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.
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
More info
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ANZ logo
Finder score
Finder score
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
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
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
Finder score
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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ANZ logo
Finder score
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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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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 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
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 $100,000 to $249,999
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 $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.
0.65%
Standard Variable Rate p.a.
0.65%
Intro/Ongoing
Ongoing rate
(conditions apply)
Balance from $500,000
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
Compare product selection
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
Compare product selection
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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
Finder score
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 logo
Finder score
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
Compare product selection
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
    georgeNovember 17, 2022

    hi there
    how can i open a anz joint account online

      Alison Banney's headshotFinder
      AlisonNovember 22, 2022Finder

      Hi George,

      If you are looking for an ANZ joint account, you can choose between, ANZ Access Advantage and ANZ Online Saver. Both of these savings accounts have joint account access. You can apply directly on their website. Just make sure you meet the eligibility criteria and have the necessary documents handy before you start your application.

      All the best,
      Alison

    Default Gravatar
    OVTravellerDecember 20, 2021

    I wish to remit several 100k to a son who lives in Memphis USA! but was advised that the ANZ branches were not able to assist with this transaction. Please advise how to proceed, preferable with my ANZ bank

      Alison Banney's headshotFinder
      AlisonJanuary 12, 2022Finder

      Hi,

      To make a transfer of that amount overseas, you’ll need to touch base with the ANZ International Payments team. This is a specific team that has specific security processes. To complete an international money transfer, you can call 1800 352 535, from overseas +61 3 9683 9999 (reverse charges) available from 8 am to 8 pm AEST (cut-off timeframe for an international money transfer is 7:30 pm AEST), Monday to Friday.

      Best,
      Alison

    Default Gravatar
    SueFebruary 20, 2018

    Which bank will allow me to open a trust account for Grandchildren if I don’t have their birth certificates?

      Default Gravatar
      JoelMarch 8, 2018

      Hi Sue,

      Thanks for leaving a question on Finder.

      We have a comparison of trust account for your children. However, you may need your child’s birth certificate and other forms of acceptable ID, for example, a Medicare card or school attendance letter. The documentation requirements vary between banks, so it’s a good idea to phone ahead and confirm what paperwork you need to bring. Finally, you will need to provide your Tax File Number (TFN) when you open an account. Read on for information about why this is important.

      Please check out the comparison table from the link above then click the name of your preferred account to find out the details and their minimum eligibility. You may then click the green ‘Go to site’ button to get in touch with the bank and to submit your application online.

      Before applying, please ensure that you meet all the eligibility criteria and read through the details of the needed requirements as well as the relevant Product Disclosure Statements/Terms and Conditions when comparing your options before making a decision on whether it is right for you. You can also contact the provider if you have specific questions.

      Cheers,
      Joel

    Default Gravatar
    AlisonJanuary 31, 2018

    I’m moving to Australia from NZ. The money I’m bringing over is around $400,000. What’s the best and cheapest way for me to transfer. Which is the best account to open?

      Default Gravatar
      AshFebruary 16, 2018

      Hi Alison,

      Thank you for reaching out to us.

      You may like to reconsider opening a multi-currency account. This type of savings account allows you to hold different currencies (the popular ones) including NZD in one account. You can also deposit your money in NZD (with varying fees, depending on the account). When you arrive in Australia, you can then withdraw them in AUD denominations. While these accounts accept non-Australian citizens, they may require you to have an Australian address when you apply. Best to contact the bank first to confirm this info and discuss your other questions related to account opening. Please read through the guide on that page to get more details about how multi-currency accounts work and the possible fees you may incur.

      For your options in sending money to Australia, you may refer to our list of money transfer services with no maximum sending limit. Our page provides information on what you should know when sending large sums into Australia.

      I hope this helps.

      Please do not hesitate to reach out to us again if you have additional questions.

      Cheers,
      Ash

    Default Gravatar
    BenjaminJanuary 7, 2016

    Can I open an ANZ banking account in Australia as a non-resident/tourist?

      Shirley Liu's headshotFinder
      ShirleyJanuary 7, 2016Finder

      Hi Benjamin,

      Thanks for your question.

      You can open an ANZ bank account if you intend to stay in Australia for an extended period of time, such as expats or migrants.

      Short-term tourist Visa holders may not be eligible and are assessed on a case-by-case basis.

      Cheers,
      Shirley

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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