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Compare savings accounts

We offer a range of savings accounts to suit your savings goals and needs.

Deposits

Loan info

Summary

Account overview

An interest earning account that gives you the flexibility to access your savings via your linked ANZ everyday banking account.disclaimer

Be rewarded for regular saving. Earn bonus interest when you make a single deposit of $10 or more in a month and no withdrawals.disclaimer

Manage your investment cash flow or hold funds for your next investment opportunity. Earn tiered interest  and have easy access to your money.

Included ANZ Transactions per month

Unlimited access to ANZ's ATM balance enquiries and deposit transactions, ANZ Phone & Internet Banking disclaimer

Unlimited Internet Banking

One fee free ANZ Transaction* as defined in the ANZ Personal Banking Account Fees and Charges (PDF 190kB) bookletdisclaimer

*Bonus interest will not apply for the month if you make a withdrawal

Unlimited Internet Banking

5 free ANZ Transactions as defined in the ANZ Personal Banking Account Fees and Charges (PDF 190kB) bookletdisclaimer

Using your savings account

You can bank 24/7disclaimer with:

You can bank 24/7disclaimer with:

You can bank 24/7disclaimer with:

Required linked account

ANZ everyday accountdisclaimer

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Overseas applications

If you're overseas you can apply before you arrive. Learn more>

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Important numbers

Interest rate

 + 
(Base Rate + Bonus Ratedisclaimer)

Earn bonus interest when you make a single deposit of $10 or more in a month and no withdrawals.

Tiered interest rates between:

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Tiered rates
Amount Tiered interest rate*

$1-$9,999

$10,000 - $24,999

$25,000 - $49,999

$50,000 - $99,999

$100,000 - $249,999

$250,000 - $499,999

$500,000 - $4,999,999

$5,000,000 plus

*Tiered interest rates mean you will earn different rates of interest depending on the balance of your account. If your account balance is above a certain level, we will pay a higher rate of interest on the whole balance.

Introductory bonus offers

% p.a.

3 month introductory bonus interest in addition to standard interest for eligible customersdisclaimer

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Monthly account service fee

$0 (Monthly account service fees may apply to your linked everyday account)disclaimer

$0

$0

Minimum opening balance

$0

$10

$10,000disclaimer

Minimum ongoing balance

$0

$10

$1,000


Guides to help you save

Saving tips

We've put together some helpful tips to help you start saving and make saving part of your daily routine. Learn more about saving regularly

Create a budget

Follow these simple steps to create a budget, take control of your spending and reach your savings goals. Create your personal budget plan

Tax refund or financial windfall

Whether you've received an inheritance, employment bonus or lottery win, we have some smart ideas for how to make the most of your financial windfall. Find out what you could do with your tax refund or financial windfall

Earning interest

Discover how interest is calculated for our everyday accounts, savings accounts and term deposits. Learn more about how interest works and is calculated

 

Read more guides

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 ANZ Savings and Transaction Product Terms and Conditions (PDF 408kB) and the Financial Services Guide (PDF 104kB) which are available at anz.com or by calling 13 13 14, before deciding whether to acquire, or continue to hold, the product. Fees, charges and eligibility criteria apply.

The ANZ App is provided by Australia and New Zealand Banking Group Limited (ANZ) ABN 11 005 357 522. Super, Shares and Insurance (if available) are not provided by ANZ but entities which are not banks. ANZ does not guarantee them. This information is general in nature only and does not take into account your personal objectives, financial situation or needs. ANZ recommends that you read the ANZ App Terms and Conditions available here for iOS and here for Android and consider if this service is appropriate to you prior to making a decision to acquire or use the ANZ App.

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ANZ Online Saver is only available to customers who open or who are the account holders of, or signatories to, eligible ANZ everyday banking accounts with ANZ Internet Banking or ANZ Phone Banking access. Eligible accounts include ANZ Access Advantage, ANZ Access Select, ANZ Access Basic, ANZ Pensioner Advantage, ANZ Progress Saver, ANZ V2 PLUS, ANZ Premium Cash Management Account and ANZ Everyday Visa Debit. Terms and conditions and fees and charges apply to the eligible account.

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Balance enquiries and deposit transactions in relation to an ANZ Online Saver account through an ANZ ATM may only be made via ANZ ATMs in Australia.

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 Fees and charges apply. Please refer to ANZ Personal Banking Account Fees and Charges (PDF 180kB) for fees and charges that apply.

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The ANZ App is provided by Australia and New Zealand Banking Group Limited (ANZ) ABN 11 005 357 522. Super, Shares and Insurance (if available) are not provided by ANZ but entities which are not banks. ANZ does not guarantee them. This information is general in nature only and does not take into account your personal objectives, financial situation or needs. ANZ recommends that you read the ANZ App Terms and Conditions available here for iOS and here for Android and consider if this service is appropriate to you prior to making a decision to acquire or use the ANZ App.

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Open your first ANZ Online Saver account and you'll receive an introductory fixed bonus rate of % p.a. for 3 months, on top of the ANZ Online Saver standard variable rate (currently ).  After 3 months, the ANZ Online Saver standard variable rate, applicable at that time, will apply. The introductory fixed bonus rate is only available on the first ANZ Online Saver account opened by customers who have not held an ANZ Online Saver in the last 6 months. In case of joint account holders, the introductory fixed bonus rate offer will only be received if all customers are eligible.

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Bonus interest is subject to eligibility. 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 that calendar month, and after the last business day of the previous calendar month. Bonus and base rates are variable and subject to change.

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One fee-free ANZ Transaction per month. Additional ANZ Transactions charged as: Electronic Transactions $1.00 each, Staff Assisted Transactions $2.50 each. ANZ Internet Banking transactions are free. ANZ Transactions, Electronic Transactions, Staff Assisted Transactions and Internet Banking Transactions are defined in the ANZ Personal Banking Account Fees and Charges (PDF 132kB) booklet. Any withdrawals in a particular month, including those that are free of charge, will disqualify you from bonus interest for that month.

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Additional ANZ transactions charged as: Electronic transactions $0.50 each, staff assisted transactions $2.50 each, cheque transactions $0.50 each. Other fees may apply (including non-ANZ ATM operator fees, overseas ATM fees and overseas transaction fees). Please refer to the ANZ Personal Banking Account fees and Charges booklet (PDF 190kB) for definitions of ANZ transactions, electronic transactions, staff assisted transactions and cheque transactions, and for fees and charges that apply.

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If the balance falls below $10,000 then 0% interest will be earned. If the balance falls below the $1,000 we may request that the account be closed.

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