ANZ SAVINGS &TR ANSACTION PRODUCTSTERMS AND CONDITIONSEFFECTIVE 8 JULY 2024
SAMOA EDITIONABOUT THIS BOOKLET
You must read this booklet along with the ‘ANZ Fees andCharges Customer Banking Services’ booklet and the‘ANZ Electronic Banking Conditions’ where applicable.
Together they form your terms and conditions for the
products and services listed on the next page.
If you require a copy of the ‘ANZ Fees and Charges
Customer Banking Services’ brochure or the ‘ANZ Electronic
Banking Conditions’, please call +685 69999.

This booklet contains terms and conditions for thefollowing products and services:• Term Deposit Products• Cheque Account• Standing Orders• Internet Banking• BillPay service• Access Card
• Access Everyday Account

HOW TO USE THIS BOOKLET• Access Premium AccountBelow you will see the list of products and services that theterms and conditions in this booklet cover and over thepage are detailed contents, including page references.

• Pacific Savings Account• Priority Cash Management Account• Foreign Currency AccountThis booklet outlines areas such as opening and using ANZ
accounts, specific product terms and conditions and how
to contact us (at the back of this booklet).

GENERAL ENQUIRIES
If you have any general enquiries about this booklet, or theterms and conditions contained within it, or simply needmore information about any ANZ account, please ask at
any ANZ branch, or enquire via Bank Mail if you’re registered
for ANZ Internet Banking, or phone our Call Centre
on +685 69999.
Details of how to contact us and hours of availability can befound on anz.com/samoa.

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CONTENTS
Introduction

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Section 1: How to open an ANZ account
1.1 How to open an ANZ account
1.2 Identification
1.3 Government charges
1.4 Joint accounts
1.5 Trust accounts
1.6 Term Deposit
1.7 Non residents

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Section 2: Using an ANZ account
2.1 Authority to use an account
2.2 Deposits
2.3 Currency
2.4 Cheques
2.5 Withdrawing or transferring money
2.6	Stopping or altering payments forStanding Orders
2.7 Processing withdrawals and deposits
2.8 Payment procedures and insufficient funds
2.9 Changes to fees, charges, interest rates andthese Terms and Conditions
2.10 Amounts owing
2.11 Interest
2.12 Working out the interest we pay
2.13 Providing credit
2.14 Statements and Notices
2.15 Privacy and confidentiality
2.16 Inactive accounts
2.17 Disruption to service
2.18 Solving problems
2.19 Indemnity
2.20 Anti-money laundering and sanctions
2.21 Withholding
2.22	Australian Prudential
Standard 222 Disclosure
2.23	Supplemental terms and conditions
relating to Renminbi accounts and services

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Section 3: Electronic Banking Conditions of Use
3.1 Electronic Banking Conditions of Use
3.2 Transaction limits
3.3 How you can use ANZ Internet Banking
3.4 Access levels for ANZ Internet Banking
3.5 Processing instructions – general
3.6 Processing date
3.7 	Processing instructions– ANZ Internet Banking
3.8	Processing instructions – local transfer
and international services
3.9 Processing instructions – BillPay service
3.10 Card validity
3.11 Lost or stolen cards, password or PIN
3.12 	Lost and stolen card and PIN –while overseas
3.13 Cancellation of cards or electronic access3.14 Withdrawal of electronic access3.15 	Your responsibility regarding your
ANZ card, password and PIN
3.16 Unauthorised transactions
3.17 Additional protection
3.18 Equipment malfunction
3.19 Liability under BillPay
3.20 	Changes to the Electronic Banking
Conditions of Use
3.21 	Changes to transactions made throughelectronic terminals
3.22 Printed transaction records
3.23 Third party services
3.24 General
3.25 EFTPOS
3.26 Maestro and Cirrus

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Section 4: Other things you need to know
4.1 Change of name and address
4.2	Our right to combine accounts andblock access
4.3 Closing your ANZ account51
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Section 5: Bank fees and charges

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Section 6: Customer Enquiries

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INTRODUCTION

DEFINITIONSIn these Terms and Conditions, ‘we’, ‘us’, ‘our’ and ‘ANZ’ refer
to ANZ Bank (Samoa) Limited.

The following definitions apply unless otherwise stated:

Read your product terms and conditions
You should read all relevant terms and conditions you havereceived and ask us about any issues that concern you.
If you have any questions or need more information about
any ANZ account, ask at any ANZ branch, or enquire via
Bank Mail if you’re registered for ANZ Internet Banking,or phone our Call Centre on +685 69999. Details of how
to contact us and hours of availability can be found on
anz.com/samoa.

“account” means an account to which these Terms andConditions apply, being those listed on the front cover ofthis booklet, and include those which can be operated by
an ANZ Card and PIN issued by ANZ where the accountholder has nominated for use in this way.
“account holder” means the person or persons inwhose name the account has been opened and who is
responsible for the account under the relevant accountsignature mandate. If there is more than one accountholder, then “account holder” means all of them and eachof them individually.

APPLYING THESE TERMS AND
CONDITIONS“ANZ” means ANZ Bank (Samoa) Limited, and its successors
and assigns.

If you are opening a new account, these Terms andConditions will apply immediately.

“ANZBGL” means Australia and New Zealand Banking
Group Limited (ABN 11 005 357 522) and its transferees,
successors and assigns.

Other terms and conditions, including those implied by law,also apply. To the extent permitted by law, these Terms andConditions shall prevail in the event of any inconsistency.
If the law implies terms and conditions which cannot
be excluded, ANZ’s liability under those implied terms
and conditions will be limited to the maximum extent
permitted by law.
Part or all of any provisions of these Terms and Conditions
that are illegal or unenforceable may be severed from theseTerms and Conditions and the remaining provisions ofthese Terms and Conditions remain in force.

ACCEPTING THESE TERMS AND
CONDITIONS
You are deemed to accept these Terms and Conditions on
the earlier of the date on which you first use your accountor the date on which you otherwise accept these Terms andConditions in a manner advised by ANZ from time to time.

“ANZ Card” means a card issued by ANZ to you which canbe used to operate an account at an electronic terminal
in Samoa.
“ANZ Group Member” means ANZ and each ofits branches, representative offices, regional offices,
subsidiaries, affiliates, related entities, employees, officers
and agents, in any country.
“ANZ Internet Banking” means banking services provided
via the Internet and accessible at anz.com/samoa.
“ANZ working day” means any day from Monday to Friday
on which ANZ is open for business in at least oneof itsbranch locations in Samoa (not including public holidays).
“ATM” means automated teller machine.
“authorised operator” means the person or persons who
are authorised to operate the account under the relevant
account signature mandate.
“Bank working day” refers to any day on which Banks in
Samoa are able to effect settlement through the Central
Bank of Samoa.

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“Bank Mail” means the electronic messaging service thatallows us to communicate with you by email within our
secure Internet Banking system“writing” means a physical document, and where it
conveys an authority must be signed by you or your legallyauthorised representative.

“BillPay service” means the electronic payments service
through which ANZ can be asked to make payments on
your behalf to billers.

“you” or “your” means as the context requires, the accountholder or authorised operator and where applicable alsomeans the account holder or authorised operator who
has been issued with an ANZ Card by ANZ at the accountholder’s request, to operate an account.

“EOM” means end of month.
“Electronic Banking Conditions of Use” means Section 3of these Terms and Conditions.
“electronic terminal” means any terminal or device inwhich an ANZ Card and PIN issued by ANZ to you can beused and authorised by ANZ for such use. This includes:• any of ANZ’s branch teller terminals;• any of ANZ’s automatic teller machines;• automatic teller machines (ATMs) of other selectedbanks and financial institutions;

ERROR OR DISPUTE RESOLUTIONPROCEDURE
If you believe that an error has occurred in any transaction,
the account holder should contact ANZ promptly on thetelephone numbers listed at the back of this booklet or byvisiting your nearest ANZ branch.
To assist with ANZ’s investigations, you will need to provide
the following information:• Point of Sale (POS) terminals;• your name address, card number and account details;• Electronic Funds Transfer at Point of Sale (EFTPOS)• details of the transaction in question; andterminals;• any other authorised terminal or device connected to
ANZ’s electronic banking system from time to time.
“law” means any law, legislation, regulation, order or noticeof any court or governmental body, prudential requirement
or licensing requirement, in force in Samoa.
“Local Transfer Processing Day” means any day
from Monday to Friday that is not a public holiday in
Samoa.
“merchant” means a provider of goods or services who
has an electronic terminal.
“PIN” means Personal Identification Number – that is, thecode of numbers or letters issued with an ANZ Card by ANZ
to operate an account through electronic terminals.
“Terms and Conditions” means the Terms and Conditions
contained in this booklet.

• the amount of the suspected error or disputed
transaction.
If you inform ANZ verbally, ANZ may require you to send thecomplaint or enquiry to ANZ in writing within 10 days.

NOTICES AND AGREEMENTS
Unless ANZ agrees otherwise:• all nominations made and notices given by you under orin relation to your account or these Terms and Conditions
must be in writing and received by ANZ to be valid;• any agreement between ANZ and you under or in
relation to these Terms and Conditions must be in writing
to be valid;• any fax indemnity and email indemnity on terms
acceptable to ANZ must be signed to be valid.

“Username” means the Customer registration number
issued by us to you for ANZ Internet Banking.

