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An employee banking benefits program offered to staff of ANZ business customers.

Make work more rewarding

Personal banking benefits

These could include your everyday accounts, as well as more complex banking products like home loans, insurance and investments. 

Tailored to the individual

Everyone’s financial needs and circumstances are different. That’s why the first step of anz@work is a one-on-one conversation with an ANZ Personal Banker who will help you to understand your banking needs. 

We bring the bank to you

The less time you spend at the bank, the more time you have for yourself. Appointments with ANZ Personal Bankers can be arranged at your workplace for you and your colleagues.

Your benefits

Monthly account service fee waived (usually $5) on one nominated ANZ Access Advantage accountdisclaimer.

Bonus interest on ANZ Progress Saver Accountsdisclaimer.

ANZ First Visa

Pay no Annual Account Fee for the first 12 monthsdisclaimer.

ANZ Low Rate

0% p.a. for the first 15 months on balance transferred from a non-ANZ credit carddisclaimer. No Balance Transfer Fee.

ANZ Rewards Platinum and ANZ Rewards Black

Receive 50,000 bonus Reward Points when you spend $2,500 on eligible purchases in the first 3 months and no annual fee for the first yeardisclaimer.

ANZ Breakfree Packagedisclaimer

  • Annual Breakfree package fee ($395) waived for the first yeardisclaimer in addition to the standard Breakfree benefits.

$0 Loan Approval Fee on new ANZ Personal Loans.disclaimer

Insurance discountsdisclaimer

  • ANZ Home Insurance, ANZ Landlord Insurance and ANZ Car Insurance - discount on first year premium.
  • ANZ Mortgage Protection Insurance - discount on premium.

ANZ Share Investing

Receive discounted brokerage of the greater of $14.95 or 0.11% of the trade value (GST inclusive) for the first year.disclaimer

ANZ Share Investment Loans

Discount of 0.65% p.a. off the standard variable rate or 0.50% p.a. off the standard fixed rate (min. credit limit of $20,000).disclaimer

ANZ Smart Choice Super disclaimer

Helps you take control of your super, online anytime, with ANZ Internet Banking.

This product is available online.

ANZ Self-Managed Super

With our simple online administration tool and SMSF specialist support, we can help you set up and manage your SMSF.disclaimer

ANZ Travel Card and Foreign currencydisclaimer

$11 card issuance fee is waived.

$5 cash pack fee is waived

$0 commission on buying or selling foreign currency

Get started

To find out more about the anz@work program, your eligibility and how it could benefit you, please get in touch.

Visit an ANZ branch near you

Call us 1300 134 603

Email us

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anz@work eligibility criteria apply. 

Any advice does not take into account your personal needs and financial circumstances and you should consider whether it is appropriate for you and read the relevant terms and conditions, Product Disclosure Statement and the ANZ Financial Services Guide (PDF, 104kB) before acquiring any product. Applications for credit subject to approval. Terms and conditions available on application. Fees and charges apply.

The anz@work benefits and discounts set out above are current as at October 2017 and are subject to change. ANZ can amend or revoke any benefit, or change the eligibility criteria for obtaining benefits, at any time. Please contact us on 13 13 14 to discuss current offers available under anz@work.

Once you have identified yourself as an anz@work customer, benefits start from the time of application and will not be backdated.

Australia and New Zealand Banking Group Limited (ANZ) ABN 11 005 357 522. Australian Credit Licence Number 234527.

The benefit applies to one nominated new or existing ANZ Access Advantage account when you have your salary directly credited to this account.

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A special bonus interest rate is available to anz@work customers. 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 the calendar month and after the last business day of the previous calendar month. Bonus and base rates are subject to change. ANZ Saving and Transaction Product Terms and Conditions are available on application or at

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The ANZ First annual account fee will be waived for the first year for new and approved applicants under the anz@work program. After the first year an annual fee of $30 applies. This fee is current as of  and is subject to change. The fee information displayed on this page applies to new customers only. Existing customers may be subject to different fees and should call 13 22 73 for information regarding the fees that apply to their account. ANZ reserves the right to withdraw this offer.

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Reverts to standard balance transfer rate, currently   

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The Total Annual Fee, and any Additional Cardholder Fees and Rewards Program Services Fees applicable to additional cardholders on the account, will be waived for the first year. After the first year for ANZ Rewards Platinum a Total Annual Fee of $95 applies, which includes a $40 Annual Account Fee and a $55 Rewards Program Service Fee. For ANZ Rewards Black a Total Annual Fee of $375 applies, which includes a $320 Annual Account Fee and a $55 Rewards Program Service Fee. For additional cardholders on ANZ Rewards Platinum and ANZ Rewards Black, an Additional Cardholder Fee of $10 and Rewards Program Services Fee of $55 will apply per additional cardholder on the account. These fees are current as at  and are subject to change. The fee information displayed on this page applies to new customers only. Existing customers may be subject to different fees and should call 13 22 73 for information regarding the fees that apply to their account.

Offer available to new and approved applicants who apply for an ANZ Rewards Platinum or ANZ Rewards Black credit card account. This is a limited time only offer which may be withdrawn or changed at any time without notice. Not available in conjunction with other offers, packages or promotions, or when transferring from an existing ANZ credit card or where you currently hold or have closed an ANZ Rewards, ANZ Rewards Platinum or ANZ Rewards Black credit card within the previous twelve months. This offer applies only once per eligible customer. Your application must be approved and you must activate the card and make $2,500 worth of eligible purchases within three months of approval to receive the bonus Reward Points. Eligible Purchase means purchases which are eligible to earn Reward Points. Purchases which are not eligible to earn Reward Points are described in the ANZ Rewards – Rewards Program Terms and Conditions booklet, for example fees, cash, cash equivalent transactions, balance transfers and transactions for gambling or gaming purposes will not earn Reward Points. The bonus Reward Points will be credited to your ANZ account within two months of the eligible spend criteria being met. If you transfer or cancel your new ANZ Rewards Platinum or ANZ Rewards Black credit card account before the introductory bonus Reward Points are processed to your account, you may become ineligible for these bonus Reward Points. ANZ will not be liable for any loss or damage whatsoever resulting from a delay in the process of receiving and/or approving an application or activating the card.


