If you're looking for ways to get your everyday banking sorted, you've come to the right place. Here are some ideas to help you save time and money.

Choose the account that's right for you

Are you getting what you need from your everyday bank accounts?

If you are not, or if you'd like to make sure you are, it's a good idea to check them every now and again. Remember, ANZ offers a wide range of accounts, so if one account doesn't suit you, we're bound to have another one that does.

For example, you may want:

• 24-hour access to your money
• a competitive interest rate
• the ability to make lots of EFTPOS and ATM transactions at little cost
• a cheque book
• an overdraft for those cash flow emergencies
• a special-purpose account, such as one that's specially designed for students, graduates or 11 - 18 year olds.

Find out which of our accounts best meets your needs:

• ANZ Everyday accounts
• ANZ Savings accounts

Simplify your banking

Everyday banking should be simple. If yours is getting complicated, it could be time to change. You'll save time and hassles and could save money too.

• If you have accounts you don't use, close them so you don't keep paying unnecessary fees.
• If you have a number of debts, such as personal and home loans, credit cards, store cards etc, it may be a good idea to combine them into one loan at the lowest possible interest rate. It'll be easier to manage, you'll pay less in interest and you could save on fees. Find out more:

• ANZ Debt Consolidation Loan*

Organise day-to-day finances

With just a few simple systems, it's easy to work out how much money you have, where you have it and where you're spending it, then use this information to get your finances under control.

Track how much you spend each month (and what on), so you can see where your money's going. Compare this with how much money comes in every month - are you happy with the difference?

• ANZ Budget Planner

If you'd like to make changes, you can use this information to re-arrange your financial habits or you can contact us for advice and options on how to manage your money better.

Bank the way you want

Today, everyday banking is easier than ever before. ANZ has developed multiple banking channels where you can conduct your banking on the go, not only using ATMs and EFTPOS, but also via phone or online.

• ANZ Internet Banking**
• ANZ Mobile Phone Banking**
• Branches and ATMs
• ANZ Phone Direct**

More information

For more information about managing your account:

* ANZ lending criteria, terms, conditions and fees apply. 

** Registration required.

For more information about our fees please refer to the Service Charges brochure (PDF 156kB) for a full list of charges that apply, for example honour fees/Automatic Payment establishment and amendment fees.

A copy of the Bank's General Disclosure Statement under the Reserve Bank of New Zealand Act 1989 is available on this website or on request from any ANZ branch, free of charge.  This material is for information purposes only. Its content is intended to be of a general nature, does not take into account your financial situation or goals, and is not a personalised financial adviser service under the Financial Advisers Act 2008.  It is recommended you seek advice from a financial adviser which takes into account your individual circumstances before you acquire a financial product. If you wish to consult one of ANZ's financial advisers, please contact us on 0800 269 296.

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