ANZ New Zealand

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Rates, Fees and Charges

Interest rates

The following information is current as at Thursday, 24 July 2014 and is subject to change. You should seek confirmation of interest rates from ANZ before you take out any product.

ANZ lending criteria and fees apply. Interest rates are subject to change.

Click to expand or contractHome Loan interest rates

Click to expand or contractFloating rate
Interest Rate
Floating rate6.49% p.a.

Rate does not apply to package discounts including ANZ Select and ANZ Select Plus. This is not a full list of rates, if your rate is not listed above please contact ANZ.

Click to expand or contractFixed rates
TermInterest Rate
6 months5.95% p.a.
1 year6.05% p.a.
18 months6.25% p.a.
2 years6.09% p.a. Minimum 20% equity, ANZ transaction account with salary direct credited plus any ANZ Credit Card or Insurance. Not available with package discounts. Otherwise, carded rate of 6.49% p.a. applies.
3 years6.65% p.a.
4 years6.95% p.a.
5 years7.15% p.a.

Home Loan interest rates above apply to new home loans with at least 10% equity or deposit, existing ANZ Home Loans (unless otherwise specified) or where we confirm that the lending qualifies as an exemption to the Reserve Bank LVR restrictions (for example refinancing from another bank). Home Loans that don't meet these criteria will have an interest rate that is 0.50% p.a. higher than the rates disclosed above. The above rates may be in the process of changing and thus may vary for existing customers.

Click to expand or contractFlexible rate
Interest Rate
Flexible Rate6.60% p.a.

Rate may differ for existing ANZ customers. Please contact any branch of ANZ for further information.

A low equity premium may apply.

Click to expand or contractCredit cards

Find out more about Credit cards.

Click to expand or contractANZ Low Rate MasterCard
PurchasesCash AdvancesBalance Transfer
13.90% p.a.20.45% p.a.0% p.a.

Click to expand or contractANZ MasterCard
PurchasesCash AdvancesBalance Transfer
19.95% p.a.22.45% p.a.0% p.a.

Click to expand or contractANZ Visa
PurchasesCash AdvancesBalance Transfer
19.95% p.a.22.45% p.a.0% p.a.

Click to expand or contractANZ Gold MasterCard
PurchasesCash AdvancesBalance Transfer
19.95% p.a.22.45% p.a.0% p.a.

Click to expand or contractANZ Visa Gold
PurchasesCash AdvancesBalance Transfer
19.95% p.a.22.45% p.a.0% p.a.

Click to expand or contractANZ CashBack MasterCard
PurchasesCash AdvancesBalance Transfer
19.95% p.a.22.45% p.a.0% p.a.

Click to expand or contractANZ CashBack Visa
PurchasesCash AdvancesBalance Transfer
19.95% p.a.22.45% p.a.0% p.a.

Click to expand or contractANZ CashBack Visa Gold
PurchasesCash AdvancesBalance Transfer
19.95% p.a.22.45% p.a.0% p.a.

Click to expand or contractANZ CashBack Visa Platinum
PurchasesCash AdvancesBalance Transfer
19.95% p.a.22.45% p.a.0% p.a.

Click to expand or contractANZ CashBack Platinum MasterCard
PurchasesCash AdvancesBalance Transfer
19.95% p.a.22.45% p.a.0% p.a.

Click to expand or contractANZ Airpoints Visa
PurchasesCash AdvancesBalance Transfer
19.95% p.a.22.45% p.a.0% p.a.

Click to expand or contractANZ Airpoints Visa Platinum
PurchasesCash AdvancesBalance Transfer
19.95% p.a.22.45% p.a.0% p.a.

Click to expand or contractQantas ANZ Visa
PurchasesCash AdvancesBalance Transfer
19.95% p.a.22.45% p.a.0% p.a.

Click to expand or contractQantas ANZ Visa Platinum
PurchasesCash AdvancesBalance Transfer
19.95% p.a.22.45% p.a.0% p.a.

Click to expand or contractANZ Low Interest Visa
PurchasesCash AdvancesBalance Transfer
13.90% p.a.20.45% p.a.0% p.a.

Click to expand or contractANZ Freestyle MasterCard
PurchasesCash AdvancesBalance Transfer
16.50% p.a.20.45% p.a.0% p.a.

Click to expand or contractANZ Visa Business
PurchasesCash Advances
Low Interest Rate option15.20% p.a.20.45% p.a.
Interest-free days option19.95% p.a.22.45% p.a.
CashBacks option19.95% p.a.22.45% p.a.

Click to expand or contractANZ Visa Corporate
PurchasesCash Advances
19.50% p.a.19.50% p.a.

Click to expand or contractANZ Visa Purchasing Card
PurchasesCash Advances
19.50% p.a.19.50% p.a.

Click to expand or contractANZ Business Preferred MasterCard
PurchasesCash Advances
19.50% p.a.19.50% p.a.

The standard rate applies to purchases, previously billed interest and fees.