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SECTION 1:
HOW TO OPEN AN ANZ ACCOUNT
1.1		

How to open an ANZ account

ANZ shall have the sole discretion as to the opening of
any account. In accordance with the law, any person
opening a new account, including authorised operators,
must be identified and verified by ANZ. The person mustalso comply with ANZ’s requirements for identificationand verification.
1.2		

Identification

Under the Samoan Government law, we must verify theidentity of all account holders, and anyone authorised toact for them. For us to do this, account holders and anyone
authorised to act for them must satisfactorily meet ANZ’s
Customer Identification Process.
Two of the documents provided must include yourphotograph or signature. If you want more informationon the documents you can use as proof of your identity,
please ask a member of staff at any ANZ branch. If you
want to open an account and you have completed theidentification process with ANZ previously, you will needto tell us the account number of your ANZ account and thename of the branch where identification was presented.
1.3		

Government charges

All government charges, duties, taxes, levies or obligations
whatsoever charged or falling due in connection with theoperation of your account are debited from your accountand shown on your account statement.
1.4		

Joint accounts

Where your account is held jointly with one or more
persons, the following shall apply:• ANZ can provide account statements, notices,
correspondence and other documents to any one of
the account holders (whether by sending them by post,or by collection from ANZ’s branch, online through
ANZ Internet Banking or otherwise under special
agreement with ANZ);• if ANZ provides an account statement, a notice,correspondence or any document to any one of thejoint account holders, it will be considered to have been
received by all account holders; and10• if an account holder dies, ANZ will treat the balance of
the account as owned by the surviving account holder(s),unless ANZ is required or permitted to do otherwise
by law.
1.5		

Trust accounts

Trust accounts can be opened on request in thefollowing ways:• where one or more persons opens an account in which
they are named as trustee for another person(s). For
example a trustee account held by parents for children;• by trustees under a will; or• by trustees for clubs and other organisations.
1.6		

Term Deposit

ANZ Term Deposits will be opened within one (1) ANZ
working day from the date of receipt of your written
instruction to ANZ. ANZ Term Deposits shall have aminimum amount and minimum period which ANZ maychange from time to time without prior notice.
For each ANZ Term Deposit placed with ANZ, a Term
Deposit Certificate will be issued stating the principal
amount deposited, maturity date, annual interest rate,interest payment frequency and interest payment method.
Unless ANZ receives written instruction from you within ten(10) ANZ working days upon the maturity of each ANZ Term
Deposit period, the principal amount and interest earned
for the ANZ Term Deposit period shall be successively rolled
over for the same period at ANZ’s prevailing interest rate.
1.7		

Non residents

Where you transact or open an account in a jurisdiction
where you are not a resident, you may be exposed toadditional risk. For example, the jurisdiction may besubject to rules which may offer different or diminishedinvestor protection than in your country of residence. Your
local regulatory authority will also be unable to compel
the enforcement of local rules in other jurisdictions
where your transactions have been effected. Before youtransact or open an account in another jurisdiction, you
should familiarise yourself with any applicable laws inthat particular jurisdiction, and consult with your own
professional advisers as may be necessary.

11Different jurisdictions may also decide to impose exchange
controls or other limitations or restrictions. This may cause
payments to be made to you in the local currency insteadof the original invested or deposited currency. This may
also result in the inability to perform outward remittancesof funds from such a jurisdiction, which can affect thevalue of your investment or deposit or your ability to enjoy
its benefit.

SECTION 2: USING AN ANZ ACCOUNT
2.1		

Authority to use an accountAt the time of opening your account, the accountholder must nominate the persons who are authorised
to operate the account. Except where expressly agreed
otherwise by ANZ, ANZ can act at all times on the basisthat the authorised operator or operators can act fullyand effectively in all dealings, matters and transactions(including withdrawals) in respect of the account.
The account holder is liable to ANZ for all liability that isincurred as a result of operations on the account. If theaccount holder holds the account jointly with one or moreother persons then each of you is jointly and severally
liable to ANZ for all operations on the account. If theaccount holder wishes to alter the account authorisation
instructions, then the account holder must notify ANZ
in writing. ANZ may refuse to open an account or accept
a nomination if the account holder or any authorised
operator do not comply with the law and ANZ’srequirements for identification and verification of accountholders and authorised operators.
2.2		

Deposits

Unless stated otherwise, you may deposit amounts into
your account in the following ways:• by arranging to have your salary or other income (suchas a government allowance or pension) paid direct toyour account;• in person at any ANZ branch, agency or selected
EFTPOS merchants;• by arranging an electronic credit via anotherfinancial institution;• by transferring funds using ANZ Internet Banking; or• at another bank (please note that the other bank may
charge a fee for this service).
ANZ may accept for credit into your account (unlessotherwise advised by ANZ), cheques, drafts, promissory
notes, bills of exchange, postal money orders and anyother instruments as ANZ may determine from time totime (Instruments).
All non-electronic deposits must be accompanied by awritten instruction.

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You must endorse and otherwise ensure that the required
particulars are included on the Instrument and the written
instruction prior to making a deposit with ANZ. ANZ is notbound to fill in any particulars which have been omitted
by you, and shall not be liable for any incorrect deposits
made as a result of your failure to check and complete all
required particulars on the Instrument and/or the written
instruction.

• where any deposit is at any time at your request
converted into another currency other than the currencyof the original deposit, the value of the deposit credited
into the account may diminish as a result of foreignexchange fluctuations.

ANZ may refuse to accept any deposits to your account if
ANZ is unable to satisfy itself as to the origin of funds. Any
deposits refused by ANZ will be returned to the depositor
or the remitting financial institution as determined by ANZ.

• you are fully aware of and understand the inherent risks
in a foreign exchange transaction.

2.3		

Currency

With respect to accounts denominated in local currency:• you may request withdrawals denominated in specificcurrencies, but ANZ reserves the right to make payment
in the currency in which the relevant account was
opened. Payments by ANZ may be made by cheque,credited to an account or as otherwise agreed.
• every payment received for an account in a currency
other than the currency in which the account isdenominated may be converted by ANZ at such rateof exchange as it determines into the currency of theaccount for credit to such account and you shall bear thecost of such conversion.
• ANZ may execute currency exchange transactions on
your behalf. Unless otherwise agreed, the exchange rateapplicable shall be determined by ANZ.
With respect to foreign currency accounts, you
acknowledge that the operation of such account andclearing of cheques will be subject to any relevant rules
applicable to ANZ in respect of the foreign currency. Allsuch foreign currency cheques and monetary instruments
are accepted at the discretion of ANZ and are credited
subject to being paid. ANZ shall have no obligation toeither accept deposits or effect payments in cash insuch foreign currency notwithstanding the fact that you
may have such a foreign currency account. Any foreignexchange loss or other charges or expenses incurred by
ANZ in making payments in foreign currency shall be borneby you.
In addition to the above, you agree, confirm andacknowledge that:14• any increase or decrease in the value of the deposits as aresult of fluctuations in the exchange rate affecting suchcurrency will be solely on your account and risk.

• you have not received and/or relied on any
representation, warranty, undertaking or informationfrom ANZ and/or any of ANZ’s officers or employees inrespect of such risks.
If the country of origin of any currency restricts theavailability, credit or transfers of any funds in that currency,
ANZ has no obligation to pay, from any account, suchfunds in that currency. ANZ may (but shall not be obligedto) discharge its obligations with respect to such funds by
paying to you, at any time (if applicable, whether before
or after maturity), such funds in any other currency at any
exchange rate and in any manner as ANZ may determine in
its absolute discretion. You agree that such payment shallconstitute good, valid and complete discharge of ANZ’sobligation to you with respect to such funds.
Proceeds of any cash withdrawal may be available inforeign currency notes only if such notes are available
within ANZ and ANZ has sufficient foreign currency
notes for the purposes of meeting cash withdrawals fromaccounts, having regard to all other requirements andbusinesses of ANZ.
2.4		

Cheques

How long does it take for a cheque to clear?
Deposits other than cash, such as cheques and other paper
Instruments will not be credited to your account until they
are cleared.
When you pay a cheque into an account, ANZ may inits discretion allow you to draw on the cheque before it
has cleared.
What if your cheque is dishonoured?
We will take the amount of the cheque from your account.

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When might a cheque be dishonoured or payment
refused?
At ANZ’s discretion, ANZ may dishonour or refuse paymentof a cheque in various circumstances. This includes, but is
not limited to the following:• if there are insufficient funds in the account of
the drawer;• if the cheque is incorrectly completed or unsigned;• if the cheque is more than 12 months old;
• if the cheque is future dated;• if the cheque has been materially altered and thealteration has not been signed;• if there is legal impediment to payment;• if the cheque has been stopped;• if the signature on the cheque does not match thespecimen signature recorded in your account details
with ANZ;• ANZ suspects the cheque is forged;• ANZ suspects you of being fraudulent or engaging ininappropriate behaviour; or• the paying bank has been notified of the mental
capacity, bankruptcy or death of the drawer.
What if a cheque or my cheque book is lost or stolen?
You should keep your cheques and cheque book safe at
all times.
If a cheque is lost or stolen, you must do the following:• if a cheque made payable to you is lost or stolen, youmust tell the person who wrote the cheque;• if a cheque you have written is lost or stolen, you must
ask us to stop the cheque and you must tell the person
to whom the cheque is payable;• if your ANZ cheque book is lost or stolen, tell us to put
a stop on the cheques in that cheque book. If you thenfind the cheques, you cannot use them until you havegiven us written authorisation.
If you don’t tell us immediately, that your cheque bookhas been lost or stolen, you may be liable for transactions
incurred by you before you notify us, even if they are madewithout your authority.

