You can view, search, print and even download your transaction details. If you believe a transaction has been made in error, you can lodge a dispute for that transaction. We'll show you how.
You can use the ANZ App to view your transactions while on the go.
You can use Internet Banking to view your transactions quickly and easily:
If you wish to print your transactions for your own records:
You can use the ANZ App to search your transactions quickly and easily:
You can also view a list of your Ongoing & One-off Payments in the ANZ App by tapping More, tap Ongoing & One-off Payments and choose your eligible account to view. Learn more
Use your Internet Banking search to find the transaction you're looking for:
Viewing the details of a transaction can be helpful if you don’t immediately recognise it and wish to find out more about the payment. Here are some things to consider that may help clear things up.
If you're still unsure you can dispute the transaction so that it can be investigated.
Is the amount charged to your account different from the amount on your receipt? This could happen if a purchase is made overseas, or from a merchant that’s located overseas.
If you've made a purchase but the transaction date is different, there may be a delay (up to seven days) between your purchase date and when it’s charged to your account. Fluctuating exchange rates may vary the amount you're charged, surcharges and transaction fees may also apply.
Did you know you can now see more information about your purchases in the ANZ App and get in touch with the business charging you in just a few taps?
Tap on a transaction to see the location of the business on a map. Perfect for double checking transactions you’re not too sure about – or retracing your steps after a shopping trip.
If something still doesn't look right, please follow the steps below to dispute a transaction.
You can also contact the merchant directly to resolve the issues listed below:
If you think the transaction was unauthorised or the result of a scam, you should call ANZ immediately. However, if you see a transaction that doesn’t look right for another reason, and you don’t think your account is at risk, there are a few things you can check before you give us a call:
We’ll look into it and give you updates along the way. Time limits apply, so it’s important you contact us as soon as you can. But before you send us a message or call us, make sure you’ve gathered the following information:
If possible, it’s also helpful to collect other supporting documents such as receipts, bank statements, photographs of the item and business’ contact details.
If you think the transaction was unauthorised or the result of a scam, you should call ANZ immediately. However, if you see a transaction that doesn’t look right for another reason, and you don’t think your account is at risk, there are a few things you can check before you give us a call:
At this point, your request has been submitted and we will begin our investigation.
If you’re having trouble lodging a transaction dispute online, there are other ways you can do this.
Download and complete the Customer Transaction Dispute Form (PDF). It lists the information and documents you'll need to provide.
If you can't download the form, call us on 13 22 73 (or +61 3 9683 9999 from overseas) and we'll send it to you.
You can query transactions you don’t recognise via Message Us in the ANZ App.
Tap on the transaction, then tap Something not right? and scroll down to the bottom of the screen and tap Message Us.
Visa, MasterCard and EFTPOS have their own procedures and timeframes for resolving disputes, and we’ll need to follow their respective processes.
To further understand the investigation process for resolving a transaction query, please refer to the ANZ Credit Cards Conditions of Use (PDF 428kB) for more information.
Once we've received your request to dispute a transaction, we'll send you a letter or email to confirm that we're looking into it for you. We may need further documentation from you to assist with the investigation. If this is the case, we'll contact you by phone, email or securemail.
When investigating transactions we want to make sure you're not disadvantaged, so we may provide you with a temporary credit. If this is the case, we'll notify you by letter or email, stating the temporary credit and timeframe for your enquiry to be resolved. The timeframes may differ depending on your payment type (e.g. Visa, MasterCard, EFTPOS).
If the merchant refunds the transaction, we will notify you by letter or email of the outcome and reverse the temporary credit that was previously provided. Alternatively, if you receive a refund from the merchant, please let us know and we will close the dispute and consider it resolved.
If your disputed transaction is investigated and subsequently declined (e.g. it turns out to be a legitimate transaction), then we will arrange for the reversal of the temporary credit. You'll either receive correspondence, or we'll be in touch, to let you know the outcome.
If there is no response from the merchant within the relevant timeframe for the payment type (e.g. Visa, MasterCard, EFTPOS), we'll send you a finalisation letter notifying you of the outcome of your request. We will then close the dispute and consider it resolved.
We understand there can be a lot of information to digest when disputing a transaction. If you have any questions, please call us on 1800 203 177 (Monday to Friday, 8am to 5pm AEST).
Support information for online banking as well as products and services.
Want to speak to a human? Here you'll find the right number for your enquiry.
Book an appointment online to speak to someone at your preferred branch.
Your transaction list in the ANZ App and Internet Banking, for an eligible account, will show the following:
In the ANZ App, you can scroll or search up to 2 years' worth of transactions for an eligible account.
In ANZ Internet Banking, your transaction list will show 90 days of transactions and for transactions completed more than 90 days ago, you can either check your statements, or search your transactions.
Note: For a V2 Plus account, you can search transactions for up to the last 90 days, while for all other accounts you can search for transactions from up to 2 years.
The ANZ App and ANZ Internet Banking both allow you to view and search transactions regardless of when you actually registered. If you can’t find the transactions you are looking for, refer to your paper or online statements.
No. Once the transaction is processed to your account, you can't cancel or delete the transaction. However, you may lodge a transaction dispute if applicable.
No. Only transactions successfully processed to your account will appear in the transaction list.
