ANZ transfer limits [2026]: Complete guide
If you have an account with ANZ you can send digital, phone and in person payments, locally in New Zealand, and also overseas. This guide covers ANZ maximum transfer amounts by payment type.
We’ll also touch on some alternative ways to send your money overseas, using providers like Wise and OFX. Using a specialist service like these can mean you get a fast, secure digital payment with high limits and great exchange rates.
Quick summary: Does ANZ have limits?
| 💡 ANZ transfer limits: Important points to know | |
|---|---|
| ⚠️ANZ has limits on the amount you can send overseas digitally | Send from 100 NZD to 50,000 NZD using goMoney or Internet Banking |
| 📲ANZ has limits on the amount you can send overseas by phone | Send up to 100,000 NZD by phone |
| 💳ANZ has variable limits on domestic payments in NZD | View your limits below the Amount field in goMoney or Internet Banking |
| ➡️ANZ has no upper transfer limits for branch payments | Higher value payments can be arranged in person at an ANZ branch |
| 🌍ANZ digital international payments have no transfer fees | No fees for payments using goMoney or Internet Banking, and some intermediary costs may also be covered |
| 🧑💼ANZ exchange rates for transfers use a variable markup | Additional fee can apply in the rates used for conversion |
*Fee and rate information correct at time of research – 15th June 2026
Can you send high value international transfers with ANZ? 🤔
Yes. You can send high value international transfers with ANZ.
You’ll be able to send local payments online and in the ANZ app up to your account’s digital transfer limit. You can send up to 50,000 NZD overseas digitally, or 100,000 NZD by phone. Higher value transfers can be made in a branch.
Is ANZ safe for large amount transfers? 🔐
ANZ is considered to be a secure bank which is safe to use with normal precautions, such as keeping your own account details secret and only transferring to people you know and trust.
| ANZ large transfers pros | ANZ large transfers cons |
|---|---|
| ✅ Send up to 100,000 NZD overseas by phone, or 50,000 NZD digitally
✅ No limits on the amount you can send in a branch ✅ Domestic payments have variable limits you can see easily in app ✅ Digital international transfers have no ANZ fees |
❌ 15 NZD fees for phone and in branch international transfers
❌ Variable exchange rate markups can apply ❌ Third party fees can apply on overseas payments |
*Fee and rate information correct at time of research – 15th June 2026
ANZ doesn’t limit the amount you can send, but does use an exchange rate markup, which can mean that fees creep up for higher value payments. Before you transfer, compare options like Wise and OFX to see if you can get a better exchange rate which might bring down the overall cost.
ANZ maximum transfer limits 💡
| ☀️ ANZ daily transfer limit | ANZ has no upper transfer limits for branch payments |
| 💻 ANZ online international transfer limits | Send from 100 NZD to 50,000 NZD using goMoney or Internet Banking |
| 📲ANZ phone international transfer limits | Send up to 100,000 NZD by phone |
| ⬇️ ANZ receiving limit | Usually no limit on the amount you can receive in your ANZ everyday account |
Alternatives to ANZ with higher transfer limits
ANZ does allow unlimited payments overseas if you go to a branch. However, branch payments have a 15 NZD fee. If you’d prefer a digital provider with high limits you may like specialist services which are dedicated to making large payments with just a phone or laptop.
Here are some suggestions:
| Providers | 🎯 International transfer limits | 🌍 Coverage | 💰 Transfer fees & exchange rates | 📥 Transfer methods |
|---|---|---|---|---|
| ANZ | Unlimited in branch | Send in 28+ currencies digitally, and more by phone or in branch | Up to 15 NZD; Exchange rates are likely to include a markup | Send online and in app, by phone or in branch |
| Wise | Up to 2.2 million NZD | Send to 140+ countries | Low variable fees, mid-market exchange rates | Send online and in app |
| Revolut | Limits apply which can not be seen in advance | Send to 150+ countries | Variable fees, weekday exchange with the Revolut rate to plan limit; out of hours and fair usage fees may apply | Send online and in app |
| OFX | Unlimited | Send to 170 countries | Up to 12 NZD; exchange rates may include a markup | Send online, in app and by phone |
Details correct at time of research – 15th June 2026 *Other limits may be applied based on your specific transfer, receiving country, and registered address
Wise
Wise is a specialist in international transfers and multi-currency accounts for personal and business customers.
Wise offers low cost currency conversion and cross border payments to 140+ countries.
Wise transfer limits are high – up to 2.2 million NZD when sending in dollars, depending on the payment method – and there are fee discounts on high value payments over 44,000 NZD.
- 🌍Send payments to 140+ countries, in a broad range of international currencies
- 💳 Currency conversion uses the mid-market exchange rate with low, transparent fees for payments
- 💡Discounted fees on higher value transfers, or if you make multiple transfers in a month which aggregate over 44,000 NZD in value
| 🎯 Wise pricing & limits | |
|---|---|
| 🎯 Wise outgoing wire transfer limits | Up to 2.2 million NZD
|
| 💰 Transfer fees | Low, variable fees based on the currency, with discounts on high value transfers |
| 💱 Wise exchange rates | Mid-market exchange rates. |
| 📥 Incoming wire transfer limits | Often unlimited – limits may vary depending on the currency received |
| ⬇️ Incoming transfer fees | No fee with local account details. Low fees apply for incoming wire and SWIFT payments, depending on the currency received |
*Details correct at time of research – 15th June 2026
Revolut
Revolut offers several different account tiers to customers in New Zealand, which all have varying fees and exchange rate options for international transfers. All accounts have some currency exchange monthly which uses the Revolut rate Monday to Friday, before adding any additional fees.
