For anyone who’s ever fumbled for their wallet at a checkout or wondered whether their banking app will work on a trip abroad, ANZ goMoney promises a familiar comfort: your bank, in your pocket. With over 4 million active users (Google Play (app store listing)) and a 4.6-star rating on iOS, it’s New Zealand’s most-used mobile banking app.

4 related posts

App store rating (iOS): 4.6 stars (67.4k ratings) ·
App store rating (Android): 4.3 stars (24.4k ratings) ·
Active users (ANZ Australia app): over 4 million

Quick snapshot

1Confirmed facts
2What’s unclear
3Timeline signal
  • ANZ New Zealand’s goMoney guides page updated in 2026, indicating active support (ANZ New Zealand (official guides page))
  • International payments added to Android version in 2017 (Scoop (news report))
4What’s next

Eight key specs, one takeaway: ANZ goMoney is a full-featured mobile banking app with strong ratings and regular updates.

Attribute Value
App name ANZ goMoney New Zealand
Developer ANZ Bank New Zealand Limited
iOS App Store rating 4.6 out of 5 (67.4k ratings) – Apple App Store (app listing)
Android rating 4.3 out of 5 (24.4k ratings) – Google Play (app store listing)
Last update (Android) January 2025 – Google Play (app store listing)
Size (Android) Varies by device
Android package name nz.co.anz.android.mobilebanking
iOS bundle ID 685125525

Bottom line: Kiwis get a reliable banking tool with high ratings and regular updates. The trade-off: Australians need a separate ANZ App, and travelers must plan around feature gaps outside NZ.

What is ANZ goMoney?

ANZ goMoney is the official mobile banking app of ANZ Bank New Zealand (personal banking page) for New Zealand customers. It lets you view balances, transfer money, pay bills, and manage cards – all from your phone. The app is available for both iOS (Apple App Store) and Android (Google Play).

Editor’s note

There is a separate ANZ app for Australia – ANZ goMoney New Zealand is only for NZ customers. If you bank with ANZ in Australia, you need the ANZ App.

Key features of ANZ goMoney

  • View account balances and transaction history
  • Transfer money between ANZ accounts and to other banks
  • Pay bills (including BPAY)
  • Manage and temporarily lock your debit/credit card
  • Set up biometric login (fingerprint or Face ID) – ANZ New Zealand (official banking website)
  • OnlineCode for extra security on certain transactions

Who can use ANZ goMoney

  • New Zealand residents with an ANZ New Zealand account
  • You must be 16+ to open an ANZ account
  • Non-residents can open an account online – ANZ New Zealand (join page)

The pattern: ANZ goMoney is purpose-built for New Zealand customers. If you’re an Australian ANZ user, you need a completely different app – a quirk worth remembering before you travel.

How to set up ANZ goMoney?

Downloading the app

  • Search for “ANZ goMoney New Zealand” in the Apple App Store (app listing) or Google Play (app store listing)
  • Ensure you’re downloading the NZ version, not the Australian ANZ App
  • The app is free – no purchase necessary

Creating your goMoney account

  1. Open the app and select “Register”
  2. You’ll need your ANZ account number or card details – ANZ New Zealand (join page)
  3. Follow the on-screen identity verification steps
  4. Note down the reference number ANZ provides during registration – ANZ New Zealand (official banking website)

Logging in for the first time

  • After registration, set a login PIN (6 digits)
  • Enable fingerprint or Face ID for faster access – ANZ New Zealand (official banking website)
  • You can also use your Internet Banking credentials if you already have them
Bottom line: If you have your ANZ details ready, the entire setup takes about 5 minutes. ANZ New Zealand requires the reference number for troubleshooting, so write it down. For Australian ANZ customers: this app won’t work – you need the separate ANZ App.

Can you use the ANZ goMoney app overseas?

Yes, with conditions. ANZ Australia (international services support page) confirms that online banking is protected overseas just as if you were at home – but that page is for Australian ANZ customers. For NZ goMoney users, ANZ New Zealand (official banking website) states only that goMoney can be used “anywhere, anytime” with internet access.

