Buying your next home?
See our home loan tools, articles and resources to help you explore your home loan options. We'll help you get to a good place.
A new way to bank
- Integrated transact and save accounts
- No monthly account feesdisclaimer
- Free to join
Download the app and join in minutes.
Minimum of iOS 15.0 or Android 7.0
What you’ll get
Two smart accounts
Get ANZ Plus, a transaction account that sorts your spending, linked to ANZ Save, a savings account that can help you reach your goals.
More ways to save
Choose to add a flexible account for savings you can dip into. Pay bills and make transfers straight from the optional ANZ Plus Flex Saver account.disclaimer
Extra layers of security
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.
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
There's more than one way to save with ANZ Plus. Discover accounts designed to work together to suit different kinds of saving.
How ANZ Plus can help you save:
- Earn bonus interest on your ANZ Save account when you grow your balance by $100 or more (on top of any interest you receive) each monthdisclaimer
- Set and track multiple savings goals in your ANZ Save account
- Round up extra cents on eligible card transactions and send them straight to your ANZ Save account
- Choose to add an ANZ Plus Saver account to set interest-earning money aside for bills and expensesdisclaimer
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 conversation
- 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 some of 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
ANZ Save
Included account on sign up
Standard rate + bonus rate
5.00% p.a.
Total rate. Here's how it works:
Standard rate 0.50%
on your total ANZ Save balance each month.disclaimer
plus
Bonus rate 4.50%
when you grow your ANZ Save balance by $100 or more (on top of any interest you receive) each month.disclaimer
ANZ Plus Flex Saver
Optional account
Interest rate
5.00% p.a.
on your first $5,000.disclaimer
then
2.00% p.a.
for every dollar over $5,000.disclaimer
Important:
To open and hold an ANZ Plus Flex Saver account, you’ll need to hold individual ANZ Plus and ANZ Save accounts.
Please note that interest is earned on ANZ Save and ANZ Plus Flex Saver balances only.
The ANZ Plus Flex Saver account isn't available as a joint account.
ANZ Plus, ANZ Save and ANZ Plus Flex Saver 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 |
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. Use the ANZ Plus app to open and manage ANZ Plus, ANZ Save and ANZ Plus Flex Saver accounts.
Can I access other accounts in the ANZ Plus app?
You can use the ANZ Plus app to view other eligible ANZ accounts, but to manage these accounts you will need to use other ANZ channels. Find out more here.
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.
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
 Download the ANZ Plus app. Minimum of iOS 15.0 or Android 7.0
|
 |
 Sign up in-app. Enter your details and have your eligible ID handy for scanning. |
 |
 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.”
Any advice is general and might not be right for you. The Financial Services Guide, Target Market Determination and ANZ Plus Deposit Account T&Cs are available for your reference. You should read them before deciding to apply for or keep these products.
Interest rates are variable and subject to change. To be eligible for the ANZ Plus Flex Saver account you must also hold ANZ Plus and ANZ Save accounts.
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 Deposit Account T&Cs for details of these fees. A $10 monthly fee applies if you link your ANZ Plus account to your ANZ Plus Home Loan as an offset account.
ReturnPayment functionality on the ANZ Plus Flex Saver is limited to PayTo, BPAY, Direct Debit, Pay Anyone, and PayID. Card Payments are not available.
ReturnThe upcoming expenses tool is a general guide only and is based on historical debits to ANZ Plus and ANZ Plus Flex Saver accounts.
ReturnWe use the effective daily balance of your ANZ Save account at 11:59pm (Melbourne time) on the last business day of the month to determine if you've met the requirement to grow your balance. See the ANZ Plus Deposit Account T&Cs for more about what’s included in your balance and how we work out if you're eligible for bonus interest. Interest rates are variable and subject to change.
To be eligible for the ANZ Save account you must also hold ANZ Plus account. Any advice is general and might not be right for you. The Financial Services Guide, Target Market Determination and ANZ Plus Deposit Account T&Cs are available for your reference (see links above). You should read them before deciding to apply for or keep these products.
ReturnDifferent interest rates apply to different parts of the effective daily balance of your ANZ Plus Flex Saver account. A higher rate applies for that part of the effective daily balance that is up to $5,000, and a lower rate applies to that part of your effective daily balance that is above $5,000. Interest rates are variable and subject to change. See www.anz.com.au/plus/interest-fees for interest rates. To be eligible for the ANZ Plus Flex Saver account you must also hold ANZ Plus and ANZ Save accounts.
Return