Fees and Charges A close look at our products and services
Everyday accounts
CONTENTS
Saving money on your banking ........................................ 1
ANZ FREEDOM
Everyday accounts........................................................... 1
Description
Packages........................................................................ 3
Savings accounts............................................................. 5
An everyday account that gives you the freedom to bank the
way you want to.
Cards ........................................................................... 5
Key benefits
Foreign Currency Account................................................. 8
Agri Banking..................................................................11
• Your monthly account fee will be waived each month that
you deposit at least $2,500 into the account.*
• Flexibility of an overdraft facility (on application).
• Easy access to your account 24 hours, 365 days.
• No annual card fee for an ANZ Visa Debit card when linked
to an ANZ Freedom account.
Must be 16 years or over to apply for an ANZ Visa Debit card.
ANZ Private...................................................................11
Fees
Non-Standard Fees.........................................................11
Monthly account fee....................................................... $5
Your monthly account fee is waived each month
that you deposit at least $2,500 into the account.*
Foreign Currency Term Deposit.......................................... 9
Lending fees................................................................... 9
Business Banking............................................................ 9
To enquire about any of these Fees and Charges, or for more
information on any of our products or services, please call
0800 269 296, visit your local branch or anz.co.nz.
Automated transaction fee ............................................. nil
Manual transaction fee ............................................................ nil
Monthly Overdraft Management fee............ 0.12% (min $5)
Calculated as a percentage of the agreed overdraft limit or
overdrawn balance, whichever is the greater.
Saving money on your banking
Our staff will be happy to show you how you could make
changes to take advantage of the following lower cost ways
of banking:
How to get the best from your account
• Deposit $2,500 or more into your account each month.
• Ensure you only pay for the features you need by making
sure you have the right account
• If you’re paying by EFTPOS, withdraw any cash you need
at the same time
• By doing more of your banking with ANZ, you may qualify
for additional benefits, including special fee waivers
• Use ANZ Internet Banking, Phone Banking, or ATMs to
keep track of your balances
• Use ANZ Mobile Phone Banking to check account balances
and receive mini statements while you’re on the go
• If you are at school or in tertiary education, starting your
first job or graduating, ANZ has special packages that can
save you bank fees
• If you are receiving National Superannuation you’re
eligible for the ANZ Freedom Years Package.
For more information on Non-Standard Fees which apply
to this account, refer to pages 11-13 of this brochure.
* D
eposits exclude transfers made between any of your
ANZ accounts.
ANZ GO
Description
An everyday account that enables you to avoid monthly
account and transaction fees when you do your
banking electronically.
Key benefits
Fees within this brochure are defined as follows:
•
•
•
•
• Automated transactions include EFTPOS transactions,
ATM transactions (excluding ATM deposits), direct debits
and direct credits, and all electronic transactions made
through ANZ Phone Banking, Mobile Phone Banking and
Internet Banking*
• Manual transactions include ATM deposits, cheques and
transactions handled by our staff at a branch or by phone
• Service and access fees (Non-Standard Fees) may apply
in addition to any fees stated. For more information on
Non-Standard Fees that apply, refer to pages 11-13 of
this brochure.
* Registration is required for ANZ Phone Banking, Mobile
Phone Banking and Internet Banking. Telephone, mobile
operator and internet service provider charges may apply
to these services.
No monthly account or automated transaction fees.
Flexibility of an overdraft (on application).
The choice of an ANZ Visa Debit card.
Must be 16 years or over to apply for an ANZ Visa Debit card.
Easy access to your account 24 hours, 365 days.
Fees
Monthly account fee....................................................... nil
Automated transaction fee.............................................. nil
Manual transaction fee................................................... $3
Monthly Overdraft Management fee............ 0.12% (min $5)
Calculated as a percentage of the agreed overdraft limit or
overdrawn balance, whichever is the greater.
1
Fees and Charges A close look at our products and services
ANZ FLEXIBLE HOME LOAN
How to get the best from your account
Description
• Use our electronic banking channels such as ANZ Internet
Banking, Mobile Phone Banking and Phone Banking for
convenient access 24 hours, 365 days.
Of all our home loan options, the ANZ Flexible Home Loan
gives you the most flexibility over how you use your money.
• Minimise manual transactions such as cheques and branch
deposits to help avoid fees.
Key benefits
• Access to additional funds within the set limit at any time.
• Ability to run your income through the account, minimising
daily interest.
For more information on Non-Standard Fees which apply to
this account, refer to pages 11-13 of this brochure.
Fees
ANZ SELECT
Application fee (owner occupied) ........................up to $500
Application fee (all other lending)................ up to 1% of the
loan amount
Monthly account fee................................................ $12.50
All transaction fees........................................................ nil
Our lending criteria apply. ANZ Flexible Home Loans cannot
be used for any business purpose.
Description
An interest-bearing everyday account for customers who keep
an average monthly balance of $5,000 or more.
Key benefits
•
•
•
•
Easy access to your account 24 hours, 365 days.
Earn tiered interest on credit balances $5,000 and over.
The choice of an ANZ Visa Debit card.
Must be 16 years or over to apply for an ANZ Visa Debit card.
Your monthly account fee will be waived if you keep an
average monthly balance of $5,000 or more.
How to get the best from your account
• Close all other everyday accounts and use your ANZ Flexible
Home Loan as the central account.
• Run all personal income through the account, including salary,
any bonuses or lump sum payments.
