ANZ Smart Choice Super.
Super. Easy.
Set up in just five minutes,
in app or online.
Prefer to earn p.a on ANZ Save balances under $250,000?disclaimer
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
Make no withdrawals
Make no withdrawals (including transfers), or incur any fees and charges in the month.
In any given month you could earn
Total rate*
*Base interest + bonus interest
Can't make a deposit or need to make a withdrawal in a month?
That’s OK, you’ll still get the base rate of interest and will be eligible to qualify for bonus interest again the following month.
Base rate of interest
ANZ Progress Saver benefits and features
- Qualify for bonus interest when you make at least a single deposit of $10 or more in a month and make no withdrawals or incur any fees and charges.disclaimer
- Enjoy no monthly account service fees.
- It’s great for Kids Banking.disclaimer ANZ Progress Saver makes it easy for kids to watch their savings grow.
- Under 18s can apply for a ANZ transaction fees waiver.disclaimer
- Eligible for the set a savings goal ANZ Appdisclaimer feature
App and Internet Banking Transactions |
$0.00 each |
Electronic Transactions |
$1.00 each |
Staff Assisted Transactions |
$2.50 each |
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.
Ready to apply?
It takes less than 10 minutes to apply.
Other ways to apply: Visit any ANZ Branch or call 13 33 33 Mon to Fri, 8am to 8pm.
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.
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.
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
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.
One for the kids
Introduce your kids to the benefits of saving regularly and earning interest with ANZ Progress Saver.
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 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.
Android, Google Play and the Google Play logo are trademarks of Google Inc.
BPAY® is registered to BPAY Pty Ltd ABN 69079137518.
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.
ReturnThe 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.
ReturnFor 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.
ReturnCustomers 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) for fees and charges that apply.
ReturnThe 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.
ReturnDebit interest may apply. Please refer to ANZ Personal Banking Account Fees and Charges (PDF).
ReturnOne fee-free ANZ Transaction per month. Additional ANZ Transactions charged as: Electronic Transactions $1.00 each, Staff Assisted Transactions $2.50 each. ANZ Internet Banking transactions are free. ANZ Transactions, Electronic Transactions, Staff Assisted Transactions and Internet Banking Transactions are defined in the ANZ Personal Banking Account Fees and Charges (PDF) booklet. Any withdrawals in a particular month, including those that are free of charge, will disqualify you from bonus interest for that month.
ReturnANZ 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.
ReturnEligibility 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.
ReturnThe 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.
ReturnCompares 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.
ReturnThe 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.
Return