ANZ savings and bank accounts

ANZ offers savings accounts and bank accounts to suit different customers including kids, pensioners and business owners.

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ANZ

ANZ savings accounts, bank accounts and term deposits

ANZ savings accounts

20 of 21 results
Finder Score Maximum interest rate Base interest rate Max rate type & duration Monthly max rate conditions
ANZ logo
Finder score
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Maximum Variable Rate p.a.
3.05%
Standard Variable Rate p.a.
0.01%
Intro/Ongoing
Ongoing rate
(conditions apply)
Deposit $10 each month
No withdrawals
More info
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ANZ logo
Finder score
Finder score
Maximum Variable Rate p.a.
3.05%
Standard Variable Rate p.a.
0.01%
Intro/Ongoing
Ongoing rate
(conditions apply)
Deposit $10 each month
No withdrawals
Under 18s
More info
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ANZ logo
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Finder score
Maximum Variable Rate p.a.
1.75%
Standard Variable Rate p.a.
1.75%
Intro/Ongoing
Ongoing rate
(conditions apply)
Balance from $50,000
Centrelink pension or a Veterans’ Affairs pension receiver
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ANZ logo
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Maximum Variable Rate p.a.
1.55%
Standard Variable Rate p.a.
1.55%
Intro/Ongoing
Ongoing rate
(conditions apply)
Balance from $10,000
More info
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ANZ logo
Finder score
Finder score
Maximum Variable Rate p.a.
1.15%
Standard Variable Rate p.a.
1.15%
Intro/Ongoing
Ongoing rate
(conditions apply)
Balance $10,000 to $49,999
Centrelink pension or a Veterans’ Affairs pension receiver
More info
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ANZ logo
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Maximum Variable Rate p.a.
0.65%
Standard Variable Rate p.a.
0.65%
Intro/Ongoing
Ongoing rate
(conditions apply)
Balance from $500,000
More info
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ANZ logo
Finder score
Finder score
Maximum Variable Rate p.a.
0.65%
Standard Variable Rate p.a.
0.65%
Intro/Ongoing
Ongoing rate
(conditions apply)
More info
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ANZ logo
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Finder score
Maximum Variable Rate p.a.
0.45%
Standard Variable Rate p.a.
0.45%
Intro/Ongoing
Ongoing rate
(conditions apply)
Balance $250,000 to $499,999
More info
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Maximum Variable Rate p.a.
0.25%
Standard Variable Rate p.a.
0.25%
Intro/Ongoing
Ongoing rate
(conditions apply)
Balance $0 to $9,999
More info
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Finder score
Maximum Variable Rate p.a.
0.15%
Standard Variable Rate p.a.
0.15%
Intro/Ongoing
Ongoing rate
(conditions apply)
Balance from $5,000,000
More info
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ANZ logo
Finder score
Finder score
Maximum Variable Rate p.a.
0.15%
Standard Variable Rate p.a.
0.15%
Intro/Ongoing
Ongoing rate
(conditions apply)
Balance $500,000 to $4,999,999
More info
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ANZ logo
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Finder score
Maximum Variable Rate p.a.
0.05%
Standard Variable Rate p.a.
0.05%
Intro/Ongoing
Ongoing rate
(conditions apply)
Balance $100,000 to $249,999
More info
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ANZ logo
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Finder score
Maximum Variable Rate p.a.
0.05%
Standard Variable Rate p.a.
0.05%
Intro/Ongoing
Ongoing rate
(conditions apply)
Balance $5,000 to $24,999
More info
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ANZ logo
Finder score
Finder score
Maximum Variable Rate p.a.
0.05%
Standard Variable Rate p.a.
0.05%
Intro/Ongoing
Ongoing rate
(conditions apply)
Balance $25,000 to $49,999
More info
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ANZ logo
Finder score
Finder score
Maximum Variable Rate p.a.
0.05%
Standard Variable Rate p.a.
0.05%
Intro/Ongoing
Ongoing rate
(conditions apply)
Balance $25,000 to $249,999
More info
Compare product selection
ANZ logo
Finder score
Finder score
Maximum Variable Rate p.a.
0.05%
Standard Variable Rate p.a.
0.05%
Intro/Ongoing
Ongoing rate
(conditions apply)
Balance $0 to $9,999
Centrelink pension or a Veterans’ Affairs pension receiver
More info
Compare product selection
ANZ logo
Finder score
Finder score
Maximum Variable Rate p.a.
0.05%
Standard Variable Rate p.a.
0.05%
Intro/Ongoing
Ongoing rate
(conditions apply)
Balance $250,000 to $499,999
More info
Compare product selection
ANZ logo
Finder score
Finder score
Maximum Variable Rate p.a.
0.05%
Standard Variable Rate p.a.
0.05%
Intro/Ongoing
Ongoing rate
(conditions apply)
Balance $10,000 to $24,999
More info
Compare product selection
ANZ logo
Finder score
Finder score
Maximum Variable Rate p.a.
0.05%
Standard Variable Rate p.a.
0.05%
Intro/Ongoing
Ongoing rate
(conditions apply)
Balance $50,000 to $99,999
More info
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ANZ logo
Finder score
Finder score
Maximum Variable Rate p.a.
0.00%
Standard Variable Rate p.a.
0.00%
Intro/Ongoing
Ongoing rate
(conditions apply)
Balance $0 to $4,999
More info
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Showing 20 of 21 results

How 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?

