# ANZ (Australia and New Zealand Banking Group)

> Source: https://docs.barcoder.ai/docs/wallets/anz-australia
> research date 2026-05-29 · extracted at 2026-10-07
> Publisher: Barcoder — encyclopedia of QR, barcode and payment-code standards

Specifications:
- [ANZ — official](https://www.anz.com.au/)

## Overview

**ANZ (Australia and New Zealand Banking Group)** is **one of Australia's Big-4 banks + Pacific banking leader** <sup>[1][1], [2][2], [Australia report](https://docs.barcoder.ai/docs/payments/AU)</sup>. **2025 baseline**: **4M+ ANZ Australia app users + 1M+ ANZ Plus users**.

**Distinctive ANZ Plus positioning** <sup>[3][3], [4][4]</sup>:
- **ANZ Plus**: "A new way to bank" — distinctive ANZ digital-first banking platform (since 2022 launch)
- **1M+ ANZ Plus customers** — affected by password-less initiative (mid-2025)
- **Australia's first fully password-less web banking** launch (mid-2025) — distinctive Australian banking-security innovation; passkey + mobile-number-based auth
- **Smart money management features** — spend less, save more focus
- **Multi-country presence**: 23+ countries (AU + NZ + Pacific + Asia + ME + US + UK)

## History

**1835 — Bank of Australasia founded** in London (UK) for Australian colonies — distinctive ANZ predecessor entity.

**1951 — Australia and New Zealand Bank formed** via merger of Bank of Australasia + Union Bank of Australia.

**1970 — ANZ Banking Group formed** via merger of ANZ Bank + English, Scottish and Australian Bank.

**1991 — ANZ acquires National Bank of New Zealand** — distinctive ANZ NZ entry.

**Pre-2022 — ANZ Australia mobile banking app**.

**March 2022 — ANZ Plus launches** as ANZ's digital-first banking platform.

**Mid-2025 — ANZ Plus first fully password-less web banking** launch (Australia's first) <sup>[3][3]</sup>.

**2025 — 4M+ ANZ Australia app users + 1M+ ANZ Plus users** <sup>[1][1], [3][3]</sup>.

## Ownership & operator

**Operating entity**: **Australia and New Zealand Banking Group Limited (ANZ)** (ASX: ANZ).

**Major shareholders**: **BlackRock + Vanguard + State Street + Australian Foundation Investment Company + Australian Super + various Australian institutional + ASX public float** (widely held; no controlling shareholder; significant Australian institutional ownership).

**Regulators**: **APRA (Australian Prudential Regulation Authority)** + **ASIC (Australian Securities and Investments Commission)** + **AUSTRAC** + **RBA (Reserve Bank of Australia)** + **RBNZ (Reserve Bank of New Zealand)** + per-country.

## Technical integration

| Layer | Description |
|---|---|
| **Channels** | ANZ Australia app (iOS + Android; 4M+ users) + ANZ Plus app (iOS + Android; 1M+ users; digital-first banking platform) + ANZ Online + ANZ cards (Visa + Mastercard) + ANZ branch network |
| **Identifiers** | Phone + email + card number + BSB + account number |
| **AU rails** | **[PayID](https://docs.barcoder.ai/docs/standards/payid) + [NPP/PayTo](https://docs.barcoder.ai/docs/standards/npp)** (PayID + Osko / New Payments Platform NPP instant payments) |
| **License** | Bank (ANZ full Australian + New Zealand banking license; AU Big-4 bank + multi-Pacific + Asia) |
| **Sub-products** | ANZ Account + ANZ Cards + ANZ Loans + ANZ Mortgages + ANZ Investments + ANZ Insurance + ANZ for Business + ANZ Plus (digital-first banking; smart money management) + ANZ Wealth + ANZ Institutional + ANZ New Zealand (NZ Big-4 bank) |
| **Distinctive ANZ Plus password-less innovation**: Australia's first fully password-less web banking (mid-2025); passkey (fingerprint + face recognition + device PIN) or mobile-number-based auth |
| **Multi-country presence**: 23+ countries (AU + NZ + Pacific + Asia + ME + US + UK) |

