Rates
The following information is current from— and is subject to change.
ANZ Serious Saver account
Standard rate | Premium rate | Total | |
---|---|---|---|
$0.00 + | —% p.a. | —% p.a. | —% p.a. |
Premium interest is earned when you make no withdrawals and deposit $20 or more (not including credit interest) on or before the last business day of the month.
ANZ Select account
Interest rate | |
---|---|
$0.00 - $4,999.99 | —% p.a. |
$5,000.00 + | —% p.a.on entire balance |
ANZ Online account
Interest rate | |
---|---|
$0.00 + | —% p.a. |
ANZ Private Current account
Interest rate | |
---|---|
$0.00 + | —% p.a. |
ANZ Private Reserve account
Interest rate | |
---|---|
$0.00 + | —% p.a. |
ANZ PIE Fund – Call Option
Interest rate | |
---|---|
$0.00 + | —% p.a. |
The interest rate is subject to change. Minimum balance of $500. The return is calculated daily and is allocated quarterly (in the form of additional units). The additional units are added to your PIE Fund account calendar quarterly (March, June, September and December).
A copy of the ANZ PIE Fund Information Brochure and Terms and Conditions is available below, from any ANZ branch, or by calling 0800 269 296.
ANZ PIE Fund Terms and Conditions (PDF 211.7KB)
Our Reserve Bank Disclosure Statement is available on this website or on request from any ANZ branch.
Account opening and eligibility criteria, terms, conditions and fees apply.
Fees
Everyday accounts
Description | Monthly account fee | Automated transaction fee | Manual transaction fee | |
---|---|---|---|---|
ANZ Freedom Account | Enjoy the freedom to bank the way you want to. AboutANZ Freedom Account | $5* | $0 | $0 |
ANZ Go account | Avoid monthly account and transaction fees when you bank electronically. AboutANZ Go account | $0 | $0 | $3 per transaction |
ANZ Select account | An interest-bearing account when you have a balance of $5,000 or more. AboutANZ Select account | $6** | $0 | $0 |
ANZ Jumpstart account | If you’re under 21 or studying full-time^, enjoy no monthly account or transaction fees. You can also apply for some special lending benefits (see below). AboutANZ Jumpstart account | $0 | $0 | $0 |
* We’ll waive this fee each month you deposit at least $2,500 into the accounton or before the last business day of the month. See our general terms and conditions for how we process deposits and cut-off times by channel. Deposits exclude transfers made between your ANZ accounts.
** We’ll waive this fee if your average monthly balance is $5,000 or more.
You can access any of these accounts using an ANZ Visa Debit or ANZ EFTPOS card. There is no annual fee for an ANZ Visa Debit or ANZ EFTPOS card. You must be 13 years or over to apply for an ANZ Visa Debit card.
Jumpstart account– lending benefits
If you hold a Jumpstart account and you’re 18 years or older, you can apply for the following lending products with special benefits. ANZ lending and eligibility criteria, terms, conditions and fees apply to all overdrafts, credit cards and personal loans. International students are only eligible to apply for an ANZ credit card.
- Overdraft– Interest-free overdraft on application (up to $2,000), with no monthly Overdraft Management fee.
- Credit Card– If you’re in full-time study^ you can apply for any new ANZ credit card and get a one year annual card fee waiver (limit one per customer).
- Personal Loan– If you’re in full-time study^you can apply for a personal loan with a lower minimum loan amount of $1,000 (usually $3,000).
^ You must be enrolled at and provide proof of full-time study at a government recognised tertiary institution or a NZQA approved language school. When applying for lending benefits you must have a minimum of 6 months remaining on your course. International students are only eligible to apply for an ANZ credit card.
Overdrafts on everyday accounts
- Overdraft application fee– $0
There is no fee for new overdraft applications and applications to increase existing limits. - Unarranged overdraft fee– $3
Applies if we choose to let you make payments or withdrawals or take any fees or charges, when you don’t have enough money in your account. We’re lending you money you don’t have and you must repay that money as soon as possible or when we ask. We charge the fee each month if you exceed your approved overdraft limit, or your account becomes overdrawn, by more than $10, for more than one day. This is charged in addition to excess interest.
If you don’t have an arranged overdraft limit or you exceed your approved overdraft limit, you will be charged excess interest on the amount you have exceeded your overdraft limit by. The Excess Interest Rate is our Consumer Overdraft Base Rate plus 7% p.a. - Monthly Overdraft Management fee (for Jumpstart account)– $0
- Monthly Overdraft Management fee (for other everyday accounts)– $3
Savings accounts
Description | Monthly account fee | Automated and manual deposit fee | Automated and manual withdrawal fee | |
---|---|---|---|---|
ANZ Serious Saver account | Get rewarded with Premium interest and grow your savings faster. About ANZ Serious Saver | $0 | $0 | First withdrawal in a month is free, $5 per month for two or more withdrawals* |
ANZ Online account | Easy saving with online access anytime. About ANZ Online | $0 | $0 | Automated withdrawal– $0 Manual withdrawal– $3 per transaction |
* To earn Premium interest, you need to:
- make no withdrawals, and
- deposit $20 or more (not including credit interest) on or before the last business day of the month.
