Online EFTPOS
Pay online the easy and secure way
Just use your bank app on your phone to make the payment. It’s quick, safe, and you don’t need to share your banking details, making it one of the most secure ways to pay online.
Currently available to ANZ, ASB, BNZ, The Co-operative Bank and Westpac customers.
*Available on annual payments only.
How to make a payment
- Choose the online eftpos option from the payment screen when renewing your annual policy.
- Select your bank and enter your mobile number.
- Approve the payment request in your bank app.
That’s it! – the payment is made instantly if funds are available.
Key benefits
- Direct account-to-account transfers
- No need to share banking credentials
- Secure payment process
- Simple smartphone-based payments
Getting started
If you use your bank’s mobile app regularly, you shouldn’t need to do anything special. Just check you have the latest version of your bank’s app installed. Below are a few bank-specific requirements:
ANZ customers
- Download or update to the goMoney banking app.
- Have an ANZ everyday account (e.g. Go, Freedom, Business Current) or Flexible Home Loan account with sufficient funds.
- Contact your bank to register a verified mobile phone number with OnlineCode or ANZ Pay to Mobile.
Further information for ANZ customers
ASB customers
- Download or update to the latest version of the ASB Mobile app.
- Turn on “Receive payment requests” in Settings.
- Be Netcode verified within the app.
Further information for ASB customers
BNZ customers
- Download or update to the latest version of the BNZ app.
- Login with your BNZ access number and password.
- Use a BNZ transactional account e.g. YouMoney.
- Allow Push notifications, they aren’t required but make payments easier.
Further information for BNZ customers
Westpac customers
- Be registered for Westpac One and download or update to the latest version of the app.
- Use a Westpac Everyday, Simple Saver, or Choices Everyday account.
- Make sure your mobile phone number is registered and authenticated on your account.
Further information for Westpac Customers
The Co-operative Bank customers
- Download and set up the Co-operative Bank Mobile App.
- Keep it updated for smooth transactions.
Further information for Co-operative Bank Customers
Frequently asked questions
How secure is Online EFTPOS?
Online EFTPOS is one of the most secure payment methods available today. This is because it doesn’t ask you to enter your bank or payment details directly. Instead, you approve each payment through your bank’s app, adding an extra layer of security.
What is the maximum purchase limit for Online EFTPOS?
Each bank sets its own purchase limits:
| Bank | Limit |
|---|---|
| ANZ | $5,000 per transaction |
| ASB | $30,000 per day |
| BNZ | $12,000 per day |
| Westpac | $5,000 per transaction (unless agreed otherwise) |
| Co-operative Bank | Flexible daily limit depending on your account agreement |
You may also have specific limits set for your own account. Please contact your bank if you need to adjust those.
I don’t bank with one of these banks – when can I use Online EFTPOS?
The Online EFTPOS team is working to bring more banks on board. You can email [email protected] with your feedback or contact your bank directly to encourage them to join.
I don’t have the relevant bank app on my phone. Where can I get it?
Look for the ANZ, ASB, BNZ, Westpac One, or The Co-operative Bank app on the Google Play Store (Android) or iTunes App Store (iPhone).
How long do I have to approve my payment?
You have 4 to 7 minutes from the time the payment request is sent to approve the transaction in your bank app.
I didn’t receive a payment request in my banking app.
- Check you’re using the latest version of your app.
- Confirm you have enough funds.
- Allow up to 40 seconds for the request to appear (try refreshing or logging out/in).
- Double-check the mobile number linked to your bank app.
- Ensure the relevant payment settings are enabled in your bank app.
If you still have issues, contact your bank or email [email protected].
Why is my mobile number required?
It matches you to your bank account, so you don’t need to enter card details.
How long does a payment take?
Payments are processed instantly if funds are available.
What about refunds?
Refunds for payments made to your initio account will go back to the same account used for the original payment.
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We do our best to keep the information on our website about Online EFTPOS current. However, we can’t promise that everything is always accurate, complete, or up to date, and we can’t guarantee that it will meet your specific needs.
For the latest and most reliable information, we recommend visiting either your bank’s site or Worldline’s Online EFTPOS support page.