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Earn a total of 5.00% p.a. interest

when you grow your ANZ Save balance by $100 or more (on top of any interest you receive) each month.¹

Join ANZ Plus Explore ANZ Save

What you'll get with ANZ Plus

Two linked accounts

Get ANZ Plus, an everyday account that tracks your spending, and ANZ Save, a savings account that earns interest¹ and can help you reach your savings goals.

More ways to save

Choose to add a flexible account for savings you can dip into. Earn interest, pay bills and make transfers³ from the optional ANZ Plus Flex Saver account².

Extra layers of security

It’s good to know that some of the toughest security is on your side, like Selfie ID, card controls and ANZ Falcon® Technology.

Expert Coach support

ANZ Plus Coaches can help you build healthy financial habits. Book a 1-on-1 session and learn how to use the ANZ Plus app.

Join in minutes in the ANZ Plus app

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

ANZ Plus customer⁴

Minimum of iOS 15.0 or Android 7.0

Scan to download

ANZ Plus app features you'll love

Explore our most popular smart money management app tools, designed to help you spend less and save more.

Add a little flexibility to your savings

Earn interest without minimum deposits with the ANZ Plus Flex Saver.² You can also pay bills and make transfers from the same account.³

Discover ANZ Plus Flex Saver

Partner up with joint accounts

Invite a plus one to partner up so you can spend and save together with Joint ANZ Plus and Save accounts.

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

Stuff you need to know

  • Currently ANZ Plus, ANZ Save and ANZ Plus Flex Saver accounts are for Australian individuals 15 years and older who have either a valid Australian passport, driver’s licence or approved international passport.
  • You'll only see the ANZ Plus, ANZ Save and ANZ Plus Flex Saver accounts in the ANZ Plus app. ANZ Plus, ANZ Save and ANZ Plus Flex Saver accounts also won't appear in Internet Banking (online web portal).
  • The ANZ Plus Flex Saver isn't available as a joint account, so you'll need to ride solo with this one.
  • Need to speak to a real person? ANZ Plus doesn’t have branches, but our Coaches are just an in-app message away.
  • If ANZ Plus isn't right for you right now, check out our other ANZ products.

1 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. See anz.com.au/plus/interest-fees for interest rates.

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 variable 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 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 Payment functionality on the ANZ Plus Flex Saver is limited to PayTo, BPAY, Direct Debit, Pay Anyone, and PayID. Card Payments are not available.

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

5 Only eligible accounts shown. Amounts shown may not reflect your personal situation or money available to spend. See ANZ Plus App T&Cs for more information. Information on third party accounts is sourced from those third parties with your consent. Third parties have not endorsed the My Accounts feature.

6 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.

Falcon® is a trademark of Fair Isaac Corporation.

PayID® is a registered trademark of NPP Australia Limited.

Images and features shown are iOS versions. Feature availability and design may differ based on the device, operating system, or ANZ Plus app version.