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Everyday bank account interest rates

ANZ Access Advantage tiered interest rates

A tiered interest rate means you will earn different rates of interest depending on the balance of your account. If your account balance is above a certain level, we will pay a higher rate of interest on the whole balance.

rates
Amount Interest rate

$1 - $49,999

$50,000 - $99,999

$100,000 plus

Learn more   Apply now 

ANZ Pensioner Advantage banded interest rates

Banded interest rates mean that different rates of interest apply to different parts of your account balance. The interest paid on the part of your balance between $2,000 and $44,600 may be different from the interest paid on $1,999 of the balance.

rates
Amount Interest ratedisclaimer

Balances below $2,000

Balances between $2,000 and $44,600

Balances over $44,600

Learn more  

ANZ Access Basic 

There is curently no interest earned on the ANZ Access Basic account. 

Learn more 

Savings accounts interest rates

Compare our savings accounts

ANZ Online Saver interest rates

The bonus rate offer is only available for the first 3 months to new ANZ Online Saver customers who have not held an ANZ Online Saver account during the last 6 months.disclaimer

rates
Base rate

standard variable rate (subject to change)

Bonus ratedisclaimer

% p.a.

Total rate (base rate + bonus rate)

for 3 months if current variable rate remains unchanged

Learn more   Apply now 

ANZ Progress Saver interest rates

ANZ Progress Saver pays bonus interest (in addition to the current variable base interest) when you make at least one single deposit of $10 or more in a month and there are no withdrawals, fees or charges processed to the account in that same month.disclaimer

rate
Base rate

Bonus ratedisclaimer

Total rate (base rate +bonus rate)

Learn more   Apply now 

ANZ Premium Cash Management Account interest rates

A tiered interest rate means you will earn different rates of interest depending on the balance of your account. If your account balance is above a certain level, we will pay a higher rate of interest on the whole balance.

rates
Amount Interest rate

$1-$9,999

$10,000 - $24,999

$25,000 - $49,999

$50,000 - $99,999

$100,000 - $249,999

$250,000 - $499,999

$500,000 - $4,999,999

$5,000,000 plus

Learn more   Apply now 

Term deposit interest rates

Compare our term deposits

ANZ Advance Notice Term Deposit interest ratesdisclaimer

ANZ Advance Notice Term Deposit interest rates

Terms

Interest at Maturity

Monthly Interest

Quarterly Interest

Half Yearly Interest

Annual Interest

1 to less than 2 months

 

 

 

 

2 to less than 3 months

 

 

 

3 to less than 4 monthsdisclaimer

 

 

 

4 to less than 5 monthsdisclaimer

 

 

5 to less than 6 months

 

 

6 to less than 7 monthsdisclaimer

 

 

7 to less than 8 months

 

8 to less than 9 months

 

9 to less than 10 months

 

10 to less than 11 months

 

11 to less than 12 months

 

12 to less than 18 monthsdisclaimer

 

  

18 to less than 24 monthsdisclaimer

 

  

24 to less than 36 monthsdisclaimer

 

  

36 to less than 48 monthsdisclaimer

 

  

48 to less than 60 monthsdisclaimer

 

  

60 monthsdisclaimer

 

  

   

Learn more     Apply now

If you're an existing customer you can apply online now. You'll need an existing ANZ everyday account or ANZ savings account and a minimum deposit of $5,000.

ANZ Term Deposit interest ratesdisclaimer

ANZ Advance Notice Term Deposit interest rates

Terms

Interest at Maturity

Monthly Interest

Quarterly Interest

Half Yearly Interest

Annual Interest

1 to less than 2 months

 

 

 

 

2 to less than 3 months

 

 

 

3 to less than 4 monthsdisclaimer

 

 

 

4 to less than 5 months

 

 

5 to less than 6 months

 

 

6 to less than 7 monthsdisclaimer

 

 

7 to less than 8 months

 

8 to less than 9 months

 

9 to less than 10 months

 

10 to less than 11 months

 

11 to less than 12 months

 

12 to less than 18 monthsdisclaimer

 

18 to less than 24 monthsdisclaimer

 

24 to less than 36 monthsdisclaimer

 

36 to less than 48 monthsdisclaimer

 

48 to less than 60 monthsdisclaimer

 

60 monthsdisclaimer

 

   

Learn more     Apply now

If you're an existing customer you can apply online now. You'll need an existing ANZ everyday account or ANZ savings account and a minimum deposit of $5,000.

Fees and charges

For all applicable fees and charges please see:

Terms and conditions

Below is a list of terms and conditions that should be reviewed and understood when applying for a new bank account or using an existing bank account.

Brochures

Find more information in our brochures.  

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.

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Rates and fees are current as at  and are subject to change.

A banded rate of interest means that different rates of interest apply to different parts of your account balance. For example, the interest we pay on the part of your balance between $2,000 and $44,600 may be different from the rate of interest we pay on first $1,999 of the balance. Interest rates are variable and subject to change.

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Bonus rate offer is only available to new ANZ Online Saver customers who have not held an ANZ Online Saver account during the last 6 months, and apply using the Apply Now button on this page. This offer adds  % p.a. bonus interest rate to the standard variable ANZ Online Saver interest rate which as at  is  . The standard variable rate is subject to change, including during the bonus interest period. After 3 months, the rate will revert to the then current standard variable ANZ Online Saver interest rate. 

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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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The interest rates shown are for Advance Notice Term Deposit amounts of $5,000 to less than $100,000. To obtain rates for investments of $100,000 or more, please call 1800 008 177 between 8am and 8pm Monday to Friday. You must provide 31 days notice to ANZ if you wish to make an early withdrawal of your funds from an ANZ Advance Notice Term Deposit account. The interest rate applicable upon reinvestment may be lower or higher than the interest rate on your maturing term deposit.You can contact us on maturity of your ANZ Advance Notice to confirm interest rates that will apply upon reinvestment. ANZ recommends you read the  ANZ Savings and Transaction Product Terms and Conditions (PDF 408kB) and the Financial Services Guide before acquiring the product.  If you may have a need in the future to immediately withdraw or transfer funds, other deposit products may be more suitable for you. See Important Information (PDF 36kB).

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Special term rates do not qualify for additional bonus interest rates and are not available in conjunction with any other bonus or special interest rate offer. Rates current as at  and are subject to change.

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The interest rates shown are for ANZ Term Deposit amounts of $5,000 to less than $100,000. To obtain these rates for investments of $100,000 or more, please call 1800 008 177 between 8am and 8pm Monday to Friday. At the end of the term, if you have not told us what you want us to do with your funds, we will reinvest them in the same type of ANZ Term Deposit. The interest rate applicable to your new ANZ Term Deposit may be lower or higher than the interest rate on your maturing Term Deposit. You can contact us on maturity of your ANZ Term Deposit to confirm interest rates that will apply upon reinvestment. ANZ recommends you read the ANZ Savings and Transaction Product Terms and Conditions (PDF 408kB) and the Financial Services Guide before acquiring the product.

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