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Introducing ANZ Mobile Phone Banking
ANZ now offers you another way to manage your accounts–
Who can use ANZ Mobile Phone Banking?
ANZ Mobile Phone Banking.
ANZ Mobile Phone Banking is available to all ANZ
It’s fast, easy and couldn’t be more convenient. Whether
customers. Customers under 6 years of age are eligible for
you’re out to dinner or out on a job, ANZ Mobile Phone
enquiry-only access.
Banking allows you to do your banking anywhere, anytime*!
Before you can register for ANZ Mobile Phone Banking,
M-Banking offers a full mobile phone banking experience
you need to be registered for ANZ Phone or Internet
while TXT Banking is a more simplistic way of getting
Banking. If you’re not already an ANZ Phone or Internet
started. You can select from one or both of these options
Banking user, call us on 3 33 50 and we’ll register you on
> M-Banking: Request account balances or mini statements,
the spot. Once you have a Customer Registration Number,
transfer funds between your selected ANZ accounts, make
you can sign up for ANZ Mobile Phone Banking by visiting
Pay Anyone payments and receive scheduled alerts for up
www.anz.com/MobilePhoneBanking or calling us on
to ten accounts.
300 ANZ MOBI (300 69 664).
> TXT Banking: Send an SMS for an account balance or mini
Account Alerts (M-Banking and TXT Banking)
statement and/or receive scheduled alerts for up to three of
Do you like to keep track of how much is in your account?
your accounts.
Maybe you want to confirm each week that your pay has
To find out more or to register for ANZ Mobile Phone
been received?
Banking today, visit www.anz.com/MobilePhoneBanking or
An Account Alert is an SMS that provides your account
call us on 300 ANZ MOBI (300 69 664).
balance plus your most recent transactions. You can receive

Account Alerts for as many of your linked ANZ Mobile Phone
Banking accounts as you like.
All about M-Banking
Pay Anyone (M-Banking)
M-Banking offers the same security protection as
Pay Anyone lets you transfer money to other bank accounts
ANZ Internet Banking. Logon to M-Banking to:
in Australia. It’s a quick and convenient way to make one-
> check your account balances
off payments.
> view your last ten transactions
Let’s say you’re out for dinner with a group and the
> schedule and receive Account Alerts
restaurant has a ‘one bill per table’ policy. Your friend says
> transfer money between your ANZ accounts
she’ll pay so you simply use M-Banking to transfer your
share of the bill directly into her account – no waiting, no
> pay money into someone else’s bank account
hassles, no worries.
> have access to the account number details of up
You can also pay the babysitter, repay staff for out-of-pocket
to 0 of your ANZ accounts.
expenses or put money into your brother’s account for his
To use M-Banking, you’ll need a Java and
birthday. For your most frequent Pay Anyone transactions,
GPRS-enabled mobile phone. For a list of
you only need to load the account number once and save
compatible mobile phones, visit
it as a Favourite – a simple and easy way to make frequent
www.anz.com/MobilePhoneBanking or call us on
300 ANZ MOBI (300 69 664).
payments.
Check your account number (M-Banking)
You can also find out your own bank account number fast.
This can come in handy when you’re filling out forms or
All about TXT Banking
shopping online as well as when someone else wants to
make a Pay Anyone payment to you!
TXT Banking is a fast, convenient way to:
> check your account balances
> view mini account statements for up to three of
your ANZ accounts
> schedule and receive Account Alerts.
To use TXT Banking, all you need is a mobile phone
that can send and receive SMS.
*Subject to available mobile phone network connection.



