ANZ New Zealand

Interest rates

The following information is current as at Friday, 3 February 2012 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 contractHousing loans

Find out more about Housing loans.

Click to expand or contractANZ Variable Rates

	Interest Rate
Simple Variable Rate	5.74% p.a.

Does not qualify for package discounts.

Rates may differ for existing ANZ customers and not all rates may be listed above. Please contact any branch of ANZ for further information.

Click to expand or contractANZ Fixed Rate

Term	Interest Rate
6 months	5.65% p.a.
1 year	5.70% p.a.
18 months	5.89% p.a.
2 years	5.79% p.a.
3 years	6.45% p.a.
4 years	6.85% p.a.
5 years	7.25% p.a.

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

Click to expand or contractANZ FlexiPlus

	Interest Rate
Variable Rate	5.85% p.a.

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

Click to expand or contractResidential investment loans

Find out more about Residential investment loans.

Click to expand or contractANZ Variable Rates

	Interest Rate
Simple Variable Rate	5.74% p.a.

Does not qualify for package discounts.

Rates may differ for existing ANZ customers and not all rates may be listed above. Please contact any branch of ANZ for further information.

Click to expand or contractANZ Fixed Rate

Term	Interest Rate
6 months	5.65% p.a.
1 year	5.70% p.a.
18 months	5.89% p.a.
2 years	5.79% p.a.
3 years	6.45% p.a.
4 years	6.85% p.a.
5 years	7.25% p.a.

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

Click to expand or contractANZ FlexiPlus

	Interest Rate
Variable Rate	5.85% p.a.

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

Click to expand or contractCredit cards

Find out more about Credit cards.

Click to expand or contractANZ World Visa

	Purchases	Cash Advances
	19.95% p.a.	22.20% p.a.

Click to expand or contractANZ Airpoints Visa

	Purchases	Cash Advances
	19.95% p.a.	22.20% p.a.

Click to expand or contractANZ MasterCard

	Purchases	Cash Advances
	19.95% p.a.	22.20% p.a.

Click to expand or contractANZ Gold MasterCard

	Purchases	Cash Advances
	19.95% p.a.	22.20% p.a.

Click to expand or contractRWC 2011 ANZ Gold MasterCard

	Purchases	Cash Advances
	19.95% p.a.	22.20% p.a.

Click to expand or contractANZ Visa

	Purchases	Cash Advances
	19.95% p.a.	22.20% p.a.

Click to expand or contractANZ Visa Gold

	Purchases	Cash Advances
	19.95% p.a.	22.20% p.a.

Click to expand or contractANZ World Visa Platinum

	Purchases	Cash Advances
	19.95% p.a.	22.20% p.a.

Click to expand or contractANZ Airpoints Visa Platinum

	Purchases	Cash Advances
	19.95% p.a.	22.20% p.a.

Click to expand or contractQantas ANZ Visa

	Purchases	Cash Advances
	19.95% p.a.	22.20% p.a.

Click to expand or contractQantas ANZ Visa Platinum

	Purchases	Cash Advances
	19.95% p.a.	22.20% p.a.

Click to expand or contractANZ Low Rate MasterCard

	Purchases	Cash Advances
	13.90% p.a.	17.90% p.a.

Click to expand or contractANZ Business Preferred MasterCard

	Purchases	Cash Advances
	19.50% p.a.	19.50% p.a.

Click to expand or contractANZ Visa Purchasing Card

	Purchases	Cash 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 contractPersonal loans

Find out more about Personal loans.

Click to expand or contractANZ Variable Rate

Amount	Interest Rate
less than $10,000	18.75% p.a.
$10,000 and over	16.95% p.a.

Click to expand or contractANZ Debt Consolidation Rate

	Interest Rate
	14.95% p.a. Special interest rate available until 31 March 2012

Click to expand or contractANZ Student Package

	Interest Rate
	11.95% p.a.

For the interest rate on Student Package Loans issued before 01/04/2008 please see the ANZ Standard Variable Home Loan Rate.

