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Zero monthly account fees*

Zip! Applies to both of your accounts.
Plus, no withdrawal fees at major Australian bank ATMs

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Interest with ANZ Save

You'll earn interest on your ANZ Save balance including all your Savings Goals.
 

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

Important information:

You can earn interest this way until 30 September 2024, after which additional criteria will apply that may affect how much interest you earn. Find out more here.

Balances (also referred to as effective daily balance) are indicative. There are reasons for this - check out “How interest is calculated”

Things you need to know

Interest is calculated at the end of each day and paid monthly into your ANZ Save account.

One interest rate applies to your total ANZ Save balance each day. Your daily interest rate will depend on whether your total ANZ Save balance is below $250,000 or $250,000 and above.

Your balance is also known as the effective daily balance. This may be different to the balance shown as the "Total Saved" in the ANZ Plus app or the balance on your statement. It can be different because:


  • a transaction may not have updated the amount shown - e.g. reversals,
  • a transaction may have updated the amount shown but is not yet fully processed - e.g. a pending transaction,
  • we may not process transactions at the time, on the day or in the order that they're made, or
  • some transactions may have been processed and updated the amount shown, but are later adjusted.

Our interest rates, and the balances they apply to, may change. But we’ll be sure to let you know if they do. For more details check out About amounts shown and Earning interest sections of the T&Cs.

  • Some fees that apply
  • Overseas transactions 3% of the transaction value Find out what an overseas transaction could be
  • International ATM withdrawal $5 (or free at any ANZ ATM)
  • Inward international money transfer May incur a fee of up to $15 Find out more

Join ANZ Plus today

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ANZ Plus customer

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

^ 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. For more information about how interest rates are applied today click here.​  You can earn interest this way until 30 September 2024, after which additional criteria will apply that may affect how much interest you earn.  For more information about how the way you can earn interest is changing, click here. Interest rates are subject to change.

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.

Any advice is general and might not be right for you. The Financial Services Guide, Target Market Determination and ANZ Plus and ANZ Save Accounts T&Cs are available at anz.com/anzplus. You should read them before deciding to apply for or keep these products. Australia and New Zealand Banking Group Limited ABN 11 005 357 522 AFSL 234527
 

The ANZ Privacy Policy is available at anz.com.au/privacy/centre/policy