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How much does it cost?
Of course, if your phone is ever lost or stolen, we can
Fees and charges may apply to ANZ Mobile Phone Banking
suspend your access to ANZ Mobile Phone Banking at any
and customers will be advised of these at the time of
time – just give us a call on 300 ANZ MOBI (300 69 664).
applying for the service or prior to the fee being charged.
How should I choose an M-Banking password?
What about mobile phone charges?
As with any password, your M-Banking password should be
› M-Banking: You will be charged data download costs as
easy to remember but not obvious to others. Do not use a
advised by your mobile phone network provider.
password based on easily accessible personal information
like birth dates or phone numbers.
› TXT Banking: You will be charged the standard SMS rate for
your mobile phone plan.
Your M-Banking password must be between 7 and 6 digits
(numbers) long. It cannot include:
Is M-Banking secure?
– any letters or ‘special characters’ (eg. ! ? , . & @ *)
Absolutely. ANZ M-Banking offers the same level of security
– more than three sequential numbers (eg. 34 or 43)
as ANZ Internet Banking using an encryption to code all
– more than three of the same number consecutively
information as it’s exchanged.
(eg.  or 9999).
You can only access your accounts when you have your
M-Banking password and your mobile phone – no one can
How do I download a new M-Banking Application?
access your account information from any other handset.
Simply log onto the ANZ Mobile Phone Banking website at
www.anz.com/MobilePhoneBanking to request that a new
application be downloaded to your mobile phone along
with a new Activation Code.
Please follow the steps below:
1. Click ‘Go’ from the ‘Re-download’ M-Banking
application menu.
2. On the next page, click ‘Download’.
3. You will be given an Activation Code which will be
used to activate your M-Banking application.
4. An SMS containing a download link will be sent to
your mobile phone.
5. Access this link to download and install the
M-Banking application.
6. Please enter your Activation Code and select a new
M-Banking password (7-6 digits).
Alternatively, you may call 300 ANZ MOBI (300 69
664) to request that the download link be sent to your
mobile phone.
What happens if I am overseas and want to use TXT
Banking?
If you have access to the overseas mobile phone network,
you will be able to use TXT Banking from overseas by sending
an SMS to our international number: +64 ANZ MOBI
(+64 69 664). International roaming charges for SMS
will apply depending on your individual mobile phone plan.
Please note:
> To provide the most up-to-date information, system
maintenance is required occasionally which may result
in some services being temporarily unavailable.
For a full list of FAQs, please refer to
www.anz.com/MobilePhoneBanking.


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Your ANZ Mobile Phone Banking User Guide
Signing up for ANZ Mobile Phone Banking is fast and easy.
Either:
› visit www.anz.com/MobilePhoneBanking or
› call us on 300 ANZ MOBI (300 69 664)
After obtaining some information from you, we will advise
you of your 7-digit Activation Code.
Once you’ve registered, we’ll send you a ‘welcome’ SMS
– and you’re almost there!
Getting started with M-Banking
Your welcome SMS will contain a link to download
M-Banking.
Once you’ve followed the instructions to download
M-Banking to your phone, all you need to do is:
› enter your Activation Code
› choose a new M-Banking password (7-6 digits).
As soon as you’ve confirmed your M-Banking password,
you’re ready to start using M-Banking.
Once downloaded, the M-Banking application will be
stored on your phone for future use. If you’re not sure
exactly where to locate it, visit
www.anz.com/MobilePhoneBanking for details.
Getting started with TXT Banking
To activate TXT Banking, simply SMS your Activation Code to
04 ANZ MOBI (04 69 664) within five days of receiving it.
As soon as you receive a confirmation SMS, you’re ready to
start using TXT Banking.
Note: If you’ve registered for both M-Banking and TXT
Banking, you only need to activate your M-Banking service
(TXT Banking will activate automatically).
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How to use ANZ Mobile Phone Banking
1. Open the M-Banking application.
If you cannot locate it on your mobile phone, please visit www.anz.com/MobilePhoneBanking for details on
where it is located.
2. Enter your M-Banking password and press “OK”.
You are now at the main menu.
The Main Menu
1. Scroll up and down with the arrow keys or select the option
number using the keypad.
2. Use the “OK” button to activate the desired option then follow
the prompts.
3. To end your M-Banking session, return to the main menu and
select ‘Exit’.
Checking your account balances
1. Select Balances from the main menu. You’ll be able to see all your M-Banking linked account balances at a glance.
› Negative balances are followed by a minus sign (eg. $40.0–)
› Available on transaction accounts, savings accounts, loan accounts, credit and debit card accounts as well as
term deposits.
Viewing a mini statement
1. Select Mini statement from the main menu and choose from the options that follow.
2. To find out more about any transaction (eg. the kind of transaction and where it took place), highlight the
transaction and choose ‘OK’.
› Your statement will show the last ten transactions plus your current balance.
› Money into your account will be displayed as $300.00
› Money out of your account will be displayed as $300.00-
› Available on transaction accounts, savings accounts, loan accounts, credit and debit card accounts.
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Transferring money between accounts
1. Select Transfers from the main menu and choose from the options that follow.
› Available from transaction accounts, savings, credit and debit card accounts
› The maximum you can transfer is $999,999.99 per transaction
› There is no daily limit - provided you have sufficient available funds, you can make as many transfers as you like
› Transfers between accounts after 0pm Melbourne time will be processed the following ANZ business day.
Using Pay Anyone
1. To register for the Pay Anyone option, please visit www.anz.com/MobilePhoneBanking or contact us on
300 ANZ MOBI (300 69 664).
2. Select Pay Anyone from the main menu and choose from the options that follow.
› Available from transaction accounts, savings, credit and debit card accounts
› The most you can pay using Pay Anyone is $,000.00 a day.
› You can save account details to your Favourite list for future payments.
› Pay Anyone payments after 6pm (Melbourne time) will be processed the following ANZ business day.
Setting or changing an Account Alert
ANZ ACCOUNT ALERT
Everyday @ Apr 8:3
1. Select Alerts from the main menu and choose from the options that follow.
Bal: $,345.67
› Available for transaction accounts, savings accounts, home loans, credit and debit
3May ATM $00.00–
card accounts.
May DEP $,34.56+
30Apr INT $6.45–
› You can set up an Account Alert for any hour of the day.
6Apr FEE $.45–
Apr EFT $34.56–
› Your Account Alert SMS will show the balance of your account plus your most recent
3Apr AP $6.45–
transactions.
Apr DD $34.45–
Example of an SMS Account Alert
Other options
1. Select Other from the main menu and choose from the options that follow to:
› Determine your M-Banking linked account numbers
› Manage your Favourite list
› Change your M-Banking password
› Check which version of M-Banking is on your phone.
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TXT Banking
Checking your account balances
1. SMS ‘BAL’ to 04 ANZ MOBI (04 69 664)
> TXT Account balances are available via TXT Banking on transaction accounts, savings
accounts, loan accounts, credit and debit card accounts as well as term deposits.
> Depending on the type of account, you will be able to check:
> Current Balance – All transactions made in and out of your account, right up to the
time you request your account balance;