Click to expand or contractANZ Graduate Package

	Interest Rate
	11.95% p.a.

For the interest rate on Graduate Package Loans issued before 01/04/2008 please see the ANZ Standard Variable Home Loan Rate.

Click to expand or contractOverdrafts

Find out more about Overdrafts.

Click to expand or contractPersonal Overdraft

	Interest Rate
Consumer Overdraft Base Rate	13.15% p.a. (+ margin)

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 - Special Rates

Term	$10,000 +
6 months	4.30% p.a.
12 months	4.40% p.a.

Click to expand or contractANZ Term Deposits

Term	$10,000 +
1 month	3.00% p.a.
2 months	3.00% p.a.
3 months	3.25% p.a.
4 months	3.25% p.a.
5 months	3.25% p.a.
6 months	4.30% p.a.
9 months	4.00% p.a.
12 months	4.40% p.a.
18 months	4.25% p.a.
24 months	4.75% p.a.
3 years	5.00% p.a.
4 years	5.25% p.a.
5 years	5.50% 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

	Base Rate	Bonus Rate	Total
	0.10% p.a.	4.40% p.a.	4.50% p.a.

Bonus interest is obtained when you make a deposit of $20 or more (not including credit interest) and make no withdrawals within your account's monthly key date cycle.

Click to expand or contractANZ Youth Account

	Interest Rate
	2.25% p.a.

Click to expand or contractANZ Advantage

Amount	Interest Rate
$0 - $4,999	0.00% p.a.
$5,000 - $19,999	1.00% p.a.
$20,000 - $49,999	1.00% p.a.
$50,000 - $99,999	1.25% p.a.
$100,000 +	2.75% p.a.

Click to expand or contractANZ Premier

Amount	Interest Rate
$0 - $4,999	0.00% p.a.
$5,000 - $49,999	1.00% p.a.
$50,000 - $99,999	1.25% p.a.
$100,000 +	2.75% p.a.

Click to expand or contractANZ Online Call Account

Amount	Interest Rate
$0 - $2,000	3.00% p.a.
$2,000 +	3.00% p.a.

Interest is calculated daily on the whole balance and paid monthly.

Click to expand or contractForeign currency accounts and term deposits

Find out more about Foreign currency deposit products.

Click to expand or contractUSD - Foreign Currency Accounts

Deposit Balance	Transaction	Investment
$10,000 - $24,999	0.00% p.a.	0.00% p.a.
$25,000 - $74,999	0.00% p.a.	0.00% p.a.
$75,000 - $224,999	0.00% p.a.	0.00% p.a.
$225,000 +	0.00% p.a.	0.00% p.a.

Click to expand or contractUSD - Foreign Currency Term Deposits

Deposit Balance	30 days	60 days	90 days	180 days	365 days
$10,000 - $24,999	0.00% p.a.	0.00% p.a.	0.00% p.a.	0.00% p.a.	0.00% p.a.
$25,000 - $74,999	0.00% p.a.	0.00% p.a.	0.00% p.a.	0.00% p.a.	0.00% p.a.
$75,000 - $224,999	0.00% p.a.	0.00% p.a.	0.08% p.a.	0.00% p.a.	0.00% p.a.
$225,000 +	0.00% p.a.	0.00% p.a.	0.13% p.a.	0.00% p.a.	0.00% p.a.

Click to expand or contractEUR - Foreign Currency Accounts

Deposit Balance	Transaction	Investment
€ 7,500 - € 19,999	0.00% p.a.	0.00% p.a.
€ 20,000 - € 59,999	0.00% p.a.	0.00% p.a.
€ 60,000 - € 174,999	0.00% p.a.	0.00% p.a.
€ 175,000 +	0.00% p.a.	0.00% p.a.

Click to expand or contractEUR - Foreign Currency Term Deposits

Deposit Balance	30 days	60 days	90 days	180 days	365 days
€ 7,500 - € 19,999	0.00% p.a.	0.00% p.a.	0.00% p.a.	0.00% p.a.	0.00% p.a.
€ 20,000 - € 59,999	0.00% p.a.	0.00% p.a.	0.00% p.a.	0.00% p.a.	0.00% p.a.
€ 60,000 - € 174,999	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.	0.02% p.a.	0.00% p.a.	0.00% p.a.

