Fraud protection.
Now it’s personal.
ANZ Falcon® technology monitors millions of transactions every day to help keep you safe from fraud.
Falcon® is a registered trademark of Fair Isaac Corporation.
Two smart accounts.
One beautiful app.
- Get two linked accounts designed to help you spend less and save more
- No monthly account feesdisclaimer
- Free to join
Download the app and get started in minutes.
Minimum of iOS 15.0 or Android 7.0
What you’ll get
Two smart accounts
Get a transaction account that helps sort your spending and a savings account that can help you reach your goals.
No monthly account fees
You won’t pay any monthly account fees with ANZ Plusdisclaimer. Plus there are no withdrawal fees at most ATMs owned by major banks in Australia.
Expert support
You’ll have some of our toughest security features helping protect you and your money. Including ANZ Falcon® Technology, Selfie ID, Scam Safe and more.
How is ANZ Plus different?
ANZ Plus is ANZ’s digital banking service, with tools and features designed to help you improve your financial wellbeing.
With the ANZ Plus app you can open and manage your own ANZ Plus and ANZ Save accounts – or joint accounts with your plus one. You can explore the benefits of refinancing to our digital home loan designed to own your home sooner.
Can I access other accounts in the ANZ Plus app?
You can’t access other ANZ accounts in the ANZ Plus app. Instead go to:
- the ANZ App
- ANZ Internet Banking
- ANZ branches, or
- call ANZ
Some things not available with ANZ Plus
ANZ Plus isn’t supported in ANZ branches, the ANZ App or ANZ Internet Banking.
ANZ Plus also doesn’t offer:
- overdrafts
- outbound international money transfers
- cheques
If you’re under the age of 15, or looking for a credit card, then check out other ANZ products.
Smart ways to control your spend
See where your money goes with an everyday account that sorts your spending and helps you manage your budget better.
Additional ANZ Plus account features:
- See predictions for upcoming payments, bills, and subscriptionsdisclaimer
- Fast payments with Osko and PayID®, as well as PayTo®, Apple Pay, Google Pay, Samsung Pay and Garmin Pay for contactless payments.
- Add your own tags to quickly filter through and track your transactions
- Turn on real-time transaction notifications to get handy updates, like when you get paid
Smart ways to help you save
Earn interestdisclaimer on all your savings goals with a multi-goal ANZ Save account that also helps to make saving easier.
Additional ANZ Save account features:
- Track multiple savings goals all from one account without opening new accounts
- Add a target date and amount to your goals and see how much you need to save each week
- Set up regular transfers to help keep your savings on track and watch them grow
- Round up extra cents on eligible card transactions and send them to your savings
Get help when you need it
Securely message in-app and a Coach will reply as soon as they can, Monday to Friday, 9am to 5pm AEST (excluding National Public Holidays).
Additional support features:
- Book a 1-on-1 appointment in-app to focus on financial wellbeing and mastering the app
- Video chat with a Coach in the app for a secure face-to-face talk about your financial wellbeing
- Connect with a Coach and get tips and tricks to help you master budgeting and saving
- Check our in-app quick topics and FAQs for fast answers to your burning questions
Extra layers of security
It’s nice to have some of the smartest, toughest security features and ANZ Falcon® Technology helping to protect you from fraud and scams.
Additional security features:
- Securely verify your identity with Selfie ID to make sure it’s really you
- A dynamic CVV that changes every 12 hours to help you make more secure online payments
- Temporarily block a lost or stolen card in the app or order a replacement if you need it
- Extra layers of security to help safeguard you and your money with our enhanced Scam Safe controls and features
Earn interest on your ANZ Save balance, including your savings goals.
ANZ Save interest
p.a. if your total ANZ Save balance is less than $250kdisclaimer |
p.a. if your total ANZ Save balance is $250k or moredisclaimer |
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Important:
You can earn interest this way until 1st September 2024, after which additional criteria will apply which may impact how you earn interest. Interest rates are subject to change. To learn more about how your interest will be calculated, click here. Please note that interest is earned on ANZ Save balances only.
ANZ Plus and ANZ Save accounts have no monthly account fees. Some fees that may apply:
ATMs in Australia |
No transaction fees at ATMs owned by major banks in Australia |
International ATM withdrawal |
$5 (or free at any ANZ ATM) |
Overseas transactions |
3% of transaction value. |
Inward international money transfer |
May incur a fee of up to $15 |
Get started with ANZ Plus
Join in minutes now
ANZ Plus is free to join. You’ll need to download the ANZ Plus app to get started.
Eligibility criteria:
- 15+ years of age
- Australian resident
- Australian residential and mailing address
- Australian/International passport or Australian drivers licence
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 Download the ANZ Plus app.
Minimum of iOS 15.0 or Android 7.0 |
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 Sign up in-app. Enter your details and have your eligible ID handy for scanning. |
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 Smile! Snap a selfie to confirm it’s really you. |
That’s it – you’re ready to go!
Once you’ve joined, add your card to your digital wallet to access your money right away. Your new ANZ Plus Visa Debit card should arrive in the mail within 5 to 10 days.
Having trouble joining? Check our FAQs.
Customer reviews
ANZ Plus customer
Love the new ANZ product
"I think this is by far the best banking app I have used. It has features not seen in other products and security features that make it in my opinion the leader of the banking app platform."
ANZ Plus customer
Love ANZ Plus
“I’ve never used an easier app than ANZ Plus. It’s incredibly user friendly, saves all my billers, and makes my life super easy.”
ANZ Plus customer
Great app!
“Beautiful interface. Can create multiple savings buckets under just 1 savings account.”
If ANZ Plus isn’t right for you right now, check out our other ANZ products on anz.com
Apple, Apple Pay and iPhone are trademarks of Apple Inc., registered in the U.S. and other countries.
Google Pay, and the Google Logo are trademarks of Google LLC.
Samsung and Samsung Pay are trademarks or registered trademarks of Samsung Electronics Co., Ltd.
Garmin, the Garmin logo, and the Garmin delta are trademarks of Garmin Ltd. or its subsidiaries and are registered in one or more countries, including the U.S. Garmin Pay is a trademark of Garmin Ltd. or its subsidiaries.
PayID® is a registered trademark of NPP Australia Limited.
BPAY® and Osko® are trademarks of BPAY Pty Ltd ABN 69 079 137 518.
ANZ Plus reviews and star rating refers to the ANZ Plus app reviews and rating in the Apple App Store. Please refer to the Apple App Store for current rating.
Transaction fees may apply, see the ANZ Plus and ANZ Save Accounts T&Cs for details of these fees.
ReturnThe upcoming expenses tool is a general guide only and is based on historical debits to your ANZ Plus account. Images and features shown are iOS versions. Feature availability and design may differ based on the device, operating system, or ANZ Plus app version.
ReturnThe interest rate that applies to your entire ANZ Save balance may change depending on the daily balance. A lower interest rate will apply across the entire ANZ Save balance if the daily balance is $250,000 or more. You can earn interest this way until 1st September 2024, after which additional criteria will apply that may affect how much interest you earn. Interest rates are subject to change. For more information click here.
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