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ANZ Progress Saver

Be rewarded for saving regularly

You could earn  interest, when you make a single deposit of $10 or more in a month and no withdrawalsdisclaimer

Apply now

It only takes around 10 minutes to apply.

Features and benefits

Bonus interest

Open an ANZ Progress Saver account and you could get bonus interest when you make a single deposit of $10 or more in a month and no withdrawals.disclaimer

Set, forget and save

Help your savings by linking your ANZ everyday banking account and setting up an automated monthly transfer. A savings graph will be included with every statement to track your progress.

$0 monthly account service fee

No monthly account service fees and one ANZ transaction free of charge per month. Other charges may apply after the first ANZ transaction. disclaimer

Great for kids banking

ANZ Progress Saver makes it easy for kids to watch their savings grow by encouraging them to make regular deposits.disclaimer Plus under 18s can apply for a waiver and pay no ANZ transaction fees.disclaimer

Interest rates and fees

Base rate


Bonus interest rate*


Total rate*

*To qualify for bonus interest:disclaimer

  • Make a single deposit of $10 or more in a month
  • No withdrawals (including transfers), fees or charges in the same month

Bonus interest will not apply for the month if you make a withdrawal or incur any fees or charges

Additional transaction feesdisclaimer

  • Staff assisted transactions: $2.50 per transaction
  • Electronic transactions: $1.00 per transaction

Savings guides and tools

Saving tips

We've put together some helpful tips to help you start saving and make saving part of your daily routine. 

Learn more

Create a budget

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

Learn more

Earning interest

Discover how interest is calculated for our everyday accounts, savings accounts and term deposits.

Learn more

How to apply

Apply online

Apply now

To complete an online application you will need an Australian residential address and have accepted ID.

Call us

 1800 008 177

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

Visit a branch

Locate us

ANZ branches are open Monday - Thursday (9.30am - 4pm) and Friday (9.30am – 5pm), with some even open on weekends.

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.

Ways to bank


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


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.

Find out more about ANZ's internet banking security.

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.

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Our term deposits

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

Learn more

A flexible online savings account

With ANZ Online Saver  you can access your money via your linked ANZ everyday account.disclaimer Check out our bonus interest offer for new customers. 

Learn more

Everything you need from an everyday account

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

Learn more

Set a savings goal

Saving for something? The ANZ App can help you set a savings goal and stay on track to reach it. You can set a goal on your Online Saver or Progress Saver account today.

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.

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.

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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One 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 132kB) booklet. Any withdrawals in a particular month, including those that are free of charge, will disqualify you from bonus interest for that month.

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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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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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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.

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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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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 (PDF 112kB) and ANZ Saving & Transaction Products Terms and Conditions (PDF 408kB) for details.

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