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Submitted URL: http://anz.com/
Effective URL: https://www.anz.com.au/personal/
Submission: On October 30 via manual from HK — Scanned from AU

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ANZ IMPORTANT NOTICE

A message from ANZ’s CEO: Scams and fraud in Australia are on the rise. See our
CEO’s message with tips to protect you and your money.


 * Personal
    * Personal
    * Bank accounts Everyday/savings & term deposits
    * Credit cards Low interest rate, rewards frequent flyer & platinum
    * Home loans Investing, refinancing & buying property
    * Personal loans Debt consolidation, buying a new or used car, renovations
      and more
    * Insurance Get on top of your home, life, income and car insurance
    * Superannuation and retirement Superannuation and retirement options
    * Travel & international Travel and foreign exchange
    * Ways to bank Internet & mobile banking, ATMs & more
    * Financial wellbeing Discover tools, tips and insights to help you get on
      top of your money
    * Private banking Specialised banking and advice for high net worth
      individuals
    * Intermediary deposits A service for third party advisers offering ANZ
      deposit products
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      seize your next business opportunity
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      flow and earn interest
    * Merchant and payments From EFTPOS machines to online payments, we have
      solutions to meet all your in-person payment needs
    * Financially Ready Hub Access tools, tips and financial insights for small
      business
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      options depending on your business needs
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      needs
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      Global, Transactive Trade, FX Online and more
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    * Global network We operate in close to 30 markets around the world,
      including more than 10 markets across Asia
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 * Personal landing page
   * Bank accounts
   * Credit cards
   * Home loans
   * Personal loans
   * Insurance
   * Superannuation and retirement
   * Travel & international
   * Ways to bank
   * Financial wellbeing
   * Private banking
   * Intermediary deposits
   * Security centre
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   * Business credit cards
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   * Merchant and payments
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   * Help and support
   * Business banking offers
   * Indigenous Banking Services
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 * Institutional landing page
   * Industries
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   * Contact us
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   * Media Centre
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   * Corporate Sustainability


Find ANZ Support Centre
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MAKE LIFE HAPPEN WITH AN ANZ PERSONAL LOAN

New car? Trip of a lifetime? Fairy-tale wedding? Whatever it is you’ve got your
heart set on, an ANZ Personal Loan could help you get there.

Visit ANZ Personal Loans

All credit applications are subject to ANZ’s credit assessment criteria. T&Cs,
fees and charges apply.

 







BANKING WITH ANZ

Bank accounts

Credit cards

Home loans

Business

Personal loans

Insurance

Superannuation and retirement

Travel and international

Financial Wellbeing


FIND A NEW HOME FOR YOUR MONEY

Join securely from your phone and start banking today.

Explore ANZ Plus







A MESSAGE FROM ANZ’S CEO 

With scams and fraud on the rise across Australia, our CEO has shared tips on
what you can do to protect yourself, your family and your money. 



See message




GET IT DONE WITH ANZ


OPEN A NEW EVERYDAY ACCOUNT

Easy, secure access to your money for all your day-to-day payments, purchases
and bills.
 

Get started




ANZ LOW RATE

A credit card with a low ongoing interest rate for your everyday purchases.

Find out more




QUICK START HOME LOAN APPLICATION

Get started in just 5 minutes. Apply for pre-approval, a new home loan,
refinance or top up your existing ANZ home loan. 
 

Apply online




CALCULATORS AND TOOLS

 * Home loan repayment calculator
 * Personal loan calculator
 * Savings calculator
 * Get your Financial Wellbeing Score

See all calculators and tools 


ANZ APP

Activate your eligible card, set your PIN, better understand your spending, set
a savings goal and so much more.

 

Learn more  





MOBILE PAYMENTS

Add an eligible ANZ card to your compatible phone or wearable and start making
easy, contactless payments.

 

Learn more  




GET THE LATEST UPDATES, TIPS AND SUPPORT ON HOME LOAN RATE CHANGES

We get it, as interest rates change it’s more important than ever that you feel
financially confident and on top of your home loan.

See our latest rate change announcement following the most recent RBA cash rate
change.

We explain what it means for you, how you can check your interest rate and
options for managing your home loan repayments. You can also get in touch with
us if you have concerns or questions.




ANZ SUPPORT CENTRE

Need help with digital banking? Or with a product or service of ours? Or perhaps
you’re experiencing financial difficulty? If it’s support that you’re after, you
should find it here.
 

Get support  


MORE FROM ANZ




RATES AND FEES

Compare our latest interest rates and fees across bank accounts, home loans,
personal loans and more. 

Learn more  




FINANCIAL WELLBEING

Struggling to save or to make ends meet? Let us help you with your financial
wellbeing so you can meet your needs now and in the future. 

Learn more  




WAYS TO BANK

Bank the way that works for you. From phone and internet banking to the ANZ App
and smart ATMs, get your banking sorted without the need for a branch. 

Learn more  




FINANCIAL ASSISTANCE

If you're unable to manage your ANZ repayments for loans, credit cards or
overdrafts, apply for financial assistance so we can help you, short or long
term.