Fees
Monthly account fee (waived if average
monthly balance is $5,000 or more)............................... $15
Automated transaction fee.............................................. nil
Manual transaction fee................................................... nil
Monthly Overdraft Management fee ............ 0.12% (min $5)
Calculated as a percentage of the agreed overdraft limit
or overdrawn balance, whichever is the greater.
For more information on Lending Fees and Non-Standard
Fees which apply to this account, refer to pages 8 and 12-13
respectively, of this brochure.
How to get the best from your account
• Ensure an average monthly balance of $5,000 or more is
maintained in your account each month to help avoid fees.
For more information on Non-Standard Fees which apply to
this account, refer to pages 11-13 of this brochure.
ANZ SCHOOL PLUS
Description
A first bank account for school students and under 18s, with
no monthly account or transaction fees.
Key benefits
• An everyday and savings account all in one.
• No monthly account or transaction fees.
• No fees to set up and make Automatic Payments or
Bill Payments.
• The choice of an ANZ Visa Debit card.
Must be 16 years or over to apply for an ANZ Visa Debit card.
• Interest paid on all balances.
Fees
Monthly account fee....................................................... nil
Automated transaction fee.............................................. nil
Manual transaction fee................................................... nil
For more information on Non-Standard Fees which apply to
this account, refer to pages 11-13 of this brochure.
2
Fees and Charges A close look at our products and services
Packages
Freedom account fees
Monthly account fee....................................................... nil
Automated transaction fees............................................ nil
Manual transaction fees.................................................. nil
ANZ TERTIARY PLUS PACKAGE
Description
A banking package designed specifically for students
studying at a recognised New Zealand tertiary institution
or NZQA accredited course with a minimum duration of at
least one year.
For more information on Non-Standard Fees which apply,
refer to pages 11-13 of this brochure.
* ANZ lending criteria, terms, conditions and fees apply
to all ANZ credit cards.
Key benefits
• An ANZ Freedom account with no monthly account and
transaction fees.
• Interest-free overdraft on application (up to $1,000 for
first year of study and up to $2,000 for remaining years
on package).
• An ANZ Visa Debit card with no annual card fee when
linked to an ANZ Freedom account.
Must be 16 years or over to apply for an ANZ Visa Debit card.
• Your choice of an ANZ MasterCard or ANZ Visa ($500
credit limit applies).*
• You can apply for a personal loan with no application fee.*
• No fees to set up and make Automatic Payments or Bill
Payments via ANZ Internet Banking.
ANZ GRADUATE PLUS PACKAGE
Description
A banking package for customers who have graduated from
a recognised tertiary institution within the last 12 months.
Key benefits
• An ANZ Freedom account with no monthly account
or transaction fees.
• No interest on the first $2,000 of your overdraft for up
to one year (on application).
• An ANZ Visa Debit card with no annual card fee when
linked to an ANZ Freedom account.
Must be 16 years or over to apply for an ANZ Visa Debit card.
• Your choice of an ANZ MasterCard or ANZ Visa on
application with no annual account fee for the first year.*
• You can apply for a personal loan with no application fee.*
Freedom account fees
Monthly account fee....................................................... nil
Automated transaction fees............................................ nil
Manual transaction fees.................................................. nil
Monthly Overdraft Management fee................................. $3
Freedom account fees
No monthly account or transaction fees. After one year you
will be transferred to the everyday account which best suits
your banking needs.
For more information on Non-Standard Fees which apply,
refer to pages 11-13 of this brochure.
* A
NZ lending criteria, terms, conditions and fees
apply to all ANZ credit cards, ANZ personal loans
and overdrafts.
Monthly Overdraft Management fee............ 0.12% (min $5)
Calculated as a percentage of the agreed overdraft
limit or overdrawn balance, whichever is greater.
For more information on Non-Standard Fees which apply,
refer to pages 11-13 of this brochure.
ANZ INTERNATIONAL STUDENT PACKAGE
Description
* This benefit can be taken up at anytime in the first year
of your package. ANZ lending criteria, terms, conditions
and fees apply to all ANZ credit cards, ANZ personal loans
and overdrafts.
A special banking package for international students enrolled
for at least six months of full-time study at a language school
or tertiary institution approved by the NZQA.
Key benefits
ANZ WORKSTART PLUS PACKAGE
• An ANZ Freedom account with no monthly account or
transaction fees.
• An ANZ Visa Debit card with no annual card fee when
linked to an ANZ Freedom account.
Must be 16 years or over to apply for an ANZ Visa Debit card.
• Your choice of an ANZ MasterCard or ANZ Visa ($500
credit limit applies).*
– Must be 18 years old or over.
– Must hold a minimum six month study visa.
– Must be enrolled for at least six months of
full-time study.
–Annual credit card account fee applies.
• No fees to set up and make Automatic Payments
or Bill Payments via ANZ Internet Banking.
Description
A banking package with special benefits for customers
who have left school and are starting out in the workforce.
Key benefits
• An ANZ Freedom account with no monthly account
or transaction fees.
• An ANZ Visa Debit card with no annual card fee when
linked to an ANZ Freedom account.
Must be 16 years or over to apply for an ANZ Visa Debit card.
• Your choice of an ANZ MasterCard or ANZ Visa on
application with no annual account fee for a year.*
3
Fees and Charges A close look at our products and services
Freedom account fees
• An ANZ Overdraft:**
No monthly account or transaction fees on the ANZ Freedom
account. After one year you will be transferred to the
everyday account which best suits your banking needs.
