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Savings accounts

Whether you're saving for your future or you have a special goal in mind, we've got an account to suit you.

Explore your options

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ANZ Serious Saver account

Earn Premium interest and your savings could grow more.

2.75% p.a. Total interest rate

0.85% p.a. Standard interest plus
1.90% p.a. Premium interest

  • Allows you to build your savings over time.
  • Earn Premium interest if you make no withdrawals and deposit $20 or more (not including credit interest) on or before the last business day of the month.
  • Allows access to your savings if you need to and still earn Standard interest (one free withdrawal per month).
More about Serious Saver accountsApply online for a Serious Saver account
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ANZ Online account

Savings with online access anytime.

0.80% p.a. Interest rate

  • Allows you to dip into your savings from time-to-time.
  • Simple and easy to manage with ANZ Internet Banking and goMoney app1.
  • Free automated withdrawals (e.g. ANZ Internet Banking, or goMoney)2.
  • Earn interest on every dollar in your account. 
  • No monthly minimum deposit.
More about Online accountsApply online for an Online account
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ANZ Term Deposits

An investment with a fixed return.

4.00% p.a. Interest rate - 240 days (approximately 8 months)

  • Requires you to have $10,000 or more to invest. 
  • You choose how long to invest, from 30 days to five years. 
  • No surprises – you know exactly what your return will be. 
More about Term DepositsApply online for a Term Deposit

How to apply

1. Choose an account

Choose the savings account that's right for you.

2. Apply online

Apply for the account of your choice using our online form. It takes approximately five minutes.

3. We'll be in touch

We'll open your account within a few days, if you're an existing customer. If you're new to ANZ, we'll call to organise a visit to a branch to confirm your identity.

Tools and calculators

Which account is right for you?

Use our online tool to help you decide.

Find an account

Grow your long-term savings

Calculate how much your savings could grow over time.

Long-term savings calculator

Reach your savings goal

Calculate how much you may need to save regularly to reach your goal.

Savings goal calculator

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Important information

Our eligibility criteria apply. Fees and interest rates are subject to change. Non-standard fees may apply. Please see our Terms and Conditions, Fees and Charges (PDF 166KB), ANZ EFTPOS Card and ANZ Visa Debit Card Conditions of Use (PDF 103KB), and ANZ Electronic Banking Conditions (PDF 138KB).

This material is for information purposes only. Please talk to us if you need financial advice about your situation and goals before getting a financial product. To talk to one of our team at ANZ, please call 0800 269 296. See our financial advice provider statement (PDF 39.8KB). 

1.

Eligibility criteria and terms and conditions apply to the ANZ goMoney app, Internet Banking, Phone Banking, Voice ID and Pay to Mobile. For details, see our ANZ Electronic Banking Conditions (PDF 138KB).

2.

Automated transactions include EFTPOS, Visa Debit, ATM, and mobile wallet transactions, as well as all electronic payments and other transactions made using ANZ goMoney, ANZ Internet Banking, ANZ Phone Banking and ANZ Direct Online. EFTPOS, Visa Debit, ATM and mobile wallet transactions not permitted on the ANZ Online account.