> Ledger Balance –The balance of your account at the start of the day (Melbourne
time); or
> Available Funds – The amount listed is the total amount of funds currently available
for withdrawal from your account. The Available Funds balance may be different
to your Current Balance as a result of uncleared funds, withdraw/credit/overdraft
Example of an
limits etc.
Account Balance.
Account Type
Balance
Everyday and Savings Account (including V PLUS)
Current Balance
Credit Card
Current Balance
ANZ Everyday Visa Debit
Available Funds
Passbook
Current Balance
Terms Deposits
Ledger Balance
Home Loans
Ledger Balance
Personal Loans
Ledger Balance
> Negative balances are followed by a minus sign (eg. $40.0–).
Viewing a mini statement
1. For your first linked account – SMS ‘STMT’ or ‘STMT’ to 04 ANZ MOBI (04 69 664)
2. For your second linked account – SMS ‘STMT’ to 04 ANZ MOBI (04 69 664)
3. For your third linked account – SMS ‘STMT3’ to 04 ANZ MOBI (04 69 664)
> Available on transaction accounts, savings accounts, loan accounts, credit cards and term
deposits
> Your statement will show the last five to seven transactions (depending on how much space
is available) plus your current balance
> Money into your account is followed by a plus sign (eg. $00.00+)
> Money out of your account is followed by a minus sign (eg. $6.45–).
Example of an
Account Balance.
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ANZ Mobile Phone Banking Terms and Conditions
Amendments to the Electronic Banking Conditions of Use
7. The following words are inserted after the words “Pay
for ANZ Mobile Phone Banking
Anyone” in the first line of the second paragraph under
Please find below the amendments to the Electronic
the heading “Access to and use of Pay Anyone and
Banking Conditions of Use for ANZ Mobile Phone Banking.
International Services”, “(a) Obtaining Pay Anyone”
The Electronic Banking Conditions of Use are contained in
and after the word “limit” the first time it appears in
the Conditions of Use or Product Disclosure Statement for
the second paragraph under the heading “Access to
the product for which you wish to use ANZ Mobile Phone
and use of Pay Anyone and International Services”,
Banking and may be found at www.anz.com/aus/ratefee/.
“(a) Obtaining Pay Anyone”:
You accept these amendments to the Electronic Banking


“for Internet Banking”
Conditions of Use upon your activation of ANZ Mobile
8. The following words are inserted after the word “limit”
Phone Banking.
in the fourth paragraph under the heading “Access to
. In the section headed “Definitions” after the definition
and use of Pay Anyone and International Services”,
for “CRN” the following definition is inserted:
“(a) Obtaining Pay Anyone”:



