TXT Banking Frequently Asked Questions

General Questions

What is ANZ TXT Banking?

ANZ TXT Banking allows you to bank with the convenience of your mobile phone. Whether you’re at home, out of the office, on holiday, or at the shopping centre, wherever you are, you can enjoy access to selected ANZ accounts. Keeping track of your accounts 24/7* has never been easier!
*Subject to mobile phone network availability.

What can I do with TXT Banking?
With TXT Banking you can request account balances and mini statements on up to three ANZ accounts. Mini statements will show the last five account transactions on that account. In addition, you can also setup and receive Account Alerts.

Who can use TXT Banking?
To use TXT Banking, you must be:

  •  an existing ANZ Internet or Phone Banking customer
  •  over 12 years of age

If you're not already an ANZ Internet or Phone Banking customer, call the ANZ Internet Banking Help Desk on 13 33 50 (24 hours a day, seven days a week) or visit any ANZ branch to register.

Can I use TXT Banking  365 days of the year?
Yes, the TXT- Banking service is available 365 days of the year provided there is network coverage and no service interruptions.

How many accounts can I access using TXT Banking?
You can register up to three of your ANZ accounts for TXT Banking.

What happens if I close one of my TXT Banking accounts?
The account will be omitted when you balance on mini statement is sent to you.

Can I use TXT Banking overseas?
Yes  you can, you will have full access overseas by sending your TXT Banking request (SMS) to our international roaming number: +6142 ANZ MOBI (+6142 269 6624). You will also be able to receive Account Alerts while roaming. Additional carrier charges may apply for the receipt of text messages (SMS) (eg for receiving balance requests, mini statements, and Account Alerts). Please contact your mobile phone carrier for activation of international roaming and associated fees and charges.

Can I use my current mobile phone for TXT Banking?
To be able to use TXT Banking, you'll need a mobile phone that can send and receive text messages (SMS).

What if I get a new mobile phone?
As long as you have not changed your mobile phone number, you will not be required to do anything when you switch to a new handset. TXT Banking should be available immediately on your new mobile phone.

What if I change my mobile phone number?
Simply log onto to the ANZ Mobile Phone Banking website to update your personal details. Please follow the steps below:
Click 'Go' from the 'Update Details' application menu.
On the next page click 'Change' (located under your mobile phone number) within 'Your Details'    section.
Enter your new mobile phone number.
Click 'Update'.
Or alternatively, you can call us on 1300 ANZ MOBI (1300 269 6624) to update your mobile phone number.

How do I register?
You can register for TXT Banking by logging onto the ANZ Mobile Phone Banking website and following the instructions on screen. Alternatively, you can call us on 1300 ANZ MOBI (1300 269 6624) to register. You'll need to be a registered ANZ Internet or Phone Banking customer. 
If you are not registered for ANZ Internet or Phone Banking, we can sign you up when you call.

What if I change my CRN (Customer Registration Number)?
If you change your CRN you'll need to let us know. Call us on 1300 ANZ MOBI (1300 269 6624) in order to update your personal details (ie Customer Registration Number).

Can I use TXT Banking on all networks?
TXT  Banking will work on all Australian mobile phone networks*.
*As at 02/11/2007.

What will I be charged?
ANZ TXT is currently offered to ANZ customers at no additional charge. You will be advised prior to fees and charges being applied to this service. However, all SMS sent to 042 ANZMOBI (0422 696 624) will be charged the standard SMS fee by your network provider. Any such charges are solely your responsibility. You can call the ANZ Mobile Phone Banking Helpline, on 1300 ANZ MOBI (1300 269 6624), should you have any questions regarding the fees and charges for this service.
Mini Statements

What number do I text to get a mini statement?
Simply text STMT1, STMT2 or STMT3 to 042 ANZMOBI (0422 696 624) to get a mini statement for any of your three accounts.
ie For your first linked account - text STMT or STMT1 to 042 ANZMOBI (0422 696 624).
For your second linked account - text STMT2 to 042 ANZMOBI (0422 696 624).
For your third linked account - text STMT3 to 042 ANZMOBI (0422 696 624).

Are the transactions in mini statements up-to-date?
Yes. All mini statements contain up-to-date information, which means that they take into account all transactions* made out of and into your account, right up to the time you request the mini statement. Remember though, that any fund transfers made after 10.00pm Melbourne time and Pay Anyone payments made after 6.00pm Melbourne time will not be processed until the next business day.
*All Pay Anyone payments made into an ANZ account from a third party bank account will not be displayed in the mini-statement until the next business day.

How do I know if a transaction is a debit or a credit in the mini statement?
A debit sign ('-') will appear after each withdrawal from your account. A credit sign ('+') will appear after each deposit into your account.

How many transactions will I see on my mini statement?
Your mini statement will show your current account balance, plus the last five to seven transactions for that account. The exact number of transactions displayed will depend on the make and model of your handset as well as the size of the transactions and balances shown.

How long does it take to get a mini statement using TXT Banking?
You should get a response almost immediately after you text your mini statement request. There may be short delays when the mobile network usage is higher than usual. Please note: ANZ Mobile Phone Banking service will only operate where mobile network coverage is available.
Managing Your Accounts

What number do I text to get an account balance?
Simply text BAL to 042 ANZMOBI (0422 696 624) to get your account balances.

