Dispute an ATM, EFTPOS or Visa Debit transaction

Last updated: 09/03/2018 01.49 PM

How do I dispute an ATM, EFTPOS or Visa Debit transaction?

We recommend you try contacting the merchant you made the purchase with before submitting a dispute.

To dispute a transaction on your ANZ account you must be the cardholder on the account. The dispute must also be submitted within 60 days of the transaction. You can still contact us after 60 days to tell us if you believe there are errors or transactions you haven't authorised. We'll work with you to help resolve the issue for you if possible. However, we do not accept any responsibility for the loss.

Note: A different process is followed for disputing ATM deposits.


Submitting a dispute

  1. Download and complete the Customer Transaction Dispute Form (PDF, 280kB)
  2. Save the completed PDF to your local drive (otherwise the information entered will be lost)
  3. Send the form by either:
    • Emailing to: anzdisputes@anz.com
    • Faxing to: 0800 227 3269 (+64 4 495 3216 from overseas) 
    • Mailing to: ANZ Chargebacks and Disputes, PO Box 39384, Wellington Mail Centre, Lower Hutt, 5045
  4. ANZ will investigate the dispute within 20 business days on receipt of the dispute form. Should this take any longer, you'll be notified and provided a reason for the delay.
  5. ANZ will endeavor to notify you within the following timeframes:

Domestic ATM disputes

Once the dispute has been investigated you will receive a letter within 3-5 business days advising of the outcome.

Domestic EFTPOS disputes

Once the dispute has been investigated we'll contact you by phone with the outcome.

International EFTPOS/ATM disputes

Once the dispute has been investigated we'll contact you by email or phone with the outcome.


  1. Contact us on 0800 269 296 to complete a customer transaction dispute form over the phone.


We are unable to guarantee any reversals.

  • If the dispute is successful, a credit will be applied to your account.
  • If the dispute is unsuccessful, you will be advised in writing and charged a $15 dispute fee (per event, multiple transactions are covered by the single fee)

Contact us

By phone

on 0800 269 296

6am to 12 midnight,
7days a week


Contact us online

Visit an ANZ branch

Find your nearest branch