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Welcome to ANZ Plus

Earn  p.a. interest on ANZ Save if your ANZ Save balance is less than $250kdisclaimer

Designed to improve your financial wellbeing, ANZ Plus gives you:

Designed to improve your financial wellbeing
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Two smart accounts - an everyday and savings account

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No monthly account feesdisclaimer

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Digital banking on your mobile with a brand new ANZ Plus app

Get started with ANZ Plus today

Join ANZ Plus for free

Eligibility criteria:

  • 15+ years of age
  • Individual accounts only (Joint account not yet available)
  • Australian resident
  • Australian residential and mailing address
  • Australian/International passport or Australian drivers licence
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Minimum of iOS 15.0 or Android 7.0

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Scan the code to get started today

Interest and fees

Please note that interest is earned on ANZ Save balances only.

ANZ Save interest



interest on your ANZ Save balance
if you have less than $250,000disclaimer


interest on your ANZ Save balance
if you have $250,000 or moredisclaimer

ANZ Plus fees


Monthly account service

No fee

ATMs in Australia

No transaction fees at major Australian bank ATMs

International ATM withdrawal

$5 (or free at any ANZ ATM)

Overseas transactions

3% of transaction value
Find out more

Inward international money transfer

May incur a fee of up to $15
Find out more

Great features and

The ANZ Plus app is packed with features and benefits to help boost your financial wellbeing.


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An everyday account that sorts your spending

See your spending broken down into categories. This could help you to manage your budget better.


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A savings account that helps you save

Set and track up to 99 savings goals (from house deposit to rainy day fund) under your ANZ Save account, and earn interest on all of them.disclaimer

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ANZ Plus Visa Debit Card

  • Make purchases in person, online and overseas (fees apply).
  • Pay no transaction fees for cash withdrawal at ANZ and most major Australian bank ATMs.
  • Set a 6-digit PIN, lock your card or access your details when you need them in the ANZ Plus app.


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Pay with confidence

  • Choose from Apple Pay®, Google Pay™, Samsung Pay™ and Garmin Pay™ contactless payments.
  • Pay anyone with PayID® and make quicker transfers powered by Osko®.
  • Use BPAY® to easily manage your bill payments on the spot.
  • Extra layer of security when you pay online with a Visa dynamic CVV.

Financial wellbeing coaching and support


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Our Coaches will teach tips and tricks to help you master budgeting and saving.

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1-1 sessions

Book a 1-1 session with a Coach and learn how to use the app to spend less and save more.

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Message in-app

Send a message securely in-app and a Coach will reply as soon as they can, Monday to Friday, 9am to 5pm AEST (excluding National Public Holidays).

Your questions

How is ANZ Plus different from ANZ?

ANZ Plus is ANZ’s digital banking service available in the new ANZ Plus app. The ANZ Plus app has a range of features to provide more visibility and control of your money and spending.

You can only access ANZ Plus in the ANZ Plus app. Other ANZ bank accounts can be accessed through the ANZ app or Internet Banking, ANZ branches and over the phone.

Here are some things you won't be able to do with ANZ Plus:

  • Do ANZ Plus banking at ANZ Branches
  • Access other ANZ accounts in the ANZ Plus app
  • Internet Banking (Online Web Portal)
  • Issuing cheques
  • Overdrafts
  • International Money Transfers

If you’re under the age of 15, looking for a joint account or a credit card, then check out other ANZ products.


Can I see my ANZ accounts in ANZ Plus?

You can’t view your other ANZ accounts in the ANZ Plus app. Only your ANZ Plus and ANZ Save accounts are viewable in your ANZ Plus app.

Your existing ANZ accounts are viewable in your ANZ app, ANZ Internet Banking (if you have these set up), or accessed at an ANZ branch or over the phone. You won’t be able to see your ANZ Plus accounts in ANZ Internet Banking.


Yes. To sign up for ANZ Plus, you will need to download the ANZ Plus app then follow the prompts.

ANZ Plus accounts are different from ANZ accounts. You can’t view your other ANZ accounts (if you have these set up), in the ANZ Plus app.

The team at ANZ Plus attempt to align features across iOS and Android, however this is not always possible and some delays on features may occur.

To close your ANZ Plus and ANZ Save accounts, connect with a Coach in the in-app chat function and you will be walked through the process.

ANZ Plus app and card

a new way to bank subheading

Meet the new ANZ Plus app

The ANZ Plus app is expertly designed to give you more visibility and control over your money and help you achieve your financial goals.

  • Receive insights from smart tools at your fingertips
  • Set and track multiple goals
  • Enhanced security features
  • See your spend by category
  • Set multiple savings goals
  • No monthly account fee and a great savings rate available

Security you can bank on

ANZ's trusted next-level security keeps your money and data safe.

  • Verify with Selfie ID

    Snap a selfie to confirm it’s really you with your ID.

  • See transactions in real-time

    And get instant notifications helping you spot unusual activity.

  • Block your card from the app

    Cancel, replace or temporarily block your card instantly in the ANZ Plus app.

  • ANZ Falcon™ fraud monitoring

    Trusted round-the-clock monitoring keeps a sharp eye out for suspicious and unusual activity, keeping your accounts safe.

  • ANZ Fraud Money Back Guarantee

    Be reimbursed for fraudulent card transactions if you tell us promptly and didn't contribute to the loss.

  • Your money is protected

    The Australian Government Financial Claims Scheme protects your money, up to $250k in total for each ANZ account holder.

  • Secure payments with a dynamic CVV

    Get a digital CVV that automatically updates every 12 hours within the app.

Your journey to better financial wellbeing starts here

download badges
AppStore logo Google Play logo

Minimum of iOS 15.0 or Android 7.0

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Any advice is general and might not be right for you. Please visit here to see the Financial Services Guide, Target Market Determination and ANZ Plus and ANZ Save Accounts T&Cs. You should read them before deciding to apply for or keep these products. 

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

BPAY® and Osko® are trademarks of BPAY Pty Ltd ABN 69 079 137 518.

Falcon is a trademark of Fair Isaac Corporation.

PayID® is a registered trademark of NPP Australia Limited.

Apple Pay is the trade mark of Apple Inc., registered in the U.S. and other countries.

Google Pay is the trade mark of Google LLC.

Garmin Pay is a trademark of Garmin Ltd. or its subsidiaries.

Samsung Pay is the trade mark of Samsung Electronics Co., Ltd.

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. Interest is calculated daily, paid monthly and rates are subject to change.


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