Control Your Account Access and Permissions
Sharing account access can significantly simplify managing household expenses, caring for an elderly relative, or running a small business. By granting a trusted person authorized access to your ANZ account, they may be able to view balances or transact on your behalf (depending on the permission level), without sharing your personal login credentials.
Conversely, it is equally important to know how to swiftly remove an authorized user when financial or personal circumstances change. This guide explains how third-party account access works at ANZ and how to request changes to permissions through Internet Banking or other ANZ channels.
Authorized User Requirements
| Category | Details |
|---|---|
| Prerequisites | You must be an account holder with authority to grant or modify access. You will need the new user’s full name, date of birth, and contact details. |
| Access Level | Authorized users may receive their own Customer Registration Number (CRN) if they are registered for ANZ digital banking. |
| Processing Time | From same day to several business days—depending on verification requirements. |
Step-by-Step User Management Algorithm
- Step 1: Navigate to the official ANZ website and click Log On to access Internet Banking using your primary Customer Registration Number (CRN).
- Step 2: From your home dashboard, navigate to the Settings or Profile menu located in the top navigation bar.
- Step 3: Look for options related to account access or user permissions (availability depends on your account type).
- Step 4: To add a new person, click Add User, input their personal details, and define their specific permission level (e.g., "Value Access" for transacting or "Non-Value Access" for view-only).
- Step 5: To revoke permissions, find the active user on your list, click Remove Access, and confirm the permanent deletion. Verify all changes using your Multi-Factor Authentication (MFA) method.
Pro-Tip: To make the addition process significantly faster and safer, ensure the person you are authorizing already holds an active ANZ profile, such as an everyday transaction account. If they already have an existing CRN and verified identity on file, linking their profile to your account as an authorized user bypasses lengthy manual identity verification delays.
Troubleshooting Common Pain Points
- MFA Delays: If you are trying to confirm the addition or removal of a user but the SMS security code is delayed, verify your cellular reception. To avoid SMS routing issues entirely, approve the request using the ANZ App where available or contact ANZ support if delays persist.
- Browser Errors: The user management portal may time out or fail to save your changes if your browser is running conflicting extensions or holds corrupted cookies. Clear your browser cache or perform the update in a clean "Incognito" or "Private" window.
- Locked ID: Entering the wrong password while trying to log in and manage your account will temporarily lock your CRN. You must use the Forgot Details recovery link or contact ANZ customer support to unlock your profile before you can change any user permissions.
Frequently Asked Questions
Can an authorized user close my ANZ account?
No. While authorized users can make transactions or view statements depending on their permission level, only the primary account holder has the legal authority to close the account or change the primary contact details.
Am I responsible for the debt an authorized user creates on my credit card?
Yes. If you add an authorized or secondary cardholder to your ANZ credit card, you (the primary account holder) are legally responsible for repaying all transactions and fees they incur.
