ANZ Mobile Phone Banking

[Pages:14]ANZ Mobile Phone Banking

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Introducing ANZ Mobile Phone Banking

Australia's Most Convenient Bank has just provided you with another way of managing your accounts ? ANZ Mobile Phone Banking. Whether you prefer a simpler TXT Banking option, more sophisticated M-Banking or both, banking has become even more convenient. > TXT Banking: Send an SMS for an account balance or mini statement and/or receive scheduled alerts for up to three of your accounts. > M-Banking: Request account balances or mini statements, transfer funds between your selected ANZ accounts, make Pay Anyone payments and receive scheduled alerts for up to ten accounts. ANZ Mobile Phone Banking is with you anywhere, anytime*. It's fast, easy and couldn't be more convenient. Whether you're out to dinner or out on a job, ANZ Mobile Phone Banking allows you to do your banking anywhere, anytime! To find out more or to register for ANZ Mobile Phone Banking today, visit or call us on 1300 ANZ MOBI (1300 269 6624).

Please note that for the duration of the Pilot, the support line will be open from 8am ? 7pm EST Monday ? Friday excluding public holidays.

All about TXT Banking

TXT Banking is a fast, convenient way to: > check your account balances > view mini account statements for up to three of

your ANZ accounts > receive Account Alerts. To use TXT Banking, all you need is a mobile phone that can send and receive SMS.

All about M-Banking

M-Banking offers the same security protection as ANZ Internet Banking. Logon to M-Banking to: > check your account balances > view your last ten transactions > transfer money between your ANZ accounts > pay money into someone else's bank account > schedule and receive Account Alerts > find out your own account number for up to ten of

your ANZ accounts. To use M-Banking, you'll need a Java and GPRSenabled mobile phone. For a list of compatible mobile phones, visit or call us on 1300 ANZ MOBI (1300 269 6624).

Who can use ANZ Mobile Phone Banking?

ANZ Mobile Phone Banking is available to all ANZ customers. Customers under 16 years of age are eligible for enquiry only access.

Before you can register for ANZ Mobile Phone Banking, you need to be registered for ANZ Phone or Internet Banking. If you're not already an ANZ Phone or Internet Banking user, call us on 13 33 50 and we'll register you on the spot. Once you have a Customer Registration Number, you can sign up for ANZ Mobile Phone Banking by visiting or calling us on 1300 ANZ MOBI (1300 269 6624).

Account Alerts (TXT Banking and M-Banking)

Do you like to keep track on how much is in your account? Maybe you want to check each week to make sure your pay has been received?

An Account Alert is an SMS that gives you your account balance plus your most recent transactions. You can receive Account Alerts for as many of your Mobile Phone Banking accounts as you like.

Pay Anyone (M-Banking)

Pay Anyone lets you transfer money to other bank accounts in Australia. It's a quick and convenient way to make oneoff payments.

For example, let's say you're out for dinner with a group and the restaurant has a `one bill per table' policy. Your friend says she'll pay so you simply use M-Banking to transfer your share of the bill directly into her account ? no waiting, no hassles, no worries.

You can also pay the babysitter, repay staff for out-of-pocket expenses or put money into your brother's account for his birthday. For your most frequent Pay Anyone transactions, you only need to load the account number once and save it as a Favourite ? a simple and easy way to make frequent payments.

Check your account number (M-Banking)

You can also find out your own bank account number fast. This can come in handy when you're filling out forms or shopping online as well as when someone else wants to make a Pay Anyone payment to you!

*Subject to available mobile phone network connection. 11

How much does it cost? For the duration of the ANZ Mobile Phone Banking Pilot, you will not be charged for using this service. Fees and charges may apply after the full public release which is expected to occur early 2008. You are under no obligation to continue using the service and will not be charged any exit fees.

What about mobile phone charges?

> TXT Banking: You will be charged the standard SMS rate for your mobile phone plan.

> M-Banking: You will be charged data download cost by your mobile phone network provider.

Is M-Banking secure? Absolutely. ANZ M-Banking offers the same level of security as ANZ Internet Banking using an encryption to code all information as it's exchanged. You can only access your accounts when you have your M-Banking password and your mobile phone ? no one can access your account information from any other handset. Of course, if your phone is ever lost or stolen, we can suspend your access to ANZ Mobile Phone Banking at any time ? just give us a call on 1300 ANZ MOBI (1300 269 6624).

How should I choose an M-Banking password? As with any password, your M-Banking password should be easy to remember but not obvious to others. Do not use a password based on easily accessible personal information like birth dates or phone numbers.

Your M-Banking password must be between 7 and 16 digits (numbers) long. It cannot include:

? any letters or `special characters' (eg. ! ? , . & @ *) ? more than three sequential numbers (eg. 1234 or 4321) ? more than three of the same number consecutively

(eg. 1111 or 9999).

How do I download a new M-Banking Application? Simply log onto the ANZ Mobile Phone Banking website at to request that a new application be downloaded to your mobile phone along with a new Activation Code.

Please follow the steps below:

Click `Go' from the `Re-download' M-Banking application menu.

On the next page, click `Download'.

You will be given an Activation Code which will be used to activate your M-Banking application.

An SMS containing a download link will be sent to your mobile phone.

Access this link to download and install the M-Banking application. Please enter your Activation Code and select a new M-Banking password (7-16 digits). Alternatively, you may call 1300 ANZ MOBI (1300 269 6624) to request that the download link be sent to your mobile phone.

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What happens if I am overseas and want to use TXT Banking?

If you have access to the overseas mobile phone network, you will be able to use TXT Banking from overseas by sending an SMS to our international number: +6142 ANZ MOBI (+6142 269 6624).

