ANZ Bank Accounts

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.

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).

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. 

Refer to ANZ Savings & Transaction Products Terms and Conditions (PDF 408kB) for criteria. 

Rate is subject to change. The bonus interest rate offer is currently only available to new ANZ Online Saver customers who do not currently have an Online Saver account, and have not held an ANZ Online Saver account within the past 6 months from today’s date (“Exclusion Period”). Offer also not available to beneficiaries for an ANZ Online Saver account held on trust within the past 6 months. This offer adds  % p.a. bonus interest rate to the standard variable ANZ Online Saver interest rate (which as at  is  but is variable and subject to change) for 3 months from the account opening date. After 3 months, the bonus interest rate will revert to the then current standard variable ANZ Online Saver interest rate. Eligibility criteria, fees and charges and terms and conditions apply.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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. 

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.

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).

Mobile payments available on compatible devices and eligible ANZ cards. View the full list at anz.com/mobilepayments.

Terms and conditions apply to the use of Apple Pay.

Terms and conditions apply to the use of Android Pay.

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

Apple, Apple Pay and iPhone are trademarks of Apple Inc., registered in the U.S. and other countries. 

Android, Android Pay and the Android Logo are trademarks of Google Inc..

Terms and conditions apply to the use of ANZ goMoney®

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.

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.