The Cash Advance Rate applies to cash advances and cash substitutes, such as gambling chips or travellers cheques. This rate also applies to interest previously billed for cash advances.

Click to expand or contractStandard Personal loans

Find out more about Standard Personal loans.

Click to expand or contractANZ Fixed rate
AmountInterest Rate
less than $10,00017.95% p.a.
$10,000 and over16.95% p.a.

Click to expand or contractOverdrafts

Find out more about Overdrafts.

Click to expand or contractPersonal Overdraft
Interest Rate
Consumer Overdraft Base Rate13.15% p.a.

Margin is based on ANZ's lending and eligibility criteria and will be advised on application. Please contact any ANZ branch for further information.

Click to expand or contractTerm deposits

Find out more about Term deposits.

Click to expand or contractANZ Term Deposits
Term$10,000 +
30 days3.00% p.a.
60 days3.00% p.a.
90 days3.50% p.a.
120 days3.75% p.a.
150 days3.75% p.a.
180 days4.10% p.a.
270 days4.20% p.a.
1 year4.30% p.a.
18 months4.75% p.a.
2 years5.00% p.a.
3 years5.25% p.a.
4 years5.50% p.a.
5 years5.75% p.a.

Rates are available for Retail and Business Banking customers and apply up to the first $5,000,000 held by the customer in all term deposits with ANZ. For rates applicable to amounts in excess of $5,000,000, please contact us.

Click to expand or contractDeposit accounts

Find out more about Deposit accounts.

Click to expand or contractANZ Serious Saver account
AmountStandard ratePremium rateTotal
$0 +0.10% p.a.4.40% p.a.4.50% 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.

Click to expand or contractANZ School Plus account
AmountInterest Rate
$0 +2.00% p.a.

Click to expand or contractANZ Select account
AmountInterest Rate
$0 - $4,9990.00% p.a.
$5,000 - $49,9990.75% p.a.
$50,000 - $99,9991.00% p.a.
$100,000 +2.75% p.a.

Click to expand or contractANZ Online account
AmountInterest Rate
$0 +3.00% p.a.

Interest is calculated daily and paid monthly.

Click to expand or contractANZ Ready Saver account
AmountInterest Rate
$0 - $4,9991.00% p.a.
$5,000 +1.50% p.a.

Click to expand or contractForeign Currency Accounts and Term Deposits

Find out more about Foreign currency deposit products.

Click to expand or contractUSD
Deposit BalanceOn Call30 days60 days90 days180 days365 days
$10,000 - $24,9990.00% p.a.0.00% p.a.0.00% p.a.0.00% p.a.0.00% p.a.0.00% p.a.
$25,000 - $74,9990.00% p.a.0.00% p.a.0.00% p.a.0.00% p.a.0.00% p.a.0.00% p.a.
$75,000 - $224,9990.00% p.a.0.00% p.a.0.00% p.a.0.00% p.a.0.00% p.a.0.00% p.a.
$225,000 +0.00% p.a.0.00% p.a.0.00% p.a.0.00% p.a.0.00% p.a.0.01% p.a.

Click to expand or contractEUR
Deposit BalanceOn Call30 days60 days90 days180 days365 days
€ 7,500 - € 19,9990.00% p.a.0.00% p.a.0.00% p.a.0.00% p.a.0.00% p.a.0.00% p.a.
€ 20,000 - € 59,9990.00% p.a.0.00% p.a.0.00% p.a.0.00% p.a.0.00% p.a.0.00% p.a.
€ 60,000 - € 174,9990.00% p.a.0.00% p.a.0.00% p.a.0.00% p.a.0.00% p.a.0.00% p.a.
€ 175,000 +0.00% p.a.0.00% p.a.0.00% p.a.0.00% p.a.0.00% p.a.0.00% p.a.

Click to expand or contractAUD
Deposit BalanceOn Call30 days60 days90 days180 days365 days
$10,000 - $24,9990.55% p.a.1.14% p.a.1.14% p.a.1.14% p.a.1.16% p.a.1.18% p.a.
$25,000 - $74,9990.90% p.a.1.39% p.a.1.39% p.a.1.39% p.a.1.41% p.a.1.43% p.a.
$75,000 - $229,9991.15% p.a.1.59% p.a.1.59% p.a.1.59% p.a.1.61% p.a.1.63% p.a.
$230,000 +1.25% p.a.1.69% p.a.1.69% p.a.1.69% p.a.1.71% p.a.1.73% p.a.

Click to expand or contractGBP
Deposit BalanceOn Call30 days60 days90 days180 days365 days
£5,000 - £14,9990.00% p.a.0.00% p.a.0.00% p.a.0.00% p.a.0.05% p.a.0.26% p.a.
£15,000 - £49,9990.00% p.a.0.00% p.a.0.00% p.a.0.09% p.a.0.10% p.a.0.31% p.a.
£50,000 - £149,9990.00% p.a.0.00% p.a.0.00% p.a.0.14% p.a.0.15% p.a.0.36% p.a.
£150,000 +0.00% p.a.0.00% p.a.0.00% p.a.0.19% p.a.0.25% p.a.0.46% p.a.

