Our everyday accounts make day-to-day banking a breeze, with easy access to your money whenever and wherever you like.

An ANZ Go account is an ideal transaction account if you do your banking electronically – you could avoid paying monthly account or transaction fees altogether.

  • No monthly account fee.
  • No automated transaction fees, non-standard fees (including fees for using non-ANZ ATMs) may apply.
  • Fees apply for manual transactions (for example cheques or transactions made with assistance from staff in branch or contact centres).
  • Easy access to your account 24 hours, 365 days.
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An ANZ Online account is ideal if you want to earn interest but still have easy access to your money.

  • You can access your money as often as you like through ANZ Internet Banking, Phone Banking, Mobile Phone Banking and branches, and you'll still earn the full rate of interest.
  • Earn competitive interest on every dollar.
  • No monthly account fee or automated transaction fees (manual transaction fees apply).
Open an account

An ANZ Foreign Currency account is ideal if you make or receive payments in a foreign currency. The account provides you with the ability to reduce unnecessary conversion costs and better manage your foreign exchange risks.

  • No monthly account fee.
  • Real time transfers between your ANZ accounts.
  • Access to your ANZ Foreign Currency account via ANZ Internet Banking, Phone Banking and branches.
  • Pay money overseas directly from your ANZ Foreign Currency Account.
  • Reduce conversion costs by not having to convert funds unnecessarily to New Zealand dollars.

Find out more about the ANZ Foreign Currency account.

Terms and Conditions apply.

Open an account
Not sure what account is best for you?
Many new migrants choose to open an ANZ Go account. It's simple and flexible with no monthly account fees, no minimum deposit and easy access to your money anytime. And, once you arrive, you can change to a different account at no cost if you want to.
At ANZ, we are committed to helping you and your new business succeed. We offer a complete range of business banking products and services; from day to day cash management to payment solutions and much more.
Starting a business in New Zealand? We can help.

If you are thinking of starting a new business, we can help you get it off the ground with our special ANZ Business Start-up Package. You'll get an ANZ Business Current account with no account or transaction fees for the first year.

Find out more

Our Business Start-up Package is just one of the reasons to choose ANZ. We offer a wide range of tools and support to help you achieve your business goals, including:

If study is your main purpose for coming to New Zealand, ANZ's student banking
solutions will help make student life easier- so you can focus on the important things.
ANZ Jumpstart Account

A bank account ideal for international students enrolled for at least six months of full-time study at a language school or tertiary institution approved by the New Zealand Qualifications Authority. You can set up your student bank account and transfer funds into the account before you arrive in New Zealand.

Find out more

Funds Transfer Scheme for Chinese, Indian, Sri Lankan and Filipino students
ANZ works with Immigration New Zealand to help students from China, India, Philippines and Sri Lanka organise their banking in New Zealand. The Fund Transfer Scheme was established to help verify proof of funds to assist with visa processing by Immigration New Zealand.
Students can open an account with ANZ before they arrive in New Zealand. ANZ will confirm to Immigration New Zealand upon receipt of funds into the student's New Zealand account. The funds are then held in a savings account with regular instalments being paid to the student for their day to day living expenses.

For information on the Fund Transfer Scheme visit Immigration New Zealand, or speak to your immigration or education agent.

Find out more

If you are looking to invest in New Zealand, our ANZ Private Migrant team has proven expertise in providing wealth solutions for migrant investors under the Investor and Investor Plus categories.
We can liaise with Immigration New Zealand to facilitate approval of individual investments. We can also provide the required confirmations and reporting to Immigration New Zealand on your behalf.
Investment Solutions
ANZ Private offers Migrant Investors two specific investment solutions that fulfil the Investor and Investor Plus category requirements.

For more information on the requirements for the migrant investor categories please visit the New Zealand Now website.


