ANZ savings and bank accounts
ANZ offers savings accounts and bank accounts to suit different customers including kids, pensioners and business owners.
ANZ savings accounts, bank accounts and term deposits
ANZ savings accounts
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How we picked theseHow the Finder Score helps you find a better savings account
The Finder Score is a simple score out of 10. The higher a savings account's score, the better we think it is for the average customer.
We score each savings account in our database of hundreds based on a data-driven methodology with 2 main criteria: Does the account offer a high interest rate? And is it easy for savers to actually earn that rate?
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ANZ bank accounts
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How we picked theseFinder Score for bank accounts
We assess multiple product features for transaction accounts from over 100 providers and assign each product a score out of 10.
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ANZ term deposits
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How we picked theseFinder Score for term deposits
Finder Score assigns Term Deposit products a score out of 10, comparing interest rates and features, to make comparison easier. We assess over 150 products from more than 90 providers, assessing products across different terms to determine an average score per product.
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Pros and cons of banking with ANZ
Pros
- Wide range of accounts for personal, business, student, senior, pensioner, and child customers
- Strong global presence with branches and ATMs in multiple countries
- Large ATM and branch network within Australia
Cons
- Some accounts require meeting conditions to receive monthly fee waivers
- Savings account interest rates are generally less competitive than many smaller or digital banks
How to apply for a ANZ savings account
Applying online for a new bank account is fast and easy. You'll need identity documents such as your driving licence or passport. For more about the process, check out our full guide to opening an account online.
Sources
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Read more on Bank Accounts
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ANZ SMSF Cash Hub Account
This account is for SMSF trustees to access their SMSF cash balance, to make payments and investments, and to receive income to the one account.
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ANZ Access Basic
Are you a Concession card holder? This account could help you manage your day-to-day finances while charging no account keeping fees.
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ANZ Advance Notice Term Deposit
Take advantage of more flexibility with a term deposit that allows you to give notice when you need your funds.
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ANZ Premium Cash Management Account
Managing your investment money is easy with an account that provides multiple access methods and no fee banking.
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ANZ Pensioner Advantage account
Have financial peace of mind by managing your pension income from an interest-earning transaction account by ANZ.
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ANZ Online Saver Account
With an ongoing interest rate from ANZ, the Online Saver is a set-and-forget option.
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ANZ Progress Saver savings account
If you have a long term financial goal that you want to work towards, the Progress Saver from ANZ is an account worth looking into.
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ANZ Access Advantage Transaction Account
With its flexibility in purchase options and virtually fee-free transactions, this is an everyday account to consider if you are able to meet the monthly minimum deposit requirement.
Business property loan rates?
Hi Nerilie, Check out our guide to ANZ Business Loans for more on this. It’s hard to quote a typical rate as it depends on the business.
I want to get a debit card for our Body Corporate to enable retail purchases. When we want to buy something, such as cleaning supplies or equipment from Bunnings, we put enough money on the card to cover the cost. Otherwise we need a committee member to purchase the goods then reimburse them. It’s a pain.
How can we get a debit card?
Hi Richard,
The debit card will need to be linked to a transaction account in the Body Corporate’s name. So you’ll need to contact the bank your Body Corporate uses.
Does Anz have a o fee transaction card for travelling overseas?
Hi Donna, both ANZ bank accounts (the ANZ Plus and ANZ Access Advantage) charge international transaction fees and international ATM fees.
Our guide on Travel Debit Cards may help with your research and comparison: https://www.finder.com.au/bank-accounts/best-debit-card-to-use-overseas
Thanks,
Alison
The interest rates for the ANZ Advance Notice Product are incorrect as per ANZ’s website. You should update them given you have a ‘fact checked’ tick at the top of the page – seems to be not fully fact checked.
Hi Sean,
The rates are correct as per ANZ’s website, which you can see here: https://www.anz.com.au/personal/bank-accounts/manage-my-accounts/rates-fees-terms/#termdeposit
Note that the rates shown on our page are for interest paid at maturity, or annually for deposits 1+ year long.
Am I covered for up to $250,000 for monies on my ANZ bank accounts? Is the ANZ Bank covered by the Federal Guarantee Scheme in the event of a collapse? Is the ANZ bank in which I have my funds at – Kew Branch- incorporated in Australia? The Guarantee applies only to Banks incorporated in Australia … Does it apply to my ANZ Bank here in Kew, Melbourne? Please advise urgently…
Hi Savas,
Yes, your deposit up to $250,000 in an ANZ account is covered by the government’s guarantee scheme.
Thanks,
Alison