ANZ NZ Internet Banking – goMoney Login, Features and Guide

ANZ New Zealand offers two primary digital channels for managing your finances: the goMoney mobile app and ANZ Internet Banking accessed through a web browser. Both platforms provide comprehensive account management, payment capabilities, and security features designed for everyday banking needs. Understanding how each service works helps customers choose the most suitable option for their circumstances.

The goMoney application serves as ANZ’s dedicated mobile banking solution, while Internet Banking delivers equivalent functionality through desktop and laptop computers. Each platform emphasises multi-layered security, seamless transfers, and integration with ANZ’s broader product range including KiwiSaver and business accounts.

This guide covers the essential aspects of ANZ’s digital banking services, from initial registration through daily use, security measures, and troubleshooting options available to New Zealand customers.

How do I log in to ANZ NZ internet banking?

Accessing ANZ’s digital banking services requires different credentials depending on whether you use goMoney or Internet Banking. The mobile app offers more flexible authentication methods, while the web-based platform follows a traditional username-and-password approach.

Logging into goMoney

The goMoney app accepts your ANZ customer number alongside a four-digit PIN. On compatible devices, biometric authentication using fingerprint or facial recognition provides an alternative to entering your PIN manually. Your customer number appears on your ANZ card, within the app’s Settings section, or can be retrieved by calling 0800 269 296.

First-time users who have previously registered for Internet Banking can log in using their existing customer number and password, then set up their goMoney PIN when prompted. Users switching to a new device follow the same initial steps, with an OnlineCode verification appearing to confirm identity.

Logging into ANZ Internet Banking

The web-based platform requires your customer number and password at the ANZ login page. During your first login, registration for OnlineCode—an SMS or app-based two-factor authentication system—becomes mandatory. This second layer of security applies to most transactions and account changes.

Registration Requirements

New ANZ customers can download goMoney and complete the entire account opening process on their smartphone. The application requires applicants to be at least 13 years old, hold a New Zealand residential address, and possess either a New Zealand passport or driver licence. A compatible device with a camera enables the required selfie video verification.

After submitting the form, applicants receive a reference number and must call 0800 269 296—or +64 4 470 3142 from overseas—to verify their identity. Successful applications result in an ANZ Go everyday account with no monthly fees and a complimentary Visa Debit card, with approval typically arriving within two business days.

What is goMoney and its key features?

goMoney serves as ANZ New Zealand’s mobile banking application, designed for customers who prefer managing their finances through smartphones and tablets. The platform combines account viewing, payments, and card management within a single interface optimised for mobile use.

Unlike the web-based alternative, goMoney includes features specific to mobile banking such as Quick Balance viewing without logging in fully, Pay to Mobile payments using recipient mobile numbers, and biometric authentication options. For those exploring how to open a bank account online in New Zealand, goMoney provides a streamlined entry point.

Account and Payment Capabilities

Users can view account balances instantly, transfer funds between ANZ accounts including foreign currency holdings, and establish automatic payment arrangements for recurring bills. Push notifications alert customers to deposits, low balances, and large transactions as they occur.

International transfers can be initiated directly within the app, enabling customers to send money overseas without visiting a branch. Pay to Mobile functionality allows payments to other ANZ New Zealand customers using only their mobile phone number.

Card Management Options

The application provides comprehensive debit and credit card control. Customers can set or change their card PIN, temporarily block a card if misplaced, report lost or stolen cards, and order replacement cards. Paper statement preferences can be adjusted, with digital statements available in the app for up to seven years of history.

Investment and Business Features

KiwiSaver members can monitor their account details, contribution history, investment performance, and tax resident information (PIR) through the app. Business customers benefit from the ability to view personal and business accounts simultaneously, process employee payments, submit IRD filings, and manage multi-authoriser approval workflows.

Device Compatibility

The goMoney app downloads from the App Store for iOS devices and Google Play for Android smartphones. A compatible device must have a camera for the identity verification selfie during registration and internet connectivity for all banking functions. Biometric authentication requires compatible hardware including fingerprint sensors or front-facing cameras for facial recognition.

Account and loan applications for additional ANZ products can be submitted through the app, with Apple Pay and Google Pay integration supporting contactless payments at physical retailers.

Is ANZ internet banking safe and reliable?

ANZ implements multiple security layers across both goMoney and Internet Banking platforms. The approach combines authentication requirements, continuous monitoring, and technical safeguards designed to protect customer accounts and transactions.