16‘Crossed’ cheques
A cheque with two parallel lines across it is a ‘crossed
cheque’. A crossed cheque must be paid into an accountwith a bank or other financial institution. It cannot
be cashed.
‘Not negotiable’ cheques
If the words ‘not negotiable’ are written between the twoparallel lines on a crossed cheque, this protects the true
owner of a cheque that is lost or stolen by making sure thatthe recipient of a cheque obtains no better rights to thecheque than the person who passed the cheque.
For example, if your cheque has been stolen and the thiefpasses it on to an innocent person, you will be able torecover the amount paid on your cheque from the innocent
person (or the thief if they are found). This is because thethief had no right to the cheque and so passed no rights toit on to the innocent person.
‘Account payee only’
If you write these words on a cheque, you are directing
the bank collecting the cheque to pay the cheque into theaccount of the person named on the cheque only.
‘Or bearer’ and ‘or order’If the words ‘or bearer’ are on a cheque, a bank may pay
the cheque to anyone who has it, not only the person it
is made payable to. If you delete these words, the chequebecomes an ‘or order’ cheque. With an ‘or order’ cheque, if
the payee wants to transfer it to another person, they mustfirst sign the back of the cheque.
Cashing a chequeIf you, as the drawer, want to cash a ‘crossed’ or ‘notnegotiable’ cheque at your branch, always write ‘Please pay
cash’ instead of a name at the top of the cheque, and signin full underneath (do not just write your initials). You alsoneed to sign in full in the space for your signature.
If you want to cash a cheque at another branch, you willneed to provide two forms of identification:• one form must be photo ID, such as your driver’s license;• one can be your ANZ card linked to your account.

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Cheques made payable to someone else
If you try to pay in or cash a cheque that is, or appears tobe, made payable to, or belong to someone else, we may
refuse to accept that cheque, refuse to cash that chequeor set some conditions that you must meet before we
accept it.

As an ANZ account holder, you can buy a bank cheque for afee. We can dishonour a bank cheque if:• the bank cheque is forged or counterfeit;• the bank cheque has been altered;• fraud or another crime has been committed;

Stopping a cheque• we have been told that the bank cheque has been lostor stolen;

Provided that a cheque has not been presented for
payment, you may stop a cheque that you have written bytelling ANZ the following:• there is a court order restraining us from paying abank cheque;• amount of the cheque;• number and date of the cheque; and• name of the payee.
If you have lost a cheque you received from someone else,
notify that person so they may stop the cheque.
Tips for cheque security• don’t leave gaps between words;• when writing out the amount in words, start as close as
possible to the left-hand side and write ‘only’ at the endof the amount;• when writing out the amount in figures, start as close as
possible to the dollar sign;• never write out a cheque in pencil, or in ink that can beerased (rubbed out);• do not sign a cheque until it is all filled out;
• always write the amount in words as well as figures; and• check your bank statements regularly to make surethe amounts taken from your account agree with theamounts shown on the cheque book stubs.
Bank chequesBank cheques are cheques instructing payment from thebank itself rather than from a customer’s account. They
are designed to provide an alternative to carrying large
amounts of cash when personal cheques will not be
accepted. Bank cheques are usually asked for because thereis less chance of them not being honoured. However, bankcheques should not be considered to be an equivalent
to cash.

18• we have not received the fee or value for the bankcheque; or• the bank cheque is presented by a person who is notentitled to the cheque proceeds.
If a bank cheque we have issued is lost or stolen, we will, in
certain circumstances, provide a replacement cheque for afee. We may also require you to sign an indemnity form.
2.5		

Withdrawing or transferring money

ANZ Term Deposits have specific terms and conditions forwithdrawing or transferring money. ANZ Term Deposits
may not be withdrawn in whole or in part before maturity
unless otherwise agreed by ANZ, at its discretion and onsuch terms as ANZ may specify, including but not limited
to the imposition of charges for early withdrawal. If ANZ
agrees to the early withdrawal of an ANZ Term Deposit,
ANZ shall have no obligation but may, at its discretion,
pay interest for such periods and at such rates that ANZ
determines, less any other charges ANZ may impose.
The specific fees and charges are stated in the ‘ANZ Fees
and Charges Customer Banking Services’ which is subject
to change from time to time.
Unless noted otherwise, you may withdraw money fromyour account, as long as enough funds are available, in thefollowing ways:• over the counter at any ANZ branch;• by electronic debit, for example standing order (unless
you have an ANZ passbook account);• by cheque, if you have a cheque book for your account;19• if you have an ANZ card linked to your account:– over the counter at an ANZ branch;

Any transaction made after these cut-off times may beprocessed on the following ANZ working day.

• via non-ANZ ATMs; orIf a Standing Order is due to be paid on, or on the day after
a non ANZ working day, the payment will be made on thepreceding ANZ working day, unless the payment falls on
the first day of the month, or unless you ask us to make thepayment on a different date.

• by arranging an electronic debit, for example a recurringtransaction or standing order to be paid directly fromyour account.

If you make a deposit at another bank or financial
institution, there may be a delay of several days before thatamount is shown in your account.

Please note, if you make a withdrawal or balance enquiry
at a non-ANZ ATM within Samoa, the ATM operator may
charge you a fee. These transactions do not count towards
the number of free transactions you may be entitled to.

2.8		

– at an ATM which accepts the card; and– through an EFTPOS terminal.
• by ANZ Internet Banking;2.6		 Stopping or altering payments for 		
		Standing Orders
A Standing Order is a debit from your ANZ account, which
you instruct ANZ to make to the account of anotherperson or business or to yourself between ANZ accounts
in your name.
If the Standing Order facilities are available to your account,
you can:• arrange for a Standing Order to be stopped if you notify
ANZ in writing before the payment is made;• arrange for payment of a Standing Order to be altered if
you notify ANZ in writing at least two (2) ANZ working
days before the payment is made; or• cancel a Standing Order facility at any time by notifying
ANZ in writing.
Speed is important
You may notify us of your request to stop a Standing Orderby phoning +685 69999 or by visiting an ANZ branch.
If you phone us, we may ask you to also send us written
confirmation of your instruction to stop the Standing Order.
2.7		

Processing withdrawals and deposits

Generally, any withdrawal, deposit or transfer made on
your ANZ account will be processed to your account on thesame day provided that it is made before:

Payment procedures and insufficient funds

ANZ reserves the right to pay transactions presented
for payment in any order that ANZ chooses. Where thetransactions presented for payment exceeds the funds
available for payment in the account, ANZ has discretion as
to whether or not it will pay the funds. ANZ will not partially
pay a payment.
2.9		
		

Changes to fees, charges, interest rates andthese Terms and Conditions

You agree that:• ANZ may in its discretion at any time amend these Terms
and Conditions, the fees and charges and the interest
rates applicable to your account; and• any amendment of these Terms and Conditions, the fees
and charges and/or the interest rates applicable to youraccount, will apply immediately after you receive, orare deemed under these Terms and Conditions to havereceived notice of them.
You agree that to the extent permitted by law, ANZ may
notify you of changes to your account, fees, charges, interest
rates or these Terms and Conditions by notice displayed:• in any of ANZ’s branches;• on ANZ’s website; or• by advertisement in major daily or national newspapers.
You will be deemed to have received the notice
immediately after any such display or advertisement.

• 3.30pm Monday to Wednesday (excluding public
holidays); and• 4.00pm Thursday to Friday (excluding public holidays).

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2.10

Amounts owing

You agree that ANZ may debit directly from your accountany amount that you owe to ANZ, including but not limited
to, interest, discount rates and other expenses.
2.11• at any ANZ branch; or• by visiting our website at anz.com/samoa.
ANZ Term Deposits have specific terms relating to interestas stated in your Term Deposit Certificate.
Working out the interest we pay

We will work out interest on the balance of your account at
the end of each day. We will work out the daily interest at a
rate equal to the annual rate divided by the number of daysin that year (usually 365, but 366 in a leap year).
Some accounts have tiered rates of interest, and others
have banded rates of interest.
• a tiered rate means you will earn different rates of interest
depending on the balance of your account. If youraccount balance is above a certain level, we will pay ahigher rate of interest on the whole balance;• a banded rate of interest means that different rates
of interest apply to different parts of your accountbalance. For example, the interest we pay on the partof your balance between $10,000 and $20,000 may bedifferent from the interest we pay on the first $9,999 of
the balance.
Interest accrued on Deposit Accounts: Interest is
calculated on the minimum monthly balance & credited
to the account on a monthly basis. Interest may also not
be payable if the account balance does not meet theminimum amount required, for example, if the minimum
balance for a product is $500 and at the end of the month
the balance does not reach $500 then no interest will be
paid on the balance.

22

Interest Calculation

Pacific Saver

Interest calculated on daily balance &credited to the account on a monthly
basis. Bonus interest is credited only
if the minimum monthly deposit is
met and there are no withdrawals
performed for the month.

Priority CashManagement
Account

Interest calculated on daily balance
based on a tiered rate & credited tothe account on a monthly basis.

