that you select will apply to all accounts linked to your Customer Registration Number on which Pay Anyone is available.

If you have requested Pay Anyone with a daily limit of $1,000, the Bank will make this facility available to you when you next log on after 12 midnight on the day you apply.

If you have requested Pay Anyone with a daily limit of $5,000, the Bank will make this facility available to you once the Bank has issued you with an Action Number by mail. You must use the Action Number given to you by the Bank:

• within 28 days of your request for access to Pay Anyone and
• before you first give the Bank instructions to make a Pay Anyone transfer.

If you have requested Pay Anyone with a daily limit of $10,000, $15,000 or $25,000 the Bank will make this facility available to you when:

• it issues you with an Action Number by mail; and
• within 28 days of your request for access to Pay Anyone, you call the ANZ Internet Banking Customer Service Team and comply with directions to provide the Bank with any of your security details that it requires; and
• your Action Number is used to activate your Pay Anyone service.

Your Action Number is a security feature designed to prevent unauthorised access to Pay Anyone. You should not reveal your Action Number to any other person. If your Action Number has been or may have been disclosed, you must contact the Bank immediately on 0800 368 524.

If you have a Pay Anyone daily transfer limit of $10,000, $15,000 or $25,000 and you change your password via the Internet Banking Helpdesk, your daily transfer limit will automatically be reduced to $5,000 (this does not apply to the customer-initiated change password function within the Internet Banking site). You will need to re-apply for the greater limit using the above procedures after you have changed your password. Because you may have to wait for the Bank to issue you with a new Action Number upon re-application, you should ensure you allow yourself sufficient time to complete the application process before you need to use the greater daily transfer limit.

To make a transfer in Pay Anyone, you must:

• select the 'Pay Anyone' option;
• select the account from which the Pay Anyone is to be made;
• select the account to which the Pay Anyone is to be made;
• enter the name of the person(s) making the payment. This will generally be your name or your company name;
• enter the amount of the Pay Anyone;
• select 'One Off Transfer' if the payment is a one-off transfer OR select 'Regular transfers' if the payment is a recurring transfer;
• for "One-off transfer", enter the date of the transfer;
• for "Regular transfer", enter the start date of the first transfer, the date the transfers cease and the frequency of the transfers; and
• review and select the Submit option.

To enable you to select an account to which a transfer is to be made, you must first set up that account by selecting "My Payees" under the "Update Details" option and providing the Bank with the following details of the account:

• the payee's account number;
• the payee's account name; and
• payee description (customised name that you may choose).

How to make a Pay Anyone Transfer using Multi Pay Anyone

If you have nominated a single authority business transaction account to your Customer Registration Number, you may use Multi Pay Anyone to transfer funds to multiple third parties.

1.1 To transfer funds to up to 15 payees with a single debit to your Linked business Account using Multi Pay Anyone, you must select the "Multi Pay Anyone" option within Internet Banking and provide the Bank with the information required within that option. The Bank recommends that you review and confirm accuracy of payments on "Multi Pay Anyone - Confirm" page, and print the "Multi Pay Anyone-Receipt" page for your records and reconciliation against your statement.

1.2 To enable you to select a payee to which a transfer is to be made, you must first set up that account by selecting "Add a payee" from the "My Pay Anyone Payees" page under the "Update My Details" option and providing the Bank with the details of the account requested on that page.

How to make a transfer to your employee/s using Payroll Payments

If you have nominated a single authority business transaction account to your Customer Registration Number, you may use Pay Anyone to pay your employees through the Payroll Payments function.

To transfer funds to up to 15 of your employee/s using Payroll Payments, you must:

(a) select the 'Payroll Payments' option from within the service;

(b) select the employees you wish to pay;

(c) click on the 'Prepare pays' option;

(d) select the linked account from which the transfer is to be made. This must be a business account;

(e) enter the name of the person(s) making the transfer. This will generally be your business name;

(f) enter the message that you would like your employees to receive on their statement (eg 'Pay/Salary');

(g) enter each individual amount that is to be paid to each employee;

(h) select the date the transfer is to be made;

(i) select the 'Proceed' option;

(j) review and confirm accuracy of payments on 'Payroll Payment - Confirm Pays' page, then click on 'Submit' link;

(k) print 'Payroll Payment-Receipt' page for your records and reconciliation against your statement.

2.2 To enable you to select an employee to which a transfer is to be made, you must first set up that account by selecting "Add an employee" from the "Payroll Payment - Employee List" page under the Payroll Payments option and providing the Bank with the following details of the account:

(a) employee reference or salary number (this can be up to 20 characters in length);

(b) the employee's account name;

(c) the employee's account number.

