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ANZ Bank Accounts

Your money, your way
 

We offer a range of everyday accounts, savings accounts and term deposits to suit your banking needs and support you at every stage.

 

 

 

 

 

 

Everyday banking and easy ways to save

Everyday banking

More ways to access your money

Savings accounts

Reach your saving goals

Term deposits

An easy way to invest and save

Easy ways to bank 24/7

Access what you need when you need it with our range of simple and secure digital banking tools.

Pay with your phone

Use your compatible iPhone®, Apple Watch or Android phone to tap and pay with your eligible ANZ cards when you're out and about.disclaimer

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ANZ goMoney®

Manage your money on the go with this simple everyday banking app.disclaimer Check balances, transfer between linked accounts, pay your BPAY® bills with ease and pay anybody using just their mobile number.disclaimer

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ANZ Internet Banking 

Complete online banking across multiple compatible devices. With ANZ Internet Banking you can manage your accounts, pay and transfer money, access online statements and a whole lot more.

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Life stages

Banking solutions for every stage of life

Kids banking

It's never too early to get your kids thinking about saving. Get them started today. Learn more

First job

Landed your first job? It's time to get your banking sorted so you can get paid. Don't worry, it's easy! Learn more

Travelling

If you're planning a trip we can help you save and get your money sorted before you leave. Learn more

Studying

You have enough to think about, banking should be easy. Check out our banking options for full-time students. Learn more

Changing jobs

If you're changing jobs it's the perfect time to sort out your finances and consider things like reviewing your banking and rounding up your super.disclaimer Learn more

Moving

Whether you're moving up, moving in or moving to Australia - we can help you get sorted. Learn more

 

More life stages 

Any advice does not take into account your personal needs and financial circumstances and you should consider whether it is appropriate for you. ANZ recommends you read the ANZ Savings and Transaction Product Terms and Conditions (PDF 408kB) and the Financial Services Guide (PDF 104kB) which are available at anz.com or by calling 13 13 14, before deciding whether to acquire, or continue to hold, the product. Fees, charges and eligibility criteria apply.

Rates and fees are current as at  and are subject to change.

goMoney and ANZ goMoney are registered trademarks of ANZ.

ANZ goMoney® for Android™ is only available in Google Play™. ANZ goMoney® for iPhone is only available from the App Store. iPhone is a trademark of Apple Inc., registered in the U.S. and other countries. App Store is a service mark of Apple Inc. Android, Google Play and the Google Play logo are trademarks of Google Inc.

BPAY®  is registered to BPAY Pty Ltd ABN 69079137518.

Eligibility criteria apply to the issue of ANZ Access Visa Debit card. Overseas transaction fees, overseas ATM transaction fees and non-ANZ operator fees may apply to foreign currency transactions where an ANZ Access Visa Debit card is accepted. Please refer to ANZ Personal Banking Account Fees and Charges (PDF 112kB) and ANZ Savings and Transaction Product Terms and Conditions (PDF 408kB) for details.

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On application for the waiver by an eligible customer, the monthly account service fee will be waived on one nominated ANZ Access Advantage account. For more information on Exemptions and Concessions please refer to ANZ Personal Banking Account Fees and Charges (PDF 180kB).

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Monthly account service fee waiver applicable to ANZ Access Advantage accounts opened on or after 30 November 2013 if you deposit $2,000 or more by the last business day of the calendar month. You must satisfy the monthly deposit requirement to be eligible for the waiver in a particular month. 

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Bonus rate offer is only available to new ANZ Online Saver customers who have not held an ANZ Online Saver account during the last 6 months, and apply using the Apply Now button on this page. This offer adds  % p.a. bonus interest rate to the standard variable ANZ Online Saver interest rate which as at  is  . The standard variable rate is subject to change, including during the bonus interest period. After 3 months, the rate will revert to the then current standard variable ANZ Online Saver interest rate. 

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For all applicable fees and charges please see the ANZ Personal Banking Account Fees and Charges (PDF 139kB) and ANZ Personal Banking General Fees and Charges (PDF 155kB). For ANZ Online Saver accounts, a monthly account service fee may apply to a linked ANZ everyday banking account.

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ANZ Online Saver is only available to customers who open or who are the account holders of, or signatories to, eligible ANZ everyday banking accounts with ANZ Internet Banking or ANZ Phone Banking access. Eligible accounts include ANZ Access Advantage, ANZ Access Select, ANZ Access Basic, ANZ Pensioner Advantage, ANZ Progress Saver, ANZ V2 PLUS, ANZ Premium Cash Management Account and ANZ Everyday Visa Debit. Terms and conditions and fees and charges apply to the eligible account.

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Bonus interest is subject to eligibility. ANZ Progress Saver pays bonus interest (in addition to the current variable base interest) in respect of a particular month if the set minimum deposit (currently $10) and no withdrawals, fees or charges are processed to the account on or before the last business day of that calendar month, and after the last business day of the previous calendar month. Bonus and base rates are variable and subject to change.

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For children under 12, a parent or guardian will need to open the account in Trust for the child. Customers aged 12 to 17 who can sign a consistent satisfactory signature can open an account in their own name or as a joint account with a parent or guardian.

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Rates are current as of  and are variable and subject to change. Tiered interest rate means you will earn different rates of interest depending on the balance of your account. If your account balance is above a certain level, we will pay a higher rate of interest on the whole balance.

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Tiered interest rate means you will earn different rates of interest depending on the balance of your account. If your account balance is above a certain level, we will pay a higher rate of interest on the whole balance.

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If the balance falls below $10,000 then 0% interest will be earned. If the balance falls below the $1,000 we may request that the account be closed.

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Additional ANZ Transactions charged as: Electronic Transactions $0.50 each, Staff Assisted Transactions $2.50 each, Cheque Transactions $0.50 each. ANZ Transactions, Electronic Transaction, Staff Assisted Transactions and Cheque Transactions are defined in the ANZ Personal Banking Account Fees and Charges (PDF 136kB) booklet.

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Special term rates do not qualify for additional bonus interest rates and are not available in conjunction with any other bonus or special interest rate offer. Rates current as at  and are subject to change.

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Different interest rates apply to different investment amounts, terms and interest frequencies. Early withdrawal fees may apply. Rates current as at   and are subject to change. 

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If you withdraw funds before the maturity date of a term deposit, 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 and Transaction Terms and Conditions.

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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). 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 Savings and Transaction Product Terms and Conditions (PDF 408kB). If you may have a need in the future to immediately withdraw or transfer funds, other deposit products may be more suitable for you. See Important Information (PDF 36kB).

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Mobile payments available on compatible devices and eligible ANZ cards. Terms and conditions apply. Find out more at anz.com/mobilepayments.

Terms and conditions apply to the use of ANZ Mobile Pay.

Terms and conditions apply to the use of Apple Pay. Apple, the Apple logo and iPhone are trademarks of Apple Inc., registered in the U.S. and other countries. Apple Pay is a trademark of Apple Inc. 

Terms and conditions apply to the use of Android Pay. Android, Android Pay and the Android Logo are trademarks of Google Inc.

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Terms and conditions apply to the use of ANZ goMoney®

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A combined daily transaction limit of $1,000 applies to Pay Anyone and Pay to Mobile transactions. Recipients require an account with an Australian financial institution to receive or collect payments.

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Before redirecting your super you will need to consider whether  there are any adverse consequences for you, including exit fees, other loss of benefits (e.g. insurance cover), increase in investment risks and where your future employer contributions will be paid. 

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