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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

Partner up with your plus one

Spend and save together with joint ANZ Plus and ANZ Save accounts.

Explore Joint 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

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Image-button showing Get it on Google Play. Click to download ANZ Plus from Android Play Store
Image-button showing Download on the App Store. Click to download ANZ Plus from iOS App Store
Image-button showing Get it on Google Play. Click to download ANZ Plus from Android Play Store

Minimum of iOS 15.0 or Android 7.0

Scan QR code to get started

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

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