Wallets/anz-australia
ANZ (Australia and New Zealand Banking Group)
0 standards supported
Overview
ANZ (Australia and New Zealand Banking Group) is one of Australia's Big-4 banks + Pacific banking leader [1, 2, au-cro]. 2025 baseline: 4M+ ANZ Australia app users + 1M+ ANZ Plus users.
Distinctive ANZ Plus positioning [3, 4]:
- 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) [3].
2025 — 4M+ ANZ Australia app users + 1M+ ANZ Plus users [1, 3].
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 + [[osko-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
- 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:
- [[cba]] (Commonwealth Bank of Australia; CBA; AU Big-4 + Australia's largest bank by customers)
- [[nab]] (National Australia Bank; NAB; AU Big-4; WeMoney Bank of the Year 2025)
- [[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]] (Batch 29 covered; Bendigo and Adelaide Bank challenger digital bank)
- [[afterpay]] + [[zip-pay]] (AU BNPL)
- [[wise]] + [[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]] (AU Big-4 rival; WeMoney Bank of Year 2025) | [[westpac]] (AU Big-4 rival; 3M+ users; #1 Forrester DXR for 3rd year) | [[cba]] (AU Big-4 + Australia's largest by customers comparable) | [[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 [1, 2]:
- 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 The ANZ App — ANZ
- 2 ANZ Plus: A new way to bank — ANZ
- 3 ANZ Plus to debut Australia's first fully password-free web banking — Fintech Global May 6 2025
- 4 ANZ Bank to eliminate passwords for online banking by 2025 — ID Tech
- au-cro In-corpus:
reports/countries/AU-australia.md
Source
Biography extracted from anz-australia.md. See matrix.md for standards-support matrix if present.