Please note: > International roaming charges for SMS will apply

depending on your individual mobile phone plan.

> To provide the most up-to-date information, system maintenance is required occasionally which may result in some services being temporarily unavailable.

For a full list of FAQs, please refer to .

Your ANZ Mobile Phone Banking user guide

Signing up for ANZ Mobile Phone Banking is fast and easy.

Either: > visit or > call us on 1300 ANZ MOBI (1300 269 6624) After obtaining some information from you, we will advise you of your 7-digit Activation Code. Once you've registered, we'll send you a `welcome' SMS ? and you're almost there!

Getting started with TXT Banking To activate TXT Banking, simply SMS your Activation Code to 191 ANZ (191 269) within five days of receiving it. As soon as you receive a confirmation SMS, you're ready to start using TXT Banking. Note: If you've registered for both TXT Banking and M-Banking, you only need to activate your M-Banking service (TXT Banking will activate automatically).

Getting started with M-Banking Your welcome SMS will contain a link to download M-Banking. Follow the instructions to download M-Banking to your phone. Once you've downloaded M-Banking to your phone, all you need to do is: > enter your Activation Code > choose a new M-Banking password (7-16 digits). As soon as you've confirmed your M-Banking password, you're ready to start using M-Banking. Once you've downloaded M-Banking, it will be stored on your phone for future use. If you're not sure exactly where to locate it, visit to find out.

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To start your M-Banking session

> Open the M-Banking application (if you can't find it on your mobile phone, you can go to to find out how to locate it) > Enter your M-Banking password or select the option number using the keypad You are now at the main menu.

The main menu

Scroll up and down with the arrow keys or select the option number using the keypad. Use the "OK" button to activate the desired option then follow the prompts. To end your M-Banking session, return to the main menu and select `Exit'.

Using M-Banking . . .

. . . to check your account balances

Select Balances from the main menu. You'll be able to see all your M-Banking account balances at a glance. > Negative balances are followed by a minus sign (eg. $410.10?) > Available on transaction accounts, savings accounts, loan accounts, credit and debit cards and term

deposits.

. . . to view a mini statement

Select Mini statement from the main menu and choose from the options that follow. To find out more about any transaction (for example, the kind of transaction and where it took place), highlight the transaction and choose `OK'. > Your statement will show the last ten transactions plus your current balance. > Money into your account will be displayed as $300.00 > Money out of your account will be displayed as $300.00> Available on transaction accounts, savings accounts and loan accounts and credit and debit cards.

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. . . to transfer money between accounts

Select Transfers from the main menu and choose from the options that follow. > Available from transaction accounts and savings accounts > The maximum you can transfer is $999,999.99 per transaction > There is no daily limit ? you can make as many transfers as you like > Transfers between accounts after 10pm Melbourne time will be processed the following ANZ business day.

. . . to use Pay Anyone

Select Payments from the main menu and choose from the options that follow > Available from transaction accounts and savings accounts > The most you can pay using Pay Anyone is $1,000.00 a day. If you would like to change your daily Pay

Anyone limit, please contact us on 1300 ANZ MOBI. > You can save account details to your Favourite list for future payments. > Pay Anyone payments after 6pm Melbourne time will be processed the following ANZ business day.

. . . to set up or change an Account Alert

Select Alerts from the main menu and choose from the options that follow. > Available for transaction accounts, savings accounts, home loans, credit and debit cards. > You can set up an Account Alert for any hour of the day. > Your Account Alert SMS will show the balance of your account plus your most recent transactions .

Account Alert

Here's what your Account Alert SMS might look like:

ANZ ACCOUNT ALERT Everyday @ 22Apr 18:32

Bal: $2,345.67

3May ATM $100.00? 2May DEP $1,234.56+ 30Apr INT $6.45? 26Apr FEE $1.45? 22Apr EFT $34.56? 13Apr AP $6.45? 11Apr DD $324.45?

. . . to do "other things"

Select Other from the main menu and choose from the options that follow to: > Find out your M-Banking account numbers > Manage your Favourite list > Change your M-Banking password > Check which version of M-Banking is on your phone.

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Using TXT Banking . . .

. . . to check your account balances

SMS `BAL' to 191 ANZ (191 269)

> TXT Account balances are available via TXT Banking on transaction accounts, savings accounts, loan accounts, term deposits, credit and debit cards.

Depending on the type of account, you will be able to check:

> the Current Balance ? takes into account all transactions made in and out of your account, right up to the time you request your account balance;

> the Ledger Balance ? the balance of your account at the start of the day (Melbourne time); or

> your Available Funds ? The amount listed as Available Funds is the total amount of funds currently available for withdrawal from your account. The Available Funds balance may be different to your Current Balance. It may be more or less than the Current Balance, as a result of uncleared funds, withdraw/credit/overdraft limits etc.

Account Type Everyday and Savings Account

(including V2 PLUS) Credit Card ANZ Everyday Visa Debit Passbook Terms Deposits Home Loans Personal Loans

Balance Current Balance

Current Balance Available Funds Current Balance Ledger Balance Ledger Balance Ledger Balance

> Negative balances are followed by a minus sign (eg. $410.10?).

. . . to view a mini statement

For your first linked account ? SMS `STMT' or `STMT1' to 191 ANZ (191 269) For your second linked account ? SMS `STMT2' to 191 ANZ For your third linked account ? SMS `STMT3' to 191 ANZ

Here's what your account balance might look like:

> Available on transaction accounts, savings accounts, loan accounts, credit cards and term deposits

> Your statement will show the last five to seven transactions (depending on how much space is available) plus your current balance

> Money into your account is followed by a plus sign (eg. $100.00+) > Money out of your account is followed by a minus sign (eg. $6.45?).

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