skip to log on skip to main content
VoiceOver users please use the tab key when navigating expanded menus

Savings accounts

Saving for your education, dream home or a rainy day? If you’ve got the will, we’ve got the ways to help you save. We have savings solutions and helpful tools for every step you take on your savings journey.

Jump to

Anchor links

Savings accounts


Contact us

Prefer to earn p.a on ANZ Save balances under $250,000?disclaimer

ANZ Plus

Introducing ANZ Plus

Smart, secure and designed to build better financial habits, ANZ Plus can help you take your financial wellbeing to the next level.

Explore ANZ Plus

Savings accounts for all stages


ANZ Online Saver

Earn interest and access your savings anytime online via your linked everyday account.disclaimer

You could earn:


 standard variable rate (subject to change) % p.a. bonus rate (for 3 months).disclaimer For new eligible customers.

Goal setting

ANZ Progress Saver

Be rewarded with bonus interest for regular savings of $10 or more and no withdrawals in a month. It's an incentive for anyone — including kids.

You could earn:


 base rate +  bonus interest rate, when you make at least one deposit of $10 or more and no withdrawals in a month.disclaimer

Stashed away

Term deposits

Enjoy a known rate of return for your choice of term, so you know exactly what your investment will be worth. It's comforting to know that your extra cash is tucked away, earning interest.

Learn more


Set a savings goal and you could save twice as fastdisclaimer

Customers who have set a savings goal in the ANZ Appdisclaimer saved two times faster.disclaimer Set yours today. Available on ANZ Online Saver and ANZ Progress Saver. 

Learn more

Set a savings goal icon

Frequently asked questions

You’ve got questions? We’ve got answers.

ANZ Plus is ANZ’s digital banking service available in the new ANZ Plus app.

It comes with an ANZ Plus transaction account and a multi-goal ANZ Save account, and a new-look ANZ Plus Visa Debit Card.

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. You can't access other ANZ accounts 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.

Find out more about ANZ Plus at

Opening an account is easy, plus it only takes around 10 minutes online.
Find out more

For ANZ Online Saver accounts, ANZ Access Advantage accounts, ANZ Progress Saver accounts, ANZ Premium Cash Management Accounts and ANZ Pensioner Advantage accounts we will work out interest on the balance of your account at the end of each day. 

For ANZ term deposits, interest accrues daily, based on the closing balance of the term deposit account on the relevant day. The rate of interest is fixed for the term of your term deposit (subject to any adjustments for early withdrawals).

We will tell you the annual interest rate for the particular term that you have chosen when you establish a term deposit (and, if applicable, after a maturing term deposit is reinvested in a new term deposit). The daily interest rate is the rate fixed for the term of your deposit divided by 365.

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

The easiest way to update your details such as your address, phone number or email address is by using ANZ Internet Banking or the ANZ App. We’ll show you how

If you don’t have ANZ Internet Banking or the ANZ App, please contact us to update your details. You can also visit your local ANZ branch.

BSB stands for bank, state and branch number. It identifies the bank, branch and state that you opened your account in.

Your account number is the identification number associated with your account. Every account has one. For credit cards your account number is your 16 digit card number shown on the front of your card.

You can find your BSB and account number several ways:

  • On ANZ Internet Banking. You can find your BSB and account number by selecting your account from the ANZ Internet Banking homepage and viewing the 'Details' tab.
  • On the ANZ Branch locator tool. Your BSB number can be found by searching for the branch in which you opened your account. The BSB number will show in the search results alongside the branch location and hours of operation.
  • On your statements. Your BSB and account number will appear on your statement copies. The first 6 digits are your BSB number followed by your 9 digit account number.
  • On ANZ Phone Banking accessed by calling 13 13 14 you can hear your BSB and account numbers. You can access this 24 hours a day, 7 days a week from any touch tone phone anywhere in Australia for the cost of a local call.

We have several ways to ensure you can access your transaction and account balance information when it suits you, which include Internet Banking, mobile banking and phone banking. For more information on:

Viewing balances in Internet Banking

Using phone banking to check transactions or balances

Using mobile banking to check transactions or balances

If you want to start banking online with ANZ, we can show you how to register and log in to ANZ Internet Banking, register for phone banking or download and use the ANZ App. You’ll need your customer registration number and Telecode to get started.

See how to register

If you need help or don’t have your customer registration number and Telecode, please contact us to get you started.

Get in touch with us

Call us

Available Mon-Fri 8.00am to 8.00pm (AEST)

1800 008 177

Visit a branch

Locate an ANZ branch near you.

Locate us

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) and the Financial Services Guide (PDF) which are available at or by calling 13 13 14 before deciding whether to acquire, or continue to hold, the product. Fees, charges and eligibility criteria apply.

The information set out above is general in nature and has been prepared without taking into account your objectives financial situation or needs.  By providing this information ANZ does not intend to provide any financial advice or other advice or recommendations.  You should seek independent financial, legal, tax and other relevant advice having regard to your particular circumstances.

BPAY®  is registered to BPAY Pty Ltd ABN 69079137518.

Apple, the Apple logo, iPhone and iPad are trademarks 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.

The interest rate that applies to your entire ANZ Save balance may change depending on the daily balance.  A lower interest rate will apply across the entire ANZ Save balance if the daily balance is $250,000 or more. Interest rates are subject to change.  For more information click here.


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.


Compares avg monthly uplift in savings growth for a number of ANZ Progress Saver and/or ANZ Online Saver accounts with a goal vs accounts without for Aug-19 to July-21.


The ANZ App is provided by Australia and New Zealand Banking Group Limited (ANZ) ABN 11 005 357 522. Super, Shares 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 App for Android is only available on Google Play™. ANZ App for iPhone is only available from the App Store.

Apple, Apple Pay, Apple Watch, Face ID, iPad, iPhone and Touch ID are trade marks 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 trade marks of Google Inc.