Click to expand or contractJPY
Deposit BalanceOn Call30 days60 days90 days180 days365 days
¥850,000 - ¥2,499,9990.00% p.a.0.00% p.a.0.00% p.a.0.00% p.a.0.00% p.a.0.00% p.a.
¥2,500,000 - ¥6,499,9990.00% p.a.0.00% p.a.0.00% p.a.0.00% p.a.0.00% p.a.0.00% p.a.
¥6,500,000 - ¥19,999,9990.00% p.a.0.00% p.a.0.00% p.a.0.00% p.a.0.00% p.a.0.00% p.a.
¥20,000,000 +0.00% p.a.0.00% p.a.0.00% p.a.0.00% p.a.0.00% p.a.0.00% p.a.

Click to expand or contractCAD
Deposit BalanceOn Call30 days60 days90 days180 days365 days
$10,000 - $24,9990.00% p.a.0.00% p.a.0.00% p.a.0.00% p.a.0.00% p.a.0.00% p.a.
$25,000 - $74,9990.00% p.a.0.00% p.a.0.00% p.a.0.00% p.a.0.00% p.a.0.00% p.a.
$75,000 - $229,9990.00% p.a.0.00% p.a.0.00% p.a.0.05% p.a.0.08% p.a.0.13% p.a.
$230,000 +0.00% p.a.0.04% p.a.0.07% p.a.0.15% p.a.0.18% p.a.0.23% p.a.

These rates are subject to change without notice. They do not constitute a quote by ANZ. While ANZ has taken every care to ensure that the information on these pages is complete and accurate, it does not represent or warrant the accuracy, adequacy or completeness of any information provided. Please consult with a staff member of ANZ before acting on the basis of the information provided.

A copy of the Bank's general disclosure statement and our Foreign Currency Term Deposit Investment Statement is available on request from any Bank branch, free of charge. For more information, including fees and charges, terms and conditions, or for minor currency enquiries, talk to your nearest Bank branch or contact one of our Foreign Currency Account specialists by calling 0800 863 863.

Click to expand or contractCar loans

Find out more about Car loans.

Click to expand or contractUDC Standard Car Loan
AmountInterest Rate
$10,000 - $25,000from 13.5% p.a.
$25,000 +from 12.5% p.a.

Early repayment fees apply if the loan is paid off before the due date.

Click to expand or contractBusiness lending and deposit rates

Click to expand or contractBusiness Overdraft Base rate
Interest Rate
Business Overdraft Base rate12.40% p.a.

Rates are subject to change. A lending margin above the Business Overdraft Base rate applies.

Click to expand or contractANZ Business and Commercial loan Floating and Fixed rates
TermInterest Rate
Business loan Floating or Fixed interest ratesPlease contact us on 0800 269 249
Commercial loan Floating or Fixed interest ratesPlease contact us on 0800 269 249

The above rates may be in the process of changing and thus may vary for existing customers.

Click to expand or contractANZ Business Flexible Facility base rate
Interest Rate
Business Flexible Facility rate6.49% p.a.

Rates are subject to change. A lending margin above the Business Flexible Facility base rate applies.

Click to expand or contractANZ Business Premium Call account
AmountInterest Rate
$0 - $4,9993.00% p.a.
$5,000+3.00% p.a.

Click to expand or contractANZ Business Call Account
AmountInterest Rate
$0 - $49,9991.50% p.a.
$50,000 - $99,9991.50% p.a.
$100,000 - $249,9992.00% p.a.
$250,000 - $499,9992.00% p.a.
$500,000 +3.00% p.a.

Click to expand or contractNon-profit Organisation Account
Interest Rate
0.75% p.a.

* Accrued on a daily basis and paid 6 monthly on the last business day of February and August.

Click to expand or contractCorporate Indicator Rate (CIR)
Interest Rate
24 July 20144.95% p.a.

Click to expand or contractBusiness Bank Indicator Rate (BBIR) and Commercial Overdraft Base Rate
Interest Rate
10.15% p.a.

Click to expand or contractBill Priced Term Loan Floating Indicator Rate
Interest Rate
7.15% p.a.

Find out more about business lending or deposits.

Click to expand or contractAgri Current Account and Agri Personal Current Account

Click to expand or contractDebit Interest Rates
Interest Rate
Agri Current Account Base Rate8.35% p.a.
Consumer Overdraft Base Rate13.15% p.a.

Rates are subject to change. A lending margin can apply to the Agri Current Account and Consumer Overdraft Base Rate.

Click to expand or contractCredit Interest Rates
AmountInterest Rate
$0 - $4,9991.10% p.a.
$5,000 - $19,9991.10% p.a.
$20,000 - $199,9991.35% p.a.
$200,000+1.85% p.a.