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Savings accounts
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Get started with two integrated accounts

When you join ANZ Plus, you'll get ANZ Plus, an everyday account that tracks your spending, and ANZ Save, a savings account that earns interest and can help you reach your savings goals.

ANZ Plus account

A transaction account that sorts your spending

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Spend categorisation

See where your money goes

Spending broken down into categories to manage your budget

spend categorisation

See where your money goes

Spending broken down into categories to help manage your budget

Smart ways to control your spending

UPCOMING EXPENSES

Don’t be caught short

See predictions for upcoming bills, subscriptions and payments so there aren’t any surprises.¹

CUSTOM TAGS

Tag it to track it

Add your own tags to filter and group transactions so you can track your spending.

CARD ON FILE

Monitor who stores your card

Get a snapshot of merchants who have stored your card for future transactions.

Additional features
  • Visa Debit Card
  • Payday notifications
  • Digital wallets
  • Detailed transactions
  • Smart search
  • Digital statements
  • BPAY®
  • Payments with PayID®

ANZ Save account

Make regular saving more rewarding

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SAVINGS GOALS

Smash your goals

ANZ Save is designed to help you reach your savings goals. You can set and track multiple goals in the one account.

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  • Did you know people who vividly describe or picture their goals are anywhere from 1.2 to 1.4 times more likely to successfully accomplish them?

Source: Forbes, Neuroscience Explains Why You Need To Write Down Your Goals If You Actually Want To Achieve Them, 2018

Smart ways to save

Interest

Earn interest on your savings

All the money in your savings goals earns interest.² Learn more about our interest rates and fees. 

Round Ups

Round up your spend to save

Round up extra cents on eligible card transactions and send them straight to your ANZ Save account. Now that makes cents!

REGULAR TRANSFERS

Keep your savings on track

Set up regular transfers between your ANZ Plus accounts and goals to keep your savings on track.

Target dates

Let the app work it out

Set a target date and amount on your goals and see how much you need to save each week to get you there.

account fees

Pay no monthly account fees

No monthly account fees³ and no withdrawal fees at domestic major Australian bank ATMs.

ANZ Plus Flex Saver Account

Add a little flexibility to your savings

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Flexible savings you're free to dip into

Pay bills and make transfers straight from your ANZ Plus Flex Saver account⁴, while earning a great rate for balances up to $5,000.⁵
Add-Ons

Customise with Add-Ons

 

 

Get more out of ANZ Plus with Add-Ons

Add-On to enhance your day-to-day banking experience and connect with our partners.

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Partner up with your plus one

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

Explore Joint Accounts

Join in minutes from the app

“Was super easy to open an account”

ANZ Plus customer

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

Support

Tips from a Coach to help you spend less and save more

1-on-1 sessions

ANZ Plus customers can book a 1-on-1 session with a Coach through the app and learn how to use the app to spend less and save more.

Message in-app

ANZ Plus Coaches are here to help. Send a message securely in-app and a Coach will reply as soon as they can, Monday to Friday, 9am to 5pm AEST (excluding National Public Holidays).

Find answers you need

Your most common questions answered so you can find info when you need it.

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Security

High-powered protection

It's good to know some of the smartest, toughest security is on your side as you power towards your goals.

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Selfie ID

Verify with Selfie ID

Snap a selfie to confirm it’s really you with your ID, and not someone trying to open ANZ Plus accounts in your name.

NOTIFICATIONS

See transactions in real-time

See money coming in and out of your account, with instant notifications helping you spot any unusual activity.

CARD CONTROLS

Block your card from the app

If you think your card is lost or stolen, you can cancel, replace or temporarily block it, all in the ANZ Plus app.

ANZ FALCON™

ANZ Falcon™ fraud protection

Our trusted anti-fraud protection technology and expert team, monitor your accounts 24/7 to keep them safe.

FRAUD GUARANTEE

ANZ Fraud Money Back Guarantee

Be reimbursed for fraudulent card transactions if you tell us promptly and didn't contribute to the loss.

GOVERNMENT GUARANTEE

Your money is protected

Your money is protected by the Australian Government Financial Claims Scheme, up to $250k in total for each ANZ account holder.

Reviews

We're shooting for the stars

ANZ PLUS CUSTOMER

“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

"All banks are banks but this app is so well-designed. Very useful for saving and automating."

ANZ PLUS CUSTOMER

“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.”

If ANZ Plus isn’t right for you right now, check out our other ANZ products on anz.com

BPAY® and Osko® are trademarks of BPAY Pty Ltd ABN 69 079 137 518.

Falcon® is a trademark of Fair Isaac Corporation.

PayID® is a registered trademark of NPP Australia Limited.

1 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.

2 We 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.

If you're new to ANZ Plus, ANZ Save is only available if linked to an ANZ Plus account. Any advice is general and might not be right for you. The Financial Services Guide, Target Market Determinations 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.

3 Transaction fees may apply, see the ANZ Plus Deposit Account T&Cs for details on these fees. A $10 monthly fee applies if you link your ANZ Plus account to your ANZ Plus Home Loan as an offset account.

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 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 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 be an existing ANZ Plus customer.

ANZ Plus star rating and/or customers review refers to the ANZ Plus app rating in the Apple App Store. Please refer to the Apple App Store for current rating.