Discretionary Investment Management Service
We can manage your investments for you and offer personalised advice on implementing a portfolio that meets your investment objectives and risk profile. We also provide on-going monitoring of the portfolio, to ensure it continues to comply with Immigration New Zealand qualification criteria.
Trading Service

We can help you implement your own investment decisions on an information only basis. This option provides no personalised advice or on-going monitoring of the portfolio. We provide information only about the classes of investments that meet the INZ qualifying criteria.

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This material is for information purposes only. While ANZ has taken care to ensure that this information is from reliable sources, it cannot warrant its accuracy, completeness or suitability for your intended use. To the extent permitted by law, ANZ does not accept any responsibility or liability arising from your use of this information. You should seek professional advice relevant to your individual circumstances. If you wish to consult one of ANZ's financial advisers, please contact us on +64 9 414 2677. Copies of our advisers' Authorised Financial Adviser disclosure statements, prepared under the Financial Advisers Act 2008, are available on request and free of charge by contacting us.


ANZ Migrant Banking Package 

If you've recently migrated to New Zealand or you're arriving soon, you can apply for the unique benefits of our Migrant Banking Package. With a selection of personal and business banking products, plus great discounts and benefits, our Migrant Banking Package will make settling in easy.

The Migrant Banking Package includes great everyday banking plus a range of optional services, depending on your needs:


If you have a Work or Resident Visa you will be eligible for our Migrant Banking Package.

The Migrant Banking Package is available for a duration of three years.

Everyday Banking

Your choice of two great everyday accounts offering easy access to your money:

  • ANZ Freedom account gives you unlimited automated and manual transactions. Monthly fee of $5 will be waived if you deposit at least $2,500 into this account each month. With your Freedom account, you can choose a Visa Debit card with no annual card fee1; or
  • ANZ Go account avoid monthly account and transaction fees by banking electronically (a $3 fee applies for manual transactions which includes cheques and transactions handled by our staff at a branch or by phone and Visa Debit card fee $10 p.a.2).

Optional features and benefits you can apply for:


Optional features and benefits you can apply for:

Package details, fees and interest rates are subject to change. Lending criteria, terms and conditions and fees apply to all lending facilities. A copy of our Reserve Bank Disclosure Statement and full details of fees, terms and conditions for all ANZ products are available from any ANZ branch or agency of ANZ.

To help all our Migrant Banking Package customers get started in New Zealand we are working together with several great companies that can provide you with exciting offers.

  • Vodafone - Connect to NZ's reliable network with a free SIM card from Vodafone, with a Prepay plan customised for you. Plus we've put $5 credit on your SIM, so you can call home or within NZ on us!
  • Hertz - 10% discount on Hertz car rentals when booked on hertz.co.nz
  • Rydges - 10% discount on Rydges bookings when booked on rydges.com

The goods and/or services described above are supplied by third parties. ANZ does not warrant the quality of the goods and/or services described, or the suitability for your particular circumstances. To the extent permitted by law, ANZ excludes liability for any loss suffered as a result of the Lifestyle goods and/or services by you. It is recommended you seek advice from a professional adviser which takes into account your individual circumstances before you acquire any of the Lifestyle goods and/or services.

For plan details and terms visit www.vodafone.co.nz/international-sim. Prepay terms and conditions apply.

Hertz Customer Discount Programme (CDP) Terms and Conditions

  1. The correct Customer Discount Code (CDP) must be quoted at the time of reservation.
  2. Minimum rental period of 1 rental day applies with a maximum 10% discount applied to the daily rate (time and kilometre) charge only.
  3. Offer available at participating Hertz locations in New Zealand.
  4. A twenty-nine (29) minute grace period is allowed for returns. Returns outside the grace period will be charged up to an extra rental day fee.
  5. Offer excludes taxes, fees, optional products and services, fuel, additional charges such as airport taxes and sundry fees and the GST that applies to these charges.
  6. This offer may not be combined or used in conjunction with any other offer, discount promotion, special offer or coupon.
  7. Offer does not apply to contract, tours, government or insurance replacement rentals.
  8. Offer does not apply to Prepaid (Pay Now) rates.
  9. Vehicle models may differ and specifications may vary by location. Vehicles can be reserved by car group only and not by particular car model or colour. Fleet subject to change without notice.
  10. All bookings are subject to Hertz standard terms and conditions, rental agreement, driver, rental and credit qualifications in effect at the time and place of vehicle rental.
  11. Special conditions may apply. Customer Discount Programme (CDP) terms and conditions are subject to change without notice and may be withdrawn at any time.
  12. Hertz or Hertz New Zealand means Hertz New Zealand Limited at Private Bag 4716, Christchurch and 0800 654 321.