–Pre-approved overdraft limit of $500 when gross salary
is between $30,000 and $59,999.
–Pre-approved overdraft limit of $1000 when gross
salary is above $60,000.
Monthly Overdraft Management fee............ 0.12% (min $5)
Calculated as a percentage of the agreed overdraft limit or
overdrawn balance, whichever is greater.
• UDC vehicle loan with a discount of 1.00% p.a. off the
standard interest rate (minimum loan $10,000).
For more information on Non-Standard Fees which apply,
refer to pages 11-13 of this brochure.
• An ANZ International Money Transfer issue fee discounted
to $18 per transaction in branch (saving you $10 per
transaction).^
* This benefit can be taken up at anytime in the first year
of your package. ANZ lending criteria, terms, conditions
and fees apply to all ANZ credit cards.
• A 15% insurance premium discount when two or more
ANZ Asset Protector and/or ANZ Base Protect policies
are taken out including home, contents, motor vehicle
& boat cover.^^
ANZ OE PACKAGE
Description
For more information on Non-Standard Fees which apply to
this account, refer to pages 11-13 of this brochure.
Once you make the decision to go on your OE, this package
has special benefits to help you plan and save for your OE,
and manage your money while you’re away.
* Customers must meet the eligibility criteria under the
current migrant credit policy.
Key benefits
** Salary must be credited to an ANZ everyday account
• An ANZ Go account with no monthly account fee to
manage your money in New Zealand while you’re away.
• Option to open an ANZ Foreign Currency Account.
• Get an ANZ Travel Card and preload it with one of
four currencies; Australian dollars, US dollars, Euro
or British Pounds.
• Helpful information and tips on banking and travel to
ensure your OE is a success.
^ Overseas bank charges may apply.
^^Asset Protector and Base Protect cover is subject to
underwriting criteria and is underwritten by Vero Insurance
Limited. Full terms, conditions and exclusions apply.
All other fees, terms and conditions for the above products
& services apply. Package eligibility, account opening and
lending criteria apply. Fees are subject to change.
Details are available from your nearest branch or contact
us on 0800 269 200.
ANZ FREEDOM YEARS PACKAGE
Refer to page 9 for the ANZ Foreign Currency Account.
Description
For more information on Non-Standard Fees which apply,
refer to pages 11-13 of this brochure.
A banking package with special benefits for customers who
have National Superannuation (or equivalent) credited into
their ANZ Freedom account.
ANZ MIGRANT BANKING PACKAGE
Key benefits
Description
• An ANZ Freedom account with no monthly account or
transaction fees.
• An ANZ Visa Debit card with no annual card fee (when
linked to an ANZ Freedom account).
• Your choice of an ANZ MasterCard or ANZ Visa with
no annual account fee or a Gold credit card at half the
annual account fee.*
If you have a Work or Resident Visa and have been in
New Zealand for less than 24 months, you can apply for the
unique benefits of our ANZ Migrant Banking Package to help
you get set up and settled in.
Note: Work Visa of at least two years with minimum one year
validity is required to be eligible.
Freedom account fees
Key benefits
No monthly account or transaction fees on the ANZ
Freedom account.
With this package, you can access:
Monthly Overdraft Management fee............ 0.12% (min $5)
Calculated as a percentage of the agreed overdraft limit
or the overdrawn balance, whichever is greater.
• An ANZ Freedom or ANZ Go account.
• An ANZ Online account.
• An annual card fee waiver (including additional card fee)
for one year on any one ANZ credit card product.*
For more information on Non-Standard Fees which apply,
refer to pages 11-13 of this brochure.
* A
NZ lending criteria, terms, conditions and fees apply
to all ANZ credit cards.
4
Fees and Charges A close look at our products and services
Savings accounts
ANZ READY SAVER
Description
ANZ SERIOUS SAVER
A simple account that gives you ready access to your money.
Description
Key benefits
A savings account that rewards your commitment to saving.
• A higher rate of interest as your savings grow.
• The ability to set aside money for upcoming expenses,
and still earn interest.
• The flexibility to access your money anytime you need.
Key benefits
• Earn interest on every dollar.
• Premium interest each month you make no withdrawals
and deposit $20 or more (not including credit interest)
on or before the last business day of the month.
Interest rate tiers
$0 – $4,999
$5,000 +
Fees
Monthly account fee....................................................... nil
Automated and manual deposit fee.................................. nil
Automated and manual withdrawal fee............................. $5
You won’t pay for your first withdrawal, however to earn
Premium interest, you need to make no withdrawals.
Fees
Monthly account fee ...................................................... $2
Waived if average daily balance for the month is $500 or more.
Automated and manual deposit fee.................................. nil
Automated and manual withdrawal fee............................. $1
How to get the best from your account
How to get the best from your account
• Set up an automatic payment to deposit at least $20 each
month and make no withdrawals so you earn Premium interest
each month.
• Keep your average daily balance for the month above $500 and
the monthly account fee will be waived.
• Have a balance of $5,000 or more to earn a higher rate
of interest.
For more information on Non-Standard Fees which apply to
this account, refer to pages 11-13 of this brochure.
For more information on Non-Standard Fees which apply to
this account, refer to pages 11-13 of this brochure.
ANZ ONLINE
Description
Cards
Access your money anytime and you’ll still earn the full rate
of interest.
ANZ VISA DEBIT
Key benefits
Description
• You earn a competitive interest rate on every dollar
in your account.
