ANZ's banking system has been hit by a series of glitches this afternoon.
Fairfax believes that the ongoing problems affect phones, mobile phones, internet banking, internal systems and branches. The problem first emerged at 1pm (AEDT) and lasted half an hour, the bank confirmed.
Later, just before 2pm (AEDT), the bank said that the system was down again and that it was investigating the issues.
"We would like to apologise to our customers for the inconvenience we know this problem is causing," said a spokesman for the bank.
One customer said his ANZ cards had been declined while trying to make a purchase at a hardware store.
"I was in a Bunnings store around lunchtime today and my Visa card and savings card were both denied due to 'over card limit' error," said Scott Mcleod of Castle Hill, NSW.
"Of course the funds in my account were ample but it was a very embarrassing situation as I was told I did not have funds to cover the transaction in front of a large queue," he said. "The bank's phone services were also closed."
"I think it is back to $100 dollar notes under the mattress for me," Mr Mcleod said.
Late last year, ANZ had to temporarily disable parts of its online account service after a security flaw was discovered.
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