Authentication Measures

Login to goMoney requires either a four-digit PIN or biometric verification on eligible devices. Internet Banking uses the customer number combined with a password, supplemented by OnlineCode—a two-factor authentication system delivered via SMS or through the app itself. Voice ID provides an additional verification option for telephone banking interactions.

Continuous Monitoring

ANZ conducts around-the-clock monitoring of account activity. The system analyses behavioural patterns including how users swipe, scroll, and type, alongside device data to identify anomalies that might indicate unauthorised access or scam attempts. This analysis operates continuously rather than only at login.

Technical Safeguards

The application employs high-grade encryption for all data transmission. Banking details are not stored on the device itself, reducing risk if a phone is lost or stolen. Auto-lockout activates after multiple incorrect PIN attempts, and sessions timeout after periods of inactivity.

Data collection occurs only when users are actively logged in, with no background tracking of account information when the app is closed.

Overseas Access

Customers travelling internationally can access their accounts using their standard login credentials and OnlineCode verification. A working mobile connection remains necessary to receive authentication codes. For support while abroad, ANZ can be contacted at +64 4 470 3142, though international call charges may apply.

Service Availability

Both platforms operate continuously, though occasional maintenance may cause brief interruptions. If experiencing login difficulties, ANZ recommends trying a different browser for Internet Banking or using in-app troubleshooting guides. The support line at 0800 269 296 remains available for real-time assistance with service status inquiries.

How has ANZ digital banking evolved?

Detailed historical information about ANZ’s goMoney and Internet Banking services is not publicly documented in available sources. The bank has progressively expanded digital capabilities over time, with the goMoney app representing the mobile-focused evolution of its online banking offerings.

Features such as biometric authentication and Pay to Mobile represent additions to the platform that reflect broader industry trends toward mobile-first banking experiences.

1. Early Online Banking: ANZ established internet banking services in the early 2000s, initially offering basic account viewing and transfers through desktop browsers.
2. Mobile Application Launch: The goMoney app emerged as ANZ’s dedicated mobile solution, bringing banking capabilities to smartphones with features tailored to mobile use patterns.
3. Biometric Integration: Fingerprint and facial recognition authentication became available on compatible devices, providing alternative login methods to traditional PINs.
4. Enhanced Payment Features: Pay to Mobile and international transfer capabilities were added, expanding the range of payments possible through the app.
5. Business Integration: Multi-authoriser workflows and combined personal/business account management brought more sophisticated functionality to business customers.

What information is verified versus uncertain?

Understanding ANZ’s position in New Zealand banking

ANZ New Zealand operates as one of the country’s largest retail and commercial banks, serving millions of customers across personal, business, and institutional segments. The bank’s digital infrastructure reflects broader industry trends toward online and mobile-first service delivery. Those new to the New Zealand banking system may benefit from understanding the various options available for managing finances online.

The Reserve Bank of New Zealand oversees the financial system including major banks like ANZ, establishing regulatory requirements that influence security standards and service capabilities. However, specific regulatory findings or reviews pertaining to ANZ’s digital banking services for recent periods are not detailed in publicly available documentation.

Direct comparisons between ANZ’s goMoney and competing platforms from ASB or Kiwibank cannot be made based on available information. Each institution emphasises different aspects of their digital offerings, with ANZ highlighting app-based account opening, biometric login options, and Pay to Mobile functionality.

Sources and further information

The information in this guide draws from ANZ New Zealand’s official documentation and digital platforms. Key resources for customers seeking the most current details include the official goMoney information page and the Internet Banking overview.

“ANZ goMoney is the mobile banking app for ANZ New Zealand customers, offering secure access to accounts, payments, and card management on compatible devices.”

— ANZ New Zealand

For troubleshooting assistance, ANZ provides step-by-step guides covering customer number retrieval, OnlineCode setup, and device switching procedures. The support team at 0800 269 296 offers direct assistance for complex issues or account-specific concerns.

Those opening their first New Zealand bank account may find it helpful to review the Open Bank Account Online NZ – Steps, Documents and Banks guide for broader context on banking options available in New Zealand.

Summary

ANZ NZ Internet Banking and goMoney provide comprehensive digital banking options for New Zealand customers. The goMoney app suits those preferring mobile access with biometric authentication and features like Pay to Mobile, while Internet Banking via browser offers equivalent functionality for desktop users. Both platforms maintain strong security through two-factor authentication, continuous monitoring, and encryption, with no monthly fees for basic ANZ Go everyday accounts.

Registration can be completed entirely online or through the app, requiring identity verification via video selfie and a phone call. Support remains available through the app, online guides, and the 0800 269 296 helpline for customers needing assistance with access or service issues.

Frequently asked questions