Trying to cancel

ANZ

? Avoid the runaround.

• Bank Accounts: Can be closed anytime if the balance is $0 and no pending transactions remain. Joint accounts need all account holders to consent.
  
  
• Credit Cards: Must be paid in full before closing. Rewards points are forfeited if not used before cancellation.
  
  
• Personal Loans: Can be closed early with no fee on variable loans. Fixed loans may incur a $300 admin fee and interest adjustment.
  
  
• Home Loans: Require a discharge form and full repayment. Break fees may apply for fixed loans. Offset and package accounts must also be addressed.
  
  
• Insurance: All policies can be cancelled at any time. Cooling-off refunds apply; outside of that, expect pro-rata refunds (minus small admin fee).
  

• Accounts:
  
  
  • Contact ANZ by calling 13 13 14 or visit a branch.
    
    
  • ANZ Plus app users can close accounts in-app.
    
    
  • Secure messages also accepted via Internet Banking.
    
    
• Credit Cards:
  
  
  • Call 1800 035 500 or 13 13 14.
    
    
  • App chat, Internet Banking form, or branch also available.
    
    
  • Request written confirmation.
    
    
• Personal Loans:
  
  
  • Request payout via phone or online.
    
    
  • Pay the balance and confirm closure.
    
    
• Home Loans:
  
  
  • Submit Discharge and Variation Authority.
    
    
  • Allow ~10 business days to process.
    
    
  • Coordinate with settlement agent if selling/refinancing.
    
    
• Insurance:
  
  
  • Call 13 16 14 (ANZ Insurance Centre).
    
    
  • Cancellation processed over the phone or in writing.
    
    
  • Expect email confirmation and a refund where eligible.
    

• Bank Accounts: Closed same day via phone or branch.
  
  
• Credit Cards: Closure is near-instant; check for a final statement within ~7 days.
  
  
• Personal Loans: Closure within 1–2 business days of full payment.
  
  
• Home Loans: Typically takes 10–15 business days after discharge request.
  
  
• Insurance: Effective same-day or future date. Refunds take 1–2 weeks.
  
  

Tip: Time cancellations just after interest credits or before fees for maximum value.

• Accounts: No closure fees. No refund of monthly fees if already charged.
  
  
• Credit Cards: No fee to cancel. Annual fees are not refunded.
  
  
• Personal Loans:
  
  
  • Variable: no fee.
    
    
  • Fixed: $300 early repayment admin fee (if applicable) + interest adjustment.
    
    
• Home Loans:
  
  
  • ~$160 discharge fee.
    
    
  • Break cost for fixed loans + possible $300 admin fee.
    
    
  • No refund of Breakfree package fee.
    
    
• Insurance:
  
  
  • No cancellation fee, but refund is pro-rata minus ~$30–$50 admin fee depending on insurer and policy type.