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ANZ Plus

Introducing ANZ Plus

Smart, secure and designed to build better financial habits, ANZ Plus can help you take your financial wellbeing to the next level.

Explore ANZ Plus

Get it done with ANZ

Open a new everyday account

Easy, secure access to your money for all your day-to-day payments, purchases and bills.

Get started

ANZ Frequent Flyer Black

Our most rewarding Qantas experience with uncapped Qantas Pointsdisclaimerearning.

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Quick Start Home Loan Application

Get started in just 5 minutes. Apply for pre-approval, a new home loan, refinance or top up your existing ANZ home loan. 

Apply online

Calculators and tools


Activate your eligible card, set your card PIN, open new accounts, set a savings goal and so much more.


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Mobile payments

Add an eligible ANZ card to your compatible phone or wearable and start making easy, contactless payments.


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Get the latest updates, tips and support on home loan rate changes

We get it, as interest rates change it’s more important than ever that you feel financially confident and on top of your home loan.

See our latest rate change announcement following the most recent RBA cash rate change.

We explain what it means for you, how you can check your interest rate and options for managing your home loan repayments. You can also get in touch with us if you have concerns or questions.

ANZ Support Centre

Need help with digital banking? Or with a product or service of ours? Or perhaps you’re experiencing financial difficulty? If it’s support that you’re after, you should find it here.

Get support 

More from ANZ

Plan your next move

Use our Content Navigator to explore general tips, calculators and guides that may help you with your financial goals.

Financial wellbeing

Improve your financial behaviours and get back on top of things at your own pace with our Financial Wellbeing Program.

Rates and fees

Compare our latest interest rates and fees. Then download our terms and conditions so that you're completely in the know.

Ways to bank

Bank the way that works best for you with a range of tools that are easy to use. Learn about ANZ Internet Banking, the ANZ App, phone banking and more.

Need a helping hand?

If you’re experiencing challenging circumstances or struggling financially, we urge you to seek help.

Continuing to help where we can

Get the latest information on our COVID-19 response at

Advice does not take into account your personal needs, financial circumstances or objectives. Please consider if it is appropriate for you and read the terms and conditions, Product Disclosure Statement and Financial Services Guide before acquiring any product. See ANZ Plus Terms & Conditions for ANZ Plus and ANZ Save accounts. Applications for credit subject to approval. Terms and conditions available on application. Fees and charges 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 Labels and Conditions available here for iOS (PDF 381kB) and here for Android (PDF 340kB) and consider if this service is appropriate to you prior to making a decision to acquire or use the ANZ App.

Content on this page is accurate as at 16 November 2021 and is subject to change.

Images and features shown of ANZ Plus are iOS versions. Feature availability and design may differ based on the device, operating system, or ANZ Plus app version. The Searching for Tagged Transaction feature is currently available on iOS only.

Other home loan fees including Late Payment Fee, Lock Rate Fee, Early Repayment Cost (Fixed Rate Loans) and ANZ Equity Manager facility fee still apply. Loan security fees including Lodgement Fee, Production Fee, Settlement Fee and Search Fee still apply however will not be charged on establishment of a loan. Government fees and charges (including government search fees and stamp duty) may still apply.


The rate shown is the Simplicity PLUS Home Loan index less the applicable special offer discount. Rates are subject to change. Eligibility criteria apply to special offer discounts, including $50,000 or more in new or additional ANZ lending. Offers can be withdrawn or changed anytime.


Interest rates shown on this page are current as at  and are subject to change. For all applicable fees & charges please see the ANZ Personal Banking Account Fees and Charges (PDF 139kB)ANZ Personal Banking General Fees and Charges (PDF 155kB) and your letter of offer.


Comparison rate calculated on a loan amount of $150,000 over a term of 25 years based on monthly payments, including any applicable interest rate discounts. These rates are for secured loans only.

WARNING: This Comparison Rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate.

For interest only variable loans, the comparison rates are based on an initial 5 year interest only term. For fixed rate interest only loans, the comparison rates are based on an initial interest only period equal in term to the fixed period.


Property value is ANZ's valuation of the security property and may be different to the price you pay for a property.


The ANZ Personal Loans calculator is intended as a guide only and actual borrowing capacity may vary. Amounts calculated do not constitute a quote or loan approval by ANZ and does not take into account your personal or financial circumstances.


ANZ Home Insurance is issued by QBE Insurance (Australia) Limited (ABN 78 003 191 035, AFSL 239 545) (QBE). ANZ recommends that you read the ANZ Financial Services Guide (PDF 179kB), ANZ Home Building Key Facts Sheet (PDF 130kB)ANZ Home Contents Key Facts Sheet (PDF 130kB)ANZ Home Insurance Target Market Determination (PDF 199kB) and the ANZ Home Insurance Product Disclosure Statement (PDF 548kB) (available by calling 13 16 14), before deciding whether to acquire, or to continue to hold, these products.


Qantas Points and Bonus Qantas Points are earned and redeemed in accordance with the ANZ Frequent Flyer Reward Terms and Conditions booklet (PDF 122kB) (please call 13 13 14 for a copy). Certain transactions and other items are not eligible to earn Qantas Points, for details refer to the ANZ Frequent Flyer Reward Terms and Conditions booklet (PDF 122kB). Account Holder must be a member of the Qantas Frequent Flyer program to earn and redeem Qantas Points. A joining fee may apply. Membership of the Qantas Frequent Flyer program is subject to the Terms and Conditions of the Qantas Frequent Flyer program. Earn rates and earn rate bands are subject to change. Existing customers should call 13 13 14 for information regarding their account.


A minimum deposit of $5,000 is required to open an ANZ Advance Notice Term Deposit or an ANZ Term Deposit. This calculator has been set to a maximum deposit of $4,999,999. However, investments of $100,000 or more may be subject to different interest rates than those provided in this calculator. Please call 13 33 33 or visit your nearest ANZ Branch to discuss your term and interest rate for an investment of $100,000 or more.


Early withdrawal fees will apply. An administration fee of $30 will be charged and the account will incur an interest reduction in respect of the money withdrawn or transferred early. An ANZ Advance Notice Term Deposit has a 31 day notice period. This means that if you request an early withdrawal or transfer of all or part of your funds, the funds will not be provided until the 31st day after the request (or, where that is a non-business day, on or before the next business day). Refer to the ANZ Saving and Transaction Products Terms and Conditions (PDF 746kB) for further details.


Interest rates current as at  and subject to change at any time. Different interest rates apply to each term deposit product and to different investment amounts, term lengths and interest frequencies. Early withdrawal fees may apply. Certain rates do not qualify for additional bonus interest rates and are not available in conjunction with any other bonus or special interest rate offer. For Advance Notice Term Deposits, this applies to investment terms of 3, 6, 10 and 12 months, as well as all term lengths of greater than 12 months. For Term Deposits, this applies to investment terms of 3, 6 and 12 months as well as all term lengths of greater than 12 months.


The principal difference between an ANZ Advance Notice Term Deposit and an ANZ Term Deposit (apart from the interest rate that applies) is that you must provide 31 days’ notice to ANZ if you wish to make an early withdrawal or transfer of all or part of your funds from an ANZ Advance Notice Term Deposit account. Further details are set out in ANZ Saving and Transaction Products Terms and Conditions (PDF 746kB).