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Bank Accounts

Get on top of your money and explore our range of bank accounts:

  • Everyday accounts
  • Savings accounts
  • Term deposits
  • Kids banking

Go Next Level with ANZ Plus
With ANZ Plus you get two bank accounts that are designed to help you build your Financial Wellbeing and achieve your savings goals.

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See how ANZ Plus is different

Transact + Savings accounts

ANZ Plus
& ANZ Save

Available exclusively in the ANZ Plus App

Explore ANZ Plus

Transact account

ANZ Access Advantage

Not available in the ANZ Plus App

Find out more

Savings account

ANZ Online Saver

Not available in the ANZ Plus App

Find out more

Monthly account fee

No monthly account feedisclaimer

More about fees

$5

More about fees

No monthly account feedisclaimer

More about fees

Interest rate

You can earn interest this way until 1st September 2024, after which additional criteria will apply.

On ANZ Save balances only

More about interest

  • No interest is paid on this account.
disclaimer total rate*
*Standard variable rate + introductory bonus interest % p.a.disclaimer
Access & support
  • ANZ Plus App
  • Cardless cash from ANZ Smart ATMs with Digital Wallets
  • Deposit cash and cheques at ANZ Smart ATMs
  • Call or chat securely in-app with an ANZ Plus Coach to get expert support
  • ANZ Plus is branchless
  • ANZ App
  • Cardless cash from ANZ Smart ATMs with Digital Wallets
  • Deposit cash and cheques at ANZ Smart ATMs
  • ANZ Internet Banking
  • Call us or visit a branch
  • ANZ App
  • ANZ Internet Banking
  • Call us or visit a branch
Features
  • See your spend by merchant or category
  • Transaction search and tagging
  • Set and track multiple savings goals with the ANZ Save account
  • Interactive spending insights updated daily
  • Push notifications when you pay or get paid
  • See upcoming expensesdisclaimer
  • Smart money management tools built into the ANZ Plus App
  • See your spend by merchant or category
  • Transaction search
  • See your spend by merchant or category
  • Transaction search
  • Set and track a savings goal per account in the ANZ App
Payments
  • Pay bills with BPAY®
  • Pay and receive with PayID®
  • PayTo®
  • Pay Anyone Daily limit may be increased temporarily with Selfie ID to make large secure payments
  • Cardless payments with Digital Walletdisclaimer
  • Pay bills with BPAY
  • PayIDdisclaimer
  • PayTo
  • Pay Anyone Daily limits may vary between ANZ App and Internet Bankingdisclaimer
  • VoiceID in the ANZ App for secure payments over
    $1,000disclaimer
  • Cardless payments with Digital Walletdisclaimer
  • Pay bills with BPAY
  • PayIDdisclaimer
  • PayTo
  • Pay Anyone Daily limits may vary between ANZ App and Internet Bankingdisclaimer
  • VoiceID in the ANZ App for secure payments over
    $1,000disclaimer
ANZ Visa Debit Card Yes Yes
(For customers 12+ years of age with an Australian residential address)
No
Security
  • Secure log in and authentication with biometrics
  • ANZ Fraud Money Back Guaranteedisclaimer
  • ANZ FalconTM anti-fraud protection
  • Protection of your savings under the FCS schemedisclaimer
  • Temporarily block and unblock your card
  • Push Notifications for Transactions
  • Selfie ID verification
  • Secure payments with a dynamic CVV
  • 4-digit PIN for two factor authentication
  • ANZ Fraud Money Back Guaranteedisclaimer
  • ANZ FalconTM anti-fraud protection
  • Protection of your savings under the FCS schemedisclaimer
  • Temporarily block and unblock your card
  • ANZ Internet Banking Guaranteedisclaimer
  • ANZ Internet Banking Guaranteedisclaimer
  • Protection of your savings under the FCS schemedisclaimer
What you need to be eligible
  • 15+ years of age
  • For individual accounts and joint accountsdisclaimer
  • An Australian residential address
  • Australian passport, Australian driver’s licence or international passport
  • 12+ years of age
  • For individual or joint accountsdisclaimer
  • An Australian residential address
  • 12+ years of age
  • For individual or joint accountsdisclaimer
  • An Australian residential address
  • A linked eligible ANZ accountdisclaimer
 

