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Deposits

Loan info

Summary

Account overview

An interest earning account that gives you the flexibility to access your savings via your linked ANZ everyday banking account.disclaimer

Be rewarded for regular saving. Earn bonus interest when you make a single deposit of $10 or more in a month and no withdrawals.disclaimer

Manage your investment cash flow or hold funds for your next investment opportunity. Earn tiered interest  and have easy access to your money.

Included ANZ Transactions per month

Unlimited access to ANZ's ATM balance enquiries and deposit transactions, ANZ Phone & Internet Banking disclaimer

Unlimited Internet Banking

One fee free ANZ Transaction* as defined in the ANZ Personal Banking Account Fees and Charges (PDF 190kB) bookletdisclaimer

*Bonus interest will not apply for the month if you make a withdrawal

Unlimited Internet Banking

5 free ANZ Transactions as defined in the ANZ Personal Banking Account Fees and Charges (PDF 190kB) bookletdisclaimer

Required linked account

ANZ everyday accountdisclaimer

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Overseas applications

If you're overseas you can apply before you arrive. Learn more>

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Important numbers

Interest rate

 + 
(Base Rate + Bonus Ratedisclaimer)

Earn bonus interest when you make a single deposit of $10 or more in a month and no withdrawals.

Tiered interest rates between:

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Tiered rates
Amount Tiered interest rate*

$1-$9,999

$10,000 - $24,999

$25,000 - $49,999

$50,000 - $99,999

$100,000 - $249,999

$250,000 - $499,999

$500,000 - $4,999,999

$5,000,000 plus

*Tiered interest rates mean 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.

Introductory bonus offers

% p.a.

3 month introductory bonus interest in addition to standard interest for eligible customersdisclaimer

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Monthly account service fee

$0 (Monthly account service fees may apply to your linked everyday account)disclaimer

$0

$0

Minimum opening balance

$0

$10

$10,000disclaimer

Minimum ongoing balance

$0

$0

$1,000

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Earning interest

Find out how interest is calculated on our accounts and term deposits. 

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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 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.

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goMoney and ANZ goMoney are registered trademarks of ANZ.

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Early withdrawal fees apply. An administration fee of $30 will be charged and the account will incur an interest reduction in respect of the money you withdrawal or transfer early. Refer to ANZ Saving and Transaction Terms and Conditions (PDF 408kB).

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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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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.

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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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Balance enquiries and deposit transactions in relation to an ANZ Online Saver account through an ANZ ATM may only be made via ANZ ATMs in Australia.

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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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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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All ANZ Internet Banking transactions are free, additional ANZ Transactions charged as: Electronic Transactions $1.00 each and Staff Assisted Transactions $2.50 each. ANZ Transactions, Electronic Transactions and Staff Assisted Transactions are defined in the ANZ Personal Banking Account Fees and Charges (PDF 132kB) 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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Additional ANZ transactions charged as: Electronic transactions $0.50 each, staff assisted transactions $2.50 each, cheque transactions $0.50 each. Other fees may apply (including non-ANZ ATM operator fees, overseas ATM fees and overseas transaction fees). Please refer to the ANZ Personal Banking Account fees and Charges booklet (PDF 190kB) for definitions of ANZ transactions, electronic transactions, staff assisted transactions and cheque transactions, and for fees and charges that apply.

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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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