Read the full breakdown

Want more interest on your savings?

Compare now and find a better rate.

ANZ bank accounts

6 of 6 results
Finder Score Monthly fee Govt. Guarantee Own network ATM fee Card type
ANZ Plus logo
Finder score
ANZ Plus Everyday
Apple Pay Google Pay Samsung Pay Garmin Pay
Finder score
Monthly fee
$0
Government Guarantee
Own network ATM fee
$0
Card type
Visa
More info
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ANZ logo
Finder score
ANZ Business Essentials
Apple Pay Google Pay Samsung Pay
Finder score
Monthly fee
$0
Government Guarantee
Own network ATM fee
$0
Card type
Visa
More info
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ANZ logo
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ANZ Business Extra
Apple Pay Google Pay Samsung Pay Garmin Pay
Finder score
Monthly fee
$10
Government Guarantee
Own network ATM fee
$0
Card type
Visa
More info
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ANZ Access Advantage
Apple Pay Google Pay Samsung Pay Garmin Pay
Finder score
Monthly fee
$5
Government Guarantee
Own network ATM fee
$0
Card type
Visa
More info
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ANZ logo
Finder score
ANZ Access Basic
Apple Pay Google Pay Samsung Pay Garmin Pay
Finder score
Monthly fee
$0
Government Guarantee
Own network ATM fee
$0
Card type
Visa
More info
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ANZ logo
Finder score
ANZ Foreign Currency Account
Apple Pay Google Pay Samsung Pay6 currencies
Finder score
Monthly fee
$0
Government Guarantee
Own network ATM fee
Card type
Visa
More info
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Showing 6 of 6 results

Finder 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.

Read the full methodology

Looking for a better bank account?

Compare everyday accounts and find one that works harder for you.

ANZ term deposits

2 of 2 results
Finder Score 3 Mths p.a. 6 Mths p.a. 10 Mths p.a. 12 Mths p.a. 24 Mths p.a.
ANZ logo
Finder Score
Finder Score
3 Mths p.a.
2.70%
6 Mths p.a.
2.95%
10 Mths p.a.
3.25%
12 Mths p.a.
3.65%
24 Mths p.a.
3.40%
More info
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ANZ logo
Finder Score
Finder Score
3 Mths p.a.
3.00%
6 Mths p.a.
3.10%
10 Mths p.a.
-
12 Mths p.a.
3.60%
24 Mths p.a.
-
More info
Compare product selection
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Showing 2 of 2 results

Finder 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.

Read the full methodology

Lock in a great rate

Compare term deposits to grow your savings with confidence.

What do Australians think of ANZ bank account?

  • 4.06/5 overall for Customer Satisfaction - lower than the average of 4.11
  • 4.39/5 for Trust - lower than the average of 4.43
  • 4.02/5 for Customer Service - lower than the average of 4.07

Based on ANZ bank account scores in Finder's 2024 & 2025 Customer Satisfaction Awards.

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

Alison Banney's headshot
Written by

Editorial Manager, Money

Alison is an editor at Finder and a personal finance journalist with over 10 years of experience, having contributed to major financial institutions and publications such as Westpac, Money Magazine, and Yahoo Finance. She is frequently quoted in media outlets like SmartCompany and SBS, offering expert insights on superannuation and money management. Alison holds a Bachelor of Communications in Public Relations and Journalism from the University of Newcastle, and has earned three ASIC RG146 certifications in superannuation, securities and managed investments and general financial advice, ensuring her expertise is fully aligned with ASIC standards. See full bio

Alison's expertise
Alison has written 660 Finder guides across topics including:
  • Superannuation
  • Savings accounts, bank accounts and term deposits
  • Budgeting and money-saving hacks
  • Managing the cost of living

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24 Responses

    Default Gravatar
    NerilieFebruary 4, 2025

    Business property loan rates?

      Angus Kidman's headshotFinder
      AngusFebruary 6, 2025Finder

      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.

    Default Gravatar
    RichardDecember 16, 2024

    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?

      Richard Whitten's headshotFinder
      RichardDecember 18, 2024Finder

      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.

    Default Gravatar
    DonnaJune 19, 2023

    Does Anz have a o fee transaction card for travelling overseas?

    Default Gravatar
    SeanMay 3, 2023

    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.

    Default Gravatar
    SavasMarch 20, 2023

    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…

      Alison Banney's headshotFinder
      AlisonMarch 20, 2023Finder

      Hi Savas,
      Yes, your deposit up to $250,000 in an ANZ account is covered by the government’s guarantee scheme.
      Thanks,
      Alison

Read more on Bank Accounts

  • 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.

  • 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.

  • 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.

  • ANZ Premium Cash Management Account

    Managing your investment money is easy with an account that provides multiple access methods and no fee banking.

  • ANZ Pensioner Advantage account

    Have financial peace of mind by managing your pension income from an interest-earning transaction account by ANZ.

  • ANZ Online Saver Account

    With an ongoing interest rate from ANZ, the Online Saver is a set-and-forget option.

  • 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.

  • 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.

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