Once you exceed your plan limit or at a weekend you may pay more.
Outward payment limits are not stated, but if you ever run into a limit you’ll be notified in the Revolut app.
- 🎯You’re notified of limits as and when they apply to you
- 🌍Payments available to 150+ countries
- 💳 Various payment options available, including account balance and linked cards
| 🎯 Revolut pricing & limits | |
|---|---|
| 🎯 Revolut outgoing wire transfer limits | Outgoing transfer limit can not be seen in advance – if you hit a limit when processing a payment you’ll receive a notification |
| 💰 Transfer fees | Variable fees based on country, value and plan type |
| 💱 Revolut exchange rates | Weekday exchange using the Revolut rate to plan limit, then fair usage fees of up to 0.5% apply. Weekend fees of up to 1% may apply depending on when you convert |
| 📥 Incoming wire transfer limits | No maximum payment limit, but annual limits apply which cannot be checked in advance |
| ⬇️ Incoming transfer fees | No fee |
*Details correct at time of research – 15th June 2026
OFX
OFX is well known for great customer service, and offers a 24/7 phone service to customers around the world. OFX personal and business customers can make international transfers in 50+ currencies, and access currency risk management products too.
Payments are usually unlimited, with no transfer fee for personal customers sending over 10,000 NZD in a payment – an exchange rate markup will apply.
- ➡️ Send to a huge range of countries, in 50+ currencies
- ⏰24/7 personal phone service
- ⚠️One off and recurring international transfers available
| 🎯 OFX pricing & limits | |
|---|---|
| 🎯 OFX outgoing wire transfer limits | No outgoing transfer limit |
| 💰 Transfer fees | No OFX fee for personal customers sending over 10,000 NZD – 12 NZD fee below this value |
| 💱 OFX exchange rates | Exchange rates may include a markup |
| 📥 Incoming wire transfer limits | OFX does not offer a personal account to receive payments; business customers can receive payments with no stated limit |
| ⬇️ Incoming transfer fees | OFX does not offer a personal account to receive payments; business customers can receive domestic transfers with no fee, or 5 NZD for SWIFT and wire payments |
*Details correct at time of research – 15th June 2026
ANZ high amount transfer fees 💰
| Payment type | ANZ fee |
|---|---|
| Digital international transfer online or in app | No fee |
| Phone international transfer | 15 NZD |
| In branch international transfer | 15 NZD |
| Additional costs | Third party costs may apply if your payment is subject to an OUR fee |
*Details correct at time of research – 15th June 2026
ANZ exchange rate for international transfers
ANZ sets its own exchange rate which may mean that there’s a variable fee added to the mid-market rate you’d find online or using a currency converter tool. You can check the ANZ exchange rate online or in the ANZ app.
It’s good to check the exchange rates available for high value payments in particular as a small change in the rate you’re assigned can make a really big difference to the overall cost of your payment. Compare a few options – including providers like Wise which don’t add any fees to the exchange rates available.
How long do large transfers take with ANZ? ⏳
ANZ states that payments are usually received within about 2 business days. However, the ultimate delivery time depends on factors like the recipient bank processes and the currency being sent.
How to send a large amount transfer with ANZ
💻Send online: You can set up your ANZ payment on the ANZ desktop site and use your ANZ account balance to fund the transfer, up to 50,000 NZD
📱Send in the ANZ app: You can also arrange ANZ payment using the ANZ app so all you need is your phone, payments supported up to 50,000 NZD
📞 Send using ANZ phone banking: Call ANZ on 0800 269 296 to send amounts from 50,000 NZD to 100,000 NZD – 15 NZD fee applies
🏦Send in an ANZ branch: Send any amount from 100 NZD upwards in a branch, with fees of 15 NZD per payment
Information needed to send large amounts of money with ANZ 📎
| 📂 Required information to send high amounts of money 📌 |
|---|
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Is it possible to increase ANZ transfer limits?
ANZ transfer limits are set according to the payment method you select. You can send up to 50,000 NZD digitally, 100,000 NZD by phone, and an unlimited amount in a branch.
How to receive large international transfers with ANZ 📥
💡A fee of up to 15 NZD may apply to receive a payment to an ANZ account. This fee is waived if the received amount is under 300 NZD.
📂Here’s what you need to give to the sender to be able to receive large payments into an ANZ account:
- Your account name and full account number
- ANZ’s full name and address: ANZ Bank New Zealand Limited, Ground Floor ANZ Centre, 23-29 Albert Street, Auckland, 1010, New Zealand
- The ANZ SWIFT code: ANZBNZ22
Alternatives to ANZ for receiving large payments
| ➡️ Wise Account: | Receive payments with account details in 20+ currencies, often with no limit on the incoming transfer amount. |
| ➡️ Revolut Account: | Receive payments in NZD and EUR with local account information, and SWIFT transfers in around 25 other supported currencies. |
ANZ business payments limits
ANZ offers several different business payment options which have different limits. You may be able to increase the limits on a payment method by adding additional security features to your account.
For example, with the ANZ goMoney app you can send up to 10,000 NZD and increase this by registering for voice ID services.
ANZ customer support for high amount transfers 📞
| 📌 ANZ contact information |
|---|
| 📞 0800 269 296 💻Open an in app chat or send a secure email from your online banking service🏦Visit any ANZ branch to ask for face to face help |
Sources
(Information last checked on 15th June 2026)
- ANZ New Zealand – payment limits
- ANZ New Zealand – international transfers
- ANZ New Zealand – foreign exchange rates and fees
- ANZ New Zealand – digital payment information for businesses
