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Changes to ANZ rates, fees and agreements

Changes to ANZ fees and charges

We’re making changes to some of our fees and charges for personal, business and commercial customers. These changes will come into effect from 8 July 2024.

The main reason behind those changes 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 to us of providing those products and services. These include:
- Loan approval fees for some loan amounts
- Loan maintenance fee in some situations
- Staff assisted transactions for some Personal and Business Cheque account customers with free alternative options through digital channels (effective 5 August 2024)
- Cheque books although other cheque related fees are removed
- Deposit books
- Printing fee for some types of photocopying request
- Voucher retrieval fee in some circumstances
- Term Deposit early withdrawal fees and charges in some circumstances
Combining similar fees into one fee to reduce complexity.
Changing fee charging frequency from quarterly to monthly for some fees.
Simplifying retail loan approval fees, so that our customers are not charged more for higher loan amounts.
Simplifying business and commercial fees to reduce complexity.
Removing some fees and services.
Making some other changes to the documents.

Further detail of these changes can be found on our fee changes page. If you have any questions, please do not hesitate to contact us on +685 69999 or visit an ANZ branch.

The following documents will be updated to reflect these changes:

ANZ Savings & Transaction Products Terms and Conditions
ANZ Fees and Charges Customer Banking Services
ANZ Consumer Lending Products Terms and Conditions

Updated copies of these documents will be available from 8 July 2024 on our fees and charges page or our product terms and conditions page and in our branches upon request.

Changes to the ANZ Electronic Banking Conditions

We are removing the requirement to notify customers of functional changes or upgrades to electronic banking services, from the ANZ Electronic Banking Conditions.

This change will take effect on 8 April 2024.

The updated ANZ Electronic Banking Conditions will be available online, from 8 April 2024.

Changes to ANZ fees and charges

We’re making changes to some of our fees and charges, effective 20 November 2023.

We’ve summarised the changes below.


Fee brochure	Current fee	New fee
Unarranged overdraft fee	Daily charge of 1.5% of the excess; minimum $45.00	$30.00
OD excess fee	1.5% on excess balance minimum $45.00	$30.00
Access card replacement fee	$5.00 per card	$12.50 per card
Visa Debit Card – Card replacement fee	$20.00 per card	$12.50 per card
Statements – Computer Printout Interim issued upon customer request Repeat statements (each additional copy) Special request for issue of statement (on a daily, weekly, fortnightly, monthly, etc basis)	$2.00 per page	$3.00 per page
Annual Review Fee – Business Account	$100.00	Free

The updated ANZ Fees and Charges – Customer Banking Services will be available on our fees and charges page 20 November 2023.

Changes to the ANZ Pacific POS Merchant Services Terms and Conditions

Effective from 1 July 2023

We’re updating the ANZ Pacific POS Merchant Services Terms and Conditions to include specific terms and conditions for merchant-initiated recurring transactions. These changes will be effective from 1 July 2023.

For any information on merchant-initiated recurring transactions, please contact our ANZ Digital Channels team on ANZDTS@anz.com.

The updated ANZ Pacific POS Merchant Services Terms and Conditions will be available on our product terms and conditions page from 1 July 2023.

Important information

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