Learn more  




IMPORTANT INFORMATION

Advice does not take into account your personal needs, financial circumstances
or objectives. Please consider if it is appropriate for you and read the terms
and conditions, Product Disclosure Statement and Financial Services Guide before
acquiring any product. See ANZ Plus Terms & Conditions for ANZ Plus and ANZ Save
accounts. Applications for credit subject to approval. Terms and conditions
available on application. Fees and charges apply.



The ANZ App is provided by Australia and New Zealand Banking Group Limited (ANZ)
ABN 11 005 357 522. Super and Insurance (if available) are not provided by ANZ
but entities which are not banks. ANZ does not guarantee them. This information
is general in nature only and does not take into account your personal
objectives, financial situation or needs. ANZ recommends that you read the ANZ
App Terms and Conditions available here for iOS (PDF) and here for Android (PDF)
and consider if this service is appropriate to you prior to making a decision to
acquire or use the ANZ App.





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



Eligibility criteria applies to the Special Offer discount for ANZ Simplicity
PLUS, including $50,000 or more in new or additional ANZ lending. Offers can be
withdrawn or changed anytime.

Return

Other home loan fees including Late Payment Fee, Lock Rate Fee, Early Repayment
Cost (Fixed Rate Loans) and ANZ Equity Manager facility fee still apply. Loan
security fees including Lodgement Fee, Production Fee, Settlement Fee and Search
Fee still apply however will not be charged on establishment of a loan.
Government fees and charges (including government search fees and stamp duty)
may still apply.

Return

Consider if right for you. Eligibility criteria, fees, charges and T&Cs apply.
Different interest rates apply to different investment amounts, terms and
interest frequencies. Early withdrawal fees will apply and the account will
incur an interest reduction in respect of the money withdrawn or transferred
early. Rates current as at Friday, 20 October 2023 and are subject to change.

Return

Early withdrawal fees will apply. An administration fee of $30 will be charged
and the account will incur an interest reduction in respect of the money you
withdraw or transfer early. Refer to ANZ Saving & Transaction Products Terms and
Conditions (PDF).

Return

Different interest rates apply to different investment amounts, terms and
interest frequencies. Rates current as at Friday, 20 October 2023 and are
subject to change. Early withdrawal fees will apply and the account will incur
an interest reduction in respect of the money withdrawn or transferred
early. Refer to ANZ Saving & Transaction Products Terms and Conditions (PDF
553kB). An ANZ Advance Notice Term Deposit has a 31 day notice period. This
means that if you request an early withdrawal or transfer of all or part of your
funds, the funds will not be provided until the 31st day after the request (or,
where that is a non-business day, on or before the next business day). An
administration fee of $30 will be charged and the account will incur an interest
reduction in respect of the money withdrawn or transferred early in accordance
with the ANZ Saving & Transaction Products Terms and Conditions (PDF 553kB). If
you may have a need in the future to immediately withdraw or transfer funds,
other deposit products may be more suitable for you.

Return

The annual fee is currently $58 (as at today's date) but is subject to change.
For applicable fees and charges please see the ANZ Personal Banking Account Fees
and Charges (PDF).

Return

A minimum deposit of $5,000 is required to open an ANZ Advance Notice Term
Deposit or an ANZ Term Deposit. This calculator has been set to a maximum
deposit of $4,999,999. However, investments of $100,000 or more may be subject
to different interest rates than those provided in this calculator. Please call
13 33 33 or visit your nearest ANZ Branch to discuss your term and interest rate
for an investment of $100,000 or more.

Return

Early withdrawal fees will apply. An administration fee of $30 will be charged
and the account will incur an interest reduction in respect of the money
withdrawn or transferred early. An ANZ Advance Notice Term Deposit has a 31 day
notice period. This means that if you request an early withdrawal or transfer of
all or part of your funds, the funds will not be provided until the 31st day
after the request (or, where that is a non-business day, on or before the next
business day). Refer to the ANZ Saving and Transaction Products Terms and
Conditions (PDF 746kB) for further details.

Return

Interest rates current as at Friday, 20 October 2023 and subject to change at
any time. Different interest rates apply to each term deposit product and to
different investment amounts, term lengths and interest frequencies. Early
withdrawal fees may apply. Certain rates do not qualify for additional bonus
interest rates and are not available in conjunction with any other bonus or
special interest rate offer. For Advance Notice Term Deposits, this applies to
investment terms of 3, 4, 6, 9, 11 and 12 months, as well as all term lengths of
greater than 12 months. For Term Deposits, this applies to investment terms of
3, 6, 9 and 12 months as well as all term lengths of greater than 12 months.

Return

The principal difference between an ANZ Advance Notice Term Deposit and an ANZ
Term Deposit (apart from the interest rate that applies) is that you must
provide 31 days’ notice to ANZ if you wish to make an early withdrawal or
transfer of all or part of your funds from an ANZ Advance Notice Term Deposit
account. Further details are set out in ANZ Saving and Transaction Products
Terms and Conditions (PDF 746kB).

Return




ABOUT US

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OUR OTHER SITES

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SECURITY CENTRE

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 * Protecting your account
 * How to identify fraud
 * Report fraud
 * Report a lost or stolen card


CONTACTS

 * Contact us
 * Phone directory
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 * Financial hardship assistance
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CONNECT WITH US

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© Australia and New Zealand Banking Group Limited (ANZ) 2022 ABN 11 005 357 522.



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