“‘ANZ Mobile Phone Banking’ means M-Banking


“for Internet Banking”
and TXT Banking.”
9. The following sentence is inserted at the end of the
. In the section headed “Definitions” the fol owing
first paragraph under the heading “Access to and use
definition is inserted as the first item in the definitions list:
of Pay Anyone and International Services”, “(b)



“‘Activation Code” means the 7-digit temporary
Obtaining International Services”:
activation number issued to activate the M-



“International Services are not available through
Banking or TXT Banking service.”
ANZ Mobile Phone Banking.”
3. The definition of “Telecode” is amended to include the
0. The heading “Access levels for ANZ Phone Banking
following words after the words “ANZ Phone Banking”:
and ANZ Internet Banking” is amended to read “Access



“and your ANZ Mobile Phone Banking Activation Code”
levels for ANZ Phone Banking, ANZ Internet Banking
and ANZ Mobile Phone Banking”.
4. The following paragraph is inserted after the paragraph
headed “How you can use ANZ Internet Banking”:
. The following words are inserted at the end of the
second last paragraph under the heading “Access

“Fees and Charges for ANZ Mobile Phone Banking”
levels for ANZ Phone Banking, ANZ Internet Banking


Fees and charges may apply to ANZ Mobile Phone
and ANZ Mobile Phone Banking”, “Access Levels”:
Banking and customers will be advised of these at the



“and ANZ Mobile Phone Banking to change their
time of applying for the service or prior to the fee being
own password.”
charged.
. The following words are inserted after the fifth


You may also incur charges from your mobile
paragraph under the heading “Processing instructions
phone operator as a result of using ANZ Mobile
– general”:
Phone Banking. Any such charges are solely your
responsibility.”



“ANZ may notify you of electronic transactions
(instructions for which are received through ANZ
5. The following words are inserted after the words “When
Mobile Phone Banking) it is unable to process.”
applying for Pay Anyone” in the first sentence under
the heading “Access to and use of Pay Anyone and
3. The following words are inserted as the fourth bullet
International Services”, “(a) Obtaining Pay Anyone”:
point at the end of the sixth paragraph under the
heading “Processing instructions – general”:


“for Internet Banking”



“ • future dated transfers are not available through
6. The following sentence is inserted at the end of the first
ANZ Mobile Phone Banking.”
paragraph under the heading “Access to and use of Pay
Anyone and International Services”, “(a) Obtaining Pay
4. The heading “Processing Instructions - ANZ Phone
Anyone”:
Banking and ANZ Internet Banking” is amended to read
“Processing Instructions – ANZ Phone Banking, ANZ


“When applying for Pay Anyone for ANZ Mobile Phone
Internet Banking and ANZ Mobile Phone Banking”.
Banking your daily limit will be as advised to you by
ANZ and may not be changed by you.”
5. The words “ANZ Phone Banking or ANZ Internet
Banking” in the first and second paragraphs under
the heading “Processing Instructions – ANZ Phone
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Banking, ANZ Internet Banking and ANZ Mobile Phone
8. The following words are inserted as the sixth bullet point
Banking” are amended to read “ANZ Phone Banking,
under the heading “When the account holder is liable”:
ANZ Internet Banking and ANZ Mobile Phone Banking”.



“ • by failing to secure your mobile phone or
6. The following paragraph is inserted before the heading
leaving your mobile phone logged into ANZ Mobile
“Card Validity”:
Phone Banking”.


“Short Message Service (SMS)
9. The following words are inserted after the word



You agree that, by registering for ANZ Mobile Phone
“equipment” in the second paragraph under the
Banking, ANZ may send SMS’ to your nominated
heading “Equipment Malfunction”:
mobile phone. ANZ is not liable for any loss or



“, including your mobile phone with respect to ANZ
damage you suffer as a result of any person other
Mobile Phone Banking”
than you accessing those SMS.”
0. The following words are inserted after the words “PC
7. The following words are inserted after the word
anti-virus and” or “personal computer anti-virus and”
“inactive” in the sixth bullet point under the heading
in the third paragraph under the heading “Equipment
“Withdrawal of Electronic Access”:
Malfunction”:



“or the account you have nominated for ANZ


“PC and mobile phone”
Mobile Phone Banking fees and charges to be
. The following words are inserted after the words “ANZ
charged to is closed”
Internet Banking” in the third paragraph under the
heading “Equipment Malfunction”:


“or ANZ Mobile Phone Banking”
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