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An everyday account that sorts your spending

ANZ Plus is a transaction account packed full of helpful tools and personalised insights to help you spend smarter.

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ANZ Plus is made to do more

Get in front with ANZ Plus, a modern everyday transaction account that helps you understand your money habits, spend smarter and stay in control. You’ll also get ANZ Save, a linked multi-goal savings account to help you smash your goals.

Sign up in minutes

Download the ANZ Plus app to join and open your accounts in minutes.

No monthly account fees

No monthly account fees¹ and no withdrawal fees at domestic major Australian bank ATMs.

Spend categories and insights

See upcoming expenses, as well as spend categories and summaries to help manage your budget.

Security you can bank on

Some of the smartest, toughest security is on your side with ANZ Falcon™ 24/7 fraud monitoring and additional account security features. 

Up your money game

Take control of your money with our latest tools and features, designed to help you
improve your financial wellbeing.

Join ANZ Plus in minutes 

Download the ANZ Plus app to join and open your accounts in minutes.

Get ANZ Plus

Spend right away

No downtime — you can use your digital wallet to access your funds right away with no need to wait for your physical card to arrive.

More ways to pay

Use your ANZ Plus Visa Debit card to make purchases in person, online and overseas.

Contactless

Pay with Apple Pay®, Google Pay™, Samsung Pay™ or Garmin Pay™ on your eligible device.

Faster payments

Make instant payments with Osko® and PayID®, PayTo®, a Visa Debit card, digital wallets and more.

PayTo®

Set up your regular payments using PayTo® and manage them directly within the ANZ Plus app.

Scheduled payments

Choose to schedule your payments, transfers or bills for a later date or as part of a series.

The starter pack

When you join ANZ Plus, you'll automatically get ANZ Plus and ANZ Save accounts. They're linked together, so you can't have one without the other.

Explore ANZ Save

Add a little flexibility to your savings

Earn interest without minimum deposits with the ANZ Plus Flex Saver account.³ You can also pay bills and make transfers from the same account.⁴

Discover ANZ Plus Flex Saver

Spend with your plus one

Invite your plus one to open joint accounts to track combined spending, see predictions for shared expenses, and more with ANZ Plus and ANZ Save.

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

  • Fees that may apply
  • Overseas transactions 3% of the transaction value. Find out what an overseas transaction may include.
  • International ATM withdrawal $5 (or free at any ANZ ATM)
  • Inward international money transfer May incur a fee of up to $15. Find out more

Join ANZ Plus today

“Sign up was a breeze – I can’t believe I joined ANZ Plus in under 5 minutes!”

ANZ Plus customer

Minimum of iOS 15.0 or Android 7.0

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We’re here to help

ANZ Plus is digital first with human support. You can message a coach in the ANZ Plus app.

1-on-1 Coaching sessions

Learn how to master the app or book a personalised session to help you improve your financial wellbeing.

In-app messaging

If you need a hand, send us a message in-app and we’ll get back to you as soon as we can.

Coaches are available Monday to Friday, 9am to 5pm AEST/AEDT (excluding National Public Holidays).

Coach video chat

Schedule a video chat call using the appointment booking tool to get digital face-to-face support from one of our Coaches.

More support

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.

Can I open joint accounts with ANZ Plus?

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.

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 or PayID (once you've set it up) to receive a payment from another bank, or head to an ANZ Smart ATM to deposit cash or an Australian cheque.

Better yet, give your account details to your boss and get paid to your ANZ Plus, ANZ Save or ANZ Plus Flex Saver accounts.

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

You can transfer money from eligible ANZ accounts directly to your ANZ Plus, ANZ Save or ANZ Plus Flex Saver accounts with no daily limits using My Accounts in the ANZ Plus app.

Alternatively, you can use Pay Anyone to make payments of up to a total of $25,000 a day from the ANZ App. 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.

Can I access other ANZ accounts in the ANZ Plus app?

The ANZ Plus app has been exclusively designed for your ANZ Plus and ANZ Save accounts (including Joint ANZ Plus and ANZ Save accounts), the ANZ Plus Home Loan Variable and the ANZ Plus Flex Saver, so you can't use it to manage your other ANZ accounts. 

Viewing other ANZ accounts

You can view your eligible ANZ accounts in the ANZ Plus app by adding them to My Accounts. To do this:

  1. Go to the Money tab and tap on My Accounts.
  2. Tap on + or Add Accounts.
  3. Tap on ANZ Accounts and follow the prompts.

If you have any questions about your ANZ accounts, including disputing transactions, please follow the steps provided in the ANZ App or ANZ Internet Banking.

Can I use internet banking or visit an ANZ branch?

Your ANZ Plus, ANZ Save, ANZ Plus Flex Saver, and Joint ANZ Plus and ANZ Save accounts can only be managed in the ANZ Plus app, and not at an ANZ branch or in ANZ Internet Banking.

If you need a hand with your accounts, you can always send us a message. 

Explore more from ANZ Plus

Refinance from the comfort of home

Applications are open for eligible customers. See if refinancing could get you better deal, with a competitive variable rate and no ongoing fees⁵.

Explore Home Loans

Smash your goals with ANZ Save

Your ANZ Plus account comes linked with a multi-goal savings account that earns interest on all your goals, designed to help you save more.

Explore ANZ Save

Enhance your banking experience

Customise your ANZ Plus app and Add-On money insights, helpful tools or connect with partners to get more out of ANZ Plus.

Explore Add-Ons

Any advice is general and might not be right for you. The Financial Services Guide, Target Market Determination and ANZ Plus and ANZ Deposit Account T&Cs are available at anz.com/plus. You should read them before deciding to apply for or keep these products. Australia and New Zealand Banking Group Limited ABN 11 005 357 522 AFSL 234527

¹ 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.

² The 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.

³ 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.

⁴ 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.

⁵ Other home loan fees including Late Payment Fee and Loan Discharge Fee still apply. Loan security fees including Registration Fees and Production Fee, still apply however will not be charged on establishment of a loan. Government fees and charges may still apply

Falcon is a trademark of Fair Isaac Corporation. 

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 star rating refers to the ANZ Plus app rating in the Apple App Store. Please refer to the Apple App Store for current rating.

The ANZ Privacy Policy is available at anz.com.au/privacy/centre/policy