Rydges Terms and Conditions

  1. All reservations must be guaranteed by a credit card at the time of booking.
  2. All guaranteed reservations may be cancelled up until 2pm the day prior to arrival.
  3. Reservations not guaranteed may be released by the hotel at any time. Should this occur, the guest will be notified by the hotel.
  4. Any cancellations after 2pm the day prior to arrival or unfulfilled reservations will be charged the full amount of the booking.
  5. Rates are per room per night for up to 2 people.
  6. Rates are subject to availability and restrictions on room types and length of stay may be applied during peak or special event periods.
  7. If guests elect to pay their hotel account by credit card or other card using a credit payment facility, Rydges reserves the right to charge a 2% credit card transaction fee to cover its associated administrative costs.
  8. Rates may not be valid for 10 or more travellers.

For full details please review the Migrant Banking Package factsheet (PDF 357kB).Apply for the Migrant Banking Package

Package details, fees and interest rates are subject to change. Lending criteria, terms and conditions and fees apply to all lending facilities. View a copy of the Reserve Bank Disclosure Statement or request a copy at any ANZ branch free of charge.

  1. Deposits exclude transfers between any of your ANZ accounts. A $5 monthly account fee applies if you don’t make deposits totalling $2,500 that month. Service and access fees (non-standard fees) may apply, including currency conversion and non-ANZ ATM fees. Must be 16 years or over to apply for an ANZ Visa Debit card.
  2. Manual transactions include cheques and transactions handled by our staff at a branch or by phone. Must be 16 years or over to apply for an ANZ Visa Debit card.
  3. $150 is the annual fee for an ANZ Airpoints Visa Platinum card. The additional card fee is $25.
  4. Our lending criteria and fees apply. Full details are contained in the ANZ Credit Card Conditions of Use available from anz.co.nz or any branch.
  5. Our lending criteria and fees apply. Full details are contained in the ANZ Personal Loan Terms and Conditions available from anz.co.nz or any branch.
  6. UDC Finance Limited is a wholly-owned subsidiary of ANZ and specialises in lending for assets such as vehicles. Terms, conditions and fees apply.
  7. Minimum premium amounts may apply.
  8. All ANZ Asset Protector and Base Protect policies are underwritten by Vero Insurance New Zealand Limited and distributed through ANZ. No member of ANZ Bank New Zealand Limited or its related companies or any other person guarantees Vero Insurance New Zealand Limited or its subsidiaries or any of the products issued by them. ANZ may receive a commission on any policy it arranges.
  9. Online International Money Transfer fee discount is exclusive to ANZ Internet Banking Send Money Overseas service (registration may apply). Standard International Payment fees and charges apply when completed by ANZ Branch or ANZ International Phone Banking. Standard overseas bank charges apply.
  10. The offer of 5,000 CashBack Points will be credited to your account within two months of your first use of your card, provided you are operating your account within the Visa Business card Conditions of Use.
  11. After 12 months, our standard interest rate will apply. Interest rates are subject to change and are available from anz.co.nz
  12. Lending criteria, terms, conditions and fees apply. Full details are contained in the ANZ Visa Business card Conditions of Use available from anz.co.nz or any ANZ branch.

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Open an ANZ bank account before you arrive
in New Zealand. It’s easy.

For personal help, contact our International and Migrant Banking team.

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