Using goMoney while traveling

  • The app works when you have an internet connection
  • You can check balances, transfer between your NZ accounts, and pay NZ bills
  • Some features – like Pay Anyone and BPAY – are confirmed for ANZ Australia customers overseas, but the NZ version may have different limits – ANZ Australia (international services support page)
  • You need mobile or overseas phone access to receive SMS security codes – ANZ Australia (international services support page)

International transaction fees

  • ANZ charges fees for overseas ATM withdrawals and card purchases – check your account type
  • Wise (an international money transfer service) advises (international finance comparison site) that using your card abroad can trigger ANZ’s monitoring, which may temporarily block the card if the bank isn’t aware you’re traveling

Tips before you travel from ANZ

  • Let ANZ know you’re traveling – call or notify via the app before departure
  • Store a backup number (e.g., a travel eSIM) to receive SMS codes
  • Check the ANZ travel advice page on their website – ANZ New Zealand (official banking website)

The trade-off: You can use goMoney abroad, but it’s still a New Zealand app. International payments and card management are smoother with the Australian ANZ App than with the NZ goMoney version. Travelers should expect occasional restrictions and plan for SMS-based verification.

Is ANZ goMoney safe to use?

ANZ builds security directly into goMoney. Here’s how the app protects your money.

Security features of goMoney

  • Encryption: High-grade encryption protects all data transmitted between the app and ANZ – Google Play (app store listing)
  • Biometric login: Use your fingerprint or face to unlock the app
  • Card lock: Temporarily lock your debit or credit card from within the app
  • OnlineCode: A second layer of protection for online purchases – Google Play (app store listing)

How ANZ protects your data

  • Personal and banking details are not stored on your device – Google Play (app store listing)
  • Session timeouts and push notifications for suspicious activity – SME Banking Agency (third-party review)
  • AI-based fraud detection monitors transactions in real time

User tips for safe banking

  • Never share your PIN or password with anyone
  • Enable biometric login for an extra layer on your phone
  • Use OnlineCode for online purchases
  • If you lose your phone, immediately lock your card via another device or call ANZ

“ANZ goMoney makes it easy to keep track of your money, pay people and bills, manage your cards and more, anywhere, anytime.”

– ANZ New Zealand (official banking website)

Why this matters: For New Zealand users, goMoney is a safe choice backed by institutional security standards. The main risk comes from using the app overseas without notifying the bank – a simple step that prevents frozen accounts and blocked cards.

Upsides

  • Easy setup with biometric login
  • Works overseas with internet
  • Card lock and OnlineCode for security
  • Free download, no ads

Downsides

  • Separate app for Australia (can cause confusion)
  • Some features restricted outside NZ
  • Requires SMS for overseas security codes
  • Card may be blocked if ANZ isn’t notified of travel
Additional sources

anz-gomoney-australia.appstor.io, download.cnet.com, anz.co.nz, anz.co.nz

For a detailed walkthrough of the login process, the ANZ goMoney login guide covers common troubleshooting steps and security tips.

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Frequently asked questions

How do I reset my ANZ goMoney PIN?

Open the app and select “Forgot PIN” on the login screen – you’ll need your ANZ account details to verify identity. Alternatively, call ANZ’s helpline.

Can I use ANZ goMoney on multiple devices?

Yes, but you’ll need to log in separately on each device. For security, ANZ may send a confirmation code each time.

Does ANZ goMoney support fingerprint login?

Yes – the app supports fingerprint and Face ID on compatible devices. Enable it in the app’s settings after login.

What should I do if my ANZ goMoney app crashes?

First, restart the app. If it persists, check for updates in your app store. As a last resort, uninstall and reinstall – your account data is not stored on the device.

How long does it take to transfer money via goMoney?

Transfers between ANZ accounts are instant. Transfers to other NZ banks typically arrive within a few hours to one business day. International transfers may take 1–3 business days.

Can I pay bills with ANZ goMoney?

Yes, you can pay bills via BPAY and direct credit. The app supports recurring payments and one-off bill payments.

Is there a fee for using goMoney overseas?

ANZ does not charge a fee for using the app itself overseas, but standard transaction fees (international ATM withdrawal, foreign currency conversion) apply depending on your account type.

For New Zealand travelers, the choice is clear: use ANZ goMoney for everyday banking and notify the bank before leaving home. For Australian ANZ customers, the dedicated ANZ App offers more reliable overseas features. Either way, a five-minute pre-travel call can save you from a frozen card mid-trip.