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Savings accounts

Saving for your future or something more short term like a holiday? We offer savings accounts to suit all your savings needs.

Easily set and track your savings goal in the ANZ App with your eligible ANZ savings account.

And, you can discover your savings potential with our savings calculator.

Savings accounts for all ages

Flexible saving

Earn interest and access your savings anytime online via your linked everyday accountdisclaimer

You could earn:


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

Goal-based saving

Be rewarded with bonus interest for regular savings of $10 or more and no withdrawals in a month

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

A great first savings account

Introduce your kids to the benefits of saving regularly and earning interest

Kids could earn:


 base rate +  bonus interest rate, when they make at least one deposit of $10 or more and no withdrawals in a month.disclaimer No transaction fees for under 18s.disclaimer

More savings products

Investment saving

Manage your investment cash flow and earn tiered interest on a balance of $10,000 or moredisclaimer

Fixed returns

Enjoy the certainty of fixed returns over the investment term of your choice.

Using your savings account online


Make the everyday a little bit easier and do your banking on the go.disclaimer View balances, transfer money and make payments simply and easily.

Learn more

ANZ Internet Banking

Complete online banking across multiple compatible devices. With ANZ Internet Banking you can manage your accounts, pay and transfer money, access online statements and a whole lot more.

Learn more

Your questions answered...

How do I open an ANZ savings account?

  1. Select the savings account that's right for you. Refer to Compare Savings Accounts and applicable terms and conditions (PDF 408kB) for more information. disclaimer
  2. Complete an online application form for the product you'd like or speak to our friendly staff at a branch near you. Please note that you may be asked to show identification and proof of address so it's best to be prepared. 
  3. Activate any applicable features that you'd like to use with your product, such as phone banking, Internet Banking, ANZ App and PayID.

Then you'll be all set to use your new account.

Guides to help you save

New Year savings

Get tips that could help you to achieve your financial goals sooner in the new year. Read on

Saving tips

We've put together some helpful tips to help you start saving and make saving part of your daily routine. Learn more about better ways to save

Create a budget

Follow these simple steps to create a budget, take control of your spending and reach your savings goals. Learn more about creating a budget

Tax refund or financial windfall

Whether you've received an inheritance, employment bonus or lottery win, we have some smart ideas for how to make the most of your financial windfall. Find out what you could do with your tax refund or financial windfall

Earning interest

Discover how interest is calculated for our everyday accounts, savings accounts and term deposits. Learn more about how interest works and is calculated

You may also be interested in

Term deposits

Our term deposits are a great way to invest your money and lock your savings away. 

Learn more

Everyday accounts

Our everyday accounts offer simple and secure ways to access your money.

Learn more

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 408kB) and the Financial Services Guide (PDF 104kB) 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. Google Play and the Google Play logo are trade marks of Google Inc.

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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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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For all applicable fees and charges please see the ANZ Personal Banking Account Fees and Charges (PDF 139kB) and ANZ Personal Banking General Fees and Charges (PDF 155kB). For ANZ Online Saver accounts, a monthly account service fee may apply to a linked ANZ everyday banking 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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For children under 12, a parent or guardian will need to open the account in Trust for the child. Customers aged 12 to 17 who can sign a consistent satisfactory signature can open an account in their own name or as a joint account with a parent or guardian.

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Customers aged under 18 need to show proof of age at an ANZ branch in order to receive their transaction fees waiver. Fees and charges apply. Please refer to ANZ Personal Banking Account Fees and Charges (PDF 544kB) for fees and charges that apply.

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If the balance falls below $10,000 then 0% interest will be earned. You must keep an ongoing minimum balance of $1,000 in your ANZ Premium Cash Management Account. If the balance falls below $1,000, we may require that the account be closed.

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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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Additional ANZ Transactions charged as: Electronic Transactions $0.50 each, Staff Assisted Transactions $2.50 each, Cheque Transactions $0.50 each. ANZ Transactions, Electronic Transaction, Staff Assisted Transactions and Cheque Transactions are defined in the ANZ Personal Banking Account Fees and Charges (PDF 136kB) booklet.

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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 and here for Android and consider if this service is appropriate to you prior to making a decision to acquire or use the ANZ App.

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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 or by calling 13 13 14, before deciding whether to acquire, or continue to hold, any product. Fees, charges and eligibility criteria apply.

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