Interest

ANZ shall pay interest on the account in accordance with
its prevailing rates and in accordance with its standard
procedures from time to time. You can get details of current
interest rates applicable to your account:

2.12

Products

ANZ Term Deposit interest will be calculated based on thedeposit amount, interest rate and term deposit period as
indicated on your Term Deposit Certificate. The interest
will be calculated at the annual interest rate divided by the
number of days in that year (usually 365, but 366 in a leapyear). For ANZ Term Deposits withdrawn early, payment ofinterest (if any) will be at the discretion of ANZ and will becalculated based on the interest rate determined by ANZ.
2.13

Providing credit

In the absence of any express agreement between ANZ andyourself to provide credit in respect of your ANZ account(for example through an overdraft facility), and you request
a withdrawal or payment from your account which would
overdraw your account, ANZ may, in its discretion, allow thewithdrawal or payment to be made on the following terms:• interest will be calculated daily on the overdrawn
amount and charged to your ANZ account on the lastbusiness day of each month at the overdrawn accountinterest rate applicable and determined by ANZ at thetime in which you overdraw your account;• an unarranged overdraft fee may be charged for ANZ
agreeing to honour the transaction which resulted in theoverdrawn amount;• the overdrawn amount, any interest on that amount andthe unarranged overdraft fee will be debited to youraccount; and• you must repay the overdrawn amount and pay any
accrued interest on that amount and the unarranged
overdraft fee upon demand by ANZ.

23

2.14

Statements(1) Collection of information

Account statements will be available for all accounts except
for ANZ Term Deposits. Account statements for ANZ Term
Deposits will only be available at the end of the term.

ANZ may use and disclose the information we collect about
you for the following purposes:

Account statements for all accounts listed at the front of
this booklet, except for ANZ Term Deposits, will be issued
by ANZ to you on a daily, fortnightly or monthly basis aselected by you.

(b) to consider your request for a product or service;

You agree that any statements issued by ANZ to you otherthan for regular account statements, such as multiple
statements, duplicate copies of statements, instant statement
or prior statements or otherwise are subject to a printing fee.
ANZ will post account statements to you at the address thatyou have nominated unless you have elected to receive
your statements online through ANZ Internet Banking, orentered into a special agreement with ANZ for collectionof them from ANZ’s branch, or to be sent by facsimile oremail at the facsimile number or email address that you
have nominated.
For all other correspondences, notices and otherdocuments which ANZ must inform you in writing, ANZ
will, at its own discretion, mail, fax or email them to you at
the address, facsimile number or email address that you
have advised ANZ at the account opening process.
You will be deemed to have received the accountstatements and other correspondences from ANZ:
• in the case of delivery by post, on the date two (2)business days after posting;• in the case of facsimile, on the day of dispatch; and• in the case of an email or a message via Bank Mail or anelectronic statement, on the day of dispatch or posting.
If you think there are mistakes or unauthorised or disputed
withdrawals or payments shown on your statement,
contact us immediately. Details of our dispute resolution
procedures are set out in section 2.18.
2.15

Privacy and confidentiality

When you deal with ANZ, we may collect and use some ofyour information, including details about your transactions,
your financial conditions, your relationship with us and/or your facility/ies (collectively referred to as information).
We explain below when and how we may collect, use anddisclose your information.
24(a) to provide information about a product or service;(c) to provide you with a product or service;(d) to tell you about other products or services;(e) to perform internal administrative, operational
and technology tasks (including technology
infrastructure maintenance and support,
application maintenance and support, risk
management, systems development and testing,credit scoring, staff training and market, customer
satisfaction research and business continuity
management);(f) to prevent or investigate any fraud, unlawful
activity or misconduct (or suspected fraud,
unlawful activity or misconduct);(g) as may be required under laws and/or byagreements with government agencies or revenue
authorities, whether inside or outside of thecountry where your facility/ies is provided and heldwith us, to make inquiries about your tax status;
and(h) as required by relevant laws and external payment
systems, whether inside or outside of the country
where your facility/ies is provided and held with us.
(2) Disclosure of information by ANZ
By applying for and/or continuing to use the facility/ies
provided by us, you acknowledge and agree that any
information that ANZ has collected or will collect from orabout you from time to time may be disclosed to and/orcollected, held, processed, stored in electronic or virtual
data storage, or used, in whole or in part, in any country by
the following persons:(a) any ANZ Group Member;(b) any outsourced provider, contractors, agents,
auditors and advisers which ANZ or any ANZGroup Member engages to carry out or assist withits banking functions and activities (for example
mailing houses, credit reporting or debt collection
agencies);25

(c) regulatory bodies, government agencies, revenue
authorities, law enforcement bodies and courts,
whether inside or outside of the country where
your facility/ies is provided and held with us, forthe purposes of complying with any law and/or disclosure obligations we may have underan agreement with such bodies, whether thedisclosure is made directly or through any ANZGroup Member;(d) other parties ANZ Group Members are authorised
or required by law to disclose information to;(e) participants in the payments system (including
payment organisations and merchants) and otherfinancial institutions (for example banks);(f) insurers and reinsurers;(g) your representative (for example your legal adviser,mortgage broker, attorney or executor);(h) any person, which in ANZ’s view, the disclosure isnecessary or desirable for the purpose of allowing
us to perform our duties and to exercise ourpowers and rights under this agreement; or(i) any person with your prior written consent.
2.16

Inactive accounts

Dormant Account: If your account has a credit balance andyou have not operated your account for twelve (12) months,
your account will be deemed by ANZ as a dormant account.
Customers will also be required to undergo an identification
process if they wish to reactivate their dormant accounts.
Unclaimed Monies: If your account has a credit balanceand you do not operate your account for 10 years andyour money has not been claimed by you or your legal
representative within that period, ANZ is required by law tosend your money to the Government under the Unclaimed
Money’s Act. You also authorise us to otherwise deal withsuch unclaimed monies as required by law.

26

2.17

Disruption to service

A ‘disruption’ is where a service is temporarily unavailable orwhere a system or equipment fails to function in a normal
or satisfactory manner. ANZ will correct any incorrect entry
which is made in your account as a result of a disruption
and will adjust any fees or charges which have been
applied as a result of that incorrect entry.
To the maximum extent permitted by law, ANZ will not beliable for any loss or damage, including consequential loss
or damage, suffered because of a disruption.
This disclaimer is in addition to, and does not restrict, anyother provisions contained in these Terms and Conditions
which limit ANZ’s liability.
2.18

Solving problems

Step 1 Service & Sales Team
Our customer service and sales team is your first point ofcontact for raising concerns or providing feedback. Talk to
our staff at your local ANZ Branch, Corporate & Commercial,Business Centre or our Call Centre and they will do theirbest to help resolve any issues you may have.
• find your nearest ANZ branch, ATM or Business Centre on
anz.com/samoa• call our Call Centre on +685 69999.
Step 2 ANZ’s Customer Advocate
If you are not satisfied with the resolution offered by
our Service & Sales Team, you can have your complaint
reviewed by ANZ’s Customer advocate who provides a free,independent review to reach a resolution that is fair to you
and ANZ.
Contact details:
Manager Customer Advocacy
Mail: Beach Road, PO Box L1855, Apia, Samoa
Phone: +685 69965

27

Governor – Central Bank of Samoa
If you are still not satisfied with the steps taken by
ANZ to resolve the complaint, or with the result of ourinvestigation, you can contact the Governor of the Central
Bank of Samoa.
Governor of CBS
Central Bank of Samoa Building
Matafele
Apia
Samoa
Phone: +685 34100
Fax: +685 24058
Email: centralbank@cbs.gov.ws
2.19

Indemnity

Each account holder and person authorised by an accountholder, discharges and indemnifies us from and against all
actions, proceedings, accounts, claims, demands, losses
and damages arising from or in any way relating to us ingood faith:• acting on instructions received by mail or electronicmeans (whether by facsimile, telephone, Internet, ATM
or EFTPOS) which are, or are purported to be, given orsigned by the account holder, the adviser, an authorised
representative, an authorised user or an authorised third
party signatory or, in the case of joint account holders, by
any of them; and• releasing information about you or the accountto anyone who is, or appears to be, authorised toreceive that information (including any authorised
representative or third party signatory appointed by
the account holder).
2.20

Anti-money laundering and sanctions(1) You agree that ANZ may delay, block or refuse toprocess any transaction without incurring any liability if
we suspect or have reasonable grounds to suspect that:

imposed by any supra-national organization, official
body, the United States, the United Nations, theEuropean Union or any country; or(c) the transaction may directly or indirectly involve
the proceeds of, or be applied for the purposes of,
conduct which is unlawful in any country.
(2) You must provide all information to ANZ which wereasonably require in order to manage our moneylaundering, terrorism-financing or economic and trade
sanctions risk and to comply with any laws in relation
to these.
(3) Unless you have disclosed that you are acting in atrustee capacity or on behalf of another party, youwarrant that you are acting on your own behalf inentering into these Terms and Conditions. If you areacting on behalf of another party (such as a trustee),you agree to provide the details of the beneficial ownerof the funds to ANZ, as may be required by ANZ fromtime to time.
(4) You declare and undertake to ANZ that the processingof any transaction by ANZ in accordance with yourinstructions will not breach any laws.
2.21

Withholding

ANZ may be required to withhold on payments to certain
account holders, and pass such amounts to a local orforeign government agency or revenue authority, by law or
under an agreement with such authorities.
If at any time any local or foreign government agency orrevenue authority requires ANZ to make a deduction orwithholding on any payment due to you, you agree toimmediately reimburse ANZ for the amount of any suchdeduction or withholding, including authorising ANZ
to deduct such amounts from your account. You will
indemnify ANZ against any loss ANZ suffers or cost ANZ
incurs as a result of such deduction or withholding.