Important Information:
Payment will be made to the account number you provide. Any error in entering these numbers may result in payment being made to unintended third parties or the payment not being made at all. It is your responsibility to ensure that you provide the Bank with the correct account numbers.

Under these Terms and Conditions the Bank is not required to and does not check that the account numbers correspond with the bank and account name of the payee details provided by you. The Bank is not responsible for any inaccuracy in your instructions.

The Bank can act on any instruction to make a transfer using your Customer Registration Number, Password and, where applicable, your Action Number, whether or not you have authorised the instruction.

The Bank will issue a lodgement number to you upon receipt of an instruction for any future dated transfers. The Bank will issue a receipt number once a future dated transfer or an immediate transfer has been performed. The receipt number will also appear on your account statement.

You cannot cancel or change a transfer once the Bank has issued a receipt number. Future dated transfers may be cancelled or changed (skip / unskip) up until midnight of the day before the Pay Anyone transfer is scheduled to occur.

The Bank will not get involved in any dispute between you and any person you pay or try to pay. The Bank can make Pay Anyone transfers in any order it wishes.

The Bank may not process your instructions to make a transfer from a nominated account if:

• any of your instructions are incomplete in any respect;
• the nominated account has an agreed credit limit and the transfer will result in the nominated account exceeding that credit limit;
• the nominated account does not have a credit limit and the transfer will exceed the available cleared funds credited to the nominated account; or if
• there is a technical failure which prevents the Bank from processing your instructions.

If you click the "submit" option by mistake, please contact the ANZ Internet Banking Team on 0800 368 524 immediately.

The Bank will process your instructions to make a transfer:

• on the day the Bank receives these instructions, provided that they are received prior to 10.30 pm (8.30pm if transferring from a credit card account) on a Business Day; and otherwise
• on the Business Day following the day the Bank receives your instructions.

For transfer to another account with the Bank, the transfer will be immediate. For transfer to an account with another bank, the account from which the payment is made will be debited immediately. When the payee's account will be credited will depend on the policy and systems of the payee's bank.

Except where you have been deactivated under these Pay Anyone terms and conditions, the Bank will do its best to ensure continuous access to the Pay Anyone facility. However, the Bank is not responsible for any loss you suffer as a result of you being unable to use the Pay Anyone facility including delays or errors in processing your Pay Anyone instructions caused by any other bank.

You are responsible for taking reasonable and appropriate anti virus and other security measures in relation to your computer equipment. If unauthorised access to the Pay Anyone facility occurs through your failure to have such security measures in place, you may be liable for any loss that you suffer as a result of those unauthorised transactions.

You are not liable for loss caused by:

• fraudulent or negligent conduct by employees or agents of the Bank or parties involved in the provision of electronic banking services;
• faults that occur in the ANZ Internet Banking machines or systems used, unless the faults are obvious or advised by message or notice on display;
• unauthorised transactions occurring before you have received any Password, Customer Registration Number or your Action Number. In any dispute about receipt of Passwords or Action Numbers that are not issued to you in person, we will not rely on proof of dispatch to your correct address as proof that the Password or Action Number was received; and
• any other unauthorised transactions where it is clear that you could not have contributed to the loss.

You are liable for all loss if you have acted fraudulently, either alone or together with any other person.

You may be liable for some or all of the loss from unauthorised transactions including Pay Anyone transfers if you have contributed to or caused that loss by, for example:

• selecting an unsuitable Password;
• keeping a written record of a Password, or disclosing any Password, Customer Registration Number or Action Number to any other person;
• failing to take all reasonable steps to prevent disclosure to any other person when keying in a Password, Customer Registration Number or Action Number; or
• unreasonable delay in notifying the Bank of the actual or possible disclosure to any other person of your Password, Customer Registration Number or Action Number.

If you have promptly reported the actual or possible disclosure of your Password, Customer Registration Number or Action Number to the Bank, you are not liable for loss occurring after notification to the Bank unless you have acted fraudulently or negligently.

If you have not acted fraudulently or negligently and have not contributed to or caused losses from unauthorised use, your liability for any loss occurring before notification to the Bank is limited to the lesser of:

• NZ$50; or
• the balance of your accounts, including any pre-arranged credit; or
• the actual loss at the time you notified the Bank.

If you have not acted fraudulently or negligently but have contributed to or caused losses from unauthorised transactions, you may be liable for some or all of the actual losses occurring before notification to the Bank except for that portion of the total losses incurred that exceeds the balance of your accounts, including any pre-arranged credit.

If you let anyone else use your Customer Registration Number, Password or Action Number, you will be liable for any transactions made on ANZ Internet Banking by or with the consent of that person.