• Access your money as often as you like through ANZ
Internet Banking, Phone Banking and branches, and
you’ll still earn the full rate of interest.
• No monthly account fee or automated transaction fees.
A Visa Debit card is like an EFTPOS card, only better as you
can use it anywhere Visa is accepted using funds from your
everyday or savings account.
Key benefits
• You can make purchases online, over the phone,
overseas and in stores using funds from your everyday
or savings accounts.
• Has a chip to keep your card details more secure.
• Access to Visa Entertainment.
Fees
Monthly account fee....................................................... nil
Automated and manual deposit fee.................................. nil
Automated withdrawal fee ............................................. nil
Manual withdrawal fee.................................................... $3
Fees
Annual card fee.....................................................$10 p.a.
No charge when linked to an ANZ Freedom account.
How to get the best from your account
Replacement card fee .................................................. $15
• Use ANZ Internet Banking and Phone Banking if you need to
withdraw money from your account to avoid fees.
For more information on Non-Standard Fees which apply to
this account, refer to pages 11-13 of this brochure.
5
Fees and Charges A close look at our products and services
ANZ MASTERCARD/ANZ VISA
ANZ CASHBACK
Description
Description
The card for everyday use.
The card that rewards you with cash back.
Key benefits
Key benefits
• Low annual account fee.
• Up to 55 interest-free days on purchases.
• CashBack Rewards gives you up to 1% cash back on
eligible purchases*, up to a maximum of $30,000 spend
per CashBack year.
• Up to 55 interest-free days on purchases.
• Visa or MasterCard option.
Fees
Primary card fee....................................................$30 p.a.
Joint* or Additional card fee ...................................$10 p.a.
Fees
Primary fee...........................................................$60 p.a.
Joint** or Additional card fee
$10 p.a.
ANZ GOLD MASTERCARD/ANZ VISA GOLD
Description
How to get the best from your account
The Gold card that is a great travel partner.
• Spend at least $5,000 on purchases (up to $30,000) in
a 12 month period to qualify for CashBack Rewards. The
CashBack year runs from the date of your first purchase for
a 12 month period.
Key benefits
• Up to 55 interest-free days on purchases.
• Overseas Travel Insurance when you pay for at least
half of your pre-paid travel expenses with your card.**
Terms, conditions and exclusions apply.
• Avoid transaction fees (except for cash advances – see page 9
for details) on your everyday account by using your credit card
to pay for groceries, bills etc.
Fees
* Eligible purchases do not include cash advances, balance
transfers, the purchase of cash substitutes (such as
travellers cheques), gambling transactions or business
related expenditure.
Primary card fee....................................................$75 p.a.
Joint* or Additional card fee ...................................$25 p.a.
How to get the best from your account
** Existing customers only.
• Avoid transaction fees (except for cash advances – see page 9
for details) on your everyday account by using your credit card
to pay for groceries, bills etc.
ANZ CASHBACK PLATINUM
Description
* Existing customers only.
The Platinum card that rewards you with cash back.
** A policy document is available through any ANZ
branch or by calling AIG on 0800 499 666. Overseas
Travel Insurance is issued/insured by AIG Insurance
New Zealand Limited.
Key benefits
• CashBack Rewards gives you up to 1% cash back on
eligible purchases* per CashBack year.
• Up to 55 interest-free days on purchases.
• Overseas Travel Insurance when you pay for at least half
of your pre-paid travel expenses with your card.**
Terms, conditions and exclusions apply.
• Visa or MasterCard option.
ANZ LOW RATE MASTERCARD
Description
The card that gives you a lower interest rate on purchases.
Fees
Key benefit
Primary fee ........................................................$125 p.a.
Joint^ or Additional card fee....................................$30 p.a.
• Low interest rate.
Fees
How to get the best from your account
Primary fee.............................................$29 per half year
Joint* or Additional card fee........................$9 per half year
• Spend at least $5,000 on purchases in a 12 month period to
qualify for CashBack Rewards. The CashBack year runs from the
date of your first purchase for a 12 month period.
How to get the best from your account
• Avoid transaction fees (except for cash advances – see page 9
for details) on your everyday account by using your credit card
to pay for groceries, bills etc.
• With a low interest rate you could save on your interest
payments.
* Existing customers only.
* Eligible purchases do not include cash advances, balance
transfers, the purchase of cash substitutes (such as
travellers cheques), gambling transactions or business
related expenditure.
** A policy document is available through any ANZ
branch or by calling AIG on 0800 499 666. Overseas
Travel Insurance is issued/insured by AIG Insurance
New Zealand Limited.
6
^
Existing customers only.
Fees and Charges A close look at our products and services
ANZ AIRPOINTS VISA
How to get the best from your account
Description
• Remember to use your ANZ Airpoints Visa Platinum for everyday
purchases to earn as many Airpoints Dollars™ as possible.
The card that helps you earn Airpoints Dollars™ faster.
Key benefits
* Eligible purchases do not include cash advances, balance
transfers, the purchase of cash substitutes (such as
travellers cheques), gambling transactions or business
related expenditure.
• Earn 1 Airpoints Dollar for every $150 you spend on
eligible purchases.*
• Your Airpoints Dollars don’t expire while you’re an
account holder.
• No Airpoints joining fee (save $50).
• No annual Airpoints membership fee (save $30).
• Up to 50 Airpoints Dollars Advance (if you haven’t
earned quite enough Airpoints Dollars to redeem,
you can get an Airpoints Advance).**
• Up to 44 interest-free days on purchases.
