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Zero monthly account fees1

Applies to ANZ Plus, ANZ Save and ANZ Plus Flex Saver accounts. There are also no withdrawal fees at major Australian bank ATMs.

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Earn interest on your savings

You could get rewarded with bonus interest when you grow your ANZ Save balance by $100 or more (on top of any interest you receive) each month.²

Standard rate

0.50% p.a.

on your total ANZ Save balance each month.2

+ Bonus rate

4.50% p.a.

when you grow your balance by $100 or more (on top of any interest you receive) each month.2

= Standard + bonus

5.00% p.a.

when you meet the bonus rate qualifying criteria.2

Things you need to know about interest

Interest is calculated at the end of each day and paid monthly into your ANZ Save account.

Your balance is also known as the effective daily balance. This may be different to the balance shown as the "ANZ Save Funds" in the ANZ Plus app or the balance on your statement. It can be different because:

  • A transaction may not have updated the amount shown - e.g. reversals,
  • A transaction may have updated the amount shown but is not yet fully processed - e.g. a pending transaction,
  • We may not process transactions at the time, on the day or in the order that they're made, or
  • Some transactions may have been processed and updated the amount shown, but are later adjusted.

For more details check out About amounts shown and Earning interest sections of the T&Cs.

Our interest rates, and the balances they apply to, may change. But we’ll be sure to let you know if they do.

Earn a great rate on your first $5,000³, with flexibility to move money in and out of your account.

5.00% p.a.

on your first $5,000.3

2.00% p.a.

for every dollar over $5,000.3

Things you need to know about interest

Interest is calculated at the end of each day and paid monthly into your ANZ Plus Flex Saver account.

Different interest rates apply to different parts of the balance of your ANZ Plus Flex Saver account.

Your balance is also known as the effective daily balance. This may be different to the balance shown as the "Flex Saver Funds" in the ANZ Plus app or the balance on your statement. It can be different because:

  • A transaction may not have updated the amount shown - e.g. reversals,
  • A transaction may have updated the amount shown but is not yet fully processed - e.g. a pending transaction,
  • We may not process transactions at the time, on the day or in the order that they're made, or
  • Some transactions may have been processed and updated the amount shown, but are later adjusted.

For more details check out About amounts shown and Earning interest sections of the T&Cs.

Our interest rates, and the balances they apply to, may change. But we’ll be sure to let you know if they do.

  • Some fees that 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

“Was super easy to open an account”

ANZ Plus customer4

Minimum of iOS 15.0 or Android 7.0

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¹ Transaction fees may apply, see the ANZ Plus Deposit Accounts 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 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.

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 the 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.

⁴ 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