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heart set on, an ANZ Personal Loan could help you get there.

Visit ANZ Personal Loans

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how to protect yourself.



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GET IT DONE WITH ANZ


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and bills.
 

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ANZ LOW RATE

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

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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. 
 

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RISING COST OF LIVING

Soften the impact of rising living costs with saving strategies and budgeting
tips to keep on top of your finances. Or, if you're looking to save for a rainy
day, take a look at our term deposit and savings accounts.

What is inflation and how does it affect you?  

Get a fixed return with a term deposit account 

How to manage money as a couple 

Save like a pro. Try our savings calculator 

ANZ Progress Saver. Buddy up to bonus interest  

Facing financial difficulty? Let us help you 

 

Learn about financial wellbeing






CALCULATORS AND TOOLS

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    See all calculators and tools 




SMART TOOLS TO HELP YOU SPEND LESS AND SAVE MORE




A NEW WAY TO BANK WITH ANZ PLUS

The ANZ Plus app is packed with smart money management tools designed to help
you spend less and save more. When you download the ANZ Plus app and join you
can: 

 * Earn 4.90% p.a. interest on your savings if your ANZ Save balance is below
   $250,000Superscript: 1
   
 * See predictions for upcoming bills, subscriptions and payments 
 * Add your own tags to filter and group transactions 
 * Set up and track up to 99 savings goals in your linked ANZ Save account 

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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.





“ANZ Smart Choice Super” is a suite of products consisting of ANZ Smart Choice
Super and Pension (PDF), ANZ Smart Choice Super for employers and their
employees (PDF) and ANZ Smart Choice Super for QBE Management Services Pty Ltd
and their employees (PDF). The ANZ Smart Choice Super and Pension product is
distributed by Australia and New Zealand Banking Group Limited (ANZ) (ABN 11 005
357 522).  We recommend that you read the ANZ Financial Services Guide (PDF),
before deciding whether to acquire or continue to hold this product. View
the ANZ Smart Choice Super and Pension Target Market Determination (PDF). ANZ
Smart Choice Super for employers and their employees and ANZ Smart Choice Super
for QBE Management Services Pty Ltd and their employees are MySuper compliant
products issued pursuant to the latest PDS available at
anz.com/smartchoicesuper. View the ANZ Smart Choice Super for employer and their
employees Target Market Determination (PDF). ANZ Smart Choice Super is part of
the Retirement Portfolio Service (the Fund) (ABN 61 808 189 263) and is issued
by OnePath Custodians Pty Limited (ABN 12 008 508 496, AFSL 238346, RSE
L0000673) (OPC), the trustee of the Fund. OPC is a member of the Insignia
Financial Group of companies, comprising Insignia Financial Ltd (formerly IOOF
Holdings Ltd) ABN 49 100 103 722 and its related bodies corporate (Insignia
Financial Group). The Australia and New Zealand Banking Group Limited (ANZ) (ABN
11 005 357 522) brand is a trademark of ANZ and is used by OPC under licence
from ANZ. ANZ and the Insignia Financial Group of companies (including OPC) are
not related bodies corporate. ANZ does not stand behind or guarantee these
products.

Before re-directing your super or moving your money into ANZ Smart Choice Super,
you will need to consider whether there are any adverse consequences for you,
including loss of benefits (e.g. insurance cover), investment options and
performance, functionality, increase in investment risks and where your future
employer contributions will be paid. 



For ANZ Standard Variable rates the applicable discount from the index rate is
1.20% p.a. for loans with a Loan to Value Ratio (LVR) of greater than 80% and
1.40% p.a. for loans with a LVR 80% or less. Further discounts may be available
on standard variable rate loans dependent on your LVR which is determined by the
size of your deposit or equity position. Equity in your home is calculated as
the difference between the value of your home and the amount you have left to
pay on your home loan at the time the calculation is performed. Property value
is ANZ's valuation of the security property and may be different to the price
you pay for a property. 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.

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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

Different interest rates apply to different investment amounts, terms and
interest frequencies. Rates current as at Friday, 5 April 2024 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 and Transaction Terms and Conditions (PDF). At maturity we will
reinvest your ANZ Advance Notice Term Deposit based on the reinvestment consent
you have given us and in accordance with instructions you have provided. If you
choose to reinvest your principal (and interest) at the end of the investment
term, the interest rate applicable to your ANZ Advance Notice Term Deposit may
be lower than the interest rate on your maturing ANZ Advance Notice Term
Deposit. If your circumstances change or this product is no longer suitable for
you, please contact ANZ at or prior to maturity, or within your 7 day grace
period (following reinvestment) to make alternative arrangements.

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1. A single interest rate applies to and is determined by the balance of your
ANZ Save account (see here for more about what’s included in your balance). A
lower rate will apply across your entire ANZ Save balance if it is $250,000 or
more. Interest is calculated daily, paid monthly and rates are subject to
change.

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2. PayID is a registered trademark of NPP Australia Limited.

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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, 5 April 2024 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).

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Provided the cardholder didn’t contribute to the loss and notified ANZ promptly
of the fraud.

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Deposits are protected up to a limit of $250,000 for each account holder under
the FCS scheme.

