ANZ online login basics
ANZ (Australia and New Zealand Banking Group) offers online banking through its website and mobile app. To log in, you go to anz.com, select "Log in" at the top right, and enter your customer number and password. The customer number is on your ANZ card or statements; the password is one you create when you first set up online access.
If you do not yet have online banking set up, you can register through the same login page by selecting "Enrol now" and following the prompts. ANZ will ask for your card details and personal information to verify your identity before activating your account.
The mobile app works the same way: download ANZ from the Apple App Store or Google Play, open it, and log in with your customer number and password. Many people use the app for everyday transactions because it is faster than the website for checking balances and sending money.
Key Takeaways
- Your customer number appears on your ANZ card or statement, and your password is one you set when you first register for online banking.
- If you forget your password, use the "Forgot password?" link on the login page to reset it by answering security questions or receiving a code by SMS.
- ANZ offers two-factor authentication (a second verification step) on both the website and app, which adds security but takes an extra 30 seconds per login.
- The mobile app and website show the same account information and let you do the same transactions, so choose whichever is more convenient for you.
What to do if you forget your password
Click "Forgot password?" on the ANZ login page. ANZ will ask you to enter your customer number, then offer two ways to reset: answer security questions you set up when you registered, or receive a temporary code by SMS to the phone number on file with your account.
The security question route is faster if you remember your answers. The SMS route is safer if you think someone else might know your answers. Either way, you will be asked to create a new password before you can log in again. Make sure your new password is at least 8 characters and includes uppercase letters, lowercase letters, and numbers.
Two-factor authentication and security
ANZ offers optional two-factor authentication, which means after you enter your password, you receive a code by SMS or through the ANZ app and must enter that code to finish logging in. This stops someone from accessing your account even if they have your password.
You can turn two-factor authentication on in your account settings under "Security" or "Login settings." Once it is on, every login takes an extra 30 seconds to a minute because you have to wait for and enter the code. If you lose access to your phone, you can turn it off by calling ANZ customer service or by answering security questions on the login page.
Logging in on a shared or public computer
Avoid logging into ANZ on a shared computer (one used by family, roommates, or colleagues) or on public Wi-Fi without a VPN. If you must, always log out when you are finished — do not just close the browser. Look for a "Log out" or "Sign out" button, usually at the top right of the page or in the menu.
On a public computer, also clear your browser history and cookies after you log out. On your phone or personal computer, logging in is much safer because only you use the device and only your apps can see your login.
Common login problems and fixes
If you see an error message saying your customer number or password is wrong, check that you have typed both correctly — customer numbers are usually 8 to 10 digits, and passwords are case-sensitive (capital letters matter). If you are sure you typed correctly, your account may be locked after too many wrong attempts. Wait 15 minutes and try again, or use the password reset link.
If the website or app is very slow or will not load, try refreshing the page or closing and reopening the app. If that does not work, ANZ may be doing maintenance — check the ANZ website or social media for updates. If the problem continues for more than an hour, call ANZ customer service.
If you see a message about your session expiring, you have been logged out for security reasons (usually after 15 to 20 minutes of no activity). Log in again with your customer number and password.
Accessing ANZ on different devices
You can log into your ANZ account on as many devices as you want — your phone, tablet, work computer, and home computer can all have access at the same time. Each device stores your login separately, so logging out on one device does not log you out on the others.
If you want to see which devices have logged-in sessions, some ANZ accounts show this under "Security" or "Active sessions" in settings. You can end a session on a device you no longer use by selecting it and choosing "Log out" or "End session."
Frequently Asked Questions
Can I use my email address instead of my customer number to log in?
No, ANZ requires your customer number at login. Your email address is linked to your account for password resets and notifications, but it is not a login credential. Your customer number is on your card or statement.
What if I have multiple ANZ accounts?
You log in once with your customer number and password, then see all your linked accounts in one place. If you have accounts under different customer numbers (for example, a personal account and a business account), you will need to log out and log in again with the other customer number to switch between them.
Is it safe to save my password in my browser?
No. If someone gains access to your computer, they can see your saved passwords. It is safer to type your password each time or use a password manager (a separate app that stores passwords securely). Never write your password on paper or share it with anyone, including ANZ staff.
Can I log in if I am outside Australia?
Yes, you can log into ANZ from anywhere in the world as long as you have internet access. Some countries block certain websites, so if you cannot reach anz.com, try using a VPN. ANZ may also flag unusual login locations for security, in which case you may need to answer extra questions or receive a code by SMS.
What should I do if I think someone else has logged into my account?
Change your password immediately using the "Forgot password?" link, then call ANZ customer service to report the suspicious activity. ANZ can review your recent transactions, freeze your account if needed, and help you dispute any unauthorised payments. The sooner you report it, the better your chances of recovering money.