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Cheque changes for personal accounts

Australia's payment landscape is changing. Cheques are being phased out as customers choose faster, more secure ways to do their banking. To support this, we’re making changes to our cheque offering for personal accounts.

What’s changing?

We are adopting a staged approach in the phasing out of cheques:

From 16 June 2024

  • It is no longer possible to order a cheque book on personal accounts using Internet Banking.
  • If you have never had a cheque book on your personal account, you can no longer order one.
  • It is no longer possible to request a V2 PLUS cheque on your V2 PLUS and/or V2+ Broking account(s).

From 24 November 2024

You can no longer request a Counter cheque or Interim cheque book.

Alternative payment methods

We encourage you to consider alternative options for making fast, secure payments without the need for cheques. Here are some examples of other payment options:

I want to…

Alternatives to cheque payments

Pay a bill

BPAY® is available in the ANZ App and Internet Banking, and draws on the use of a Biller Code and Reference Number. 

PayTo® is a fast, simple and secure way to make payments from your eligible (PDF) ANZ account using your PayID® or your BSB and account number available in the ANZ App and Internet Banking.

ANZ Visa Debit carddisclaimerwith an eligible ANZ everyday account may be another option to pay a bill.

Pay a friend

ANZ App and Internet Banking offer PayID and Pay Anyone facilities to transfer money.

Make a large payment (i.e., for a home deposit)

High value payments can be enabled with Voice ID using the ANZ App, and ANZ Shield in Internet Banking. Refer Guide to Make Payments Online for more information surrounding payment limits. 

Domestic Money Transfers to another financial institution within Australia can also be arranged where payments exceed your Pay Anyone limit (fees and charges may apply).

Send money overseas

You can transfer money to an overseas account using Internet Banking. Funds transferred overseas may take 2-4 business days before being available in the payee’s account. Fees and charges may apply from both ANZ and a third party correspondent bank.

You can also call the ANZ contact centre on 1800 352 535, between 8am - 7.30pm Sydney/Melbourne time Monday to Friday to make an International Money Transfer (fees and charges may apply).

Frequently asked questions

ANZ cheque book availability

Effective from 16 June 2024

If you have never had a cheque book on your account, you will not be able to order one.

If you have a cheque book, you can continue to use it and order replacements via the ANZ contact centre or from a branch with teller services until further notice. However, you’ll no longer be able to order a replacement cheque book using Internet Banking.

We encourage you to consider alternative options for making fast, secure payments without the need for cheques. You can learn more at Ways to bank. 

If you do continue to use cheques, you can find tips on how to protect yourself from cheque fraud at Types of fraud.

You can continue to deposit cheques you receive into your ANZ account until further notice but please allow around three to seven business days for the cheque to clear.

For eligible accounts, you can continue to order bank cheques at branches with teller services, until further notice (fees and charges apply).

You can find an ANZ branch with teller services by using the branch locator tool.

We’re here to help make our banking and products more accessible and inclusive. Find out more about accessible banking.

ANZ V2 PLUS cheque availability 

Effective from 16 June 2024

In recent years, we’ve seen a decline in cheque use as more customers choose faster and easier ways to do their banking.

As a result, we are phasing out cheques, and from 16 June 2024 you are no longer able to request a withdrawal using a V2 PLUS cheque on your V2 PLUS and/or V2+ Broking account(s).

You can continue to deposit cheques you receive into your V2 PLUS or V2+ Broking account(s) until further notice.

No, V2 PLUS cheques issued before the 16 June 2024 will still be valid for a period of 15 months from date of issue.

V2 PLUS cheques presented 15 months after the date of issue will be dishonoured and cannot be paid.

V2+ Broking accounts or V2 PLUS accounts with direct banking facilities can continue to make payments by using:

  • Internet Banking
  • Phone Banking
  • Branches
  • BPAY®
  • Direct Funds Transfer
  • Bank Cheque (fees and charges apply)

V2 PLUS accounts without direct banking facilities can continue to request transfers or withdrawals by contacting the ANZ V2 PLUS Service Centre for:

  • Direct Funds Transfer
  • Bank Cheque (fees and charges apply)

We’re here to help make our banking and products more accessible and inclusive. Find out more about accessible banking.

ANZ Counter cheque and Interim cheque book availability

Effective from 24 November 2024

From 24 November 2024, Counter cheques and Interim cheque books will no longer be available on any ANZ accounts.

We’re phasing out Counter cheques and Interim cheque books as we’ve seen an ongoing decline in cheque use as more customers choose faster and easier ways to do their banking.

If you obtain a Counter cheque or Interim cheque book from a branch before 24 November 2024, the cheque/s will be honoured for 15 months from the date listed on the cheque/s, or until further notice.

You don’t need to do anything. These changes will take place automatically; however we encourage you to familiarise yourself with the changes.

No, this change applies to Counter cheques and Interim cheque books only. Please see the information above for information relating to other cheque book types on personal accounts.

You can continue to deposit cheques you receive into your ANZ account until further notice but please allow around three to seven business days for the cheque to clear.

For eligible accounts, you can continue to order bank cheques at branches with teller services, until further notice (fees and charges apply). 

You can find an ANZ branch with teller services by using the branch locator tool.

We’re here to help make our banking and products more accessible and inclusive. Find out more about accessible banking.

We’re here to help

For support with faster, more secure ways to pay, contact us or visit your nearest ANZ branch.

Important information

Any advice does not take into account your personal needs, financial circumstances or objectives and you should consider whether it is appropriate for you.

For information about fees, charges and limits that may apply to different transaction types, refer to fees, terms and conditions.

BPAY® is registered to BPAY Pty Ltd ABN 69 079 137 518

PayID and PayTo are registered trademarks of NPP Australia Limited.

Eligibility criteria apply to the issue of ANZ Access Visa Debit card. Fees may apply (for example, overseas transaction fees, overseas ATM transaction fees and non-ANZ operator fees). Please refer to the ANZ Personal Banking Account Fees and Charges (PDF) and ANZ Saving & Transaction Products Terms and Conditions (PDF) for details.

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