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Flexible savings you're free to dip in to

Earn interest, pay bills and make transfers¹ using the ANZ Plus Flex Saver.

Explore ANZ Plus Flex Saver

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Rates
Pay and transfer
FAQs
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Save, earn and pay

Add an optional account designed to work with ANZ Save. You can use the ANZ Plus Flex Saver account to pay bills and make transfers,1 while earning a great rate for balances up to $5,000.2

Earn flexible interest

Earn 5.00% p.a. on balances up to $5,000 and 2.00% p.a. for every dollar after that.2

Save at your own pace

Save flexibly, without monthly qualifiers or needing to make minimum deposits. 

Dip in when you need it

Move money in and out, and still earn a great rate on balances up to $5,000.²

Pay bills and expenses

Earn interest on money set aside for bills and expenses and pay them directly.1

Earn interest

Earn a great rate on your first $5,000,² with flexibility to move money in and out of your account.

5.00% p.a.

on your first $5,000.²

2.00% p.a.

on every dollar over $5,000.²

Things to know
  • You can apply to open the ANZ Plus Flex Saver account in the ANZ Plus app after you have opened your ANZ Plus and ANZ Save accounts.
  • The ANZ Plus Flex Saver isn't available as a joint account, so you'll need to ride solo with this one.
  • Learn more about earning interest with ANZ Plus Flex Saver

Make payments from your savings

Set aside money for bills and expenses, then use this account to make payments using Pay Anyone, PayID®, PayTo®, Direct Debit and BPAY® – while earning interest on your balance.
Card payments are not available.

More from ANZ Plus

Want to smash your savings goals?

Use ANZ Save to grow your savings and you could earn bonus interest.3

Discover ANZ Save

Your questions answered

Am I eligible to join ANZ Plus?

To start banking with ANZ Plus, you need to be 15 years or older with an Australian residential address and a valid form of ID.

At the moment, these are the ID types we accept:

  • Australian driver's licence
  • Australian passport
  • International passport

Please keep in mind, ANZ Plus is just for personal use.

Joint accounts

In addition, to be eligible for Joint ANZ Plus and ANZ Save accounts, you and your plus one will each need to hold and continue to hold your own individual ANZ Plus and ANZ Save accounts.

You also won't be able to open new Joint ANZ Plus and ANZ Save accounts, if you've closed Joint ANZ Plus and ANZ Save accounts within the last 7 days.

ANZ Plus Flex Saver

To be eligible for an ANZ Plus Flex Saver account, you need to hold and continue to hold individual ANZ Plus and ANZ Save accounts. 

You also won't be able to open a new ANZ Plus Flex Saver account if you've closed an ANZ Plus Flex Saver account within the last 7 days.

Are there fees and charges for ANZ Plus?

There are no monthly account-keeping or subscription fees for ANZ Plus, ANZ Save and ANZ Plus Flex Saver accounts. However, there may be fees on certain transactions, such as using non-ANZ ATMs, international money transfers and overseas transactions (like online shopping or while you travel). 

If your ANZ Plus account is linked as an offset account to an ANZ Plus Home Loan, a monthly offset fee may apply. 

Refer to the ANZ Plus Deposit Account T&Cs for more information on fees that may apply.

How do I add money to my accounts?

You can use your account details to receive a payment from another bank, or head to an ANZ Smart ATM to deposit cash or an Australian cheque directly into your ANZ Plus or Save account.

You can also create a PayID to receive fast payments to your ANZ Plus account.

Better yet, give your account details to your employer and get your salary paid to your ANZ Plus account.

To view your account details (BSB and account number) go to the Profile icon and tap on Account Details.

Sending money from other ANZ accounts

The easiest way to send money from your other ANZ accounts is via Pay Anyone payments. You can make payments of up to a total of $25,000 a day from the ANZ App to your ANZ Plus or Save account. You will need to use Voice ID to make payments over $1,000.

You can also use Internet Banking to make additional payments of up to $25,000 a day. You’ll need the ANZ Shield app for payments over $10,000.

This means you will be able to pay up to a total of $50,000 from your other ANZ accounts into your ANZ Plus or Save account in a day by spreading your payments across the ANZ App and Internet Banking.

How do I open joint accounts with ANZ Plus?

You can invite your plus one to open Joint ANZ Plus and ANZ Save accounts with you in a few simple steps.  

To open and hold joint accounts, you’ll each need to have (and keep) your own individual ANZ Plus and ANZ Save accounts. 

When you’re ready to share an invite:  

  1. Go to the Profile icon. 
  2. Tap on Joint Accounts and follow the prompts. 

If you’re accepting an invite, you should find your invitation on the Money tab or by tapping on the Profile icon. To accept your invite, just open it and follow the prompts. 

If you're unable to share or accept an invite in the app, you may need to update your ANZ Plus app to the latest version from the App Store or Google Play Store.

Before you open your accounts

Any money in your joint accounts and any linked activity or features will be accessible by both you and your plus one, so make sure you only open joint accounts with someone you trust. 

You can only have Joint ANZ Plus and ANZ Save accounts with one other person, so choose your plus one wisely! 

Declining an invite 

If you don’t recognise an invitation, or think you’ve been invited by mistake, please:  

  1. Open the invite and select Review Invite.
  2. Select Decline Invite or Decline & Report Invite. 

Looking for a Joint ANZ Plus Flex Saver?

Unfortunately, the ANZ Plus Flex Saver is currently only available as an individual account, so you'll need to ride solo with this one.

Start saving today

You’ll need to set up ANZ Plus and ANZ Save accounts before opening an ANZ Plus Flex Saver account.

Minimum of iOS 15.0 or Android 7.0

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Explore more from ANZ Plus

Make regular saving more rewarding

Use ANZ Save to earn bonus interest when you grow your balance by $100 or more (on top of any interest you receive) each month.³

Explore ANZ Save

Sort your spending with ANZ Plus

Your ANZ Plus everyday transaction account is packed with personalised tools and insights to help you spend smarter.

Explore ANZ Plus

Could you save with an ANZ Plus home loan?

Applications open for eligible customers refinancing to a digital home loan that’s designed to help find ways to get ahead. 

Explore refinance

BPAY® is registered to BPAY Pty Ltd ABN 69079137518.

PayID® is a registered trademark of NPP Australia Limited. 


¹ Payment functionality on the ANZ Plus Flex Saver is limited to PayTo, BPAY, Direct Debit, Pay Anyone, and PayID. The ANZ Plus Flex Saver does not come with a linked Visa Debit card.

² Different 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 viable and subject to change. See the ‘Earning Interest’ section of the ANZ Plus Deposit Account T&Cs for more information about how interest is calculated. 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 the ANZ Plus and ANZ Save accounts.

³ We use the effective daily balance of your ANZ Save account at 11:59pm (AEST/AEDT) on the last business day of the month to determine if you've met your monthly savings target. Interest rates are variable and subject to change. See the ‘Earning interest’ section of the ANZ Plus Deposit Account T&Cs for more about what’s included in your balance, how interest is calculated and how we work out if you're eligible for bonus interest.