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Bank account interest rates, fees and terms

It's important to understand the interest rates, fees, and terms and conditions that apply to an account. 

Term deposits interest rates

Explore our term deposits

ANZ Advance Notice Term Deposit interest ratesdisclaimer

ANZ Advance Notice Term Deposit interest rates

Terms

Interest at Maturity

Monthly Interest

Quarterly Interest

Half Yearly Interest

Annual Interest

7 days to less than 1 month

  

 

 

 

1 to less than 2 months

   

 

 

 

2 to less than 3 months

 

 

 

3 to less than 4 monthsdisclaimer

 

 

 

4 to less than 5 months

 

 

5 to less than 6 months

 

 

6 to less than 7 monthsdisclaimer

 

 

7 to less than 8 months

 

8 to less than 9 months

 

9 to less than 10 months

 

10 to less than 11 monthsdisclaimer

 

11 to less than 12 months

 

12 to less than 24 monthsdisclaimer

 

  

24 to less than 36 monthsdisclaimer

 

  

36 to less than 48 monthsdisclaimer

 

  

48 to less than or equal to 60 monthsdisclaimer

 

  

Learn moreHow to apply

If you're an existing customer you can apply online now. You'll need an existing ANZ everyday account or ANZ savings account and a minimum deposit of $5,000.

ANZ Term Deposit interest ratesdisclaimer

ANZ Advance Notice Term Deposit interest rates

Terms

Interest at Maturity

Monthly Interest

Quarterly Interest

Half Yearly Interest

Annual Interest

7 days to less than 1 month

 

 

 

 

1 to less than 2 months

   

 

 

 

2 to less than 3 months

 

 

 

3 to less than 4 monthsdisclaimer

 

 

 

4 to less than 5 months

 

 

5 to less than 6 months

 

 

6 to less than 7 monthsdisclaimer

 

 

7 to less than 8 months

 

8 to less than 9 months

 

9 to less than 10 months

 

10 to less than 11 months

 

11 to less than 12 months

 

12 to less than 24 monthsdisclaimer

 

24 to less than 36 monthsdisclaimer

 

36 to less than 48 monthsdisclaimer

 

48 to less than or equal to 60 monthsdisclaimer

 

Learn moreHow to apply

If you're an existing customer you can apply online now. You'll need an existing ANZ everyday account or ANZ savings account and a minimum deposit of $5,000.

Everyday bank accounts interest rates

ANZ Access Advantage tiered interest rates

A tiered interest rate means 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.

rates
Amount Interest rate

$1 - $49,999

$50,000 - $99,999

$100,000 plus

Learn more

ANZ Pensioner Advantage banded interest rates

Banded interest rates mean that different rates of interest apply to different parts of your account balance. The interest paid on the part of your balance between $10,000 and $50,000 may be different from the interest paid on $9,999 of the balance.

rates
Amount Interest ratedisclaimer

Interest rate on the portion of the balance below $10,000

Interest rate on the portion of balances from $10,000 to below $50,000

Interest rate on the portion of balances from $50,000

Learn more  

ANZ Access Basic 

There is curently no interest earned on the ANZ Access Basic account. 

Learn more 

Savings accounts interest rates

Explore our savings accounts

ANZ Online Saver interest rates

The bonus rate offer is only available for the first 3 months to new ANZ Online Saver customers who have not held an ANZ Online Saver account during the last 6 months.disclaimer

rates
Base rate

standard variable rate (subject to change)

Bonus ratedisclaimer

% p.a.
Total rate (base rate + bonus rate)

for 3 months if current variable rate remains unchanged

Learn more

ANZ Progress Saver interest rates

ANZ Progress Saver pays bonus interest (in addition to the current variable base interest) when you make at least one single deposit of $10 or more in a month and there are no withdrawals, fees or charges processed to the account in that same month.disclaimer

rate
Base rate

Bonus ratedisclaimer

Total rate (base rate +bonus rate)

Learn more

ANZ Premium Cash Management Account interest rates

A tiered interest rate means 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.

rates
Amount 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

Learn more

ANZ SMSF Cash Hub Account interest rates

SMSF Fees

Monthly account keeping fee

$0

Minimum opening balance

Nil

Included ANZ transactions

Unlimited
SMSF tiered interest rates

Amount

Variable tiered interest ratesdisclaimer

$0 - $9,999

$10,000+

Learn more

What is tiered interest?
This means that the balance of your account on each day determines the interest rate that applies to the whole balance of your account on that day.

For more details about fees read ANZ Personal Banking Account Fees and Charges (PDF 132kB).

Fees, terms and conditions

Fees and charges

For information on all applicable fees and charges, please read:

ANZ Personal Banking Account Fees and Charges (PDF 112kB)

ANZ Personal Banking General Fees and Charges (PDF 116kB)

Terms and conditions

To be reviewed and understood when applying for a new bank account or using an existing bank account:

ANZ Financial Services Guide (PDF 76kB)

ANZ Saving & Transaction Products - Terms & Conditions (PDF 746kB)

ANZ Everyday Visa Debit Product Disclosure Statement (PDF 244kB)

Brochures

For more information, please read:

Everyday banking and saving (PDF 299kB)

Important information

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 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.

Rates and fees are current as at  and are subject to change.

The interest rates shown are for Advance Notice Term Deposit amounts of $5,000 to less than $100,000. To obtain rates for investments of $100,000 or more, please call 13 33 33 between 8am and 8pm Monday to Friday. You must provide 31 days notice to ANZ if you wish to make an early withdrawal of your funds from an ANZ Advance Notice Term Deposit account. The interest rate applicable upon reinvestment may be lower or higher than the interest rate on your maturing term deposit. You can contact us on maturity of your ANZ Advance Notice to confirm interest rates that will apply upon reinvestment. ANZ recommends you read the ANZ Saving & Transaction Products Terms and Conditions (PDF 746kB) and the Financial Services Guide before acquiring the product. 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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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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The interest rates shown are for ANZ Term Deposit amounts of $5,000 to less than $100,000. To obtain these rates for investments of $100,000 or more, please call 13 33 33 between 8am and 8pm Monday to Friday. At the end of the term, if you have not told us what you want us to do with your funds, we will reinvest them in the same type of ANZ Term Deposit. The interest rate applicable to your new ANZ Term Deposit may be lower or higher than the interest rate on your maturing Term Deposit. You can contact us on maturity of your ANZ Term Deposit to confirm interest rates that will apply upon reinvestment. ANZ recommends you read the ANZ Saving & Transaction Products Terms and Conditions (PDF 746kB) and the Financial Services Guide before acquiring the product.

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A banded rate of interest means that different rates of interest apply to different parts of your account balance. For example, the interest we pay on the part of your balance between $10,000 and $50,000 may be different from the rate of interest we pay on the first $9,999 of the balance. 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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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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The interest rate is tiered. This means that the balance of your account on each day determines the interest rate that applies to the whole balance of your account on that day.

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