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A savings account to help smash your goals

Set and track multiple goals with our smart savings account, ANZ Save.

Explore ANZ Save

ANZ Save can help you save more

Stay on track with tools to help manage your money while you work towards your savings goals – big or small. You’ll also get a linked transaction account packed full of helpful tools and personalised insights to help you spend smarter.

Watch your savings grow

Earn interest on the entire balance of your ANZ Save account^.

4.90% p.a.

If your total ANZ Save balance is less than $250k

3.75% p.a.

If your total ANZ Save balance is $250k or more

You can earn interest this way until 1st September 2024, after which additional criteria will apply that may affect how much interest you earn.​

To learn more how your interest will be calculated, visit Interest and Fees

Up your money game

Take control of your money with our latest tools and features, designed to
help you improve your financial wellbeing.

One place for all your savings goals

Work towards up to 99 unique savings goals without opening new accounts.

Visualise your goals

Describing or picturing your savings goals makes you 1.5 times more likely to actually achieve them*. Make them yours — use themes and emojis in the ANZ Plus app to customise your goals. 

*Source: Forbes, Neuroscience Explains Why You Need To Write Down Your Goals If You Actually Want To Achieve Them, 2018


It’s the perfect pair

Your ANZ Save account also comes with a linked everyday ANZ Plus account to track and manage your spending.

Save with your plus one

Open joint accounts with your plus one and work towards shared goals, earn interest together, round up joint account transactions, and more!

To open and hold joint accounts, you’ll each need to have (and keep) your own individual ANZ Plus and ANZ Save accounts.

Join ANZ Plus today

"Beautiful interface. Can create multiple savings buckets under just 1 savings account."

ANZ Plus customer

Minimum of iOS 15.0 or Android 7.0

Scan QR code to get started

We’re here to help

ANZ Plus is mobile-first, but human where it matters. ANZ Plus Coaches are just a tap away.

1-on-1 Coaching sessions

Learn how to master the app or book a personalised session to help you improve your financial wellbeing.

In-app messaging

If you need a hand, send us a message in-app and we’ll get back to you as soon as we can.

Coaches will reply Monday to Friday, 9am to 5pm AEST/AEDT (excluding National Public Holidays). 

Coach video chat

Schedule a video chat call using the appointment booking tool to get digital face-to-face support from one of our Coaches.

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.

Joint accounts

In addition, to be eligible for Joint ANZ Plus and ANZ Save accounts, you and your plus one will each need to hold and continue to hold your own individual ANZ Plus and ANZ Save accounts.

You also won't be able to open new Joint ANZ Plus and ANZ Save accounts, if you've closed Joint ANZ Plus and ANZ Save accounts within the last 7 days.

Can I open joint accounts with ANZ Plus?

You can invite your plus one to open Joint ANZ Plus and ANZ Save accounts with you in a few simple steps.

To open and hold joint accounts, you’ll each need to have (and keep) your own individual ANZ Plus and ANZ Save accounts.

When you’re ready to share an invite:

  1. Go to the Profile icon.
  2. Tap on Joint Accounts and follow the prompts.

If you’re accepting an invite, you should find your invitation on the Money tab or by tapping on the Profile icon. To accept your invite, just open it and follow the prompts.

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.

You can only have Joint ANZ Plus and ANZ Save accounts with one other person, so choose your plus one wisely!

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 for ANZ Plus?

There are no monthly account-keeping or subscription fees. 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). 

Refer to the ANZ Plus and ANZ Save Accounts 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 to your boss and get paid to your ANZ Plus account.

To view your account details (BSB and account number) go to the Profile icon and tap on Account Details.

Sending money from other ANZ accounts

The easiest way to send money from your other ANZ accounts to your ANZ Plus account or ANZ Save account is via Pay Anyone payments.

You can 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.

This means, depending on the payments you've made that day, you may be able to pay up to a total of $50,000 from your ANZ accounts into your ANZ Plus accounts in a day by spreading your payments across the ANZ App and Internet Banking.

How does ANZ protect me and my accounts?

ANZ Plus combines next-level technology with expert teams to monitor your accounts 24/7 to help keep them safe. These include:

  • Selfie ID verification reduces the risk of someone using your stolen ID or details to join ANZ Plus in your name. 
  • Notifications show you money coming in and out of your account with instant notifications.
  • Card controls allow you to cancel, replace or temporarily block your card in the ANZ Plus app if you think it’s lost or stolen.
  • ANZ Falcon® anti-fraud monitoring technology and expert team monitor your accounts 24/7 to keep them safe. 
  • Data partners monitor and send alerts which helps us know if data belonging to our customers is compromised in any third-party breaches. 
  • Government Guarantee means your money is protected up to $250k in total for each ANZ account holder.
  • Mobile first allows us spot unusual activity quickly based on your transactions and device information.
  • Secure in-app support means we maintain contact with you via secure and authenticated channels.
  • Scam Safe is a suite of additional security features designed to help protect you against fraud and scam attempts.

Explore more from ANZ Plus

Refinance from the comfort of home

Applications are open for eligible customers. See if refinancing could get you better deal, with a competitive variable rate and no ongoing fees~.

Sort your spending with ANZ Plus

Your ANZ Save account comes linked with an everyday transaction account packed with personalised tools and insights to help you spend smarter.

Enhance your banking experience

Customise your ANZ Plus app and Add-On money insights, helpful tools or connect with our partners to get more out of ANZ Plus. 

The 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. You can earn interest this way until 1st September 2024, after which additional criteria will apply that may affect how much interest you earn. Interest rates are subject to change. For more information click here.​

* Transaction fees may apply, see the ANZ Plus and ANZ Save Accounts T&Cs for details of these fees.

~Other home loan fees including Late Payment Fee and Loan Discharge Fee still apply. Loan security fees including Registration Fees and Production Fee, still apply however will not be charged on establishment of a loan. Government fees and charges may still apply. 

ANZ Plus star rating refers to the ANZ Plus app rating in the Apple App Store. Please refer to the Apple App Store for current rating.