Explore ANZ Plus

Find out more Find out more
Find an ANZ account that’s right for you

Transact + Savings account

 

ANZ Plus & Save

Available exclusively in the ANZ Plus App

Explore ANZ Plus

Monthly account fee

No monthly account feedisclaimer

More about fees

Interest rate

On ANZ Save balances only

More about interest

Access & support

  • ANZ Plus App
  • Cardless cash from ANZ Smart ATMs with Digital Wallets
  • Deposit cash and cheques at ANZ Smart ATMs
  • Call or chat securely in-app with an ANZ Plus Coach to get expert support
  • ANZ Plus is branchless

Features

  • See your spend by merchant or category
  • Transaction search and tagging
  • Set and track multiple savings goals with the ANZ Save account
  • Interactive spending insights updated daily
  • Push notifications when you pay or get paid
  • See upcoming expensesdisclaimer
  • Smart money management tools built into the ANZ Plus App

Payments

  • Pay bills with BPAY®
  • Pay with PayID®
  • Daily Pay Anyone limit up to $5,000 (option to increase up to $30,000)
  • Cardless payments with Digital Walletdisclaimer

ANZ Visa Debit Card

  • Yes

Security

  • Secure log in and authentication with biometrics
  • ANZ Fraud Money Back Guaranteedisclaimer
  • ANZ FalconTM anti-fraud protection
  • Protection of your savings under the FCS schemedisclaimer
  • Temporarily block and unblock your card
  • Push Notifications for Transactions
  • Selfie ID verification
  • Secure payments with a dynamic CVV

What you need to be eligible

  • 15+ years of age
  • For individual accounts
  • An Australian residential address
  • Australian passport, Australian driver’s licence or international passport

Transact account

 

ANZ Access Advantage

Not available in the ANZ Plus App

Find out more

Monthly account fee

$5

More about fees

Interest rate

Access & support

  • ANZ App
  • Cardless cash from ANZ Smart ATMs with Digital Wallets
  • Deposit cash and cheques at ANZ Smart ATMs
  • ANZ Internet Banking
  • Call us or visit a branch

Features

  • See your spend by merchant or category
  • Transaction search

Payments

  • Pay bills with BPAY®
  • PayID®disclaimer
  • Pay Anyone Daily limits may vary between ANZ App and Internet Bankingdisclaimer
  • VoiceID in the ANZ App for secure payments over $1,000disclaimer
  • Cardless payments with Digital Walletdisclaimer

ANZ Visa Debit Card

Yes
(For customers 12+ years of age with an Australian residential address)

Security

  • 4-digit PIN for two factor authentication
  • ANZ Fraud Money Back Guaranteedisclaimer
  • ANZ FalconTM anti-fraud protection
  • Protection of your savings under the FCS schemedisclaimer
  • Temporarily block and unblock your card
  • ANZ Internet Banking Guaranteedisclaimer

What you need to be eligible

  • 12+ years of age
  • For individual or joint accountsdisclaimer
  • An Australian residential address

Savings account

 

ANZ Online Saver

Not available in the ANZ Plus App

Find out more

Monthly account keeping fee

No monthly account feedisclaimer

More about fees

Interest rate

disclaimer total rate*
*Standard variable rate + introductory bonus interest % p.a.disclaimer

Access & support

  • ANZ App
  • ANZ Internet Banking
  • Call us or visit a branch

Features

  • See your spend by merchant or category
  • Transaction search
  • Set and track a savings goal per account in the ANZ App

Payments

  • Pay bills with BPAY®
  • PayID®disclaimer
  • Pay Anyone Daily limits may vary between ANZ App and Internet Bankingdisclaimer
  • VoiceID in the ANZ App for secure payments over $1,000disclaimer

ANZ Visa Debit Card

No

Security

  • ANZ Internet Banking Guaranteedisclaimer
  • Protection of your savings under the FCS schemedisclaimer

What you need to be eligible

  • 12+ years of age
  • For individual or joint accountsdisclaimer
  • An Australian residential address
  • A linked eligible ANZ accountdisclaimer

Discover all our ANZ banking accounts.