(a) the transaction may breach any law;(b) the transaction involves or may involve any person(natural, corporate, governmental, trust, partnershipor any other person) that is itself sanctioned or isconnected, directly or indirectly, to any person thatis sanctioned under economic and trade sanctions

28

29

2.22 Australian Prudential Standard 222 				Disclosure
ANZ is a subsidiary of Australia and New Zealand Banking
Group Limited (ANZBGL), which is incorporated in Australia.
ANZ is incorporated and licensed in Samoa with limited
liability. ANZ is not an authorised deposit taking institution
within the meaning of the laws of Australia. Deposits or
liabilities with ANZ are not deposits or other liabilities
of ANZBGL and ANZBGL is not required to meet the
obligations of ANZ.
2.23
		

Supplemental terms and conditions relating
to Renminbi accounts and services

Renminbi currency risk
(1) Renminbi (“RMB”) is subject to exchange rate risk
and is currently not freely convertible. Fluctuations in
exchange rates could adversely impact the amount ofinterest earned (if any) on RMB accounts. Provision of
Renminbi conversion and other services through or bybanks in Samoa is subject to the relevant regulatory
and other policy requirements and restrictions
applicable to Renminbi related activities and services(as may be changed from time to time). Any withdrawal
from a Renminbi account (unless transferred to anotherRenminbi account) shall be by way of foreign exchange
conversion into local currency (or such other currency
as agreed to by ANZ) at ANZ’s prevailing exchange rate.
If any conversion of currency takes place, the returns on
the Renminbi account would depend on the prevailingexchange rate.
(2) ANZ may, at your request, agree to provide Renminbi
services to you on such terms and to such extent as
ANZ may decide from time to time. The provisions of
this clause 2.24 (“Supplemental Terms”) shall apply tosuch services. For the purposes of these Supplemental
Terms “RMB” means Renminbi that is traded offshore
and governed by the rules and regulations imposed by
the Hong Kong Monetary Authority (“HKMA”).
(3) In opening an RMB account with ANZ, you agree to bebound by the Terms and Conditions including these
Supplemental Terms (the Terms and Conditions and theSupplemental Terms are collectively the “RMB Terms
and Conditions”). If there is any inconsistency between
the Terms and Conditions and the Supplemental Terms,

30

the Supplemental Terms shall prevail to the extent ofsuch inconsistency.
(4) All RMB services agreed to be provided by ANZ toyou (including but not limited to RMB exchange andremittance services) and the operation of any RMB
denominated account are subject to:(a) the RMB Terms and Conditions, and any otherspecific terms and conditions governing therelevant RMB accounts or services (as amended
from time to time);(b) the applicable laws, rules, regulations, policies andguidelines issued or imposed by any regulatory
authority, government agency, clearing or
settlement bank or agent, or professional bodygoverning RMB related activities and services fromtime to time (“Applicable Provisions”); and(c) the internal policy of ANZ at the material time.
(5) Without limiting the provisions of subsection (4) andin connection with any transactions denominatedin RMB cleared or settled through the RMB clearing
and settlement system established in Hong Kong you
acknowledge and agree that the operation of the RMB
clearing and settlement system will be subject to:(a) any agreement for clearing and settlement of RMB
in Hong Kong entered into between ANZ and any
clearing bank or agent as amended from time totime (“Settlement Agreement”);(b) the Renminbi Clearing House Rules; and(c) the Renminbi Operating Procedures, (collectively
the “Settlement Rules and Regulations”), as thesame may be modified from time to time.
(6) You acknowledge and agree that, if there is any
inconsistency between the RMB Terms and Conditions,
any internal policy of ANZ, the Applicable Provisions
and the provisions of the Settlement Rules andRegulations, the order of priority for the purpose of
construction is as follows:(a) the Settlement Rules and Regulations;(b) the Applicable Provisions;(c) the RMB Terms and Conditions and(d) any internal policy of ANZ.

31

(7) You acknowledge and agree that, without prejudice
to sub-section (6), the HKMA shall not owe any duty or
incur any liability to you in respect of any claim, loss,
damage or expense (even if the HKMA knew or oughtreasonably to have known of your existence) of any
kind or nature whatsoever arising in whatever manner
directly or indirectly from or as a result of:(a) anything done or omitted to be done by the HKMA
bona fide or by the settlement institution of the
RMB clearing and settlement system, Hong Kong
Interbank Clearing Limited, any Member (as definedin the Renminbi Clearing House Rules) or any otherperson in the management, operation or use of
the Clearing House (as defined in the Renminbi
Clearing House Rules) or the Clearing Facilities (asdefined in the Renminbi Clearing House Rules) or
any part of them; and/or(b) by the giving of any consent, notice, advice orapproval in relation or pursuant to the Renminbi
Clearing House Rules and the Renminbi Operating
Procedures referred to therein (as the same may be
modified from time to time).
(8) The RMB Terms and Conditions and information(including fees and charges) applicable to yourRMB account and services may be determined andamended by ANZ from time to time and are at all times
subject the Applicable Provisions and the Settlement
Rules and Regulations (as amended from time to time).
(9) You acknowledge and agree that ANZ is entitled to:• revise, vary or amend the RMB Terms and Conditions
or introduce additional terms and conditions
applicable to your RMB account and services inaccordance with the notification methods prescribedin the Terms and Conditions in relation to additionalterms and amendments;and services (as amended from time to time),
without prior notice to you; and• at its discretion, close any RMB account that you
hold with ANZ and either issue a bank cheque inlocal currency (or such other currency as determined
by ANZ) at ANZ’s prevailing exchange rate of theoutstanding balance or transfer the remainingbalance to another of your accounts with ANZ
without prior notice if a breach of the RMB Terms andConditions has occurred, or with at least 7 days priornotice (or such shorter notice as ANZ may determine
in its discretion) to you if breach of the RMB Terms
and Conditions has not occurred;• (but is not obliged) reject to process or execute anytransaction instructions which may, in ANZ’s opinion,
constitutes a breach of any Applicable Provisions orother laws or regulations; and• to be fully authorised (but not obliged) to reject
any of your deposit/exchange/remittance orother transaction instructions if such transaction
is, in ANZ’s opinion, in violation of the Applicable
Provisions or the ANZ’s internal policies.
ANZ shall not be liable for any losses or other consequences
arising from or suffered by you as a result of any action
taken by ANZ under this provision and is, unless otherwise
specified, under no obligation to inform you prior to taking
any such action.
(10) You acknowledge and agree that ANZ is entitled
to report and disclose all and any transactions andinformation relating to you, your RMB account and/or services to the relevant regulatory authorities,
government agencies, clearing or settlement banks oragents, professional bodies as may be required by the
Settlement Rules and Regulations or the Applicable
Provisions without prior notice to you.

• terminate or cancel any RMB account or services
you hold with ANZ and/or transfer or convert any
amount in your RMB account if ANZ determines in
its discretion that you do not, or have not, fulfilled
and complied with the Applicable Provisions, theSettlement Rules and Regulations and the RMB
Terms and Conditions applicable to RMB accounts

3233

(11) ANZ may from time to time refuse or terminate theprovision of any Services relating to your RMB accountto you (including without limitation to decline any
withdrawal or deposit in cash of any amount from or toany of your RMB accounts, the remittance of RMB or theexchange of RMB into or from other currencies) without
giving any reasons, and without notice if a breachof these RMB Terms and Conditions has occurred,or with at least 7 days’ prior notice (or such shorter
notice as the Bank may determine in its discretion) toyou if breach of these RMB Terms and Conditions has
not occurred.
(12) All RMB services (including but not limited to exchange
and remittance services) are subject to the maximum
amount per customer per day, or the maximum
amount per transaction requirements imposed by ANZ
from time to time in compliance with the Settlement
Rules and Regulations (if applicable), the Applicable
Provisions and the RMB Terms and Conditions (as thesame may be modified or amended from time to time).
RMB savings and term deposits(13) You understand and agree that in order to open andmaintain a savings account or an ANZ Term Deposit in
RMB you must have a local currency account (or suchother account as may be agreed to by ANZ) with ANZ.
Deposits into or withdrawals from your RMB savings
account or RMB ANZ Term Deposit can only be madeby funds transfer between your RMB savings accountor RMB ANZ Term Deposit and your local currency
account. Any such deposits or withdrawals will be
converted at ANZ’s prevailing exchange rate. The
exchange rate may be the spot rate.
(14) Where ANZ is unable to provide a firm exchange ratequotation, ANZ shall effect the transaction on thebasis of a provisional exchange rate which shall be
subject to adjustment when the actual exchange rateis ascertained and any resultant difference shall bedebited/credited (as the case may be) to you throughyour local currency account or any account you havewith ANZ or by such other means as determined
by ANZ.

34(15) Deposit placement into any RMB account shall bevalued and effected on or around 2 Business Days
after the date the placement instruction is received by
ANZ or such other date as determined by ANZ fromtime to time. For withdrawal from any RMB ANZ Term
Deposit prior to maturity date, proceeds of the ANZ
RMB Term Deposit shall be valued and released on oraround 2 Business Days after the date the withdrawal
instruction is received by ANZ or such other date as
determined by ANZ from time to time. Any change ofmaturity instructions must be received by ANZ at least
2 Business Days before the maturity date, failing which
ANZ shall not be obliged to act upon such change. For
the purposes of this clause 15, “Business Day” means
any day on which banks in China, Hong Kong andSamoa are open for business and excludes Saturdays,
Sundays and gazetted public holidays.
(16) Interest (if any) is payable on the credit balance on yourRMB account at such rate as determined by ANZ fromtime to time.
(17) ANZ may from time to time set restrictions applicableto RMB accounts and related transactions, including
without limitation the setting of a cap for eachtransaction or account for a local (or other currency as
determined by ANZ) currency deposit.
(18) No overdrawing is permitted and no overdraft will
be granted.
(19) All inward remittances accepted by ANZ for crediting
to an account are subject to final payment andconfirmation from ANZ. ANZ is not required to remit
funds until they have been cleared.
(20) ANZ may from time to time determine the maximum
amount acceptable to ANZ for credit to RMB accounts
per day. The amount of the credit balance in the RMB
account at the cut-off time (as designated by ANZ
from time to time) on each day shall be subject to a
maximum amount as may be specified by ANZ fromtime to time. ANZ is authorised to transfer any excess
amount in your RMB account to any other permitted
accounts maintained by you with ANZ at any time
without prior notice to you.

