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Make regular saving more rewarding

Grow your balance by $100 or more (on top of any interest you receive) each month¹ to earn a bonus rate with ANZ Plus Growth Saver.

ANZ Plus Growth Saver

Features
Rates
Savings goals
FAQs
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Watch your savings grow

When you join ANZ Plus, you'll get the ANZ Plus Growth Saver, designed to help you save more. You'll also get an ANZ Plus Everyday account, designed to help track your spending.

Grow your savings

Grow your ANZ Plus Growth Saver balance by $100 or more (on top of any interest you receive) each month to earn the bonus rate.¹

Sky’s the limit

You could earn 4.50% p.a. on your entire balance if you meet the qualifying criteria – there are no tiered limits.¹

Smash your goals

The ANZ Plus Growth Saver is designed to help you reach your savings goals. You can set and track multiple goals in the one account. 

Smart ways to save

You can round up extra cents on eligible card transactions and send them straight to your savings.

Earn bonus interest¹

You can get rewarded with bonus interest when you grow your ANZ Plus Growth Saver balance by $100 or more (on top of any interest you receive) each month.¹

Standard rate

0.10% p.a.

on your total ANZ Plus Growth Saver balance each month.1

+ Bonus rate

4.40% p.a.

when you grow your balance by $100 or more (on top of any interest you receive) each month.¹

= Standard + bonus

4.50% p.a.

when you meet the bonus rate qualifying criteria.¹

Stuff you should know

You can easily check to see if it looks like you’re on track to qualify for bonus interest in the ANZ Plus app. You’ll be able to see an estimate of how much you need to save, and by when, to qualify for the bonus rate each month. Learn more about earning interest with ANZ Plus Growth Saver.

One place for your savings goals

Use ANZ Plus Growth Saver to set and track multiple savings goals. Whether it’s a new car, travel plans, or a house deposit you’re saving towards, stay on track and get help to manage your money while you work towards your goals.

More from ANZ Plus

Add a little flexibility to your savings

Earn interest without minimum deposits by adding the ANZ Plus Flex Saver account.2

Discover ANZ Plus Flex Saver

Your questions answered

Am I eligible to join ANZ Plus?

To start banking with ANZ Plus, you need to be 15 years or older with an Australian residential address and a valid form of ID.

At the moment, these are the ID types we accept:

  • Australian driver's licence
  • Australian passport
  • International passport

Please keep in mind, ANZ Plus is just for personal use.

When you download the ANZ Plus app and join, you'll get an ANZ Plus Everyday account for everyday spending and an ANZ Plus Growth Saver account for your savings and goals. These accounts can be closed, but you'll need to hold at least one of the following: an ANZ Plus Everyday, ANZ Plus Growth Saver or ANZ Plus Flex Saver account, or an ANZ Plus Home Loan to keep using the ANZ Plus app.

To share or accept an invitation to open a joint account, you and your plus one will each need to hold at least one of the following: an ANZ Plus Everyday, ANZ Plus Growth Saver or ANZ Plus Flex Saver account, or an ANZ Plus Home Loan.

Can I open joint accounts with ANZ Plus?

You can invite your plus one to open a Joint ANZ Plus deposit account with you in a few simple steps.

When you’re ready to share an invite:

  1. Go to the Store tab.
  2. Select the ANZ Plus deposit account you'd like to open and tap Continue.
  3. Select Me and someone else.
  4. Follow the prompts to share or accept an invite.

If you’re accepting an invite, you should also be able to find your invitation on the Money tab or in the Store tab of your app.

If you're unable to share or accept an invite in the app, you may need to update your ANZ Plus app to the latest version from the App Store or Google Play Store.

Before you open your accounts

Any money in your joint accounts and any linked activity or features will be accessible by both you and your plus one, so make sure you only open joint accounts with someone you trust.

Each joint account will be shared with just one other person – so choose your plus one wisely. There's also a limit to the number of joint accounts you can open.

Declining an invite

If you don’t recognise an invitation, or think you’ve been invited by mistake, please:

  1. Open the invite and select Review Invite.
  2. Select Decline Invite or Decline & Report Invite.

Are there fees and charges?

