ANZ online login basics
ANZ (Australia and New Zealand Banking Group) lets you log into your account through their website or mobile app. You will need your customer number (a 10-digit code) and a password you create yourself. The login page is at anz.com for the main website, or you can read the ANZ app on your phone.
The first time you log in, you may need to set up extra security steps. ANZ uses a system called two-factor authentication, which means they send a code to your phone or email after you enter your password. This second step confirms it is really you trying to access the account.
Key Takeaways
- Your customer number is a 10-digit code printed on your ANZ card or statement, and you need it along with your password to log in.
- ANZ requires two-factor authentication, meaning you will receive a security code by text or email after entering your password.
- If you forget your password, use the "Forgot password" link on the login page to reset it using your email address or phone number.
- The ANZ mobile app and website both offer the same core features: checking balances, viewing transactions, and transferring money between accounts.
- If you cannot log in after trying the reset process, contact ANZ directly by phone or visit a branch with proof of identity.
Where to find your customer number
Your customer number is a 10-digit code that ANZ assigns to you when you open an account. You can find it in several places: printed on the front of your ANZ debit or credit card, on your bank statements, or in any letter ANZ has sent you about your account.
If you have lost your card and cannot find a statement, you can still log in if you remember your password. ANZ will let you enter your email address or phone number instead of your customer number on the login page. Choose whichever one you used when you opened the account.
Setting up your password and security
When you first set up online banking, ANZ asks you to create a password. It must be at least 8 characters long and include uppercase letters, lowercase letters, and numbers. Do not use your name, date of birth, or customer number in your password, as these are straightforward for someone else to guess.
After you enter your password, ANZ sends a security code to your phone (by text message) or email, depending on which you chose during setup. Type this code into the login page within the time limit — usually a few minutes. This step happens every time you log in from a new device or browser, or sometimes randomly for extra security.
If you use the same device and browser regularly, ANZ may remember it and skip the security code step for a while. You can also choose to receive codes by email instead of text if you prefer, by changing your settings after you log in.
Resetting a forgotten password
If you forget your password, go to anz.com and click "Forgot password" below the login box. ANZ will ask you to enter either your customer number or the email address and phone number linked to your account. Choose whichever you remember.
ANZ will then send a reset link to your email address. Click the link and follow the steps to create a new password. The link usually works for 24 hours, so do this soon after you request it. If the link expires, you can request a new one.
If you do not have access to the email address or phone number on file, or if the reset link does not arrive, you will need to contact ANZ directly. Call their customer service line or visit a branch in person with proof of identity (such as a driver's license or passport). They can verify who you are and help you regain access.
Using the ANZ mobile app
The ANZ app is available on both iPhone and Android phones. read it from the App Store or Google Play, then open it and tap "Log in". Enter your customer number and password, and ANZ will send a security code to your phone. Type the code to finish logging in.
The first time you use the app, you may be asked to set up biometric login — this means using your fingerprint or face to log in instead of typing your password each time. This is optional but makes logging in faster on future visits. You can turn it off anytime in the app settings.
The app shows the same information as the website: your account balance, recent transactions, and the ability to transfer money or pay bills. Some people find the app easier to use on a phone because the buttons are larger and the layout is designed for a smaller screen.
What to do if you cannot log in
If you have entered your customer number and password correctly but still cannot log in, try these steps in order. First, make sure you are on the real ANZ website (anz.com) and not a fake one — check the web address carefully. Second, clear your browser's cache and cookies, then try again. Third, try logging in on a different device or browser to see if the problem is with your computer or phone.
If none of these work, your account may be temporarily locked for security reasons — this sometimes happens after several wrong password attempts. Wait 30 minutes and try again. If you still cannot log in after waiting, contact ANZ by phone. They can unlock your account and walk you through the login process.
You can also visit an ANZ branch in person with proof of identity. Staff can help you reset your password or check whether your account has any security holds on it. Bring your driver's license, passport, or another government-issued ID.
Keeping your login information safe
Never share your customer number, password, or security codes with anyone — not even ANZ staff. ANZ will never ask you for your full password in an email or phone call. If someone contacts you claiming to be from ANZ and asks for these details, hang up or delete the message and call ANZ directly using the number on the back of your card.
Use a password you do not use for any other website or app. If one website gets hacked, a criminal could try your password on your bank account. Consider using a password manager — a tool that stores strong, unique passwords for each of your accounts — if you have trouble remembering different passwords.
Log out when you finish using online banking, especially on a shared computer. On your phone, the app usually logs you out automatically after a period of time with no activity.
Frequently Asked Questions
What is the difference between my customer number and my account number?
Your customer number is a 10-digit code that identifies you as an ANZ customer. Your account number is a separate number that identifies a specific account you hold (you may have more than one). You need your customer number to log in online, but you use your account number when giving ANZ instructions like setting up a direct debit.
Can I log in with just my email address instead of my customer number?
Yes. On the login page, look for an option to enter your email address or phone number instead. You must have registered one of these during account setup. If you did not, you will need to use your customer number or contact ANZ to add an email address to your account.
Why does ANZ keep asking me for a security code?
ANZ sends a security code when you log in from a new device, a new browser, or after a long time away from your account. This protects you from someone else accessing your account if they somehow learn your password. If the codes become annoying, you can adjust your security settings after logging in, though ANZ may still require them occasionally.
What happens if I enter the security code wrong?
You usually get two or three attempts to enter the correct code before the login page times out. If this happens, go back to the login page and start over — ANZ will send you a new code. If you keep entering codes incorrectly, your account may be temporarily locked. Wait 30 minutes and try again, or contact ANZ for help.
Can I log in from outside Australia?
Yes, you can log in from anywhere in the world using the website or app. However, ANZ may ask extra security questions or send codes more frequently if you log in from a new country. This is normal and is designed to protect your account. If you are traveling, you can tell ANZ in advance through the app or website settings.