Trying to cancel ANZ? Avoid the runaround.
Can you cancel your ANZ subscription? Check eligibility and conditions
- 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).
How to cancel a ANZ subscription, service or order
- 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.
- Contact ANZ by calling 13 13 14 or visit a branch.
- Credit Cards:
- Call 1800 035 500 or 13 13 14.
- App chat, Internet Banking form, or branch also available.
- Request written confirmation.
- Call 1800 035 500 or 13 13 14.
- Personal Loans:
- Request payout via phone or online.
- Pay the balance and confirm closure.
- Request payout via phone or online.
- Home Loans:
- Submit Discharge and Variation Authority.
- Allow ~10 business days to process.
- Coordinate with settlement agent if selling/refinancing.
- Submit Discharge and Variation Authority.
- Insurance:
- Call 13 16 14 (ANZ Insurance Centre).
- Cancellation processed over the phone or in writing.
- Expect email confirmation and a refund where eligible.
- Call 13 16 14 (ANZ Insurance Centre).
How long does a ANZ cancellation take?
- 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.
ANZ cancellation fees and final charges – what to expect
- 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.
- Variable: no fee.
- Home Loans:
- ~$160 discharge fee.
- Break cost for fixed loans + possible $300 admin fee.
- No refund of Breakfree package fee.
- ~$160 discharge fee.
- Insurance:
- No cancellation fee, but refund is pro-rata minus ~$30–$50 admin fee depending on insurer and policy type.
- No cancellation fee, but refund is pro-rata minus ~$30–$50 admin fee depending on insurer and policy type.
ANZ cases submitted through Ajust
They confirmed the account was closed. Then took $539.I had the letter. The card was cut up. Months later, money disappeared from my other bank. No call. No warning. No one could explain why. – David
They froze my super mid-trade.$3 million. Locked. I couldn’t access it while the market moved. I lost 12 bitcoin. Weeks of calls, escalations, waiting. One person eventually fixed it-in one minute. – Elena
The account was closed. The card was cancelled. The refunds still went there.I had four PayPal refunds sent to a closed ANZ card. I had the receipts. The transaction IDs. Screenshots. ANZ told me they couldn’t help. – Pollyann
Consumer experiences with ANZ cancellations
✅ Quick insurance refund: “Cancelled ANZ home insurance and got refund in 10 days.”
❌ Missed card closure led to surprise fee: “Card disappeared from view but wasn’t closed. Got charged an annual fee 6 months later.”
✅ Credit card cancelled from overseas: “Closed ANZ account while abroad via phone – balance sent via international transfer.”
ANZ Cancellation FAQs
Can I cancel an ANZ account or service immediately, or are there conditions?
You can cancel most ANZ accounts or services immediately, but only if certain conditions are met. For example, bank accounts must have a $0 balance and no pending transactions, while credit cards must be fully paid off. Personal loans can be closed early, though fixed-rate loans may incur fees. Always double-check the fine print, especially for joint accounts or fixed home loans, to avoid unexpected charges.
Will I be charged any fees when I cancel an ANZ product?
Some ANZ products have cancellation fees, especially loans and insurance policies. Variable personal loans and bank accounts typically close free of charge, but fixed loans may include a $300 admin fee and break costs. Insurance refunds are pro-rata minus a small admin fee. For home loans, expect a discharge fee and potential break costs if fixed. Always cancel just after any benefits (like interest credits) for better value.
What’s the fastest way to cancel an ANZ account or subscription?
The fastest way to cancel depends on the product-many can be closed over the phone or online. Use the ANZ Plus app for account closures, or call 13 13 14 for most services. Credit cards and insurance policies can also be cancelled via app chat or secure internet messages. Home loans require a discharge form and around 10 business days. To save time, have your ID and account details ready before calling.
Will I get a refund if I cancel my ANZ insurance or account mid-cycle?
Yes, partial refunds are common, but don’t expect full reimbursement. Insurance policies usually offer pro-rata refunds after the cooling-off period, minus a $30–$50 admin fee. For accounts or credit cards, any fees already charged (like annual or monthly fees) typically aren’t refunded. Plan your cancellation timing to avoid paying for unused days or forfeiting benefits like rewards points.
Tried to cancel but ANZ made it difficult?
We’ll help you submit a formal cancellation they can’t ignore.