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Linked transact and
savings accounts

With ANZ Plus you'll get linked transaction and savings accounts designed to help you spend less and save more.

ANZ Plus + ANZ Save

What you'll get:

  • ANZ Plus: an everyday transact account that helps sort your spending
  • ANZ Save: a multi-goal savings account that can track up to 99 goals
  • Get  p.a. interest on ANZ Save balances under $250kdisclaimer
    You can earn interest this way until 1st September 2024, after which additional criteria will apply.
  • No monthly account fees or withdrawal fees at some ATMsdisclaimer

Explore ANZ Plus

Everyday banking

Easy, secure access to your money for all your day-to-day payments, purchases and bills.

ANZ Access Advantage

The easy everyday account with features to help you manage your money online with Internet Banking, and on the go with the ANZ App.disclaimer

How to apply Learn more

ANZ Pensioner Advantage

If you receive a Centrelink pension or a Veterans’ Affairs pension or allowance you may be eligible.disclaimer

Learn more

ANZ Access Basic

Offers affordable and convenient banking for Concession and Health Care card holders.disclaimer

Learn more

Savings accounts

Save and earn interest to help you reach your short and long term goals.

ANZ Online Saver

An online savings account where you can earn up to  for 3 months.disclaimer disclaimer

How to apply Learn more

ANZ Progress Saver

You could earn  interest, when you make a single deposit of $10 or more in a month and no withdrawals.disclaimer  

How to apply Learn more

ANZ Premium Cash Management Account

Manage your investment cash flow or hold money for your next investment opportunity. 

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.

ANZ Advance Notice Term Deposit

Enjoy the certainty of fixed returns over the investment term of your choice. You may also get a higher competitive fixed interest rate compared to our ANZ Term Deposit. disclaimer disclaimer  

Learn more

ANZ Term Deposit

Enjoy the security of a fixed rate of interest over the investment term of your choice. disclaimer  

Learn more

Cash Hub account

A cash account for self-managed super fund trustees to manage your cash.

ANZ SMSF Cash Hub Account

Self managed super is easier than ever, with all you need to use, move and manage your SMSF cash in one place.  

Learn more

Migrant Banking

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

Looking for a new
bank account?

We've got a handy tool for that.

Our bank account comparison tool will show you some options side-by-side for term deposits, everyday transaction and savings accounts. Compare bank accounts

Eligibility criteria

Online identification requirements

ANZ Plus

  • For individuals 15 years and older
  • Australian residential address
  • Australian passport, Australian drivers licence or international passport

ANZ Access Advantage, ANZ Online Saver, ANZ Progress Saver

If you're a new customer, you'll need to provide any two of the following:

  • Australian Passport (current or one that has expired within the last 2 years)
  • Australian Visa in foreign passport
  • Australian driver’s licence
  • Australian Medicare card

For more information on methods to complete your identity check, please refer to our Identity Conditions page.

In-branch identification requirements

In-branch application is not available for ANZ Plus.


If you're a new customer, you'll need to provide: one form of Primary ID or two Secondary IDs. Examples of each are listed below. To find out more and see the full list of acceptable forms of identification documents read Customer Identification Process (CIP) - Acceptable Identification Documents (PDF).

Examples of Primary ID

  • Australian photographic driver's licence or learner's permit
  • Australian Passport (current, or one that has expired within the past two years)
  • Foreign passport disclaimer
  • Australian or Foreign citizenship certificatedisclaimer
  • Australian state/territory government issued Proof of Age card
  • Government issued National Identification card

Examples of Secondary ID

  • Birth certificate (can be issued by an Australian State or Territory, or Foreign Government)disclaimer
  • Australian or Foreign citizenship certificatedisclaimer
  • Australian Medicare card
  • Australian School attendance letter issued by principal to person under 18, recording residential address and period of attendance (less than 3 months old)
  • Australian Taxation Office (ATO) assessment notice (less than 12 months old) with name and address

Contact us

For ANZ Plus

Book a Financial Wellbeing workshop with one of our coaches.

Or, Download ANZ Plus to join ANZ Plus for free.

For all other ANZ everyday or savings accounts

Call us on 13 13 14 Monday to Friday from 8am to 8pm (AEST).

Use our branch locator to find an ANZ branch near you.

Book a branch appointment online.

Advice does not take into account your personal needs, financial circumstances or objectives. Please consider if it is appropriate for you and read the terms and conditions, Product Disclosure Statement and Financial Services Guide before acquiring any product. See ANZ Plus Terms & Conditions for ANZ Plus and ANZ Save accounts. Applications for credit subject to approval. Terms and conditions available on application. Fees and charges apply.

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

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.


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


The ANZ App is provided by Australia and New Zealand Banking Group Limited (ANZ) ABN 11 005 357 522. Super and Insurance (if available) are not provided by ANZ but entities which are not banks. ANZ does not guarantee them. This information is general in nature only and does not take into account your personal objectives, financial situation or needs. ANZ recommends that you read the ANZ App Terms and Conditions available here for iOS (PDF) and here for Android (PDF) and consider if this service is appropriate to you prior to making a decision to acquire or use the ANZ App.


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.


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.


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.


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.


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. 


If your identification document is written in a language other than English, you must provide a translation into English by a translator who is accredited by the National Accreditation Authority for Translators and Interpreters.