Are account balances up-to-date?
For most types of accounts, the account balance will be up-to-date, meaning it will include all transactions* made in and out of your account up to the time you request your account balance. For Term Deposit and Loan accounts, the account balance will be the balance of your account at the start of the day (Melbourne time). Remember though, that any fund transfers made after 10.00pm Melbourne time and Pay Anyone payments made after 6.00pm Melbourne time will not be processed until the next business day.
*All Pay Anyone payments made into an ANZ account from a third party bank account will not be reflected in the account balance until the next business day.

How is 'balance' defined when I request an account balance?
How your balance is defined will vary depending on the type of account you request a balance on. Depending on the type of account, you will be able to check:

  •  your Current Balance - takes into account all transactions made in and out of your account, right up to the time you request your account balance;
  •  your Ledger Balance - the balance of your account at the start of the day (Melbourne time); or
    your Available Funds - The amount listed as Available Funds is the total amount of funds in your account that are currently available for withdrawal. The Available Funds balance may be different to your Current Balance. It may be more or less than the Current Balance, as a result of uncleared funds, withdraw/credit/overdraft limits etc.

How do I know if my account balance is in debit or credit?
If your account is in debit, a '-' sign will appear after the account balance. If it is in credit, no sign will appear after the account balance.

How long does it take to get an account balance using TXT Banking?
You should get a response almost immediately after you text your account balance request. There may be short delays when the mobile network usage is higher than usual. Please note: ANZ Mobile Phone Banking service will only operate where mobile network coverage is available.
Account Alerts

What is an Account Alert?
An Account Alert is a mini statement sent to your mobile phone in the form of a text message (SMS) on a daily, weekly, fortnightly or monthly basis. Account Alerts are only time-triggered and must be pre-set by you.

How do I set up an Account Alert?
You can set up an Account Alert by logging on to the ANZ Mobile Phone Banking website to setup an Account Alert or by calling us on 1300 ANZ MOBI (1300 269 6624).

How many Account Alerts can I set up?
You can set up as many Account Alerts as you like. Please note: If you are on international roaming, your mobile carrier may charge an additional fee for the receipt of a SMS. Please contact your mobile carrier for rates and charges.

Can I set up an Account Alert for any day of the month?
You can set up a daily, weekly and fortnightly Account Alert for any days of the month, except for the 29th, 30th or 31st of any month, as not all months have these days.

Can I set up an Account Alert for any time of the day?
You can set up Account Alerts for any hour of the day, as long as it is on the hour (1pm, 2pm, 3pm, etc). You cannot set up Account Alerts for times that are between the hours, like 2.30am or 1.45pm.
Passwords and Security

What should I do if I lose my mobile phone?
If you lose your mobile phone and would like to suspend your TXT Banking access, please call us on 1300 ANZ MOBI (1300 269 6624).

What should I do if my mobile phone is stolen?
If your mobile phone is stolen, we recommend that you suspend your TXT Banking access. To do this, please call us on 1300 ANZ MOBI (1300 269 6624).

Can someone else report my mobile phone lost or stolen?
Yes. For your security, we will suspend your TXT Banking access as soon as anyone reports your mobile phone lost or stolen.

Why won't my Activation Code work?
Your Activation Code may not work if:

  •  You have entered the code incorrectly three times. If you have entered the wrong Activation Code three times, your ANZ Mobile Phone Banking service will be suspended. To activate your ANZ Mobile Phone Banking service, please call 1300 ANZ MOBI (1300 269 6624).
  •  It has been more than five days since it was issued. Your Activation Code has expired. Simply logon to the ANZ Mobile Phone Banking website to request a new Activation Code. Please follow the steps below:
    Click 'Go' from the 'New Activation Code' menu.
    The new Activation Code will be displayed on screen.
    Click 'Finish'.
    Please note this Activation Code will expire in five days.

Or alternatively, you can call us on 1300 ANZ MOBI (1300 269 6624) to request a new Activation Code.

Will my Activation Code expire?
Your Activation Code is valid for five days. If you don't use it during this time it will expire. If this happens, simply logon to the  ANZ Mobile Phone Banking website to request a new Activation Code. Please follow the steps below:
Click 'Go' from the 'New Activation Code' menu.
The new Activation Code will be displayed on screen.
Click 'Finish'.
Please note this Activation Code will expire in five days.

Or alternatively, you can call us on 1300 ANZ MOBI (1300 269 6624) to request a new Activation Code.

What if I enter the wrong Activation Code?
You have three chances to enter your Activation Code. If you get it wrong on the third attempt your ANZ Mobile Phone Banking service will be suspended. If that happens you will need to call us on 1300 ANZ MOBI (1300 269 6624).

What if I've lost or forgotten my Activation Code?
Simply logon to the ANZ Mobile Phone Banking website to request a new Activation Code. Please follow the steps below:
Click 'Go' from the 'New Activation Code' menu.
The new Activation Code will be displayed on screen.
Click 'Finish'.
Please note this Activation Code will expire in five days.
Or alternatively, you can call us on 1300 ANZ MOBI (1300 269 6624) to request a new Activation Code.

Note: You may be liable for losses incurred after you become aware of the loss or theft of the Activation Code and before you notify ANZ of the loss or theft of the Activation Code. Please refer to the Electronic Banking Conditions of Use for more information.

Can anyone else use my Activation Code on their mobile phone?
No. Your Activation Code is only valid when it's used with the phone number you registered for ANZ Mobile Phone Banking.