** Air New Zealand Airpoints™ programme terms and
conditions apply. Visit airnz.co.nz for more details.
Airpoints and Airpoints Dollars are trademarks owned
by Air New Zealand Limited.
^
Fees
A policy document is available through any ANZ branch
or by calling AIG on 0800 499 666. Overseas Travel
Insurance and Platinum Card Transport Accident Insurance
are issued/insured by AIG Insurance New Zealand Limited.
^^
Primary card fee.................................$32.50 per half year
Joint^ or Additional card fee........................$5 per half year
Existing customers only.
QANTAS ANZ VISA
How to get the best from your account
Description
• Remember to use your ANZ Airpoints Visa for everyday
purchases to earn as many Airpoints Dollars™ as possible.
The card that helps you earn Qantas Frequent Flyer
points faster.
* Eligible purchases do not include cash advances, balance
transfers, the purchase of cash substitutes (such as
travellers cheques), gambling transactions or business
related expenditure.
Key benefits
• Up to 44 interest-free days on purchases.
• Earn 1 Qantas Frequent Flyer point for every $1 you
spend on eligible purchases* up to $10,000 per annum
in a Points Year.
• After that earn 1 Qantas Frequent Flyer point for every
$2 spent on eligible purchases in a Points Year.
** Air New Zealand Airpoints™ programme terms and
conditions apply. Visit airnz.co.nz for more details.
Airpoints and Airpoints Dollars are trademarks owned
by Air New Zealand Limited.
^
Fees
Existing customers only.
Primary card fee....................................................$75 p.a.
Joint** or Additional card fee..................................$40 p.a.
ANZ AIRPOINTS VISA PLATINUM
Description
How to get the best from your account
The Platinum card that helps you earn Airpoints Dollars™ faster.
• A Points Year runs from 1 April to 31 March.
• Use your card for your everyday purchases to earn rewards faster.
This also helps you to avoid transaction fees on your everyday
account (except for cash advances – see page 9 for details).
Key benefits
The benefits of the ANZ Airpoints Visa, with some
exclusive extras:
* Eligible purchases do not include cash advances, balance
transfers, the purchase of cash substitutes (such as
travellers cheques), gambling transactions or business
related expenditure.
• You’ll earn 1 Airpoints Dollar for every $90 you spend on
eligible purchases*, plus 1 Status Point for every $250 you
spend on eligible purchases.*
• No Koru joining fee (save $255) and a discounted annual
Koru membership fee of $361 (usual price is $506).**
• You can get an Airpoints Advance of up to 200
Airpoints Dollars.**
• Overseas Travel Insurance when you pay for at least
half of your pre-paid travel expenses with your card.^
Terms, conditions and exclusions apply
• Visa Platinum Privileges and Concierge Service.
• Commission-free foreign currency from any ANZ branch
in New Zealand.
** Existing customers only.
Points accrue in accordance with the Qantas ANZ Visa
Reward Terms and Conditions. The Account Holder must be
a member of the Qantas Frequent Flyer program to earn
points and notify ANZ of their Qantas Frequent Flyer number.
Membership and points are subject to the Qantas Frequent
Flyer Terms and Conditions. A joining fee may apply.
QANTAS ANZ VISA PLATINUM
Fees
Description
Primary card fee until 30 September 2013...... $62.50 per half year
Primary card fee from 1 October 2013...............$75 per half year
Joint^^ or Additional card fee................$12.50 per half year
The card that you earn Qantas Frequent Flyer points faster.
7
Fees and Charges A close look at our products and services
Key benefits
• A
NZ ATMs, Mobile Phone Banking, Phone Banking
and Internet Banking................................................ $1
• Staff assisted........................................................... $3
• Other bank ATMs...................................................... $3
Applies to each cash advance made at ASB, BNZ, HSBC,
Kiwibank, TSB and Westpac ATMs.
• Up to 44 interest-free days on purchases.
• Earn 1 Qantas Frequent Flyer point for every $1 you spend
on eligible purchases* up to $30,000 p.a. in a Points Year.
• After that earn 1 Qantas Frequent Flyer point for every
$2 spent on eligible purchases in a Points Year.
• Overseas Travel Insurance when you pay for at least
half of your pre-paid travel expenses with your card.**
Terms, conditions and exclusions apply.
• Visa Entertainment Platinum Privileges.
• Visa Platinum Concierge service.
• Commission-free foreign currency from any ANZ branch
in New Zealand.
Cash Advance Fee – overseas
• Overseas ATM and staff assisted................................. $5
Applies to all credit cards.
Banks and other financial institutions who own overseas ATMs
may charge a fee for using them.
CREDIT CARD, VISA DEBIT AND EFTPOS CARD
OPTIONAL SERVICE FEES
Fees
Primary card fee..................................................$150 p.a.
Joint^ or Additional card fee...................................$50 p.a.
Currency conversion charge..........2.5% of the NZD amount
Applies to foreign currency transactions.
How to get the best from your account
• A Points Year runs from 1 April to 31 March.
Includes transactions through the MasterCard, Maestro and
Visa PLUS networks.
• Use your card for your everyday purchases to earn rewards faster.
Visa Debit and EFTPOS card standard fees
This also helps you to avoid transaction fees on your everyday
account (except for cash advances – see page 9 for details).
EFTPOS card fee................................................. no charge
Visa Debit card fee................................................$10 p.a.
* Eligible purchases do not include cash advances, balance
transfers, the purchase of cash substitutes (such as
travellers cheques), gambling transactions or business
related expenditure.