ANZ Plus

Things to consider:

  • ANZ Plus and Save accounts are for Australian residents 15 years and older who have either a valid Australian passport or driver’s licence. International passport holders can also apply
  • The new ANZ Plus App features the ANZ Plus and ANZ Save accounts only - not your other ANZ accounts
  • ANZ Plus and Save accounts do not appear in Internet Banking
Compare tool

Need a hand to find a bank account? 

Use our bank account comparison tool to find a term deposit, everyday transaction and savings account for you.

Bank with ANZ

Other accounts that may meet your banking needs.

ANZ Plus

A beautifully designed new app with two intelligent accounts, a sleek new–look card and great features to get you started.

Explore ANZ Plus

     

Important: The accounts below are not accessible with ANZ Plus, but are accessible via the existing ANZ App and Internet Banking.

Kids banking

Introduce your kids to the benefits of saving regularly and earning interest with ANZ Progress Saver.

Learn more

Term deposits

Enjoy a known rate of return for your choice of term, so you know exactly what your investment will be worth.

Learn more

Moving to Australia

If you’re currently overseas but planning to move to Australia, you can apply for an account when you arrive. 

Learn more

ANZ Access Advantage

Get a flexible everyday bank account to use, move and manage your money easily and securely.

Learn more

ANZ Online Saver

Enjoy the flexibility to access your savings anytime online while still being rewarded for interest. 

Learn more

See other savings accounts

Progress Saver

Be rewarded with bonus interest for regular savings of $10 or more and no withdrawals in a monthdisclaimer.

Learn more

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 relevant product terms and conditions which are available at anz.com before deciding whether to acquire, or continue to hold, a product. Fees, charges and eligibility criteria apply. Interest rates are variable and subject to change.

Rates and fees are current as at Thursday, 14 February 2023 and are subject to change.

Images and features shown are iOS versions. Feature availability and design may differ based on the device, operating system, or ANZ Plus app version.

ANZ Falcon is a trademark of Australia and New Zealand Banking Group Limited (ANZ) ABN 11 005 357 522. Falcon is a trademark of Fair Isaac Corporation.

BPAY is registered to BPAY Pty Ltd. ABN 69 079 137 518. 

PayID and PayTo are registered trademarks of NPP Australia Limited.

Transaction fees may apply, see the ANZ Plus and ANZ Save Accounts T&Cs for details of these fees.

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The interest rate that applies to your entire ANZ Save balance may change depending on the daily balance.  A lower interest rate will apply across the entire ANZ Save balance if the daily balance is $250,000 or more. You can earn interest this way until 1st September 2024, after which additional criteria will apply that may affect how much interest you earn. Interest rates are subject to change.  For more information click here.

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Interest rates are variable and subject to change.

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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.

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The upcoming expenses tool is a general guide only and is based on historical debits to your ANZ Plus account.

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Mobile payments available on compatible devices and eligible ANZ cards.

Separate terms and conditions apply to the use of Apple Pay, Google Pay, Samsung Pay, Fitbit Pay and Garmin Pay.

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

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

Samsung and Samsung Pay are trademarks or registered trademarks of Samsung Electronics Co., Ltd.

Fitbit and the Fitbit logo are trademarks or registered trademarks of Fitbit, Inc. in the U.S. and other countries.

Garmin, the Garmin logo, and the Garmin delta are trademarks of Garmin Ltd. or its subsidiaries and are registered in one or more countries, including the U.S. Garmin Pay is a trademark of Garmin Ltd. or its subsidiaries.

