How to Open an Online Account with ANZ Bank: Complete Guide and Account Opening Process

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If you want to open an online account, you need to prepare the following documents in advance: an Australian residential address, valid identification (such as a passport, driver’s license, or national ID), and contact details. You should follow these steps:

1. Visit the ANZ website and click “Apply Now.”
2. Fill in your personal information, ensuring the details are accurate.
3. Upload clear identification documents.
4. Complete identity and video verification.
5. Activate the account after approval.

Reminder: Preparing complete documents can speed up the review process, so it’s recommended to scan or photograph relevant documents in advance.

Key Points

• Before opening an ANZ online account, prepare valid identification and an Australian residential address, ensuring consistent information to expedite the review.
• Choose the appropriate account opening method, download the ANZ Plus app or visit the ANZ website, and click “Apply Now” to start the process.
• During identity verification, ensure a stable internet connection and follow instructions to take photos of your ID and record a selfie video.
• After activating the account, promptly change the initial password and make a small transfer to ensure the account functions properly.
• Regularly check account activity, pay attention to security measures, and avoid clicking unknown links to protect personal information.

Online Account Opening Process

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Accessing the Website and Application Portal

You can open an online account in two ways. The first is to download the ANZ Plus app, suitable for smartphone users. You need to download the app from the Australian App Store or Google Play Store. The second way is to visit the ANZ official website, go to the ANZ Access Advantage page, and click “Apply Now” to enter the application portal.

Reminder: Regardless of the method, you must have an Australian residential address. Foreign nationals can also apply online as long as they provide valid proof of residence.

Here are the common account opening steps:

1. Download the ANZ Plus app or visit the ANZ website.
2. Go to the account opening page and select the appropriate account type.
3. Click “Apply Now” to start the process.

You can refer to the table below for eligibility requirements for different age groups:

Filling in Personal Information

During the online account opening process, you need to provide detailed personal information, including your Australian residential address, phone number, and tax information. Ensure all information matches your identification documents exactly to avoid review delays.

You also need to provide contact details and tax information. If you are a foreign national, select “Foreign resident for tax purposes” in the tax information section.

Suggestion: Prepare all documents in advance to avoid delays due to inconsistent information.

Uploading Identification Documents

You need to upload two valid identification documents. Common identification includes an Australian passport, a foreign passport (with an Australian visa), a Medicare card, or an Australian driver’s license. Ensure the uploaded documents are clear and readable, and an Australian passport expired for no more than two years is acceptable.

You can use a phone or scanner to take photos of the documents. Verify the content carefully during upload to ensure completeness.

Identity and Video Verification

After submitting personal information and uploading documents, you need to complete identity and video verification. You will receive an email from IDkit (on behalf of ANZ). If you don’t see the email, check your spam folder.
You need to use a mobile device with a camera, click the link in the email to access the eVerify secure identity verification portal. The system will ask you to take photos of your ID and review personal information. Then, you need to record a short selfie video, which the system will compare with the photo on your ID. After completing all steps, you can close the window and wait for the review results.

The identity and video verification process is as follows:

1. Receive the IDkit email and click the link to access eVerify.
2. Use a mobile device to take photos of your ID.
3. Review personal information.
4. Record a selfie video for facial comparison.
5. Close the window and wait for the bank’s review.

Note: The video verification step requires a stable internet connection, and it’s recommended to operate in a well-lit environment.

Account Activation and Initial Operations

After the bank approves your application, you will receive an account activation notification. Some accounts will have a debit card mailed to your Australian residential address. You can log into online banking or the mobile app, set a password, and perform initial operations like transferring funds or checking your balance.
Common reasons for delays in the account opening process include not receiving verification codes, identity verification delays, and network issues. If you encounter these issues, contact ANZ customer service or recheck your email and network settings.

• Not receiving verification codes
• Verification delays
• Delays due to network issues

Suggestion: After activating the account, promptly change the initial password to ensure security. For the first operation, perform a small transfer or balance check to confirm the account functions properly.

Account Types

Common Account Types

At ANZ Bank, you can choose from various online accounts. Each account suits different financial needs. You can select the most suitable account type based on your circumstances. The table below lists ANZ Bank’s main online account types:

You can review each account’s features and decide based on your financial needs. For daily spending and transfers, the Access Advantage account is ideal. For accumulating interest, the Online Saver or Progress Saver accounts are more advantageous.

Tip: You can open multiple accounts simultaneously to manage daily expenses and savings goals flexibly.