No charge when linked to an ANZ Freedom account.
Visa Debit and EFTPOS card Non-Standard Fees
Replacement card........................................................ $15
Urgent card delivery..........................................courier fee
(domestic and international)
My Photo Card................................................... no charge
** A policy document is available through any ANZ branch
or by calling AIG on 0800 499 666. Overseas Travel
Insurance and Platinum Card Transport Accident Insurance
are issued/insured by AIG Insurance New Zealand Limited.
^
Existing customers only.
Foreign Currency Account
Points accrue in accordance with the Qantas ANZ Visa
Reward Terms and Conditions. The Account Holder must be
a member of the Qantas Frequent Flyer program to earn
points and notify ANZ of their Qantas Frequent Flyer number.
Membership and points are subject to the Qantas Frequent
Flyer Terms and Conditions. A joining fee may apply.
A Foreign Currency Account is a New Zealand based bank
account that is denominated in a currency other than
New Zealand Dollars. Accounts are available in all major
currencies, with minor currencies considered on request.
Monthly account fee
CREDIT CARD NON-STANDARD FEES
An account fee will be charged if you make any withdrawals in
a calendar month. This account fee will be charged at the end
of the month, and in the same currency as your account.
Statement copy............................................... $3 per copy
Dispute handling fee.................................................... $15
Lost/Stolen card replacement........ $10 per card (minimum)
Urgent card delivery .........................................courier fee
(domestic and international)
Replacement card...........................................$10 per card
Late payment fee ....................................................... $15
Applies if the minimum monthly payment is not paid by the
payment due date.
Over limit fee.............................................................. $15
Applies if you are over your credit card limit on your
statement date.
Currency fee amount
USD $4
AUD $4
GBP £3
EUR €3
JPY ¥350
CAD $4
Cash Advance Fee
On credit and debit balances.
All personal credit cards in New Zealand
8
Fees and Charges A close look at our products and services
Foreign Currency Term Deposit
Business Banking
A Foreign Currency Term Deposit is a fixed term investment
designed for those who want certainty of an interest rate
that’s fixed for the duration of the investment term and don’t
require their funds on call.
BUSINESS TRANSACTION ACCOUNTS
Description
A choice of two transaction fee plans gives you control over
the fees you pay.
No fees are charged for Foreign Currency Term Deposits
however an adjustment to returns will apply if early
repayment is required.
Choose from:
For more information visit your nearest branch, or contact
us on 0800 863 863.
Fee
ANZ Business
Current account
PAYG
Lending fees
Home loan fees
For lending where a loan amounts to 80% or more of a
property’s value
•
Loan to value ratio......... % of the loan amount charged
80.01% – 85.00%.............................................. 0.25%
85.01% – 90.00%.............................................. 0.75%
Over 90.01%..................................................... 2.00%
Early repayment of fixed rate home loans
• Early Repayment Administration fee........................ $100
• Early Repayment Recovery .......................... net present
value calculation
Tideover home loan fees
• Application fee .................................................... $500
• Extension fee....................................................... $500
Reserving a fixed interest rate fee
Smart
Plan
$4
(waived
if your
average
daily
balance for
the month
is $10,000
or more)
$10
Automated
transaction
fees (per
transaction)
$0.25
$0.15
$0.25
(your
first 50
automated
transaction
fees are
waived each
month)
$0.15
(your
first 50
automated
transaction
fees are
waived each
month)
Manual
transaction
fees (per
transaction)
$0.65
$0.55
$0.65
$0.55
Monthly
facility fee
N/A
N/A
0.0416% (min $5)
calculated as a
percentage of the
agreed limit or overdrawn
balance, whichever is
greater.
$4
(waived
if your
average
daily
balance for
the month
is $10,000
or more)
$10
For more information on Non-Standard Fees which apply to
these accounts, refer to pages 11-13 of this brochure.
• Reserving a fixed interest rate.................................. free
• Non-utilisation Recovery..................... net present value
calculation
Security fees
•
•
•
•
PAYG
Monthly
account fee
• Application fee (owner occupied)....................up to $500
• Application fee (all other lending)..................... up to 1%
of the loan amount
• Loan Top Up fee................................................... $250
• Redocumentation fee............................................ $250
Low Equity Premium
Smart
Plan
ANZ Business
Flexible Facility
Security Execution fee........................................... $100
Some transactions may also incur a Consent fee.
Consent fee........................................................... $40
Some transactions may also incur a Security Execution fee.
Additional documents........................ $10 per document
Transfer security fee............................................. $250
Security, Execution and Consent requests must be submitted
at least two days prior to the day of settlement in order
for the necessary documentation to be prepared, unless an
urgent settlement has been arranged.
Personal Loan fees
• Application fee..................................................... $250
• Loan Top Up fee................................................... $150
9
Fees and Charges A close look at our products and services
ANZ BUSINESS PREMIUM CALL ACCOUNT
BUSINESS OVERDRAFT FEES
Description
Overdraft application fee...................... A minimum amount
of either $75 or 1% of
the approved credit
limit or increase,
whichever is greater.
Combine premium rates of interest and access to your funds
via internet, phone or in branch.
Fee
ANZ Business Premium
Call account*
Monthly account fee
Nil
Automated transaction fee
Nil
Manual transaction fee
Nil
(The Bank will advise the Customer if the application fee is
higher than the minimum amount stated in this clause.)
