anz@work

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

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.

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 anz.com.

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.

The ANZ Low Rate Account Fee (“Annual 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 $58 applies. This fee is current as at  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.

Offer only available to new and approved credit card applicants who apply for an ANZ Low Rate credit card account with the balance transfer.  This is a limited time only offer which may be withdrawn or changed at any time without notice.  Offer available in respect of balances transferred from non-ANZ credit and store card accounts only.  Not available in conjunction with other offers, packages or promotions or in respect of balances transferred from an existing ANZ account.  ANZ will process the balance transfer requested and any applicable fees up to 95% of your available credit limit.  The balance transfer must be requested at the time of applying for the credit card.  The Balance Transfer Fee (which is a Specific Fee on the credit card account) is 2% of the balance transferred and will be applied at the time the balance is transferred and form part of the Promotional Plan balance.  The balance transfer Promotional Plan annual percentage rate expires 16 months after the date the credit card application is approved, and after the first 16 months the standard balance transfers annual percentage rate will apply to any unpaid Promotional Plan balance.   The standard balance transfers annual percentage rate is  for ANZ Low Rate as at  and is subject to change.  Terms and conditions apply to balance transfers.  Payments to your account are applied in accordance with the ANZ Credit Cards Conditions of Use.

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.

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.

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

Minimum amount financed is $7,500. All applications for credit are subject to ANZ’s normal credit assessment criteria.

A minimum loan amount of $5,000 applies.

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 anz.com or by calling 13 16 14) in deciding whether to acquire or continue holding these products.

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.

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.

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.

Temporary service disruptions may occur. ANZ goMoney is a registered trade mark of ANZ. Terms and Conditions apply, view them at goMoney.anz.com

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.

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.

BPAY is registered to BPAY Pty Ltd. ABN 69 079 137 518.