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Partner up with joint accounts

Spend together for the things you need and save together for the things you want with joint ANZ Plus and ANZ Save accounts.

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When two become one

Use joint ANZ Plus and ANZ Save accounts to track combined spending, chip away at shared savings goals, see predictions for upcoming expenses and more.

Join in minutes

Download the ANZ Plus app to open your own ANZ Plus and ANZ Save accounts. Then you and your plus one can open joint ANZ Plus and ANZ Save accounts.

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Spend together

Packed full of helpful tools and personalised insights, a Joint ANZ Plus account can help you and your plus one spend smarter together.

See ANZ Plus

Save together

You could reach your savings goals with a Joint ANZ Save account! Set targets and work towards multiple shared goals from the one account.

See ANZ Save

Pay your way

You’ll each receive your own ANZ Plus Visa Debit card for your Joint ANZ Plus account – you can also add your card to your digital wallet right away!

Learn more

Spend and save together

Helpful tools and features you can share with your plus one.

Things you should know

Joint accounts are there to be shared with a plus one of your choosing, but they might not be the right fit for you right now.

  • You can only have Joint ANZ Plus and ANZ Save accounts with one other person
  • To open joint ANZ Plus and ANZ Save accounts, you must first have (and keep) individual ANZ Plus and ANZ Save accounts
  • When you open your joint accounts, you'll both have equal and unrestricted access to these accounts – so chose your plus one wisely
  • The ANZ Plus Flex Saver account is not available as a joint account

Get started in the ANZ Plus app

Set up your individual and joint bank accounts in minutes.

Minimum of iOS 15.0 or Android 7.0

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Your questions answered

Can 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 Store tab.
  2. Tap on Joint Accounts.
  3. Tap Get Started and follow the prompts.

If you’re accepting an invite, you should find your invitation on the Money tab or by following the steps above.

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.

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.

How do joint accounts work?

With ANZ Plus, you can open joint accounts to spend and save with your plus one.

When you open joint accounts you’ll each get:

  • Two shared accounts – a Joint ANZ Plus account and a Joint ANZ Save account.
  • A Joint ANZ Plus Visa Debit card linked to your Joint ANZ Plus account.

You’ll also get to share the great features of the ANZ Plus app with your plus one so you can set and track towards shared goals, track your joint spending, plan for upcoming expenses together and more.

This may include visibility of the other person’s spending, including transaction time and location, when using their Joint ANZ Plus card. If you have notifications on, you'll also receive real-time updates linking to these details.

If they have notifications on, they'll see the same for you, so make sure you’re comfortable with the person you’re opening joint accounts with.

Accessing your joint accounts

You can access your joint accounts and shared features by switching to your Joint Accounts view. You can do this:

  • On the Money tab by selecting either your Joint ANZ Plus account or Joint ANZ Save account
  • When you go to the Card icon by swiping across to your Joint ANZ Plus card.

When you make payments and transfers, you’ll also be able to select between your individual and joint accounts and goals.

To continue to be able to access your Joint ANZ Plus and ANZ Save accounts, you and your plus one will both need to have and continue to hold individual ANZ Plus and ANZ Save accounts.

Add-Ons

If the other account holder has Add-Ons installed, they may also see activity relating to your joint account activity. For more details, check out 'How do I use or manage Add-Ons?'.

Signing authority

By default, your joint accounts allow either person to spend, pay or withdraw money without the other account holder’s permission.

If you need to change this to require both account holders to authorise withdrawals, transactions and payments, please send us a message.

You can send us a message if you have any issues or concerns with how your plus one is using the account.

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¹The upcoming expenses tool is a general guide only and is based on historical debits to the ANZ Plus and ANZ Plus Flex Saver accounts. Images and features shown are iOS versions. Feature availability and design may differ based on the device, operating system, or ANZ Plus app version.