ANZ Smart Choice Super.
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Set up in just five minutes,
in app or online.
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.
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Stay alert to scams
Scams are growing more complex and sophisticated. Check the latest reported scams and learn how to protect yourself, your family and your money.
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.
ANZ Low Rate
A credit card with a low ongoing interest rate for your everyday purchases.
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.
Calculators and tools
ANZ App
Activate your eligible card, set your PIN, better understand your spending, set a savings goal and so much more.
Mobile payments
Add an eligible ANZ card to your compatible phone or wearable and start making easy, contactless payments.
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.
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.
Financial Hardship
If you are experiencing difficulty with managing repayments to your existing loan facilities, including credit cards, personal loans and overdraft facilities, there may be ways we can help you.
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.
“ANZ Smart Choice Super” is a suite of products consisting of ANZ Smart Choice Super and Pension (PDF), ANZ Smart Choice Super for employers and their employees (PDF) and ANZ Smart Choice Super for QBE Management Services Pty Ltd and their employees (PDF). The ANZ Smart Choice Super and Pension product is distributed by Australia and New Zealand Banking Group Limited (ANZ) (ABN 11 005 357 522). We recommend that you read the ANZ Financial Services Guide (PDF), before deciding whether to acquire or continue to hold this product. View the ANZ Smart Choice Super and Pension Target Market Determination (PDF). ANZ Smart Choice Super for employers and their employees and ANZ Smart Choice Super for QBE Management Services Pty Ltd and their employees are MySuper compliant products issued pursuant to the latest PDS available at anz.com/smartchoicesuper. View the ANZ Smart Choice Super for employer and their employees Target Market Determination (PDF). ANZ Smart Choice Super is part of the Retirement Portfolio Service (the Fund) (ABN 61 808 189 263) and is issued by OnePath Custodians Pty Limited (ABN 12 008 508 496, AFSL 238346, RSE L0000673) (OPC), the trustee of the Fund. OPC is a member of the Insignia Financial Group of companies, comprising Insignia Financial Ltd (formerly IOOF Holdings Ltd) ABN 49 100 103 722 and its related bodies corporate (Insignia Financial Group). The Australia and New Zealand Banking Group Limited (ANZ) (ABN 11 005 357 522) brand is a trademark of ANZ and is used by OPC under licence from ANZ. ANZ and the Insignia Financial Group of companies (including OPC) are not related bodies corporate. ANZ does not stand behind or guarantee these products. Before re-directing your super or moving your money into ANZ Smart Choice Super, you will need to consider whether there are any adverse consequences for you, including loss of benefits (e.g. insurance cover), investment options and performance, functionality, increase in investment risks and where your future employer contributions will be paid.
The ANZ App is provided by Australia and New Zealand Banking Group Limited (ANZ) ABN 11 005 357 522. Super 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 (PDF) and here for Android (PDF) and consider if this service is appropriate to you prior to making a decision to acquire or use the ANZ App.
Images and features shown are iOS versions. Feature availability and design may differ based on the device, operating system, or ANZ Plus app version.
Eligibility criteria applies to the Special Offer discount for ANZ Simplicity PLUS, including $50,000 or more in new or additional ANZ lending. Offers can be withdrawn or changed anytime.
ReturnOther 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.
ReturnConsider if right for you. Eligibility criteria, fees, charges and T&Cs apply. Different interest rates apply to different investment amounts, terms and interest frequencies. Early withdrawal fees will apply and the account will incur an interest reduction in respect of the money withdrawn or transferred early. Rates current as at and are subject to change.
ReturnEarly 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 you withdraw or transfer early. Refer to ANZ Saving & Transaction Products Terms and Conditions (PDF 553kB).
ReturnDifferent interest rates apply to different investment amounts, terms and interest frequencies. Rates current as at and are subject to change. Early withdrawal fees will apply and the account will incur an interest reduction in respect of the money withdrawn or transferred early. Refer to ANZ Saving & Transaction Products Terms and Conditions (PDF 553kB). 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). 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 in accordance with the ANZ Saving & Transaction Products Terms and Conditions (PDF 553kB). If you may have a need in the future to immediately withdraw or transfer funds, other deposit products may be more suitable for you.
ReturnThe annual fee is currently $58 (as at ) but is subject to change. For applicable fees and charges please see the ANZ Personal Banking Account Fees and Charges (PDF).
ReturnA 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.
ReturnEarly 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.
ReturnInterest 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, 4, 6, 9, 11 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, 9 and 12 months as well as all term lengths of greater than 12 months.
ReturnThe 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).
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