35

(21) ANZ may provide advice to you in relation to the
RMB accounts and services. Notwithstanding this,
you acknowledge and agree that all decisions withrespect to entering into any transaction under the
RMB Terms and Conditions are yours. Any suchtransactions entered into by you shall be in reliance
upon only your own judgement and not in reliance ofany representations, suggestions, recommendations
or information (whether written or oral) by ANZ or anyof its employees or agents or any research produced
by ANZ or its affiliates. ANZ is not responsible or liable
for any losses which you may incur or suffer as a resultof, in connection with, or arising from any transaction
or service under the RMB Terms and Conditions,or information on investments or markets (such as
research reports, market trends, investment analysis orcommentary) provided to you in connection with suchtransactions or services.

SECTION 3: ELECTRONIC BANKING
CONDITIONS OF USE
3.1		

Electronic Banking Conditions of Use

This section applies to all electronic transactions except
those where your signature may also be required.
Unless the account services are provided or referred to you
by us, we do not authorise, promote or endorse the use ofaccount services offered by third parties to access your ANZ
accounts (including account aggregation services, such as
may be provided by other financial institutions).
3.2		

Transaction limits

ANZ or another party such as a merchant may limit
the amount of funds that are made available throughelectronic transactions, over any specific period of time fortransactions that require the use of an ANZ Card and PIN.
ANZ may change any electronic transaction limit or impose
new transaction limits by giving you notice. You can findout current electronic transaction limits for your accounts
by calling ANZ on the relevant enquiries number listed in
the final section of this booklet.
By default, your ATM daily limit is $1,000 SAT per ANZ Card.
This means that you can use your ANZ Access Card towithdraw a total of $1,000 SAT per day from the account(s)to which it is linked, provided your ANZ account(s) containsufficient funds.
There is no limit on the funds that you can withdraw
on your ANZ Card via EFTPOS facilities provided youraccount(s) contain sufficient funds.
3.3		

How you can use ANZ Internet Banking

You can use ANZ Internet Banking to make transactions
on your linked accounts, as set out in these Terms andConditions. You can also use ANZ Internet Banking tobuy and order a range of financial services and products.
You can get more details by visiting the website
at anz.com/samoa.

36

37

3.4		

Access levels for ANZ Internet Banking

Access Levels:• ‘value transactions and BillPay Service ’ - access every
function within ANZ Internet Banking for the accountincluding BillPay Service, account balance information,transaction history details, ordering a cheque/deposit
book, transfers between accounts, increasing a credit
card limit, redrawing on a home loan and direct loan
payments;• ‘non-value transactions’ - can only view information
about the account on ANZ Internet Banking.
Account holders aged 12 to 15 years, adults who have ajoint account with account holders aged 12 to 15 years,
and account signatories (no agents can be appointed) toaccounts held by customers aged 12 to 15 years may only
have restricted access levels for ANZ Internet Banking.
Only the account holder or account signatories can selectan access level. The account holder or account signatories
may authorise another person (an authorised user) to
operate the account and that person may have a different
access level to the account holder. The account holder
is responsible for the operation of the account by theauthorised user within that user’s level of access.
The account holder or account signatories may cancel orchange any access level by sending a written request or
Bank Mail to us, or phoning us on the relevant number
listed at the back of this booklet.
We may require written confirmation. We may take several
days to process this change.
3.5		

Processing instructions – general

The account holder authorises us to act on the instructions
you enter into electronic equipment. Any electronictransaction made by you cannot be cancelled, altered orchanged by you unless allowed by the applicable Terms
and Conditions.
We may delay acting on or may ask you for further
information before acting on an instruction. Where wehave instructions for more than one payment from youraccount(s), we will determine the order of priority in which
payments are made.
If you make a cash withdrawal from an account by making
an electronic transaction and there is a difference between

38

the amount of cash received and the amount shown on
the receipt, you must report this to us and to the merchant(if applicable) as soon as possible. You can make your report
to us by calling ANZ. See ‘Customer Enquiries’ section forcontact details or refer to anz.com/samoa. If you make adeposit of funds to an account by making an electronictransaction and there is a difference between the amountrecorded as having been deposited and the amount we
receive, the account holder will be notified of the difference
as soon as possible and will be advised of the actual
amount which has been credited to the account.
We are not liable for the refusal of any merchant to accept
an electronic transaction and, to the extent permitted bylaw, we are not responsible for the goods and services
supplied by a merchant.
ANZ may refuse to process any transaction that contravenes
any law or otherwise. We may notify you of electronictransactions we are unable to process.
You accept that:• not all electronic equipment from which cash can bewithdrawn will always contain cash;• any cash dispensed at electronic equipment is at yourrisk once it becomes visible or available for you to collect;• not all electronic equipment will allow you tomake deposits.
An immediate transfer, local transfer or BillPay cannot be
revoked or stopped once we receive your instruction.
Future dated transfer, local transfer or BillPay instructions
can only be revoked or changed if instructions to delete thetransaction are given to us through ANZ Internet Banking
before 4.30pm Samoa time on an ANZ working day (orin the case of a Local Transfer, prior to the Local Transfer
Processing day) before the transaction is scheduled tooccur. After this time, the instruction cannot be revoked.
3.6		

Processing date

Generally, any transactions made at ANZ ATMs and ATMs atother selected banks and financial institutions or EFTPOS
transactions will be processed to your account on the same
day provided they are made before:• 3pm Monday to Thursday (excluding public holidays);and39• 4pm Friday (excluding public holidays).
Transactions made after these cut-off times may beprocessed on the following ANZ working day.
3.7		 Processing instructions - ANZ Internet 				Banking
Any ANZ Internet Banking (other than a BillPay) will
generally be processed to your account on the same day
we receive your instructions, if given before 4.30pm Samoatime Monday to Friday (except national public holidays).
Any transaction made after this time may be processed on
the following ANZ working day.
Account information accessed using ANZ Internet Banking
will generally reflect the position of the account at thattime, except for transactions not yet processed by us(including uncleared cheques and unprocessed credit
card transactions) or cleared cheques and standing orders
processed by us that day.
3.8		 Processing instructions - local transfers and		international services
We will generally process local transfer instructions:• for immediate local transfers, on the day the instruction is
given, if we receive the instruction before 4.30pm Samoatime on any Local Transfer Processing Day;
• for immediate international transfers, on the day the
instruction is given, if we receive the instruction before
4.30pm Samoa time on a Local Transfer Processing Day;or
• for future dated transfers, on the relevant future day you
select if it is a Local Transfer Processing Day (or if it is not,on the Local Transfer Processing Day after that day).
Instructions you give will be delivered to the payee’s
financial institution on the day that we process them except
where:• we are not obliged to process your instructions;• there is a technical failure;• there is a delay or error in accepting the instructions
caused by the financial institution to which the transfer is
to be made; or• the instructions are for a transfer by way of atelegraphic transfer.

40

We cannot control (and are not responsible for) when, or if,
the payee’s financial institution processes your instructionsor the fees that financial institutions may charge to process
your instructions.
Once we process your transfer instruction, we are reliant
on the payee’s financial institution to advise whether
your instructions have been successfully processed. If
the payee’s financial institution advises that your transfer
instruction has not been successful, it may take a number
of weeks, depending on the financial institution, to reverse
the relevant withdrawal from your linked account.
3.9		

Processing instructions - BillPay service

BillPay is an electronic payments scheme through which we
can be asked to make payments on your behalf to billers.
For the purposes of the BillPay, we may also be a biller.
You must comply with the terms and conditions for theaccount which you ask us to debit a BillPay (to the extent
that those terms are not inconsistent with or expressly
overridden by these Electronic Banking Conditions of Use).
To make a BillPay the following information must be given
to us:• your username and password;• the biller code from the bill;• your customer reference number (e.g. your accountnumber) with that biller;• the amount you want to pay; and• the account from which you want the payment tobe made.
Once this information is provided, we will treat yourinstructions as valid and will debit the relevant account.
We will not be obliged to effect a BillPay instruction if it
is not made in accordance with these Electronic Banking
Conditions of Use, or if the information given is incomplete
and/or inaccurate.
Limits apply to your use of BillPay on both a per transaction
and daily limit (per username) basis.
Subject to the processing instructions conditions set
out above:• any BillPay made by you will be processed on the day you
tell us to make that BillPay, if we receive your instructions
before 4.30pm Samoa time on a bank working day (ANZ’s
cut-off time); and41

• BillPay instructions received after 4.30pm Samoa time
on a banking working day, or on a day that is not abank working day, will be processed on the next bankworking day.
A delay may occur in processing a BillPay where:• there is a public or bank holiday on the day after you tell
us to make a BillPay;• you tell us to make a BillPay after our cut-off time; or• another participant, such as another financial institution
or a biller does not process a payment as soon as it
receives details of the payment or does not otherwise
comply with its obligations under BillPay.
While it is expected that any such delay will not continue
for more than one bank working day, it may continue for alonger period.
We will attempt to ensure a BillPay is processed promptly bybillers and other participants.
You should check your account records carefully and tell us
as soon as possible if you become aware of:• a BillPay which has been made from your linked accountwhich was not authorised;• the possibility that you have been fraudulently induced
to make a BillPay; or• any delay or mistake in processing of your BillPay.
If we are advised by a biller that it cannot process your
BillPay, we will:• advise you of this;• credit your account with the amount of that BillPay; and• tell you how we can assist you, if possible, in making thepayment as soon as possible.
Biller codes may only be used by authorised billers toreceive payment of bills issued by that biller. You are notauthorised to give a biller code to any person in order toreceive payments owing to you. Where you do so, any
terms and conditions for the use of BillPay Service will not
apply to such unauthorised use of the biller codes.

