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Some stuff to get you started

 Stretch your budget

Want to make the most of the income you have? 

It all starts with creating a budget and learning how to make every dollar count. Our guides about saving and spending can help you get started. 


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Moving to Australia

If you’re coming to Australia to study, you could:

  • Apply for a bank account 
  • Transfer money before you leave
  • Once you've arrived you can activate your account at one of our branches
  • Then access your money, it’s that easy.

Learn more

Easy ways to bank

ANZ goMoney® gives you a great way to bank on your iPhone or Android. Plus, Apple Pay®,  Android Pay™ and ANZ Mobile Pay let you use your compatible  Apple® or Android™ device to tap and pay with an eligible ANZ carddisclaimer, so you can continue to get the same great benefits and security. 

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Here's what you might like

Our everyday account

Under 25sdisclaimer and full-time studentsdisclaimer pay no monthly account service fee with ANZ Access Advantage (normally $5). Get Visa Debit access if you're over 14 and access your money, your way. Shop online, over the phone and overseas where Visa is accepted. More about ANZ Access Advantage

Access your money and earn interest 

Our savings accounts can help you start saving your hard earned money. ANZ Progress Saver rewards you for saving, so you can reach your goals sooner.disclaimer ANZ Online Saver allows you to earn interest while having access to your savings via a linked everyday acccount.disclaimer More about our savings solutions

A credit card for full-time tertiary studentsdisclaimer

As a student you may be eligible for our ANZ First credit card with a special offer of $0 annual fee in the first year.disclaimer More about ANZ First for Students

All applications for credit are subject to ANZ’s credit assessment criteria. Terms and conditions are available on application. Fees and charges apply. 

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.

goMoney and ANZ goMoney are registered trademarks of ANZ.

ANZ goMoney® for Android™ is only available in Google Play™. ANZ goMoney® for iPhone is only available from the App Store. iPhone is a trademark of Apple Inc., registered in the U.S. and other countries. App Store is a service mark of Apple Inc. Android, Google Play and the Google Play logo are trademarks of Google Inc.

You need Adobe Reader to view PDF files. You can download Adobe Reader free of charge.

Apple Pay and Android Pay support many ANZ Visa credit and debit cards and ANZ American Express® cards, but currently not ANZ MasterCard®, ANZ Access cards or ANZ Corporate cards. Read the full list of supported ANZ cards

American Express is a registered trademark of American Express. ANZ American Express® cards are issued by Australia and New Zealand Banking Group Limited (ANZ) pursuant to a license from American Express.

MasterCard and the MasterCard Brand Mark are registered trademarks of MasterCard International Incorporated.

Terms and conditions apply to the use of ANZ Apple Pay. Apple, the Apple logo and iPhone are trademarks of Apple Inc., registered in the U.S. and other countries.

Terms and conditions apply to the use of Android Pay. Android, Android Pay and the Android Logo are trademarks of Google Inc.

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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 180kB).

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Full time students need to show proof of enrolment with an Australian Educational Institution at any ANZ Branch in order to receive a monthly account service fee waiver on one nominated ANZ Access Advantage account.

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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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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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The ANZ First Annual Account Fee (“Annual Fee”) will be waived for the first year for students studying full time at an eligible Australian educational institution. After the first year for ANZ First, an Annual Fee of $30 applies. This fee is current as at 13 January 2015 and is subject to change. The fee information displayed on this page applies to new customers only. Existing customers may be subject to different fees and should call 13 22 73 for information regarding the fees that apply to their account. ANZ reserves the right to withdraw this offer at any time.

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