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

ANZ Online Saver

Want flexible savings? Our online savings account lets you earn interest and move your money in and out of a linked eligible ANZ bank account at anytime.disclaimer

How to apply

Jump to

Anchor links

Interest rate


Before you apply


Interest rate

To qualify for bonus interest 

Open your first ANZ Online Saver account.


No really, that’s it!


This is the interest you could earn for the first 3 months.disclaimer

Total rate*

*Standard variable rate  + bonus interest % p.a.

What happens after the bonus interest period ends?

You’ll still get the base rate of interest.

Standard variable rate (rate subject to change)

Benefits and features

ANZ Online Saver benefits and features

  • Access your savings online at any time via your eligible linked ANZ everyday banking account.disclaimer
  • Open your first ANZ Online Saver and get bonus interest for 3 months, even if you make a withdrawal.disclaimer
  • No minimum balance.
  • No monthly account service fee.
  • Use your ANZ Online Saver to pay bills using BPAY® or set up direct debits.
  • Receive payments from other ANZ accounts and other financial institutions (online only).
  • Set it up for PayID®.
  • Eligible for the set a savings goal feature in the ANZ App.disclaimer


  • Monthly account service: $0.00
  • Internet Banking Transactions Fee: $0
  • Electronic Transactions Fee: $0

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

Before you apply

Take a moment to review ANZ Online Saver to help you decide if it's right for you.



  • Access to your money anytime online via your linked bank accountdisclaimer
  • Needs to be linked to an eligible ANZ bank account
  • Bonus interest for the first 3 months, even if you make a withdrawaldisclaimer
  • A standard variable rate after the first 3 months
  • No monthly account service fees
  • No minimum balance

Things to consider

  • ANZ Online Saver is an online-only accountdisclaimer
  • You need to choose an eligible ANZ bank account to access your funds
  • No access in-branch
  • Use your linked account to access your money in other ways. Fees may apply to your linked accountdisclaimer
  • Bonus interest only applies to your first ANZ Online Saver account and you must not have held an ANZ Online Saver account in the last 6 months or moredisclaimer
  • Generally, ANZ won’t process a transaction that will overdraw your account. However, if your account is overdrawn, you may be charged interestdisclaimer
  • An ANZ Progress Saver Account could help you reach your savings goals soonerdisclaimer

Choose a linked account

If you already have an eligible ANZ bank account, we can link it to your new ANZ Online Saver.

View all eligible accounts

If you don't have one, apply online and we'll open a new ANZ Access Advantage and link it to your Online Saver.

Is ANZ Access Advantage right for you?

ANZ Access Advantage is an everyday bank account for personal use with unlimited ANZ Transactions for a $5 monthly account service fee (other transaction types may incur fees).disclaimer The $5 monthly account service fee will be automatically waived if you deposit at least $2,000 per monthdisclaimer or you can also apply for a waiver if you meet other eligibility criteriadisclaimer

Got a concession card or receive government benefits? Check out ANZ Access Basic and ANZ Pensioner Advantage.

Ready to apply?

Apply now

It takes less than 10 minutes to apply.

If you're ready to apply online, meet the eligibility criteria and have your documents handy, you can get started now.

For joint account applications, after ANZ has opened your account, you will need to visit an ANZ branch with all account holders to sign a Joint Account Authority Form. You will not be able to access your joint account until this form is signed.

Other ways to apply

ANZ Internet Banking

If you’ve registered, log in and select open a new account. Then the click on the Bank accounts tab and look for ANZ Online Saver.

Log in

Call us or visit a branch

Call us on 13 33 33 Mon-Fri 8.00am to 8.00pm (AEST) or find an ANZ branch near you.

Related products and helpful guides

Everything you need from an everyday account

Use your money the way you want with ANZ Access Advantage. Unlimited ANZ transactions and Visa Debitdisclaimeraccess make everyday banking easy.


Get to your savings goal with goals in the ANZ App

Saving for something? Set a goal to help you save. Our goals feature in the ANZ Appdisclaimer can help you stay on track to get to your goal. Available on ANZ Online Saver and ANZ Progress Saver accounts.


Go the distance with ANZ term deposits

If you’re looking for something more long term, then an ANZ Term Deposit account might be the one for you. Enjoy a known rate of return for your choice of term.


Tips and guides

From managing your money and creating your first budget through to becoming a saving master, our tips and guides are here to help you get there. Read on


Are you a concession card holder?

If you are a concession card holder or receiving Government benefits, you may be eligible for one of ANZ's concession everyday bank accounts. Find out more about our concession accounts - ANZ Pensioner Advantage and ANZ Access Basic.

Frequently asked questions

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

You can make deposits to your account:

  • by depositing cash at any ANZ ATM that accepts such deposits;
  • by transferring funds from your linked ANZ everyday account using ANZ Phone Banking, ANZ Internet Banking or the ANZ App;disclaimer
  • by arranging an electronic transfer to your account with another financial institution;
  • by arranging an electronic transfer from another person’s account with another financial institution (e.g. by arranging to have your salary or other income, such as family allowance and pensions, paid directly to your account); or
  • in any other way we allow.

Withdrawing or transferring money
You may withdraw or transfer money from your account as often as you like, as long as enough funds are available:

  • by transferring funds to your linked ANZ everyday account, or making a BPAY® Payment, through ANZ Phone Banking, ANZ Internet Banking or the ANZ App;disclaimer
  • using ANZ Internet Banking to manage your accounts, pay and transfer money, access online statements and more;
  • by transferring funds to an account with another financial institution;
  • by arranging a direct debit that is credited to another account with us, or another financial institution;
  • in any other way we allow.

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. 

Learn more 

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

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.

Find out more about ANZ's internet banking security

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.disclaimer This means that this money is guaranteed if anything happens to ANZ.

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 and the ANZ Plus and ANZ Save Accounts T&Cs available at before deciding whether to acquire, or continue to hold, the product. Fees, charges and eligibility criteria 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.

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.

BPAY®  is registered to BPAY Pty Ltd ABN 69079137518.

PayID is a registered trademark of NPP Australia Limited.

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.


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.


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.


 Please refer to ANZ Personal Banking Account Fees and Charges (PDF) for fees and charges that apply.


Debit interest may apply. Please refer to ANZ Personal Banking Account Fees and Charges (PDF).


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.


Monthly account service fee waiver applicable to ANZ Access Advantage accounts if you deposit $2,000 or more by the last business day of the calendar month. You must satisfy the monthly deposit requirement to be eligible for the waiver in a particular month. 


On application for the waiver by an eligible customer, the monthly account service fee will be waived on one nominated ANZ Access Advantage account. For more information on Exemptions and Concessions please refer to ANZ Personal Banking Account Fees and Charges (PDF).


Eligibility 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 and ANZ Saving & Transaction Products Terms and Conditions for details.


The 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.