## Users & growth

**2025 baseline** <sup>[1][1], [3][3]</sup>:
- **4M+ ANZ Australia app users**
- **1M+ ANZ Plus users**
- **Mid-2025 ANZ Plus password-less web banking launch** — Australia's first
- **AU Big-4 bank + multi-Pacific banking leader**
- **23+ countries multi-country presence**

## Use cases

Australian + multi-country retail + corporate + institutional + wealth banking via ANZ Australia app + ANZ Plus app + ANZ Online + cards + branches; PayID + Osko / NPP instant payments; ANZ Plus digital-first smart money management (smart money management features helping spend less + save more); ANZ Institutional + ANZ Wealth + ANZ New Zealand (NZ Big-4 bank); 23+ countries multi-Pacific + Asia + ME + US + UK presence.

## Implementations & partners

**Operator**: **Australia and New Zealand Banking Group Limited (ANZ)** (ASX: ANZ).

**Major shareholders**: **BlackRock + Vanguard + State Street + Australian Foundation Investment Company + Australian Super + Australian institutional + ASX public float** (widely held).

**Major Australian banking competitors**:
- **[CommBank (Commonwealth Bank of Australia)](https://docs.barcoder.ai/docs/wallets/commbank)** (Commonwealth Bank of Australia; CBA; AU Big-4 + Australia's largest bank by customers)
- **[NAB Mobile Banking (National Australia Bank)](https://docs.barcoder.ai/docs/wallets/nab)** (National Australia Bank; NAB; AU Big-4; WeMoney Bank of the Year 2025)
- **[Westpac Mobile App](https://docs.barcoder.ai/docs/wallets/westpac)** (Westpac; AU Big-4; 3M+ users; 3rd year highest score in Forrester's Digital Experience Review)
- **Macquarie Bank** + **Bendigo and Adelaide Bank** + **Bank of Queensland** + **Suncorp Bank** (AU 2nd-tier banks)
- **[Up Bank](https://docs.barcoder.ai/docs/wallets/up-bank)** (Batch 29 covered; Bendigo and Adelaide Bank challenger digital bank)
- **[Afterpay (Clearpay in UK)](https://docs.barcoder.ai/docs/wallets/afterpay)** + **[Zip](https://docs.barcoder.ai/docs/wallets/zip)** (AU BNPL)
- **[Wise (formerly TransferWise)](https://docs.barcoder.ai/docs/wallets/wise)** + **[Revolut](https://docs.barcoder.ai/docs/wallets/revolut)** (multi-global challenger banks active in AU)

**Regulators**: **APRA + ASIC + AUSTRAC + RBA + RBNZ + per-country**.

## Fun facts

- **One of Australia's Big-4 banks + Pacific banking leader**.
- **1835 founding as Bank of Australasia** in London for Australian colonies — distinctive ANZ predecessor entity.
- **1951 ANZ Bank formed via Bank of Australasia + Union Bank of Australia merger; 1970 modern ANZ Banking Group formed**.
- **1991 ANZ acquires National Bank of New Zealand** — distinctive ANZ NZ entry.
- **March 2022 ANZ Plus launch** as ANZ's digital-first banking platform.
- **Mid-2025**: Australia's first fully password-less web banking launch via ANZ Plus — distinctive Australian banking-security innovation.
- **4M+ ANZ Australia app users + 1M+ ANZ Plus users**.
- **Multi-country presence**: 23+ countries (AU + NZ + Pacific + Asia + ME + US + UK).
- **ANZ New Zealand subsidiary** — NZ Big-4 bank.

