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A message from ANZ’s CEO
With scams and fraud on the rise across Australia, our CEO has shared tips on what you can do to protect yourself, your family and your money.
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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
Rates and fees
Compare our latest interest rates and fees across bank accounts, home loans, personal loans and more.
Financial wellbeing
Struggling to save or to make ends meet? Let us help you with your financial wellbeing so you can meet your needs now and in the future.
Ways to bank
Bank the way that works for you. From phone and internet banking to the ANZ App and smart ATMs, get your banking sorted without the need for a branch.
Financial assistance
If you're unable to manage your ANZ repayments for loans, credit cards or overdrafts, apply for financial assistance so we can help you, short or long term.
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 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.
For ANZ Standard Variable rates the applicable discount from the index rate is 1.20% p.a. for loans with a Loan to Value Ratio (LVR) of greater than 80% and 1.40% p.a. for loans with a LVR 80% or less. Further discounts may be available on standard variable rate loans dependent on your LVR which is determined by the size of your deposit or equity position. Equity in your home is calculated as the difference between the value of your home and the amount you have left to pay on your home loan at the time the calculation is performed. Property value is ANZ's valuation of the security property and may be different to the price you pay for a property. 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).
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.
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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