42

3.10

Card validity

Your card remains our property at all times.
A card must be signed immediately by the person in whosename it has been issued and must only be used withinthe ‘valid from’ and ‘until end’ dates shown on the card.
For security reasons you must, as soon as the card expires,
destroy it by cutting it (including any embedded microchip
on the card) diagonally in half.
3.11

Lost or stolen cards, Password or PIN

If you report that a card has been lost or stolen, the card
will be cancelled as soon as the report is made. You must
not use the card once the report is made. If you recover thelost or stolen card, you must destroy the card by cutting it(including an embedded microchip on the card) diagonallyin half and return it to an ANZ branch as soon as possible.
You must make a report to us (and the relevant third party,
if a third party issued the username, password, PIN or
card to you) immediately if you become aware or suspectthat your password, username or PIN is disclosed or usedwithout your authority, or lost. You must not then continue
to use your password, username or PIN. We will cancel it
and arrange for you to select a new username or PIN. The
best way to make the report is to phone us on the numbers
listed at the back of this booklet.
If our telephone reporting service is unavailable, youmust report the loss, theft or misuse to any ANZ branch.
This booklet outlines how you can make a report if
our telephone reporting service is unavailable or you
are overseas.
3.12

Lost and stolen card and PIN – while overseas

If your card or PIN is lost or stolen, or if someone else has
found out your PIN, you must tell us immediately. The best
way to minimise your liability is to phone us. Emergency
phone numbers are listed at the back of this booklet.
• ANZ Access card (ATM/EFTPOS card) – we cannot
provide an emergency replacement card and PIN until
you return to Samoa.

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3.13

Cancellation of cards or electronic access

We may cancel any card, username or electronic accesswithout prior notice if:• we believe that use of the card or electronic access may
cause loss to the account holder or to us;• the account is an inactive account;• all the accounts which the card may access havebeen closed;• the account has been overdrawn (other than by use of
the informal overdraft facility), or you have exceeded
your agreed credit limit;• if we become aware that you do not meet, or cease tomeet, our eligibility criteria for the card; or• on giving you not less than three months written notice.
We may also at any time suspend your right to participate in
the BillPay service.
The account holder may cancel an ANZ Card at any timeby sending ANZ a written request or by calling ANZ on therelevant numbers listed on the back of this booklet.
You can request us to de-register you from ANZ Internet
Banking at any time by Bank Mail or by phoning therelevant number listed at the back of this booklet.
3.14

Withdrawal of electronic access

ANZ may withdraw your electronic access to accounts
through electronic terminals without prior notice if:• electronic equipment malfunctions or is otherwise
unavailable for use;
• a merchant refuses to accept your ANZ Card;• any one of the accounts is overdrawn or will become
overdrawn, or is otherwise considered out of orderby ANZ;• ANZ believes your access to accounts through electronicequipment may cause loss to the account holder or
to ANZ;• ANZ suspects you of being fraudulent or engaging ininappropriate behaviour, unless this is prohibited by law.
ANZ may at any time change the types of accounts that
may be operated, or the types of electronic transactions
that may be made through electronic terminals.
3.15
		

Your responsibility regarding your ANZ Cardand Password and PIN

You must keep your ANZ Card, Password, and PIN secure.
Failure to do so may increase your liability for any loss.

Warning: You must not use your birth date or analphabetical code which is a recognisable partof your name as a password, or select a Telecode
which has sequential numbers, for example, ‘12345’
or where all numbers are the same, for example,
11111. If you do, you may be liable for any loss
suffered from an unauthorised transaction.
Password and PIN
You must not:• disclose your password or PIN to any other person;• allow any other person to see you entering, or overhear
you providing, your password or PIN;
• record your password or PIN on your card or on an article
carried with or placed near your card that is liable to loss,
theft or abuse at the same time as your card (unless yourpassword or PIN is reasonably disguised);• choose a PIN which has an easily retrieved combination,for example repeated numbers or letters; and• choose a PIN that is easily identified with you for example
your birth date, car registration, telephone number oryour name.

• ANZ believes that the quality or security of yourelectronic access process or ANZ’s systems may havebeen compromised; or44

45

Card security
You should:• sign the back of your ANZ Card immediately uponreceipt;• on the expiry date destroy your ANZ Card by cutting it
diagonally in half;• not let anyone else use your ANZ Card;• take reasonable steps to protect your ANZ Card from loss
or theft.
To assist you, we publish security guidelines. A copy of thecurrent guidelines is available at anz.com/samoa.
3.16

Unauthorised transactions(a) When the account holder is liable
The account holder is responsible for any unauthorised useof their ANZ Card and PIN, including its use by anyone else
in any way. The extent of the account holder’s liability will
depend on whether account holder has been responsible
in any way for the unauthorised use of their ANZ Cardor PIN.
If you have contributed to the loss arising from theunauthorised transaction:• through your fraud;• by voluntarily disclosing your PIN to anyone,
including a family member or friend;• by keeping a record of your PIN on your ANZ Card (evenin a disguised form) on your card, any article carried with
the ANZ Card or which may be lost or stolen at the sametime as the ANZ Card;• by using your birth date or an alphabetic code which isrecognisable part of your name as a PIN; or• by otherwise acting with extreme carelessness in failingto protect the security of your PIN;
then the account holder will be liable for the actual losses
which occur before ANZ is notified that your ANZ Card has
been misused, lost or stolen, or that your PIN has become
known to someone else.

46

If, after you become aware of the loss, theft, breach or
misuse of your PIN or ANZ card, you unreasonably delay
notifying ANZ, the account holder will be liable forlosses between:• the time you first became aware of the aforementioned
events, or in the case of the loss or theft of a card, should
reasonably have become aware of the loss or theft; and• the time ANZ is actually notified of the relevant event.
If it is not clear whether you have contributed to the loss
caused by an unauthorised transaction and where an ANZ
Card or PIN was required to perform the unauthorised
transaction, the account holder is liable for the actual loss
at the time ANZ is notified of the loss, theft or unauthoriseduse of the ANZ Card or that the security of the PIN has
been breached.
(b) When ANZ is liable
ANZ will be liable for losses incurred by the accountholder that:• are caused by the fraudulent or negligent conduct of
ANZ’s employees or agents or companies involvedin networking arrangements or of merchants or theiragents or employees;• relate to any forged, faulty, expired or cancelled part ofthe electronic access process;• arise from transactions that require the use of any ANZ
Card or PIN that occur before you have received or
selected the ANZ Card or PIN;
• result from the same electronic transaction being
incorrectly debited a second or more subsequent time tothe same account;• result from an unauthorised transaction that occurs
after you have notified ANZ that any ANZ Card has been
misused, lost or stolen or that the security of your PIN has
been breached; or• result from an unauthorised transaction if it is clear thatyou have not contributed to the losses.

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3.17

Additional protection

Visa – Zero liability
Subject to the section headed ‘Unauthorised transactions’(section 3.16) you will not be liable for unauthorised
transactions on a Visa credit card and ANZ Access Visa
debit card.
If you notify us of an unauthorised transaction(s), within
5 business days we will provide provisional credit to you
to the value of the unauthorised transaction unless yourprior account history is unsatisfactory or if the nature oftransactions justifies a delay in crediting your account.
MasterCard – Zero liability
Subject to the section headed ‘Unauthorised transactions’(section 3.16) you will not be liable for unauthorised
transactions on a MasterCard credit card or an ANZ
access card.
3.18

Equipment malfunction

We are responsible to the account holder for any loss
caused by the failure of equipment to complete atransaction that was accepted in accordance with yourinstructions.
However, if you were aware or should have been aware thatthe equipment was unavailable for use or malfunctioning,
our responsibility will be limited to correcting errors in theaccount and refunding any charges or fees imposed asa result.
You are solely responsible for your own personal computeranti-virus and PC security measures, and those of any
authorised user, to help prevent unauthorised access via
ANZ Internet Banking to your transactions and linked
accounts.
3.19

Liability under BillPay

BillPay payments are irrevocable. No refunds will be
provided through our BillPay service where you have adispute with the biller about any goods or services you may
have agreed to acquire from the biller. Any dispute must be
resolved with the biller.
If a BillPay payment has been made to an incorrect biller, orfor an incorrect amount, and your account was debited forthat amount, then you need to resolve that matter with thebiller that received the payment directly.