## Comparison

| Feature | ANZ + ANZ Plus | [NAB Mobile Banking (National Australia Bank)](https://docs.barcoder.ai/docs/wallets/nab) (AU Big-4 rival; WeMoney Bank of Year 2025) | [Westpac Mobile App](https://docs.barcoder.ai/docs/wallets/westpac) (AU Big-4 rival; 3M+ users; #1 Forrester DXR for 3rd year) | [CommBank (Commonwealth Bank of Australia)](https://docs.barcoder.ai/docs/wallets/commbank) (AU Big-4 + Australia's largest by customers comparable) | [Up Bank](https://docs.barcoder.ai/docs/wallets/up-bank) (Batch 29; AU challenger digital bank comparable) |
|---|---|---|---|---|---|
| Operator | **Australia and New Zealand Banking Group Limited (ASX: ANZ; widely held: BlackRock + Vanguard + State Street + Australian Foundation Investment Company + Australian Super + Australian institutional + ASX float)** | National Australia Bank Limited (ASX: NAB) | Westpac Banking Corporation (ASX: WBC) | Commonwealth Bank of Australia (ASX: CBA) | Up Bank (Bendigo and Adelaide Bank subsidiary) |
| Type | **AU Big-4 + ANZ Plus digital-first banking platform + Australia's first fully password-less web banking (mid-2025) + 23+ countries (multi-Pacific + Asia + ME + US + UK) + ANZ New Zealand subsidiary NZ Big-4 bank** | AU Big-4 + WeMoney Bank of the Year 2025 + NAB Goodies + PayID + PayPal integration | AU Big-4 + Westpac app #1 Forrester DXR for 3rd year + SafeBlock + Savings Finder + AI search + SaferPay scam detection | AU Big-4 + Australia's largest bank by customers | AU challenger digital bank (Bendigo subsidiary) |
| Country | AU + 22+ other countries | Australia | Australia | Australia + NZ | Australia |
| Users | **4M+ ANZ Australia app users + 1M+ ANZ Plus users** | Millions of NAB customers + NAB Goodies offers | 3M+ Westpac users + 3rd year #1 Forrester DXR | Major AU | AU challenger |
| Distinctive | **1835 Bank of Australasia founding in London for Australian colonies; 1951 ANZ Bank formed; 1970 modern ANZ Banking Group; 1991 ANZ acquires NZ National Bank; Mar 2022 ANZ Plus launch; mid-2025 Australia's first fully password-less web banking (passkey or mobile-number-based auth) — distinctive Australian banking-security innovation; 23+ countries** | NAB Goodies exclusive offers; WeMoney Bank of Year 2025; PayID + PayPal direct setup from app | Forrester DXR #1 for 3rd year; proactive personalized experiences + low-balance prompts; recent additions SafeBlock + Savings Finder + AI search; SaferPay scam detection asking validation questions | AU's largest bank by customers | AU digital-first challenger |

## Status

**Active, AU Big-4 bank + Pacific banking leader** <sup>[1][1], [2][2]</sup>:
- **Australia and New Zealand Banking Group Limited (ANZ)** (ASX: ANZ) since 1835 (Bank of Australasia London founding for Australian colonies) / 1951 (ANZ Bank merger) / 1970 (modern ANZ Banking Group).
- **4M+ ANZ Australia app users + 1M+ ANZ Plus users**.
- **March 2022 ANZ Plus launch** as digital-first banking platform.
- **Mid-2025 ANZ Plus password-less web banking** — Australia's first.
- **ANZ New Zealand subsidiary** — NZ Big-4 bank.
- **Multi-country presence**: 23+ countries.
- **APRA + ASIC + AUSTRAC + RBA + RBNZ + per-country regulated**.

## Sources

[1]: https://www.anz.com.au/support/online-banking/anz-app/ "The ANZ App — ANZ"
[2]: https://www.anz.com.au/plus/ "ANZ Plus: A new way to bank — ANZ"
[3]: https://fintech.global/2025/05/06/anz-plus-to-debut-australias-first-fully-password-free-web-banking/ "ANZ Plus to debut Australia's first fully password-free web banking — Fintech Global May 6 2025"
[4]: https://idtechwire.com/anz-bank-to-eliminate-passwords-for-online-banking-by-2025/ "ANZ Bank to eliminate passwords for online banking by 2025 — ID Tech"
[au-cro]: https://docs.barcoder.ai/docs/payments/AU

- [1] [The ANZ App — ANZ][1]
- [2] [ANZ Plus: A new way to bank — ANZ][2]
- [3] [ANZ Plus to debut Australia's first fully password-free web banking — Fintech Global May 6 2025][3]
- [4] [ANZ Bank to eliminate passwords for online banking by 2025 — ID Tech][4]
- <sup>[Australia report](https://docs.barcoder.ai/docs/payments/AU)</sup> In-corpus: `reports/countries/AU-australia.md`

## Source

Biography extracted from [anz-australia.md](https://docs.barcoder.ai/source/wallets/anz-australia). See `matrix.md` for standards-support matrix if present.