Features and benefits
Bonus interest for new customers
Open your first ANZ Online Saver and get bonus interest for 3 months. You could earn , based on the current standard variable rate of (subject to change) and a bonus of % p.a. for 3 months.disclaimer
$0 monthly account service fee
There is no monthly account service fee and no minimum balance. (Fees may apply to your linked ANZ everyday account)disclaimer
A flexible way to save
An interest earning account that gives you the flexibility to access your savings via your linked ANZ everyday banking account.disclaimer
Transfer money out any time
A day-to-day savings account that lets you access your savings online at any time. You can use your ANZ Online Saver to pay bills using BPAY® or set up direct debits.
Interest rates and fees
Current standard variable rate (subject to change)
+ % p.a.
Introductory interest for 3 monthsdisclaimer for eligible customers
=
for 3 months if current variable rate remains unchanged
For details about fees see ANZ Personal Banking Account Fees and Charges (PDF 139kB) and ANZ Personal Banking General Fees and Charges (PDF 155kB).
Guides to help you save
Saving tips
We've put together some helpful tips to help you start saving and make saving part of your daily routine.
Create a budget
Follow these simple steps to create a budget, take control of your spending and reach your savings goals.
Reduce your bank fees
Banking doesn't have to cost a lot. Find out how you could cut back on unnecessary bank fees.
Earning interest
Discover how interest is calculated for our everyday accounts, savings accounts and term deposits.
Ways to bank
Access what you need when you need it with our range of simple and secure digital banking tools.
ANZ App
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.
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.
BPAY®
With a biller code and reference number you can pay most of your bills. There are no extra fees and you receive a transaction receipt number and a record of the transaction on your account statement.
Security
ANZ Internet Banking Guarantee
When using ANZ Internet Banking or the ANZ App, you’ll be reimbursed for any unauthorised transactions, provided that you have complied with the Electronic Banking Conditions of Use.
Government Deposit Guaranteedisclaimer
Some extra peace of mind for banking in Australia. Deposits of up to $250,000 with ANZ can be covered by the Australian Government’s Financial Claims Scheme. This means that this money is guaranteed if anything happens to ANZ.
Extra security to unlock extra features
ANZ Shield is a mobile app that gives you extra security so you can unlock extra features for ANZ Internet Banking. Use ANZ Shield to easily verify your ANZ Internet Banking activities wherever you are.
Generate a one-time ANZ Shield code to:
- Make larger payments online
- Reset your forgotten ANZ Internet Banking password
- Manage your daily Pay Anyone limit in real-time
- Instantly update your banking profile
How to apply
You don't have to be an existing ANZ customer to open an ANZ Online Saver.
Apply online
To complete an online application you will need an Australian residential address, accepted ID and be willing to open or already have an ANZ everyday account.
Your questions answered
You may also be interested in
Our everyday account
Use your money the way you want with ANZ Access Advantage. Unlimited ANZ transactions and Visa Debitdisclaimer access make everyday banking easy.
Be rewarded for saving
An ANZ Progress Saver could help you reach your savings goals sooner. be rewarded with bonus interest when you stick to a savings plan.disclaimer
Want to invest your savings?
Our term deposits are a great way to invest your money and lock your savings away.
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.
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.
BPAY® is registered to BPAY Pty Ltd ABN 69079137518.
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.
Back to topANZ 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.
Back to topThe 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.
Back to topThe guarantee applies to the total balance held in one or more ANZ deposit accounts by each legal entity, up to a maximum amount of A$250,000. For further information please refer to the Financial Claims Scheme.
Back to topEligibility criteria apply to the issue of ANZ Access Visa Debit card. Overseas transaction fees, overseas ATM transaction fees and non-ANZ operator fees may apply to foreign currency transactions where an ANZ Access Visa Debit card is accepted. Please refer to ANZ Personal Banking Account Fees and Charges (PDF 112kB) and ANZ Savings and Transaction Product Terms and Conditions (PDF 408kB) for details.
Back to topBonus 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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