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Financial wellbeing 

Our industry has a role to play in fostering the greatest possible financial wellbeing of everyone in our community. We already reach millions of people with our products and services. We have a unique opportunity to support people more effectively to develop their money skills and confidence, particularly through everyday conversations with our customers. We also have a responsibility to apply our marketing influence in a responsible way, to raise awareness of how to improve financial wellbeing and build resilience for the future.

Our targets

We are committed to improving the financial wellbeing of our people, customers and communities by helping them make the most of their money throughout their lives. To do this we will:

  • Help enable social and economic participation of 1 million people by 2020 through our initiatives to support financial wellbeing, including our financial inclusion, workplace participation and diversity and community programs, and targeted banking products and services for small business and retail customers.
  • Build a diverse and inclusive workforce by:
    • increasing the representation of Women in Leadership to 34.1% by 2020 and
    • recruiting >1,000 people from under-represented groups including Indigenous Australians, people with disability and refugees, by 2020.

We publicly report on our progress against these targets in our ESG reporting.

Our approach to Accessibility and Financial Inclusion

Our focus on financial wellbeing has presented an opportunity to refresh our approach across a range of initiatives and for the first time, bring together our commitments to financial inclusion and accessibility in one place. Specific financial inclusion commitments in this document form the most recent iteration of our Financial Inclusion Action Plan (FIAP). The FIAP partnership group, led by Good Shepherd Microfinance, supports organisations to develop meaningful actions and to measure their social and economic impact.

Our financial wellbeing programs

We have developed financial wellbeing programs in consultation with community partner organisations and government. These programs aim to provide real social benefits to the community by improving financial inclusion and capability of lower income individuals. 

Saver Plus

A matched savings and financial education program, Saver Plus supports the development of a lasting savings habit. The program provides eligible participants with an opportunity to have every dollar saved (up to $500) matched by ANZ for education-related expenses.


A flexible education program for adults seeking to build money management skills, knowledge and confidence.


An adaption of MoneyMinded specifically developed to build the money management skills and confidence of Indigenous Australians, particularly those living in remote communities.

Adult financial wellbeing research

Our financial inclusion and capability programs are backed by regular research into levels of adult financial literacy and wellbeing. First published in 2003, the ANZ Survey of Adult Financial Literacy looked at changes in financial knowledge, attitudes and behaviours over time.

In 2018, our survey evolved to encompass a broader view of financial wellbeing, informed by the work of international and domestic thought leaders. The research has been conducted in Australia and New Zealand.