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Monthly account service fee waiver applicable to ANZ Access Advantage accounts
if you deposit $2,000 or more by the last business day of the calendar
month. You must satisfy the monthly deposit requirement to be eligible for the
waiver in a particular month. 

Return

On application for the waiver by an eligible customer, the monthly account
service fee will be waived on one nominated ANZ Access Advantage account. For
more information on Exemptions and Concessions please refer to ANZ Personal
Banking Account Fees and Charges (PDF).

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Terms and conditions apply. No transaction fee access relates to the following:
a successful cash withdrawal and an account balance query. Daily withdrawal
limits may apply. For certain ANZ cards, withdrawals from an ATM may attract
interest, and you may also have to pay a cash advance fee. For details on cash
advance fees, transactions that are considered to be a ‘cash advance’  and other
charges, please refer to your applicable product terms and conditions.
Eligibility criteria, account fees and interest, charges may apply. Visit
anz.com for more information.

Return

Available when the sending and receiving accounts are capable of processing
faster payments. Not available on some ANZ accounts, including ANZ Home Loans
and ANZ Personal Loans. Technical interruptions may occur.

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A daily limit of $1,000 applies for Pay Anyone payments in the ANZ App. Higher
payment limits may be available if you have registered for and use Voice ID and
it is available on your device. A daily Pay Anyone limit of between $1,000 to
$10,000 applies in Internet Banking. A higher limit may be available with ANZ
Shield. Recipients require an account with an Australian financial institution
to receive or collect Pay Anyone payments. Terms and conditions apply, view them
at anz.com/app.

Return

Mobile payments available on compatible devices and eligible ANZ cards.

Separate terms and conditions apply to the use of Apple Pay, Google Pay, Samsung
Pay, Fitbit Pay and Garmin Pay.

Apple, Apple Pay and iPhone are trade marks of Apple Inc., registered in the
U.S. and other countries.

Android, Google Pay, and the Google Logo are trademarks of Google LLC.

Samsung and Samsung Pay are trademarks or registered trademarks of Samsung
Electronics Co., Ltd.

Fitbit and the Fitbit logo are trademarks or registered trademarks of Fitbit,
Inc. in the U.S. and other countries.

Garmin, the Garmin logo, and the Garmin delta are trademarks of Garmin Ltd. or
its subsidiaries and are registered in one or more countries, including the U.S.
Garmin Pay is a trademark of Garmin Ltd. or its subsidiaries.

Return

Provided you didn’t contribute to the loss, you let us know as soon as you found
out about the loss and you have complied with the Electronic Banking Conditions
of Use contained in your product terms and conditions.

Return

Other ownership structures may be available.

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Debit interest may apply. Please refer to ANZ Personal Banking Account Fees and
Charges (PDF).

Return

 Please refer to ANZ Personal Banking Account Fees and Charges (PDF) for fees
and charges that apply.

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Open your first ANZ Online Saver account and you'll receive an introductory
fixed bonus rate of 2.15% p.a. for 3 months, on top of the ANZ Online Saver
standard variable rate (currently 1.50% p.a.).  After 3 months, the ANZ Online
Saver standard variable rate, applicable at that time, will apply. The
introductory fixed bonus rate is only available on the first ANZ Online Saver
account opened by customers who have not held an ANZ Online Saver in the last 6
months. In case of joint account holders, the introductory fixed bonus rate
offer will only be received if all customers are eligible.

Return

ANZ Online Saver is only available to customers who open or who are the account
holders of, or signatories to, eligible ANZ everyday banking accounts with ANZ
Internet Banking or ANZ Phone Banking access. Eligible accounts include ANZ
Access Advantage, ANZ Access Basic, ANZ Pensioner Advantage, ANZ Progress Saver,
ANZ V2 PLUS and ANZ Premium Cash Management Account. Terms and conditions and
fees and charges apply to the eligible account.

Return

Customers aged under 18 need to show proof of age at an ANZ branch in order to
receive their transaction fees waiver. Fees and charges apply. Please refer to
ANZ Personal Banking Account Fees and Charges (PDF) for fees and charges that
apply.

Return

Bonus interest is subject to eligibility. ANZ Progress Saver pays bonus interest
(in addition to the current variable base interest) in respect of a particular
month if the set minimum deposit (currently $10) and no withdrawals, fees or
charges are processed to the account on or before the last business day of that
calendar month, and after the last business day of the previous calendar month.
Bonus and base rates are variable and subject to change.

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One fee-free ANZ Transaction per month. Additional ANZ Transactions charged as:
Electronic Transactions $1.00 each, Staff Assisted Transactions $2.50 each. ANZ
Internet Banking transactions are free. ANZ Transactions, Electronic
Transactions, Staff Assisted Transactions and Internet Banking Transactions are
defined in the ANZ Personal Banking Account Fees and Charges (PDF) booklet. Any
withdrawals in a particular month, including those that are free of charge, will
disqualify you from bonus interest for that month.

Return

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, 5 April 2024  and are subject to change. 

Return

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
Savings and Transaction Product Terms and Conditions (PDF). 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

If you withdraw funds before the maturity date of a term deposit, 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 and Transaction Terms and Conditions (PDF).

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




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