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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.

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


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.

Examples are a guide only and subject to change. Equivalent value based on a sample of the Qantas Frequent Flyer Rewards that could be obtained by redeeming through the Qantas Frequent Flyer program and will vary depending on how and when points are redeemed. Classic Flight Rewards are available on Qantas, Jetstar and partner airlines. Classic Flight Reward seats are subject to capacity controls, availability is limited and some flights may not have any Classic Flight Rewards available. The Qantas Points, taxes, fees and carrier charges stated are accurate as at 5 May 2022 but may vary at the time of booking. Status Credits and Qantas Points will not be earned on Classic Flight Rewards. Visit Classic Flight Rewards for more information.


Eligibility criteria, terms and conditions, fees and charges apply. This offer is only available if you apply between 10 June 2022 and 19 August 2022 and if approved, settle by 31 January 2023. Only one 300,000 Qantas Points offer can be claimed by any one person. Only the first person to successfully claim on joint loans will be awarded Qantas Points. Qantas Points credited within 60 days after valid claim form redeemed with ANZ following loan settlement. See full Terms & Conditions (PDF 124kB).


The rate shown is the Simplicity PLUS Home Loan index less the applicable special offer discount for loans with a Loan to Value Ratio of 70% or less. 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.


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.


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).