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Your Money Report

Get a better perspective of your money

Sometimes it’s the little things you don’t expect that can chip away at your savings. That’s why, we’ve created Your Money Report – it’s packed with insights to help you get to know your money better.

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How it works

What you get

What's next


A simple way to track your spend

Every month, Your Money Report gives you a personalised snapshot of some of your money in and money out across eligible ANZ accounts.



You can access Your Money Report via:

ANZ Internet Banking

Follow these steps to access your report via ANZ Internet Banking.

  1. Log in to ANZ Internet banking
  2. Click on the ‘Your Money Report’ button located under your accounts on the home page

The ANZ App

Follow these steps to access your report via the ANZ App.

  1. Log in to the ANZ App
  2. Select 'For You'
  3. Tap on 'Your Money Report'

Please allow 5-10 seconds for the report to load in the ANZ App.

Download the ANZ App now.


It can often be the little things that chip away at your savings.

And while everyday spending is easier than ever, it’s getting harder to keep track of.

That’s why we’ve created Your Money Report. A handy tool designed to help you spot saving opportunities.

Your Money Report provides you with a personalised snapshot of some of the money coming in and going out across your eligible ANZ accounts.

Now, let’s get down to the details.

First up, you’ll see handy highlights of how you spent some of your money in the previous month...

...and how it compares to your average monthly spend over the last 12 months.

You’ll be able to see the percentage difference between your money in and money out... you can think about whether more could be added to your savings.

The money out of your eligible accounts will first be broken down into broad categories like Spending & Transfers, Bills, and Loan Repayments.

After that, you’ll find a breakdown of your spending by category…

...and by merchant.

It could help you decide on where to make tweaks to your spending habits.

Your Money Report also contains a 12 month summary of your spending.

It’ll be broken down just like your monthly summary.

A simple bar chart will show you when your spend was the highest across the last 12 months.

Take a second to work out if this is due to yearly events like birthdays, rego renewal or holidays.

You could get ahead of the game and put some extra funds aside for those months.

So, where can you access Your Money Report?

Simply log in to the ANZ App

Select ‘For you’

Tap on ‘Your Money Report’

You can send Your Money Report to your email and view it in detail on another device.

Get started and get a better perspective of your money.

Terms and conditions apply. Consider if right for you.

What you get

More visibility

Your spending is grouped by category and merchant to give you an idea of where your money is going.

Personalised insights

You could find opportunities to save with a new perspective of your money.

Easy to read graphs

Get a simple cashflow summary of your eligible ANZ accounts.disclaimer


A monthly report

Access up to six months’ worth of reports easily in the ANZ App. Plus, each report covers a 12-month period.

What's next?

Set a savings goal icon

I'm ready to set a savings goal

Love Your Money Report and found some opportunites to save? Setting a savings goal in the ANZ App could help you track your progress. ANZ App users saved 2x fasterdisclaimer after setting a savings goal.

You can set a goal on your ANZ Progress Saver or ANZ Online Saver account today.

Learn more

Open an everyday account

I'm new to ANZ

Get on top of your money with an everyday account.

Our everyday accounts give you the flexibility to use, move and manage your money easily and securely.

Tell me more

Understand more

Your Money Report is available to ANZ customers who hold eligible ANZ accounts and are registered for the ANZ App or Internet Banking. For a current list of eligible accounts refer to eligible product list (PDF 72kB). Further information on understanding accounts within Your Money Report is available on pages 13 to 15 of your report.

A snapshot of some of your transactions for all your eligible accounts will appear in the report.

Your Money Report will not contain any credit card transactions where you are not the credit card account holder, but are an additional cardholder on someone else’s account.

ANZ Plus products are not included within Your Money Report. As an ANZ Plus customer, the ANZ Plus App has interactive insights into your spend across your ANZ Plus everyday and Save accounts.

You may not see your report in the ANZ App or Internet Banking for multiple reasons:

  • There may be no transactions made on any eligible account(s) for the relevant time period
  • You may not hold an eligible account
  • You only hold an ANZ credit card as an additional cardholder rather than the primary cardholder

In some instances, not all category classifications will match the relevant merchant names, however, this information is constantly reviewed, and we may continue to make improvements over time. In addition, while every effort has been made to provide the correct category there may be some instances where spending has not been categorised and treated as ‘Unclassified’ or falls into an ‘Other expenses’ category.

All merchant information is provided by our third-party supplier, Look Who’s Charging Pty Ltd. In some instances, Look Who's Charging may be unable to match a particular transaction with a merchant. 

No, the report is not a statement of your financial position nor is it intended to constitute financial advice. The report should not be relied on when making financial decisions, preparing any budget plans nor should it be used to apply for a credit card or other loan products.

The treatment of some specific scenarios have been explained here. We encourage this webpage is read together with pages 13 to 15 of your report.

The ANZ App is provided by Australia and New Zealand Banking Group Limited (ANZ) ABN 11 005 357 522. Super and Insurance (if available) are not provided by ANZ but entities which are not banks. ANZ does not guarantee them. This information is general in nature only and does not take into account your personal objectives, financial situation or needs. ANZ recommends that you read the ANZ App Terms and Conditions available here for iOS (PDF) and here for Android (PDF) and consider if this service is appropriate to you prior to making a decision to acquire or use the ANZ App.

Eligible ANZ accounts only. Find the list here (PDF 72kB).


Compares avg monthly uplift in savings growth for a number of ANZ Progress Saver and/or ANZ Online Saver accounts with a goal vs accounts without for Aug-19 to July-21.