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- Personal Find out more about our personal accounts & banking services
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Accounts
Everyday & savings accounts, term deposits & moving to NZ
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Credit & prepaid cards
Apply for, manage or compare our range of cards
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Home loans & mortgages
View, compare or manage a home loan designed for you
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Personal loans
Our range of personal,
student, graduate loans -
Insurance
Options to protect both
you & your family -
Investments & advice
Investing, retirement & financial planning advice
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Private Bank
Solutions to create, manage
& protect your wealth -
Travel &
foreign exchange Foreign currency accounts, travel money & payments -
Ways to bank
Choose to bank with us by internet, mobile or branch
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- Business Visit our Business homepage
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Get the right bank account
for your business -
Borrowing
A flexible range of finance options for your business
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Credit cards
Credit card options to
suit your business -
Merchant services
EFTPOS & card payment
solutions -
Investments & advice
Term deposits & access
to a financial adviser -
International trade
Services to help you manage offshore trade commitments
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Tools, forms & guides
Resources to help you plan
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Asian business banking
Mandarin & Cantonese speaking business managers
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Ways to bank
Access your banking how
& when it suits you
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- Commercial & Institutional Products & services for businesses turning over more than $2M
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Banking for your business
Get help with your banking
& financing needs -
Transaction services
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Finance
Flexible property & asset
finance solutions -
Global markets
Foreign exchange, interest rates & risk management
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Trade & supply chain
Solutions to help importers
& exporters -
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markets research Latest news & commentary from our economics team -
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Find a relationship manager
or an online service
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About us Press enter to show hide sub-menu options.
- About us Find out how we do things at ANZ
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Debt investor information
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Canterbury earthquake information
CHCH branches and offices closed following quake
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Terms and Conditions
To find the terms and conditions applicable to your accounts with us, browse or print the terms and conditions listed below.
Personal banking
| General Terms and Conditions and Service Charges |
|---|
|
Effective 16 March 2012
Effective 1 May 2012
|
| Investments |
|---|
|
Effective June 2009
Effective 1 July 2010
|
| Loans |
|---|
|
Effective 27 June 2011
|
| Credit cards |
|---|
|
Effective February 2012
Effective October 2010
Effective December 2010
Effective February 2012
Effective July 2011
|
| Prepaid cards |
|---|
|
Effective February 2011
Effective May 2011
Effective May 2011
|
| Electronic banking |
|---|
| Foreign currency accounts |
|---|
|
Effective 1 August 2011
Effective July 2010
|
Non-Personal banking
| Business banking |
|---|
|
Effective 1 July 2011
Effective February 2010
Effective March 2010
|
Changes to the ANZ Internet Banking Terms and Conditions (PDF 44kB).
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