skip to log on skip to main content
VoiceOver users please use the tab key when navigating expanded menus


anz@work is an employee benefits program for businesses with 10 or more employees, offering your staff benefits on a range of banking services.

Enquire now

A big plus for your employees that's better for your business

Benefits for your business

anz@work is a holistic program that can align with your recruitment, engagement and well-being strategies to help enhance your position in the marketplace as an employer of choice.

Benefits for your employees

anz@work offers a comprehensive range of banking products and services along with regular visits from ANZ bankers to your workplace for your staff.

Tailored to individual needs

Your employees can choose from any combination of anz@work benefits and products, giving them flexibility to tailor their banking to their particular needs.

Who is anz@work for?

All of your employees are eligible for anz@work when they deposit their salary into an ANZ account. If they are not an existing ANZ customer, our dedicated switching team is there to help.

Empower your employees to improve their financial wellbeing

 anz@work starts with a one-on-one conversation with an ANZ Personal Banker, who will provide employees with the information they need to make more informed decisions about their financial future. On site seminars can also be arranged to enhance employee's financial knowledge.

Find out more

Your employees can choose the benefits they want



Everyday banking

Monthly account service fee waived (usually $5) on one nominated ANZ Access Advantage accountdisclaimer.

Bonus interest on select ANZ Term Depositsdisclaimer and ANZ Progress Saver Accountsdisclaimer.

ANZ First Visa

Pay no Annual Account Fee for the first 12 monthsdisclaimer.

ANZ Low Rate

0% p.a. for the first 15 months on balance transferred from a non-ANZ credit carddisclaimer. No Balance Transfer Fee.

ANZ Rewards Platinum and ANZ Rewards Black

Receive 50,000 bonus Reward Points when you spend $2,500 on eligible purchases in the first 3 months and no annual fee for the first yeardisclaimer.


ANZ Breakfree Packagedisclaimer

  • Annual Breakfree package fee ($395) waived for the first yeardisclaimer in addition to the standard Breakfree benefits

$0 Loan Approval Fee on new ANZ Personal Loans.disclaimer

Wealth creation and protection

  • Discount on first year premium when you take out ANZ Home Insurance, ANZ Landlord Insurance or ANZ Car Insurancedisclaimer
  • Discount on your premium when you take out ANZ Mortgage Protection or ANZ Loan Protectiondisclaimer

Discounted brokerage for ANZ Share Investingdisclaimer.

Discount of 0.65% p.a. off the standard variable rate or 0.50% p.a. off the standard fixed rate (min credit limit of $20,000) with ANZ Share Investment Loans.disclaimerdisclaimer


$11 card issuance fee is waived.

  • $5 cash pack fee is waived
  • $0 commission on buying or selling foreign currencydisclaimer

 For more information about anz@work benefits visit our site.   Learn more

Need help with your current anz@work program? 8am - 8pm    1300 134 603


Use this to

Any advice does not take into account your personal needs and financial circumstances and you should consider whether it is appropriate for you.

ANZ recommends you read the Terms and Conditions and the Financial Services Guide (PDF 76kB) before acquiring the product.

Temporary service interruptions may occur. Technical requirements apply.

The benefit applies to one nominated new or existing ANZ Access Advantage account when you have your salary directly credited to this account.

Back to top

Different interest rates apply to different investment amounts, terms and interest frequencies. Restrictions, fees and interest reductions apply to early withdrawals from Term Deposits. Refer to ANZ Saving and Transaction Products Terms and Conditions(PDF 380kb). ANZ reserves the right to amend or withdraw bonus interest offers at any time without prior notice. Bonus offer is not available in conjunction with any other specials.

Back to top

A special bonus interest rate is available to anz@work customers. ANZ Progress Saver pays bonus interest (in addition to the current variable base interest) in respect of a particular month if the set minimum deposit (currently $10) and no withdrawals, fees or charges are processed to the account on or before the last business day of the calendar month and after the last business day of the previous calendar month. Bonus and base rates are subject to change. ANZ Saving and Transaction Product Terms and Conditions are available on application or at

Back to top

The ANZ First annual account fee will be waived for the first year for new and approved applicants under the anz@work program. After the first year an annual fee of $30 applies. This fee is current as of  and is subject to change. The fee information displayed on this page applies to new customers only. Existing customers may be subject to different fees and should call 13 22 73 for information regarding the fees that apply to their account. ANZ reserves the right to withdraw this offer.

Back to top

Reverts to standard balance transfer rate, currently   

Back to top

The Total Annual Fee, and any Additional Cardholder Fees and Rewards Program Services Fees applicable to additional cardholders on the account, will be waived for the first year. After the first year for ANZ Rewards Platinum a Total Annual Fee of $95 applies, which includes a $40 Annual Account Fee and a $55 Rewards Program Service Fee. For ANZ Rewards Black a Total Annual Fee of $375 applies, which includes a $320 Annual Account Fee and a $55 Rewards Program Service Fee. For additional cardholders on ANZ Rewards Platinum and ANZ Rewards Black, an Additional Cardholder Fee of $10 and Rewards Program Services Fee of $55 will apply per additional cardholder on the account. These fees are current as at  and are subject to change. The fee information displayed on this page applies to new customers only. Existing customers may be subject to different fees and should call 13 22 73 for information regarding the fees that apply to their account.