Monthly Overdraft Management fee ............ 0.12% (min $5)
(calculated as a percentage of the agreed overdraft
limit or overdrawn balance, whichever is greater).
* This is not a transaction account.
ANZ DIRECT ONLINE
For more information on Non-Standard Fees which apply to
this account, refer to pages 11-13 of this brochure.
•
ANZ NON-PROFIT ORGANISATION
CURRENT ACCOUNT
Non-profit organisations are exempt from payment
of the following fees on one ANZ Non-profit Organisation
Current account:
•
• Monthly account fees
• Automated and manual transaction fees
• Automatic and Bill Payment establishment, amendment
and suppression fees
• Cash handling fees
• Cheque clearance fees.
•
BUSINESS ACCOUNT SERVICE FEES
Note, other Non-Standard Fees may apply see pages 11-13
of this brochure.
Fee
ANZ
Business
Current
account
ANZ
Business
Flexible
Facility
ANZ Business
Premium Call
account
Cheque clearance
fee
$0.25 per
cheque
deposited
$0.25 per
cheque
deposited
$0.25 per cheque
deposited
(one free cheque
deposit per
business day)
Cash handling fee
Deposits less than
$3,000 per day
Waived
Cash handling fee
Deposits of $3,000
and over per business
processing day
0.25% of total cash deposited
Option A
– Monthly access fee............................................. $32
– For each transaction in a credit batch................ $0.20
– For each transaction in a debit batch................. $0.30
– For each domestic funds transfer...................... $0.20
– FOUR authentication devices provided, then
$2 per device per month*
Option B
– Monthly access fee............................................. $15
– For each transaction in a credit batch................ $0.30
– For each transaction in a debit batch................. $0.35
– For each domestic funds transfer...................... $0.30
– THREE authentication devices provided, then
$2 per device per month*
Option C
– Monthly access fee............................................... nil
– For each transaction in a credit batch................ $0.45
– For each transaction in a debit batch................. $0.50
– For each domestic funds transfer...................... $0.45
– TWO authentication devices provided, then
$2 per device per month*
•
Applicable for all options
– Set-up fee...................................................... $100
– International Money Transfers..... $18 per transaction
– International Bank Drafts ........... $25 per transaction
– Same Day Cleared Payments ........$5 per transaction
– Automatic Batch Payments ...........$5 for initial batch
set up**
– View only
– Monthly Access Fee .....................................nil***
– Cross-bank reporting fee
– 1-15 accounts.............................. $20 per month
– 16-75 accounts........................... $100 per month
– 76-300 accounts......................... $300 per month
– 300+ accounts..............................................POA
– Balance and transaction statement information......... free
– Real time balance and transaction reporting.......... free
– Credit Card Balance and reporting........................ free
* Additional authentication devices can incur extra charges.
** Batch is then subject to normal transaction charges.
*** Transaction processing not available.
10
Fees and Charges A close look at our products and services
Agri Banking
Non-Standard Fees
Automatic Payments
ANZ AGRI CURRENT ACCOUNT
• Set-up
– via staff in branch, over telephone or Bank Mail....... $5
– through ANZ Internet Banking.................... no charge
Description
The ANZ Agri Current account is a line of credit generally
secured against your farm or livestock.
•
Fees
Monthly account fee*.............................................. $12.50
Transaction fees (deposits/withdrawals)............................ nil
Overdraft application fee.................. 0.5% of the approved
limit new or increased
limit (min $100)
Cash handling fee
– Deposits less than $3,000 per day....................... waived
– Deposits of $3,000 and over
per business processing day.....................0.25% of total
cash deposited
Alterations to payments
– via staff in branch, over telephone or Bank Mail....... $5
– through ANZ Phone Banking....................... no charge
– through ANZ Internet Banking.................... no charge
Bill Payments/Online Payments
• Set-up
– via staff in branch, over telephone or Bank Mail....... $5
– through Internet Banking........................... no charge
• Alterations to payee details........................................ $5
No fees are charged to delete an Automatic, Bill Payment
or Online Payment via staff in branch, telephone, Bank
Mail or Internet Banking.
Cheques
* Non-Standard Fees apply. Please refer to pages 11-13
of this brochure.
Cheque stopped payment ............................................ $15
Special Answer fee...................................................... $25
The Special Answer fee is waived for ANZ customers
seeking to deposit an ANZ cheque into their ANZ everyday
or savings account.
Image dishonour re-presentation fee......................... waived
Re-presentation of a dishonoured cheque.
Bank cheque.................................................................$5
ANZ Private
CURRENT ACCOUNT
Description
For clients who are eligible for the ANZ Private service,
this account combines attractive interest rates with
convenient access.
Same Day Cleared Payment (SCP)............................$25
Other bank deposits
Interest rate tiers*
Other bank deposit fee................................................. $15
For deposits into Business Accounts, Cash handling
and cheque clearance fees may apply.
$0 – $4,999
$5,000 +
Insufficient funds fees
RESERVE ACCOUNT
Dishonour fee............................................................. $20
Unpaid Bill Payment/Online Payment .......................... $7.50
(due to insufficient funds)
Description
For clients who are eligible for the ANZ Private service,
this savings account combines attractive interest rates
with convenient access.
Customer service investigation $60 per hour (min $15)
Replacement statement.............................................. $4
FEES FOR CURRENT AND RESERVE ACCOUNT
Voucher search
No monthly or transaction fees apply. For more information
on the Non-Standard Fees which may apply to these accounts
(including Other Bank ATM fees) refer to pages 11-13 of
this brochure.