Key to account transaction charges
- Automated transactions –include EFTPOS, Visa Debit, ATM, and mobile wallet transactions, as well as all electronic payments and other transactions made using ANZ Internet Banking, goMoney, Phone Banking, and ANZ Direct Online.
- Manual transactions –include transactions handled by our staff for you, including at a branch, by phone, or online. Balances and basic account enquiries at a branch are free. We process any deposits received through ANZ Fast Deposit Boxes as staff-assisted, manual transactions.
Our account opening and eligibility criteria apply.
Debit and EFTPOS card fees
Description | Primary card fee | Replacement card fee | MyPhoto card | Urgent card delivery | |
---|---|---|---|---|---|
ANZ EFTPOS | Access funds from your everyday andsavings accounts. About ANZ EFTPOS | $0 | $5 | No charge** | Courier fee (domestic and international) |
ANZ Visa Debit | Use it anywhere Visa is accepted– online, over the phone, in-store– to access funds from your everyday or savings account. AboutANZ Visa Debit | $0 | $5 | No charge | Courier fee (domestic and international) |
** Only available to existing MyPhoto EFTPOS customers
Fees that apply to mobile wallets and wallet cards
You can make contactless payments usingApple PayorGoogle Pay™ withan eligible card and a compatible device.
Any fees and charges we charge for your physical ANZ cards and ANZ accounts will also apply if you use a mobile wallet and wallet cards, including for overseas use. ANZ will not charge you any additional fees solely for setting up a wallet card in New Zealand.
Your mobile service provider may charge for downloading, updating and using a mobile wallet.
Your mobile service provider may charge additional fees to access the internet on your mobile device overseas. You’re responsible for any fees your mobile service provider charges you.
If you have concerns about a fee you’ve been charged by your mobile service provider, you should speak with them directly. For more information about mobile wallets, see the:
ANZ Electronic Banking Conditions (effective 29 July 2024) (PDF 198.7KB)
ANZ EFTPOS card and ANZ Visa Debit card (effective 23 January 2024) (PDF 135.8KB)
ANZ credit card conditions of use (effective 12 December 2023) (PDF 296.9KB)
ANZ with Apple Pay Terms and Conditions
ANZ Google Pay Terms and Conditions (effective 29 July 2024) (PDF 98.4KB)
Also available at anyANZ branchfree of charge.
ATM fees
- ANZ and non-ANZ ATM fee– No charge
Transaction fees may apply. - Overseas ATM fee– No charge
Banks and other financial institutions who own overseas ATMs may charge a fee for using them. Currency conversion charges of 1.3% of the NZD amount also apply to foreign transactions. - ATM owner fee –$3
We charge an ATM owner fee to customers of other overseas banks and financial institutions when withdrawing cash. This fee does not apply to ANZ customers. The fee also does not apply to customers using another New Zealand bank/financial institution’s card in our ATMs.
Branch fee
Non-ANZ overseas branch fee– not set by ANZ
Banks and other financial institutions who own branches overseas may charge a fee for using them. Currency conversion charges of 1.3% of the NZD amount also apply to foreign transactions.
Automatic payments and bill payments
Set up fee
- Via staff in branch, over telephone or Bank Mail– $5
- Through ANZ Phone Banking, ANZ goMoney and ANZ Internet Banking - No charge
Changes to payments fee
- Via staff in branch, over telephone or Bank Mail– $5
- Through ANZ Phone Banking, ANZ goMoney and ANZ Internet Banking– No charge
We don’t charge to delete an Automatic Payment, Bill Payment or Online Payment.
Same day cleared payment
- Same day cleared payment fee (SCP)– $25
ANZ Internet Banking
- OnlineCode– no charge
ANZ Phone Banking
- Phone Banking calls– no charge
If calling from overseas, standard international call charges apply.
ANZ goMoney– mobile banking app
- ANZ goMoney– no charge
There are no ANZ goMoney service fees. Standard mobile phone charges apply, depending on your mobile phone provider plan. If you have ANZ goMoney, you pay the data download rate for your mobile phone plan.
Bank account service charges– miscellaneous
Customer service investigation
- Customer service investigation fee– $60 per hour (minimum $15)
Certificate of balance and interest
- Non-commercial customers fee– $5
- Commercial customers fee– $20
Auditor’s Confirmation Report for business, agri and personal customers
- Auditor’s Confirmation Report standard fee: $65
- Auditor’s Confirmation Report Less than 48 hours notice fee*: $130
- This fee is charged when you request an Auditor’s Confirmation Report from ANZ
- A form is required which includes the ability to automatically create a report on an annual basis
- The fee must be debited from an ANZ transactional account
- *This fee will apply if you give us less than 48 hours notice of needing an Auditors Confirmation Report.
Credit retrieval fee
- Credit retrieval fee*– $25
There is no charge for additional transactions sent in the same request.
* A credit retrieval fee may be charged when assisting a customer (on a best endeavours basis) to recover funds incorrectly paid to a third party’s account. This fee applies irrespective of whether the funds are successfully recovered from the recipient of the payment.