In this guide

  • Our verdict
  • Details
    • Key details
    • Eligibility
  • Key features
  • How to apply
  • Your reviews
  • Ask a question
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ANZ Plus Account

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ANZ Plus Account
Account keeping fee
ATM withdrawal fee
Overseas ATM withdrawal fee
Overseas transaction fee of transaction value

Our verdict

ANZ Plus offers a linked everyday and savings account with no monthly account fees. Plus, access digital tools and features to help you budget and save for different goals.

This is a unique two-in-one account bundle that gives you an everyday bank account and linked savings account in a dedicated mobile app that's just for these accounts. Having the 2 accounts side by side in your ANZ Plus app gives you good visibility over your everyday expenses and bills, alongside your savings goals. The app will show you how much you're spending month to month and how you're tracking against your savings goals.

The account has no monthly account keeping fees and you can set up your Visa Debit Card with Google Pay or Apple Pay to make secure contactless purchases. If you're planning to take this account travelling with you, there are overseas ATM fees when using ATMs owned by banks other than ANZ, and international transaction fees do apply.

Another thing to note is the ANZ Plus app is exclusively for these 2 accounts only, so if you've got another existing ANZ account you won't be able to see it in this app.


  • Linked bank account and savings account in one app
  • Automatic spending categorisation
  • No monthly account fees
  • In app coach messaging for account support


  • No access to ANZ branches
  • Overseas ATM fees apply when using an ATM not owned by ANZ
  • International transaction fees apply

In this guide

  • Our verdict
  • Details
    • Key details
    • Eligibility
  • Key features
  • How to apply
  • Your reviews
  • Ask a question

The linked everyday and savings accounts come as a two-for-one account bundle exclusively available via the ANZ Plus app. You can access a range of features to help you get more visibility and control over your money such as automatic spend categorisation and an expense prediction tool. Plus, there are no monthly account fees to worry about.


Key details

Product Name ANZ Plus Account
Monthly account fee $0
Card access Visa
Own network ATM fee $0
International ATM Fee $5
International transaction fee 3%
Monthly deposit required to waive account fee N/A
Contactless Payments Apple Pay, Google Pay, Samsung Pay, Garmin Pay


Minimum Age 15
Joint account availability No
Minimum opening deposit N/A
Residency status Have an Australian Residential Address

Key features

Only available via the ANZ Plus app

The ANZ Plus everyday account is exclusively available with the ANZ Plus app. It's designed with digital tools and features to help you manage your money. You can't access your ANZ Plus account via ANZ's standard mobile banking app or Internet banking platform.

Linked bank account and savings account

The ANZ Plus app comes with 2 linked accounts: an ANZ Plus everyday bank account and an ANZ Save account. The everyday account is your day-to-day account for spending and receiving payments, while your ANZ Save account pays interest on your balance to help you save.

You can move money between the 2 accounts easily and instantly in the app. You can't open these accounts separately, you'll get both when you download the ANZ Plus app.

No monthly fees

There are no monthly account keeping fees with the ANZ Plus account or the linked Save account, and no fees to download the app.

ANZ Plus Visa Debit Card

This account comes with a free ANZ Plus Visa Debit Card that's a sleek blue design, different to other ANZ cards you might have already. You can use the debit card in stores and online all around the world.

How to apply

To create an account, download the ANZ Plus app and complete the account set up and verification process via the app.

  • Age. You must be 15 or older to open an ANZ Plus account
  • Residency. You must have an Australian residential address.

Your reviews

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February 07, 2024

I am an existing ANZ customer, within my range of business accounts I have 2 accounts that act as savings accounts, one account I pay into weekly to cover my GST bill, the other I pay into to cover my mortgage, neither earn any interest and probably cost me money!! can you recommend an account where these savings can sit and earn interest until the funds are required. preferable at little or no cost to me.

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Sarah Megginson Finder

February 14, 2024

Hi Garry,

Business accounts typically attract lower interest rates than personal savings accounts, although there are some that pay up to 4.75% as of today. You can review a range of options on business savings accounts here.

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January 24, 2024

I see that a daily transfer OUT limit on the ANZ save Account is $5,000. How do I organise to increase this limit to a transfer limit of my choice ?


Jason Loewenthal Finder

February 02, 2024

Hi Jukie,

$5,000 is the default limit.

1. Go to the Profile icon.

2. Tap on Payment Settings.

3. Select the limit you’d like to update.

I hope that helps.



January 04, 2024

If I open ANZ account with Visa debit card can I make card payment to the platfroms like Binance?


Richard Whitten Finder

January 09, 2024

Hi Tomasz,

I suggest checking with ANZ directly if you are unsure about this. Some banks do limit the amount of money you can send to cryptocurrency platforms each month, and this may apply here.



August 30, 2023

So the anz save account comes with an everyday account linked to it. Are there any fees or requirements attached to the everyday account? Would it be a problem for my balance in the everyday account to be 0?

Would I be able to transfer money from a different bank to the save account?


Alison Banney Finder

August 31, 2023

Hi, there are no monthly account keeping fees on the everyday account (ANZ Plus). However, other fees and charges do apply for example international transaction fees and overseas ATM fees. You can first transfer money from an external bank account into the Plus account, then instantly move it from there into your Save account via the app.

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Steve Nguy

August 16, 2023

I don’t seem to be able to find PayID on the app? I have been transferring money using BSB and Account Number. Please advise


Alison Banney Finder

August 23, 2023

Hi Steve, I’d suggest you reach out to one of the ANZ Coaches available in the ANZ Plus app who can guide you on how to access/use PayID for your account. Thanks.

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