With an ANZ Online account you can access your money anytime and you’ll still earn the full rate of interest.

Product information



The full rate of interest paid on every dollar in your account no matter how often you access your account.

Accessing your money

You can transfer money from your ANZ Online account to your other ANZ everyday banking and savings accounts. You can also make payments to other New Zealand bank accounts (for example a bill payment or one-off payment), as well as tax payments.

Making these payments electronically means you won’t pay any fees, but you can also access your money through our Contact Centre and ANZ branches when you need to, including withdrawing cash.

You won’t be able to make cheque, EFTPOS and ATM withdrawals, automatic payments or direct debits from your ANZ Online account. However, if you need to make these transactions, we have a great range of everyday banking accounts that you can choose from.


Monthly account fee
Automated and manual deposit fee
Automated withdrawal fee
Manual withdrawal fee

Manual transactions include cheques and transactions handled by our staff at a branch or by phone.
Automated transactions include EFTPOS transactions, direct debits and direct credits, and all electronic transactions made through ANZ Phone Banking, Mobile Phone Banking and Internet Banking.

How to apply

For more information or to apply for an ANZ Online account:

Call Us
Call 0800 269 296

Overdraft facilities and cheque books are not available on this account.

Fees are subject to change. For more information about our fees please refer to the Fees and Charges brochure (PDF 132kB).

A copy of our Reserve Bank Disclosure Statement 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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