skip to log on skip to main content
VoiceOver users please use the tab key when navigating expanded menus

Continuing to help where we can

Get the latest information on our COVID-19 response at anz.com/covid-19.

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.
 

Learn more

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

ANZ App

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

 

Learn more 

Mobile payments

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

 

Learn more 

  

ANZ Plus

Banking reimagined

ANZ Plus will provide the tools, support and insights to help improve your financial wellbeing.

mobile app
   

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.

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. 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 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.

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

ANZ may provide pre-approval (also known as approval in principle or conditional approval) to eligible customers who apply for an ANZ home loan and complete an application form and satisfy any other applicable requirements. Pre-approval is an approval for a loan subject to conditions being met, including that security is satisfactory to ANZ. Australian Credit Licence Number 234527.

Return

Property price information in an ANZ Property Profile Report is an estimate (not a valuation), may not be available for all properties, is for personal domestic use only and may change daily. Actual sale prices may differ. The report is not personal advice and ANZ takes no responsibility for any error or omission.

Return

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.

Return

ANZ’s multi policy discount (MPD) is only available if you hold two or more of any of the following policies and are a named insured with the same name on each policy: ANZ Home Insurance, ANZ Landlord Insurance and ANZ Car Insurance (Eligible Policies). For two Eligible Policies, the MPD is 10%; for three or more the MPD is 12.5%. The MPD is calculated as a percentage discount of the annual base premium per policy. If you already hold one or more Eligible Policies, the MPD is applied to the newest policy immediately, and for existing policies upon next renewal. If you do not hold any Eligible Policies with us and purchase multiple Eligible Policies simultaneously, no MPD is applied to the first policy, a 10% MPD is applied to the second, a 12.5% is applied to each policy thereafter, and the relevant MPD of 10% or 12.5% will be applied to all policies (including the first) on renewal. The MPD rate is subject to change.

Discounts are applied across all premium components and are calculated before taxes and charges.

Return

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.

Return

ANZ Landlord Insurance is issued by QBE Insurance (Australia) Limited (ABN 78 003 191 035, AFSL 239 545) (QBE) and distributed by ANZ under its own license. ANZ recommends that you read the ANZ Financial Services Guide (PDF 179kB)ANZ Landlord Insurance Target Market Determination (PDF 208kB) and ANZ Landlord Insurance Product Disclosure Statement and Policy Document (PDF 709kB) (available online or by calling 13 16 14) before deciding whether to acquire, or to continue to hold, this product.

Return

ANZ Car 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 Car Insurance Target Market Determination (PDF 196kB) and ANZ Car Insurance Product Disclosure Statement and Policy Document (PDF 463kB) (available online or by calling 13 16 14) before deciding whether to acquire, or to continue to hold, this product.

Return

Qantas Points and Bonus Qantas Points accrue in accordance with and subject to the ANZ Frequent Flyer Reward Terms and Conditions booklet (please call 13 13 14 for a copy). Purchases which are not eligible to earn Points are described in the ANZ Frequent Flyer Reward Terms and Conditions booklet, for example interest charges, fees, cash advances, cash equivalent transactions, balance transfers and transactions for gambling or gaming purposes and reversed or refunded transactions will not earn Points. 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.

Return

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.

Return

Early withdrawal fees may 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 the next business day). Refer to the ANZ Saving and Transaction Products Terms and Conditions (PDF 746kB) for further details.

Return

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.

Return

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).

Return
Top