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Annual package fee is currently $395.00 and subject to change. Eligibility criteria ANZ Breakfree Terms and Conditions (PDF 80kb) apply. ANZ Breakfree Benefits package only apply while you maintain the package and meet ongoing eligibility criteria.

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The first year annual fee waiver is available for new Breakfree customer only. ANZ will not refund any fees already paid.

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A minimum loan amount of $5,000 applies.

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References to insurance premium amounts for the purposes of calculating the applicable ANZ Breakfree Package and anz@work benefits exclude any stamp duty, GST and other government fees, charges or levies components that are included in the total premium amount paid by you.  To be entitled to a discount on your insurance you must notify the insurer at the time of application. Please note for ANZ Home Insurance , ANZ Landlord Insurance and ANZ Car Insurance the discount is only applicable to the first year's premium. These discounts are not available in conjunction with any other discount offer made by ANZ or any OnePath entities. ANZ Home Insurance, ANZ Landlord Insurance and ANZ Car Insurance are issued by QBE Insurance (Australia) Limited (QBE) ABN 78 003 191 035 (AFSL 239545). The life benefits in ANZ Mortgage Protection are issued by OnePath Life Limited (OnePath Life) (ABN 33 009 657 176, AFSL 238341); the disability and involuntary unemployment benefits are issued by QBE.  The rebate applies to eligible policies which are ANZ Home Insurance Buildings cover, ANZ Home Insurance Contents cover, ANZ Landlord Insurance and ANZ Car Insurance and is subject to the  terms and conditions set out in the PDS for each product. This offer is also available to ANZ customers outside the anz@work program. These products are not a deposit or other liability of ANZ or its related group of companies and none of them stands behind or guarantees the issuers or the products. You should consider the relevant Product Disclosure Statement (available at or by calling 13 16 14) in deciding whether to acquire or continue holding these products.

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The advertised discount will remain active for the first year from the date when your account is created. After this period, standard brokerage rates will apply. The ANZ Share Investing service is provided by CMC Markets Stockbroking Limited ABN 69 081 002 851 AFSL 246381 (CMC Markets Stockbroking), a Participant of the Australian Securities Exchange (ASX Group), Sydney Stock Exchange (SSX) and Chi-X Australia (Chi-X), at the request of Australia and New Zealand Banking Group Limited ABN 11 005 357 522 (ANZ). Disclosure documents relating to ANZ Share Investing products and services are available on or by calling us on 1300 658 355. ANZ is the issuer of the ANZ Cash Investment Account, ANZ Share Investment Loan and ANZ V2 PLUS Account. The obligations of CMC Markets Stockbroking are not guaranteed by ANZ. CMC Markets Stockbroking and ANZ are not representatives of each other.

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The ANZ Share Investment Loan is provided by Australia and New Zealand Banking Group Limited ABN 11 005 357 522, AFSL 234527 ("ANZ").

An ANZ Share Investment Loan is subject to investment risks, including possible losses in income, capital invested and additional liability for the loan. We therefore strongly advise you talk to your financial planner, tax adviser and/or stockbroker and ensure you understand the risks, the specific tax implications as well as the legal and financial ramifications of a share investment loan.

ANZ does not give personal advice about the ANZ Share Investment Loan. This information is of a general nature and has been prepared without taking account of your objectives, financial situation or needs. You should consider the appropriateness of the information, having regard to your objectives, financial situation and needs. ANZ recommends that you read the ANZ Share Investment Loan Product Disclosure Statement and the ANZ Investment Lending Terms and Conditions which are available at or by calling the Client Services Team on   between 8.00am and 6.00pm (Sydney time) during ASX trading days before deciding whether to acquire, or to continue to hold the product.

All ANZ Share Investment Loan applications are subject to ANZ’s credit approval criteria. Fees and charges apply and are available at or by calling the Client Services Team on  between 8.00am and 6.00pm (Sydney time) during ASX trading days.

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ANZ Smart Choice Super and Pension is issued by OnePath Custodians Pty Limited (ABN 12 008 508 496, AFSL 238346, RSE L0000673), a wholly owned subsidiary of ANZ. This product is not a deposit or other liability of ANZ or its related group of companies and none of them stands behind or guarantees investments in the product. Temporary service disruptions may occur.

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ANZ Self Managed Super is offered by ANZ Self Managed Super Limited ACN 092 030 352 (ANZ SMSL), an authorised representative of RI Advice Group Pty Ltd ABN 23 001 774 125 AFSL 238429 (‘RI Advice’). ANZ SMSL and RI Advice are wholly owned, but non guaranteed subsidiaries.

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Transactions in excess of $1000 AUD equivalent are only available to ANZ personal customers who are defined as individuals who hold a Saving and Transaction, Credit Card, Everyday Visa Debit, Consumer Lending and/or Investment Lending Product. ANZ Cash sell rate will be applicable for the total value of packs purchased. Loose foreign currency and ANZ Cash Packs are available at ANZ branches, ANZ Foreign Exchange centres and via ANZ Phone Banking and are subject to stock availability. Standard product terms and conditions apply.

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BPAY is registered to BPAY Pty Ltd. ABN 69 079 137 518. 

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