Online Saver Account Choice

If you want a flexible account with easy access to funds while earning interest, consider the ANZ Online Saver account. This account has no minimum balance requirement or monthly service fees. You can transfer money in or out at any time, and the account automatically calculates interest. The table below summarizes the key features of the Online Saver account:

You can link the Online Saver account with an Access Advantage account for easy management of daily spending and savings. You can check interest changes monthly and plan funds accordingly. The Online Saver account is ideal for users seeking flexible access and interest earnings.

Suggestion: Regularly transfer idle funds to the Online Saver account to accumulate more interest.

Account Opening Requirements and Documents

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Residential Address Requirements

When opening an online account, you must meet residential address requirements. The bank typically requires a valid Australian or New Zealand residential address. You must be at least 13 years old and arrive in New Zealand within 90 days with a valid visa. Each visit requires a visa valid for at least six months. You also need to visit a New Zealand branch in person to activate the account.

Reminder: If you are a foreign national, prepare your visa and proof of residence in advance to ensure a smooth account opening process.

• At least 13 years old
• Hold a valid visa (at least six months validity per visit)
• Arrive in New Zealand within 90 days
• Provide an Australian or New Zealand residential address

Identification Documents

You need to prepare clear and valid identification documents. The bank requires you to submit a driver’s license, passport, or Medicare card online. All documents must show your full name, address, and date of birth, and be in English. If the documents are in another language, provide certified translations. Submitted documents must be originals, and certified copies must be certified within four months. The bank will perform a 1:1 identity match to ensure the information is accurate.

• Driver’s license, passport, or Medicare card
• Documents must be in English or accompanied by certified translations
• Certified copies must be certified within four months
• Originals or certified copies

Note: Ensure uploaded documents are clear and complete to avoid delays due to document issues.

Contact Information and Other Documents

You also need to provide contact details, including a phone number and email address. The bank will use these to send verification codes and notifications. For users with foreign identification, you must provide certified copies and supporting documents, such as utility bills or bank statements. For business accounts, provide the Australian Business Number (ABN), registered business name, and primary business location. Each beneficial owner or authorized signatory must complete identity verification.

Suggestion: Prepare all documents in advance and ensure consistent information to significantly speed up the account opening review process.

Post-Opening Account Management

Account Security

When managing your ANZ online account, prioritize account security. ANZ Bank provides multiple security measures to help protect your funds and personal information:

• You need to set a unique and strong password, avoiding saving it in browsers.
• The bank supports multi-factor authentication, including online verification codes, voice recognition, fingerprint, or facial recognition.
• You can protect your phone and computer with PINs, passwords, or biometric technology.
• The bank has a dedicated fraud monitoring team that monitors account activity 24/7 to detect anomalies promptly.

Common security risks include malware stealing banking credentials, stolen credentials traded on the dark web, limitations of traditional multi-factor authentication, bank impersonation scams, and digital wallet fraud. Regularly check your account, stay cautious of suspicious messages, and avoid clicking unknown links.

Fees and Management

When using an ANZ online account, pay attention to account fees. The table below lists common fees (in USD):

You can reduce fee expenses through the following methods:

• Prioritize using ANZ internet banking for transactions to avoid additional withdrawal fees.

It’s recommended to regularly review account statements and manage fund flows to avoid unnecessary expenses.

Credit Building Suggestions

Effectively managing your online account can yield long-term benefits:

• You can improve financial literacy and learn to plan income and expenses.
• You can save costs and enhance the convenience of fund management.
• You can learn budgeting and expense tracking through the ANZ app, gradually achieving financial independence.

Maintaining good account management habits will lay a solid foundation for future credit building and financial management skills.

You now understand every step of opening an online account. Prepare all documents in advance and ensure the information is accurate. Prioritize account security and regularly check account activity. If you encounter issues, contact ANZ Bank’s official customer service promptly to ensure a smooth banking experience.

FAQ

Can I use a mainland China address for account opening?

You must provide a valid Australian or New Zealand residential address. A mainland China address does not meet ANZ’s online account opening requirements.

Can I apply without an Australian phone number?

You can use a mainland China phone number to register, but it’s recommended to prepare an Australian local phone number for receiving verification codes and bank notifications.

What should I note when uploading identification documents?

You need to upload clear and complete identification documents. The content must be in English or accompanied by certified translations. Ensure the information is accurate and valid.

How long does it take to receive the bank card after account activation?

After the bank approves your application, the bank card is typically mailed to your Australian residential address within 7-10 business days.

What should I do if I forget my login password?

You can reset your password through the “Forgot Password” function on ANZ online banking. You need to verify your identity and set a new password.

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