There are no monthly account-keeping or subscription fees for ANZ Plus Everyday, ANZ Plus Growth Saver and ANZ Plus Flex Saver accounts. However, there may be fees on certain transactions, such as using non-ANZ ATMs, international money transfers and overseas transactions (like online shopping or while you travel).

If your ANZ Plus Everyday account is linked as an offset account to an ANZ Plus Home Loan, a monthly offset fee may apply.

Refer to the ANZ Plus Deposit Account T&Cs for more information on fees that may apply.

How do I add money to my accounts?

You can use your account details or PayID (once you've set it up) to receive a payment from another bank, or head to an ANZ Smart ATM to deposit cash or an Australian cheque.

Better yet, give your account details (BSB and account number) to your boss and get paid to your ANZ Plus accounts.

To view your account details:

  1. Go to the Profile icon
  2. Tap on Account Details.

Sending money from other ANZ accounts

You can transfer money from eligible ANZ accounts directly to your ANZ Plus accounts with no daily limits using My Accounts in the ANZ Plus app.

Alternatively, you can use Pay Anyone to make payments of up to a total of $25,000 a day from the ANZ App. You will need to use Voice ID to make payments over $1,000.

You can also use Internet Banking to make additional payments of up to $25,000 a day. You’ll need the ANZ Shield app for payments over $10,000.

Join in minutes and start saving today

"All banks are banks but this app is so well-designed. Very useful for saving and automating."

ANZ Plus customer

Minimum of iOS 15.0 or Android 7.0

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Explore more from ANZ Plus

Flexible savings you’re free to dip into

Use the ANZ Plus Flex Saver account to pay bills and make transfers,³ while earning a great rate for balances up to $5,000.²

Explore ANZ Plus Flex Saver

Sort your spending with ANZ Plus Everyday

Your ANZ Plus Growth Saver account comes with ANZ Plus Everyday, an everyday transaction account packed with tools and insights to help you spend smarter.

Explore ANZ Plus Everyday

Could you save with an ANZ Plus home loan?

Applications open for eligible customers refinancing to a digital home loan that’s designed to help find ways to get ahead.

Explore Refinance

1 Bonus interest is subject to eligibility.

Consider if right for you.

We use the effective daily balance of your ANZ Plus Growth Saver account at 11:59pm (AEST/AEDT) on the last business day of the month to determine if you've met the requirement to grow your balance for that month.

Sometimes transactions may be treated as having occurred on a different date to the date on which they were made and this can impact whether or not they will count towards your effective daily balance on a particular day.

If you qualify for bonus interest for that month, you can generally earn bonus interest from the last business day of the previous month up to (but excluding) the last business day of the qualifying month.

See the ‘Earning interest’ section of the ANZ Plus Deposit Account T&Cs for more about what’s included in your balance, how interest is calculated, and the qualifying period to earn bonus interest and the period you earn bonus interest (if you qualify). See anz.com.au/plus/interest-fees for interest rates. Interest rates are variable and subject to change.

If you're new to ANZ Plus, ANZ Plus Growth Saver is only available if linked to an ANZ Plus Everyday account. Any advice is general and might not be right for you. The Financial Services Guide, Target Market Determinations and ANZ Plus Deposit Account T&Cs are available for your reference. You should read them before deciding to apply for or keep these products.

2 Different interest rates apply to different parts of the effective daily balance of your ANZ Plus Flex Saver account. A higher rate applies for that part of the effective daily balance that is up to $5,000, and a lower rate applies to that part of your effective daily balance that is above $5,000. Interest rates are variable and subject to change. See the ‘Earning Interest’ section of the ANZ Plus Deposit Account T&Cs for more information about how interest is calculated. See anz.com.au/plus/interest-fees for interest rates. To be eligible for the ANZ Plus Flex Saver account you must be an existing ANZ Plus customer.

3 Payment functionality on the ANZ Plus Flex Saver is limited to PayTo, BPAY, Direct Debit, Pay Anyone, and PayID. Card Payments are not available.

ANZ Plus star rating and/or customers review refers to the ANZ Plus app rating in the Apple App Store. Please refer to the Apple App Store for current rating.