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ANZ Bank Accounts

Get on top of your money with our savings accounts, everyday transaction accounts and term deposits. Save, earn interest and manage your day-to-day payments, purchases and bills, online and on the go.


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Ready to get rewarded? Join Cashrewards Max

Join Cashrewards Max and link your eligible ANZ card to enjoy access to higher cashback offers, with a range of leading retailers, compared to the standard Cashrewards program.disclaimer

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Banking with us

Pay with your device

Use your compatible smartphone or wearable device to tap and pay with your eligible ANZ cards when you're out and about.disclaimer


Make the everyday a little bit easier and do your banking on the go. View balances, transfer money and make payments simply and easily.disclaimer

ANZ Internet Banking

Do your online banking on multiple compatible devices. You can manage your accounts, pay and transfer money, access online statements and a whole lot more.

Secure payments

We work 24/7 to keep your banking secure. Learn more about safeguarding your data and the steps we take to protect you and your money.

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Handy tips to help you get more out of your money. If you’re looking to budget better, spend less or save more, this is the place to get started.

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Banking solutions that meet life’s needs

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Kids banking

It’s always a good time to get your kids thinking about saving. Help them get started and learn good saving habits today.

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Student banking

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

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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!

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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 consolidating your super.disclaimer

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Saving for your first home

Save for your deposit sooner with help from our free ANZ First Home Coach and our simple three step guide.

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Whether you're moving house or moving to Australia - we can help you get sorted.

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

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Managing your self-managed super

Let us help make managing your SMSF cash easier, so you can focus on planning for your future.disclaimer

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Open a new bank account

Open an ANZ Access Advantage account with unlimited ANZ Transactions and Visa Debit accessdisclaimer and pay $5 monthly account service fee. This will be waived if you are under 25disclaimer, or deposit at least $2000 a monthdisclaimer or if you meet other eligibility criteriadisclaimer.

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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 Saving & Transaction Products Terms and Conditions (PDF 427kB) and the Financial Services Guide (PDF 112kB) which are available at 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.

Cashrewards Max customers who pay with their linked ANZ card may have access to higher cashback rates on selected offers compared to the standard Cashrewards program. Cashrewards Max is offered by Cashrewards and not ANZ. The Cashrewards account is not an ANZ account. Eligibility criteria, cashback redemption & withdrawal conditions and T&Cs apply.


Open your first ANZ Online Saver account and you'll receive an introductory fixed bonus rate of % p.a. for 3 months, on top of the ANZ Online Saver standard variable rate (currently ).  After 3 months, the ANZ Online Saver standard variable rate, applicable at that time, will apply. The introductory fixed bonus rate is only available on the first ANZ Online Saver account opened by customers who have not held an ANZ Online Saver in the last 6 months. In case of joint account holders, the introductory fixed bonus rate offer will only be received if all customers are eligible.


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

Terms and conditions apply to the use of Apple Pay, Google Pay, Samsung PayFitbit Pay and Garmin Pay.


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.


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. 


Eligibility criteria apply to the issue of ANZ Access Visa Debit card. Fees may apply (for example, overseas transaction fees, overseas ATM transaction fees and non-ANZ operator fees). Please refer to the ANZ Personal Banking Account Fees and Charges (PDF) and ANZ Saving & Transaction Products Terms and Conditions (PDF) for details.


You can apply us for us to waive the monthly account services fee on one nominated ANZ Access Advantage account if you are under 25. Fees and charges apply. Please refer to ANZ Personal Banking Account Fees and Charges (PDF) for fees and charges that apply.


Monthly account service fee waiver applicable to ANZ Access Advantage accounts 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. 


Eligibility criteria apply. 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).


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.


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 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.


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).