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Available when the sending and receiving accounts are capable of processing faster payments. Not available on some ANZ accounts, including ANZ Home Loans and ANZ Personal Loans. Technical interruptions may occur.

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A daily limit of $1,000 applies for Pay Anyone payments in the ANZ App. Higher payment limits may be available if you have registered for and use Voice ID and it is available on your device. A daily Pay Anyone limit of between $1,000 to $10,000 applies in Internet Banking. A higher limit may be available with ANZ Shield. Recipients require an account with an Australian financial institution to receive or collect Pay Anyone payments. Terms and conditions apply, view them at anz.com/app.

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Provided the cardholder didn’t contribute to the loss and notified ANZ promptly of the fraud.

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Provided you didn’t contribute to the loss, you let us know as soon as you found out about the loss and you have complied with the Electronic Banking Conditions of Use contained in your product terms and conditions.

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Other ownership structures may be available.

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Deposits are protected up to a limit of $250,000 for each account holder under the FCS scheme.

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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 Basic, ANZ Pensioner Advantage, ANZ Progress Saver, ANZ V2 PLUS and ANZ Premium Cash Management Account. Terms and conditions and fees and charges apply to the eligible account.

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A single interest rate applies to and is determined by the balance of your ANZ Save account (see here for more about what’s included in your balance). A lower rate will apply across your entire ANZ Save balance if it is $250,000 or more. You can earn interest this way until 1st September 2024, after which additional criteria will apply that may affect how much interest you earn. Interest is calculated daily, paid monthly and rates are subject to change.

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Each joint account holder must hold and continue to hold individual ANZ Plus and ANZ Save accounts to open and hold joint ANZ Plus and ANZ Save accounts. 

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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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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. If you want to invest $2,000,000 or more, please call 1800 008 177 or visit your nearest ANZ Branch to discuss your term and interest rate.

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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.

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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, 4, 6, 9, 11 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, 9 and 12 months as well as all term lengths of greater than 12 months.

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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).

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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. 

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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).

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Terms and conditions apply. No transaction fee access relates to the following: a successful cash withdrawal and an account balance query. Daily withdrawal limits may apply. For certain ANZ cards, withdrawals from an ATM may attract interest, and you may also have to pay a cash advance fee. For details on cash advance fees, transactions that are considered to be a ‘cash advance’  and other charges, please refer to your applicable product terms and conditions. Eligibility criteria, account fees and interest, charges may apply. Visit anz.com for more information.

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Debit interest may apply. Please refer to ANZ Personal Banking Account Fees and Charges (PDF).

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 Please refer to ANZ Personal Banking Account Fees and Charges (PDF) for fees and charges that apply.

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Customers aged under 18 need to show proof of age at an ANZ branch in order to receive their transaction fees waiver. Fees and charges apply. Please refer to ANZ Personal Banking Account Fees and Charges (PDF) for fees and charges that apply.

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One fee-free ANZ Transaction per month. Additional ANZ Transactions charged as: Electronic Transactions $1.00 each, Staff Assisted Transactions $2.50 each. ANZ Internet Banking transactions are free. ANZ Transactions, Electronic Transactions, Staff Assisted Transactions and Internet Banking Transactions are defined in the ANZ Personal Banking Account Fees and Charges (PDF) booklet. Any withdrawals in a particular month, including those that are free of charge, will disqualify you from bonus interest for that month.

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Different interest rates apply to different investment amounts, terms and interest frequencies. Early withdrawal fees will apply and the account will incur an interest reduction in respect of the money withdrawn or transferred early. Rates current as at   and are subject to change. 

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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, where that is a non-business day, on or before 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). If you may have a need in the future to immediately withdraw or transfer funds, other deposit products may be more suitable for you.

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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 (PDF).

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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 you withdraw or transfer early. Refer to ANZ Saving & Transaction Products Terms and Conditions (PDF).

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