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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 5 August 2024.

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

Here's a copy of the detailed fee changes in Tongan.

Changes to customer banking services fees and charges

Fees we’re introducing

We are introducing these fees to better reflect the costs to us of providing the service.

  New fee
50 leaf cheque book $25.00
200 leaf cheque book $100.00

 

Charged at $0.50 per leaf and charged to the account that the cheque book is linked to.

Account New fee
USD Foreign Currency Account USD5.00
AUD Foreign Currency Account AUD5.00
NZD Foreign Currency Account NZD5.00
EUR Foreign Currency Account EUR5.00

 

This fee will be charged in the currency of the account and charged on the last day of the month.

Fees we’re changing

We are making changes to these fees and charges.

Account Current fee New fee
Access Everyday Account $2.50 per month No change
Access Premium Account $10.00 per month No change
Personal Cheque Account $10.00 per month No change
Business Cheque Account $10.00 per month No change

 

Please note this fee will be renamed to 'Monthly account fee'.

Account Current fee New fee
Access Everyday Account $0.50 per transaction $0.50 per transaction
Access Premium Account Free No change
Pacific Savings Account $3.00 per transaction $0.50 per transaction
Priority Cash Management Account $3.00 per transaction $0.50 per transaction
Personal Cheque Account $0.30 per transaction $0.50 per transaction
Business Cheque Account $0.30 per transaction $0.50 per transaction

 

  Current fee New fee
Local Access Card, access card replacement fee Free $10.00 per card
ANZ Visa Debit Card, card replacement fee $20.00 per card $10.00 per card
International Access Card, access card replacement fee Free $10.00 per card

 

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

  Current fee New fee
Certificate of account balance $10.00 per request No change
Certificate of interest paid/received $10.00 per request No change
Certificate photocopy/replacement $10.00 per request No change
Housing loan certificate $10.00 per request No change

 

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

  Current fee New fee
Certificate of audit $50.00 per request No change

 

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

  Current fee New fee
Issued at customer request $7.00 per cheque $10.00 per cheque
Replacement bank cheque $10.00 per cheque No change
Repurchase bank cheque $10.00 per cheque No change

 

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

  Current fee New fee
Small deposit book $5.00 per book $12.00 per book
Large deposit book $30.00 per book $40.00 per book

 

  Current fee New fee
Manual transfer to other banks/institution $10.00 per transaction $5.00 per transaction
Manual transfer to an account within ANZ $5.00 per transaction $5.00 per transaction

 

Please note these fees will be consolidated to 'Payment from list fee'.

  Current fee New fee
Unarranged overdraft fee

Min $15.00

Max $100.00 per day

 $15.00

 

  Current fee New fee
Statement issued when full $1.00 per page $2.50 per page
Photocopying $2.00 per page $2.50 per page
Interim statement issued upon customer request $1.00 per page $2.50 per page

 

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

  Current fee New fee
Break fee $100.00 No longer charged
Interest penalty for early withdrawal 2.00% off agreed interest rate 50% off the applicable interest rate at the time of investment. Minimum $100.00.

 

Please note this fee will be renamed 'Term Deposit early withdrawal fee'.

  Current fee New fee
Voucher retrieval $10.00 per item No change

 

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

  Current fee New fee
Document Handling fee Up to $200.00 $80.00 per activity

 

Please note this fee will be renamed 'Loan maintenance fee' and charged at $80.00 per activity. See updated ANZ Consumer Lending Products Terms and Conditions for new fee description.

Approved loan amount Current fee New fee
Loan Establishment Fee (Loan Approval Fee) 1.2% min $300.00 $650.00 per loan
Early settlement - Refinance  $500.00 $650.00 per loan

 

Please note this fee will be consolidated and renamed 'Loan approval fee'.

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.

Approved loan amount Current fee New fee
<$500 $100.00 $250.00 per loan
$500<$5,000  $300.00 $250.00 per loan
$5,000<$20,000 $500.00 $250.00 per loan
$20,000<$50,000 $1,000.00  $250.00 per loan
$50,000+ 1.2% of loan amount $250.00 per loan
Early settlement - Refinance $500.00 $250.00 per loan

 

Please note this fee will be consolidated and renamed 'Loan approval fee'.

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.

Approved loan amount Current fee New fee
<$500 $100.00 $500.00 per loan
$500<$5,000  $300.00 $500.00 per loan
$5,000<$20,000 $500.00 $500.00 per loan
$20,000<$50,000 $1,000.00  $500.00 per loan
$50,000+ 1.2% of loan amount $500.00 per loan
Early settlement - Refinance $500.00 No change

 

Please note this fee will be consolidated and renamed 'Loan approval fee'.

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

  Current fee New fee
Term loan, loan Establishment fee (Loan Approval fee) 1.2% min $300.00

1.50% of loan amount,

minimum $300.00

Overdraft, loan Establishment fee (Loan Approval fee) 

<$500

$500<$5,000

$5,000<$20,000

$20,000<$50,000

$50,000+

 

$100.00

$300.00

$500.00

$1,000.00

1.2%

1.50% of loan amount,

minimum $300.00
Early settlement - Refinance $500.00

1.50% of loan amount,

minimum $300.00

 

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

Current approved overdraft amount tiers Current fee                  New fee for all overdraft amounts

<$5,000

$5,000<$20,000

$20,000+

$20.00 monthly

$50.00 monthly

0.08% monthly

0.10% per month on highest limit.

Minimum $20.00 (minimum does not apply to foreign currency accounts).

 

Please note this fee will be renamed 'Overdraft management fee'.

Fees we’re removing

We have removed the following fees and charges.

  • Change supplied – Non-ANZ customers
  • Cheque transaction fee
  • Cheque dishonour fee
  • Foreign currency accounts – Staff assisted withdrawal fee
  • Holding fee (Commitment fee)
  • International access card – International ATM withdrawals including EFTPOS transactions
  • International access card – International ATM balance enquiry
  • Late/Loan arrears fee
  • Loan fees – Search fee
  • Loan fees – Searches of titles, firms, companies, bill of sale, crop lien etc
  • Loan fees – Repayment suspension
  • Loan fees – Property inspection fee
  • Loan fees – Inspection - construction
  • Loan fees – Insurance Handling
  • Local access card – PIN replacement fee
  • Overnight safe deposit – afterhours deposits via the night safe facility
  • Special answer fee – drawn on ANZ
  • Special answer fee – drawn on other banks
  • Standing orders – Setup fee for standing order
  • Standing orders – Payment by bank cheque to other bank account
  • Standing orders – Non-payment to ANZ account
  • Standing orders – Non-payment to other bank account
  • Stop cheque notice – Stop payment fee
  • Visa Debit card – PIN replacement fee
  • Visa Debit card – International ATM withdrawal fee
  • Visa Debit card – International ATM balance enquiry
  • Visa Debit card – International POS transaction

 

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