48

If a BillPay payment is made in accordance with a payment
direction, which appeared to ANZ to be from you or on
your behalf, but which you did not in fact authorise, then
you need to resolve that matter with the biller directly.
ANZ is not liable for any loss or damage you suffer
as a result of using the BillPay service, including any
consequential loss or damage, save for any liability thatarises under section 3.16 above.
3.20
		Changes to the Electronic Banking 		Conditions of Use

We can change these Electronic Banking Conditions of Useat any time. We will give you 20 days prior written notice ofany changes which:• impose or increase charges relating solely to the use ofelectronic equipment;• increase your liability for losses relating to electronictransactions; or• change your daily transaction limit or otherperiodical transaction limit applying to the use ofelectronic equipment.
3.21 Changes to transactions made through 				electronic terminals
Any transactions made by you at an electronic terminal
cannot be cancelled, altered or changed by you.
3.22

Printed transaction records

When you complete a transaction at an electronic terminal
you will receive a printed transaction record. You must
check your record carefully. You should retain theserecords for verification purposes and to aid in reconciling
account statements.
3.23

Third party services

ANZ does not authorise, promote or endorse and shallnot be responsible or liable in any way for the use ofaccount services offered by third parties to access your ANZ
accounts (including account aggregation services, such as
may be provided by other financial institutions).
3.24

GeneralANZ is not liable for the refusal of any merchant to accept
an electronic transaction and, to the extent permitted bylaw, is not responsible for the goods and services supplied
by a merchant.

49

You accept that:• not all electronic equipment from which cash can bewithdrawn will always contain cash;• any cash dispensed at electronic equipment is at yourrisk once it becomes visible or available to you to collect;and• not all electronic equipment will allow you tomake deposits.
To the extent permitted by law, you indemnify us against
any loss or damage we may suffer due to any claim,
demand or action of any kind brought against us arising
directly or indirectly because you;• did not observe your obligations under; or• acted negligently or fraudulently in connection with,these Terms and Conditions.
3.25

EFTPOSEFTPOS stands for Electronic Funds Transfer at Point of Sale.
This facility allows you to pay for goods and services with acard linked to your account. Depending on the retailer, you
may also be able to use the card to deposit or withdraw
cash using the EFTPOS terminal.
3.26

Maestro and Cirrus

Maestro® and Cirrus® are international EFTPOS and ATM
networks that allow you to access available funds in ANZ
accounts by using your ANZ access card (excluding ANZ
Access Visa Debit) or linked ANZ MasterCard while overseas.
You cannot use your ANZ access card or ANZ MasterCard
card at Cirrus ATMs overseas to pay money into youraccount or transfer funds between linked accounts.
Fees and charges – Maestro and Cirrus
Transaction fees, overseas transaction fees and ATM
operator fees apply for the use of Cirrus ATMs and Maestro
EFTPOS overseas.
Surcharges – Maestro and Cirrus
You may have to pay a surcharge for making a withdrawal
from some ATMs overseas. Surcharges will not appear asa separate item on your account statement. They will be
included in the total amount of the withdrawal.

50

SECTION 4: OTHER THINGS YOU NEEDTO KNOW
4.1		

Change of name and address

You should notify ANZ promptly in writing of any changes
to your account details. ANZ will not be responsible for any
errors or losses associated with account changes where
ANZ has not received prior notice.
4.2		 Our right to combine accounts and block		access
We reserve the right to block access to your account.
We can combine the balances of two or more of youraccounts, without giving you notice, even if the accounts
are at different branches or in joint names. We may dothis if one of your accounts is overdrawn or is in debit andanother is in credit. We can then use the balance of theaccount that is in credit to repay the overdrawn amountin the other account. If we combine any of your accounts
we will tell you about this as quickly as possible. We do
not need to notify you in advance. You should not treat
your accounts as combined unless we have agreed to suchan arrangement.
4.3		

Closing your ANZ account

You or any other authorised person can close your accountat any time upon request at any ANZ branch.
ANZ will pay you the credit balance plus deposit interest
if any, less any accrued account fees and Government
charges and fees applicable at the closing date (net credit
balance). Monthly fees will apply even if the accounthas been open for only part of a calendar month. Any
uncleared funds will not be released until they are cleared.
Any unused passbooks, cheque books, or ANZ Cards
which solely operate the account must be returned to ANZ
upon closure of your account. An account with chequeaccess may only be closed once all outstanding chequeshave been presented. ANZ reserves the right to return
any cheques presented for payment after the account has
been closed.
If your account has either a nil or debit balance, and there
have been no transactions (except for Government charges
and fees) on the account for more than 30 days, then ANZ

51

may close your account without giving you prior notice.
ANZ may exercise its discretion to close an account due
to unsatisfactory conduct, where the balance falls below
any required ongoing minimum balance, where you
fail to provide us with any information we may request
under these Terms and Conditions, where required bylaw or regulatory body, revenue authority or government
agency (whether local or foreign), or for any other reason it
considers appropriate. In this event, ANZ will notify you in
writing at the address shown on its records and will forwarda bank cheque for the net credit balance of the account.

SECTION 5: BANK FEES AND CHARGES
All accounts are subject to specific account related fees andcharges. Other general fees and charges may also apply toyour account for other services or account activity.
Please refer to the ‘ANZ Fees and Charges Customer
Banking Services’, as amended from time to time. You agree
to pay the fees and charges and also agree that ANZ may
debit these fees and charges directly from your account.
If ANZ fails to collect a fee to which it is entitled, ANZ has
not waived its right to collect the fee for future transactionsof the same nature.
A description of the fees that may be applicable isdetailed below:
Fee name

Description of
the fee

How the fee ischarged (unlessotherwise agreed)Monthlyaccount fee

We may charge a
The monthly
fee each monthaccount fee will
to manage andbe charged to an
maintain an account. account on the last
ANZ working day ofthe month or whenyour account isclosed.
If you change theaccount you have,
we’ll automaticallychange the monthly
account fee to thefee for your new
account type.
The new monthly
account fee will
apply for the fullmonth in which
you change youraccount.

52

53

Fee name

Description of
the feeATM
withdrawalfee

We charge a fee forwithdrawing cashfrom an ANZ ATM.

How the fee ischarged (unlessotherwise agreed)

The fee will becharged to theaccount you
withdrew cash from
Other banks orfinancial institutions at the time of thewithdrawal.
may charge a fee
for using a non-ANZATM.

Staff assisted We charge a fee for The fee will betransaction each transaction
charged to thefee
you ask our staff
account used for theto assist you with,transaction at theincluding at atime of the request.
branch, by phone, oronline.
This includes:• over the countercash withdrawals• transfers to ANZbank accounts

Description of
the fee

How the fee ischarged (unlessotherwise agreed)

Bank cheque We charge a fee
feeeach time you
request a bankcheque service,including;

The fee will becharged to your
ANZ transactional
account when thebank cheque isissued, replaced or
repurchased.

• issuing a bankcheque• replacing an
unused bankcheque• repurchasing
an unused bankchequeSearch fee

We charge a fee
when you request
a copy of a deposit
slip, cheque, orother similar
document.

The fee will becharged to your
ANZ transactional
account when you
make the request.

The fee is charged
even if we cannot
find the document.

• transfers to
non-ANZ bankaccounts
Cash deposits are
not included.
Depositbook fee

We charge this fee
when you order adeposit book for use
with your account.

Chequebook fee

We charge this fee
The fee will bewhen you order acharged to thecheque book for use cheque accountwith your account.
at the time of the
The fee amount may request. Stamp duty
vary according to the will appear as a
size of the book. The separate transaction
amount of the fee
on your statement.
includes government
stamp duty.

54

Fee name

The fee will becharged to therelevant accountat the time of therequest.

Unarranged We may charge
The fee will beoverdraft fee a fee when you
charged to yourdon’t have enough account at the end
money in yourof the ANZ working
account, includingday; provided
any agreed overdraft that the end oflimit, and we choose ANZ working day
to let you makeaccount balancea withdrawal or(excluding fees,
payment.
charges and interest)
This fee is charged in is more overdrawn
addition to interest than the previous
end of ANZ working
on the overdrawn
day’s accountamount.
balance (including
fees, charges andinterest).

Fee name

Description of
the fee

How the fee ischarged (unlessotherwise agreed)Card
We may charge a fee The fee will be
replacement when you request
charged to thefee
a replacement
account the card iscard. You will not
linked to when you
be charged a fee if
make the request.
your existing card isfaulty or expired.
Cross border We charge a fee
transaction when you use yourfee
Visa debit card to
make a purchaseoverseas, with anoverseas merchant,
or in a foreign
currency. The fee
applies both online
and overseas. The
fee is calculated asa percentage of thepurchase amount.

The fee will becharged to theaccount the card islinked to when thetransaction occurs.

Term
Deposit early
withdrawal
fee

The fee will becharged at the timeof withdrawal anddeducted fromthe amount being
withdrawn.

We charge a fee
if you request towithdraw part or allof your term deposit
before its maturity
date, and we agree
to the withdrawal.

Fee name

Description of
the fee

How the fee ischarged (unlessotherwise agreed)

Auditor’s
confirmation
certificate
fee

We charge a fee toprepare an auditor’s
confirmation
certificate for you.

The fee will becharged to your
ANZ transactional
account when you
make the request.

Printing fee

You can ask for thefollowing, but wemay charge youa fee for printing
and/or sending
it (including
electronically):

The fee will becharged to your
ANZ transactional
account when you
ask for the printing.

• copies of bankstatements• interim bankstatements• photocopying• any otherdocument

The fee is calculated
as a percentage ofthe interest earnedon the withdrawn
amount and may
have a minimum
amount applied
to it.
Simplecertificate
fee

56

We charge a fee foreach certificate ofbalance or interest,
or bank opinion that
we prepare for you.

The fee will becharged to your
ANZ transactional
account when you
make the request.

57

SECTION 6: CUSTOMER ENQUIRIES
Postal Address
ANZ Bank (Samoa) Limited
Beach Road
P.O. Box L1855
Apia
Samoa
General Enquiries
Phone: +685 69999
Email: samoa.informationhelpdesk@anz.com
Refer to anz.com/samoa for hours of availability.

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ANZ Bank (Samoa) Limited. 07/24
21840

anz.com/samoa