You can search up to two years’ worth of transactions for accounts using the search function in both the ANZ App and Internet Banking. We can show you how to search transactions.
Note: For a V2 Plus account, you can search for up to the last 90 days.
Transactions can take some time to complete. If this is the case, the transaction will show as Pending in your transaction list in the ANZ App, while in Internet Banking it will appear in your Outstanding Transactions.
If you need to dispute a transaction, we suggest you check to see it has cleared (ie. no longer showing as Pending) before submitting your dispute request.
If you think the transaction was unauthorised or the result of a scam, you should call ANZ immediately. You can also refer to our further information on reporting suspicious activity.
The Download Transaction History page allows you to download transaction data directly to a software package of your choice if applicable:
If you do not have one of these software packages, you may still download the transactions to your computer as a CSV file. This file can be opened by a plain text editor like notepad or Microsoft Excel.
ANZ Internet Banking allows you to view, search and download transactions regardless of when you actually registered. If, however, you can’t find the transactions you are looking for, refer to your paper statements or online statements.
Your ANZ Internet Banking downloaded list will include transactions matching your search criteria.
For each transaction, it will display the date a transaction was processed, description for that transaction, the debit or credit amount and the balance after that transaction (credit card and loan accounts excepted).
ANZ Internet Banking allows you to download certain information to your computer, including transaction histories, cheque reconciliation details, operator activity logs or direct debit returned items (business customers).
The file can be opened by a plain text editor like notepad or Microsoft Excel.
If we determine that the transaction was not authorised by you, there will be no interest or fees incurred as a result of the disputed transaction.
We can investigate:
A Mistaken Internet Payment is a payment made through Pay Anyone where funds are paid into the wrong account because the user enters or selects a BSB number, account number or PayID that does not belong to the intended recipient. This can occur as a result of the user’s error, or the user being advised of the wrong BSB number, account number, or PayID.
Mistaken Internet Payments do not cover BPay Payments, PayTo Payments, transaction from a business account or situations where a user transfers funds to a recipient as a result of a scam. Although the above transactions are not investigated and dealt as Mistaken Internet Payments, ANZ can still investigate them as a Bpay dispute or a Pay Anyone Recall request.
All requests can be lodged by following the instructions outlined above in Dispute a transaction.
We cannot help with:
Provided that you don’t believe the transaction was unauthorised or the result of a scam, if you wish to dispute a transaction on an ANZ issued credit or debit card, we suggest you lodge your dispute with ANZ as soon as your transaction has processed.. If Scheme rules apply to your disputed card transaction (such as Visa, Mastercard or EFTPOS) time limits will apply. For example, ANZ will need to lodge a fully detailed claim on your behalf within 120 days of the transaction date. If Scheme rules apply and you do not notify us of your disputed transaction and provide us with all necessary details in time for ANZ to meet this deadline, ANZ may not be able to assist in lodging a claim on your behalf.
For circumstances where you believe there has been an unauthorised transaction or suspect you are the victim of a scam, you should contact ANZ immediately so we can investigate the transactions and protect your account from any further fraudulent activity. Unauthorised transactions are subject to the ePayments Code. For more information refer to the ASIC website.
We recommend that you follow the steps above for viewing a transaction to see if do recognise the transaction after all. If you're still unsure, please raise a dispute request for us to investigate further.
Please follow the dispute transaction steps above.
If you're lodging your dispute via ANZ Internet Banking, you should use the dispute reason "The ATM dispensed the wrong amount". Please provide both the amount requested and the amount actually received.
Alternatively, for any ATM dispensing enquiries you can visit an ANZ branch during operating hours or contact us for help with lodging a dispute.
Please continue to make your minimum monthly payments on your credit card while your dispute is being investigated. Interest does not accrue on the disputed amount throughout the investigation. If you have a credit card with an interest free period, you'll only need to pay the closing balance on your statement less the transaction or transactions “on hold” at the due date to keep your interest free benefit. Please contact us if you have any questions related to your card account while your dispute is under investigation.
ANZ's role is to assist our customers by lodging disputes with merchants, providing the transaction is covered by the various Scheme rules (Visa, MasterCard, EFTPOS) and/or the ePayments code.
These rules ensure you have a right to dispute transactions while giving merchants the opportunity to provide evidence before we charge the disputed amount back to them.
If you need to dispute a transaction but don’t suspect any fraud, we suggest you check to ensure it has cleared (ie. no longer showing as pending) before submitting your dispute request. Sometimes pending transactions reverse avoiding the need to raise a dispute.
If you think the transaction was unauthorised or the result of a scam, you should call ANZ immediately. You can also refer to our further information on reporting suspicious activity.
The ANZ App is provided by Australia and New Zealand Banking Group Limited (ANZ) ABN 11 005 357 522. Super and Insurance (if available) are not provided by ANZ but entities which are not banks. ANZ does not guarantee them. This information is general in nature only and does not take into account your personal objectives, financial situation or needs. ANZ recommends that you read the ANZ App Terms and Conditions available here for iOS (PDF) and here for Android (PDF) and consider if this service is appropriate to you prior to making a decision to acquire or use the ANZ App.
Time limits apply, so it’s important you contact us as soon as you can.