Offer available to new and approved applicants who apply for an ANZ Rewards Platinum or ANZ Rewards Black credit card account. This is a limited time only offer which may be withdrawn or changed at any time without notice. Not available in conjunction with other offers, packages or promotions, or when transferring from an existing ANZ credit card or where you currently hold or have closed an ANZ Rewards, ANZ Rewards Platinum or ANZ Rewards Black credit card within the previous twelve months. This offer applies only once per eligible customer. Your application must be approved and you must activate the card and make $2,500 worth of eligible purchases within three months of approval to receive the bonus Reward Points. Eligible Purchase means purchases which are eligible to earn Reward Points. Purchases which are not eligible to earn Reward Points are described in the ANZ Rewards – Rewards Program Terms and Conditions booklet, for example fees, cash, cash equivalent transactions, balance transfers and transactions for gambling or gaming purposes will not earn Reward Points. The bonus Reward Points will be credited to your ANZ account within two months of the eligible spend criteria being met. If you transfer or cancel your new ANZ Rewards Platinum or ANZ Rewards Black credit card account before the introductory bonus Reward Points are processed to your account, you may become ineligible for these bonus Reward Points. ANZ will not be liable for any loss or damage whatsoever resulting from a delay in the process of receiving and/or approving an application or activating the card.


Back to top

Annual package fee is currently $395.00 and subject to change. Eligibility criteria ANZ Breakfree Terms and Conditions (PDF 80kb) apply. ANZ Breakfree Benefits package only apply while you maintain the package and meet ongoing eligibility criteria.

Back to top

The first year annual fee waiver is available for new Breakfree customer only. ANZ will not refund any fees already paid.

Back to top

A minimum loan amount of $5,000 applies.

Back to top

References to insurance premium amounts for the purposes of calculating the applicable ANZ Breakfree Package and anz@work benefits exclude any stamp duty, GST and other government fees, charges or levies components that are included in the total premium amount paid by you.  To be entitled to a discount on your insurance you must notify the insurer at the time of application. Please note for ANZ Home Insurance , ANZ Landlord Insurance and ANZ Car Insurance the discount is only applicable to the first year's premium. These discounts are not available in conjunction with any other discount offer made by ANZ or any OnePath entities. ANZ Home Insurance, ANZ Landlord Insurance and ANZ Car Insurance are issued by QBE Insurance (Australia) Limited (QBE) ABN 78 003 191 035 (AFSL 239545). The life benefits in ANZ Mortgage Protection and ANZ Loan Protection are issued by OnePath Life Limited (OnePath Life) (ABN 33 009 657 176, AFSL 238341); the disability and involuntary unemployment benefits are issued by QBE.  The rebate applies to eligible policies which are ANZ Home Insurance Buildings cover, ANZ Home Insurance Contents cover, ANZ Landlord Insurance and ANZ Car Insurance and is subject to the  terms and conditions set out in the PDS for each product. This offer is also available to ANZ customers outside the anz@work program. These products are not a deposit or other liability of ANZ or its related group of companies and none of them stands behind or guarantees the issuers or the products. You should consider the relevant Product Disclosure Statement (available at or by calling 13 16 14) in deciding whether to acquire or continue holding these products.

Back to top

Share Investing Limited ABN 93 078 174 973 AFSL No.238277, an ASX and Chi-X Australia Market Participant, is the provider of the ANZ Share Investing service. Execution, settlement and clearing is undertaken by Share Investing Limited. Share Investing Limited is a subsidiary of Australia and New Zealand Banking Group Limited ABN 11 005 357 522 (ANZ) but is not an authorised deposit-taking institution under the Banking Act. When you become a customer of Share Investing Limited, it will open an ANZ Cash Investment Account (Cash Account) on your behalf. ANZ is the issuer of the Cash Account. Apart from any deposits in the Cash Account, the obligations of Share Investing Limited do not represent deposits or other liabilities of ANZ. ANZ does not guarantee the obligations of Share Investing Limited.

Back to top

Leveraging a share portfolio is fast becoming a popular wealth creation strategy. However, you should be aware that whilst leveraging into investments increases the potential return, it is important to recognise that it can also multiply the effects of losses. We therefore strongly advise you talk to your financial planner, tax adviser and/or stockbroker and ensure you understand the risks, the specific tax implications as well as the legal and financial ramifications of a share investment lending facility.

Back to top

ANZ Smart Choice Super and Pension is issued by OnePath Custodians Pty Limited (ABN 12 008 508 496, AFSL 238346, RSE L0000673), a wholly owned subsidiary of ANZ. This product is not a deposit or other liability of ANZ or its related group of companies and none of them stands behind or guarantees investments in the product. Temporary service disruptions may occur.

Back to top

ANZ Self Managed Super is offered by ANZ Self Managed Super Limited ACN 092 030 352 (ANZ SMSL), an authorised representative of RI Advice Group Pty Ltd ABN 23 001 774 125 AFSL 238429 (‘RI Advice’). ANZ SMSL and RI Advice are wholly owned, but non guaranteed subsidiaries.

Back to top

Transactions in excess of $1000 AUD equivalent are only available to ANZ personal customers who are defined as individuals who hold a Saving and Transaction, Credit Card, Everyday Visa Debit, Consumer Lending and/or Investment Lending Product. ANZ Cash sell rate will be applicable for the total value of packs purchased. Loose foreign currency and ANZ Cash Packs are available at ANZ branches, ANZ Foreign Exchange centres and via ANZ Phone Banking and are subject to stock availability. Standard product terms and conditions apply.

Back to top