• Provision of images................ $7.50 per item (min $15)
Overdrafts
• Overdraft application fee......................................... $25
This applies to new overdraft applications and
applications to increase existing limits.
• Unarranged overdraft fee......................................... $15
Charged per month, if you exceed your approved
overdraft limit or your account becomes overdrawn
by more than $20 for more than one day. This is in
addition to debit interest.
* Interest is calculated on a split tiered basis where a rate
is payable on the first $4,999 of your credit balance and
another rate is applied to the balances $5,000 and above.
ANZ Internet Banking
• OnlineCode................................................... no charge
11
Fees and Charges A close look at our products and services
ANZ Phone Banking
INTERNATIONAL SERVICES
• Phone Banking calls..................................... no charge*
All fees ‘per transaction’ unless otherwise stated:
* If calling from overseas, standard international
call charges apply.
Travel money
We sell:
ANZ Mobile Phone Banking
• Foreign Cash
– Up to NZD $100 equivalent................................... $7
– Over NZD $100 and up to
NZD $1,000 equivalent....................................... $12
– NZD $1,000 equivalent and over...........1.1% of value
– When debited from a Foreign
Currency Account ............. 1.1% of value (min $12)
• TXT Banking................................................. no charge
• M-Banking.................................................... no charge
• goMoney...................................................... no charge
There are no ANZ Mobile Phone Banking service fees.
Standard mobile phone charges apply, depending on your
mobile phone provider plan. If you have M-Banking you pay
the data download rate for your mobile phone plan.
We buy:
ATM fees
• Foreign cash
– When converted to NZD........................................ $5
– When credited to a Foreign
Currency Account............... 1.1% of value(min $12)
• ANZ ATM fee................................................. no charge
Transaction fees may apply.
• Non-ANZ ATM fee..................................................... $1
Applies to each transaction and balance enquiry at ASB,
BNZ, HSBC, Kiwibank and Westpac ATMs. Charged in
addition to normal transaction fees.
• Overseas ATM fee..................................................... $5
Applies to withdrawals from current and savings accounts.
Foreign currency funds transfer
• Via staff assistance in branch or over phone*:
– Issue............................................................... $28
Outward payments
Banks and other financial institutions who own overseas
ATMs may charge a fee for using them.
• International Money Transfer
Overseas bank charges may apply.
Staff assisted funds transfer
(Commercial Customers only) ...................................... $15
Certificate of balance and interest
Retail and Business Banking customers ........................... $5
Commercial customers ................................................ $20
Auditor’s Confirmation Report
Retail and Business Banking customers ......................... $65
Commercial customers
1-5 accounts .............................................................. $65
6-10 accounts .......................................................... $100
11-15 accounts ........................................................ $150
16-20 accounts........................................................ $200
21+ accounts ........................................................... $300
Via ANZ Internet Banking International Services*:
– Issue............................................................... $18
– Amendment.................................................. $18**
Via ANZ Direct Online*
– Issue............................................................... $18
– Amendment.................................................. $18**
Via staff assistance in branch or over phone*:
– Issue............................................................... $28
–Amendment.................................................... $28*
Via any of the above options:
–Enquiry................................... charge may apply**
– Where beneficiary is claiming
non-receipt of funds .......................................... $50
Less than 48 hours notice of requirement for an Auditor’s
Confirmation Report attracts double the standard fee.
Cancellation
Credit retrieval fee .................................................... $100
– ANZ will make every attempt to return
funds, however the beneficiary may have
already been paid.......................................... $50**
A credit retrieval fee may be charged when assisting a
customer (on a best endeavours basis) to recover funds
incorrectly paid to a third party’s account. This fee applies
irrespective of whether the funds are successfully recovered
from the recipient of the payment.
• International Bank Draft
Overseas bank charges may apply.
12
Via ANZ Direct Online:
– Issue............................................................... $25
Via staff assistance in branch or over phone*:
– Issue............................................................... $30
– Reissue/replacement**...................................... $30
– Stop Payments^................................................ $30
Fees and Charges A close look at our products and services
INWARD PAYMENTS
• Payments credited to an ANZ account^^..................... $15
NZD or foreign currency equivalent.
• Payments credited to a non-ANZ bank account
in New Zealand dollars or foreign currency................. $27
• Payments in New Zealand dollars credited to
an account outside of New Zealand........................... $35
Foreign Cheques
• Deposit of foreign cheques
– When credited to a NZD account#......... $15 per deposit
– When credited to a Foreign
Currency Account#.......................... $20 per deposit
Sent for collection (if you need
to ensure cleared funds) ......................................... $75
* Plus any applicable exchange rate fluctuation.
** A $50 fee may apply in some circumstances, please check
with our staff.
^
ANZ can only provide this service if the draft has not
already been paid, re-issued or replaced.
^^
#
No fee charged for payments under NZD$75 equivalent.
Our lending criteria apply.
This brochure is a summary only. The details are subject
to change. For more information and full details on our
accounts and packages, including terms and conditions,
contact your nearest ANZ branch. Our lending criteria apply.
Some accounts and/or customers may qualify for fee waivers.
A copy of the Bank’s Term Deposit Investment Statement,
General Terms and Conditions and current Disclosure
Statement under the Reserve Bank of New Zealand Act
1989 are available from any ANZ branch of ANZ Bank
New Zealand Limited.
ANZ Bank New Zealand Limited.
13
ANZ10687 09/13