ANZ Bank making changes to Terms and Conditions from 15 October

Nuku'alofa, Tonga

Changes to Terms and Conditions

We’re making changes to some of our Terms and Conditions. These changes will come into effect from 15 October 2025.

We’re making changes to these documents to enhance clarity, for consistency and to improve the way the products, services, rights and obligations are described. Here’s a summary of the changes:

ANZ Savings & Transaction Products Terms and Conditions

Amending the section describing how we can make changes to the terms and conditions, products and services. We have added more detail on the kinds of changes we might make to your product or service. We have also simplified the wording on how we will let you know of changes and the notice that we will give you.
Updating the ways that we may give notice and communicate with you to allow for greater flexibility in how we get in touch with you.
To give greater flexibility to how we return funds to you if your account is closed, we will no longer have to send a bank cheque.
Providing greater clarity to customers on the governing law and jurisdiction of the Tonga courts.
Explaining in more detail how we calculate interest on non- business days and updating some of the sections on processing of electronic payments. This includes adding a page on our website providing more information.
Adding the terms that apply when you arrange a Telegraphic Transfer.
Adding references to the ANZ Pacific App.
Updating some other details.

ANZ Electronic Banking Conditions

Updating some of the sections on processing of electronicpayments. This includes adding a page on our website providingmore information.
Providing more information on what to do if you are not happy with how we have resolved a complaint.

ANZ General Terms and Conditions