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Spend less mind on money

ANZ Plus helps you get your money sorted, so you can think about other things – like Alaskan Malamutes.

Join ANZ Plus

Spend less mind on money

Get powerful tools and features designed to help you manage your money, so you can think about other things – like Alaskan Malamutes.

Join ANZ Plus

What you'll get with ANZ Plus

Two smart accounts

When you join, you’ll get an ANZ Plus Everyday account that tracks your spending, and an ANZ Plus Growth Saver account that earns interest¹ and can help you reach your savings goals.

Grow your savings

Earn a total of 4.50% p.a. interest when you grow your ANZ Plus Growth Saver balance by $100 or more (on top of any interest you receive) each month.1

Extra layers of security

It’s good to know that some of the toughest security is on your side, like Selfie ID, card controls and ANZ Falcon® Technology.

Expert Coach support

ANZ Plus Coaches can help you build healthy financial habits. Book a 1-on-1 session and learn how to use the ANZ Plus app.

Join in minutes in the ANZ Plus app

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

ANZ Plus customer⁴

Minimum of iOS 15.0 or Android 7.0

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ANZ Plus app features you'll love

Explore our most popular smart money management app tools, designed to help you spend less and save more.

Add a little flexibility to your savings

Earn interest without minimum deposits with the ANZ Plus Flex Saver.2 You can also pay bills and make transfers from the same account.3

Discover ANZ Plus Flex Saver

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Stuff you need to know

  • Currently ANZ Plus Everyday, ANZ Plus Growth Saver and ANZ Plus Flex Saver accounts are for Australian individuals 15 years and older who have either a valid Australian passport, driver’s licence or approved international passport.
  • You'll only see your ANZ Plus accounts in the ANZ Plus app, they won't appear in ANZ Internet Banking.
  • The ANZ Plus Flex Saver isn't available as a joint account, so you'll need to ride solo with this one.
  • Support for ANZ Plus is available in-app and includes appointments with our ANZ Plus Coaches.
  • If ANZ Plus isn't right for you right now, check out our other ANZ products.
  • Your other ANZ accounts won’t automatically appear in the ANZ Plus app so you’ll still need to use other ANZ channels such as the ANZ App and Internet Banking to continue your day-to-day banking with them. You can choose to add and view eligible ANZ accounts in the ANZ Plus app using My Accounts. Find out more here.

1 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. 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 how we work out if you're eligible for bonus interest. 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.

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

5 The upcoming expenses tool is a general guide only and is based on historical debits to the ANZ Plus Everyday and ANZ Plus Flex Saver accounts. Images and features shown are iOS versions. Feature availability and design may differ based on the device, operating system, or ANZ Plus app version.

6 Only eligible accounts shown. Amounts shown may not reflect your personal situation or money available to spend. See ANZ Plus Digital T&Cs for more information. Information on third party accounts is sourced from those third parties with your consent. Third parties have not endorsed the My Accounts feature.

Falcon® is a trademark of Fair Isaac Corporation.

PayID® is a registered trademark of NPP Australia Limited.

Images and features shown are iOS versions. Feature availability and design may differ based on the device, operating system, or ANZ Plus app version.