Click to expand or contractAUD - Foreign Currency Accounts

Deposit Balance	Transaction	Investment
$10,000 - $24,999	1.65% p.a.	1.90% p.a.
$25,000 - $74,999	1.65% p.a.	2.15% p.a.
$75,000 - $229,999	1.65% p.a.	2.40% p.a.
$230,000 +	1.65% p.a.	2.65% p.a.

Click to expand or contractAUD - Foreign Currency Term Deposits

Deposit Balance	30 days	60 days	90 days	180 days	365 days
$10,000 - $24,999	2.48% p.a.	2.47% p.a.	2.46% p.a.	2.49% p.a.	2.34% p.a.
$25,000 - $74,999	2.73% p.a.	2.72% p.a.	2.76% p.a.	2.74% p.a.	2.59% p.a.
$75,000 - $229,999	3.08% p.a.	3.07% p.a.	3.21% p.a.	3.19% p.a.	3.04% p.a.
$230,000 +	3.23% p.a.	3.22% p.a.	3.36% p.a.	3.34% p.a.	3.19% p.a.

Click to expand or contractGBP - Foreign Currency Accounts

Deposit Balance	Transaction	Investment
£5,000 - £14,999	0.00% p.a.	0.00% p.a.
£15,000 - £49,999	0.00% p.a.	0.00% p.a.
£50,000 - £149,999	0.00% p.a.	0.00% p.a.
£150,000 +	0.00% p.a.	0.00% p.a.

Click to expand or contractGBP - Foreign Currency Term Deposits

Deposit Balance	30 days	60 days	90 days	180 days	365 days
£5,000 - £14,999	0.00% p.a.	0.00% p.a.	0.00% p.a.	0.00% p.a.	0.00% p.a.
£15,000 - £49,999	0.00% p.a.	0.00% p.a.	0.10% p.a.	0.00% p.a.	0.00% p.a.
£50,000 - £149,999	0.00% p.a.	0.00% p.a.	0.20% p.a.	0.00% p.a.	0.04% p.a.
£150,000 +	0.07% p.a.	0.05% p.a.	0.30% p.a.	0.09% p.a.	0.14% p.a.

Click to expand or contractJPY - Foreign Currency Accounts

Deposit Balance	Transaction	Investment
¥850,000 - ¥2,499,999	0.00% p.a.	0.00% p.a.
¥2,500,000 - ¥6,499,999	0.00% p.a.	0.00% p.a.
¥6,500,000 - ¥19,999,999	0.00% p.a.	0.00% p.a.
¥20,000,000 +	0.00% p.a.	0.00% p.a.

Click to expand or contractJPY - Foreign Currency Term Deposits

Deposit Balance	30 days	60 days	90 days	180 days	365 days
¥850,000 - ¥2,499,999	0.00% p.a.	0.00% p.a.	0.00% p.a.	0.00% p.a.	0.00% p.a.
¥2,500,000 - ¥6,499,999	0.00% p.a.	0.00% p.a.	0.00% p.a.	0.00% p.a.	0.00% p.a.
¥6,500,000 - ¥19,999,999	0.00% p.a.	0.00% p.a.	0.00% p.a.	0.00% p.a.	0.05% p.a.
¥20,000,000 +	0.00% p.a.	0.00% p.a.	0.00% p.a.	0.00% p.a.	0.10% p.a.

Click to expand or contractCAD - Foreign Currency Accounts

Deposit Balance	Transaction	Investment
$10,000 - $24,999	0.00% p.a.	0.00% p.a.
$25,000 - $74,999	0.00% p.a.	0.00% p.a.
$75,000 - $229,999	0.00% p.a.	0.00% p.a.
$230,000 +	0.00% p.a.	0.00% p.a.

Click to expand or contractCAD - Foreign Currency Term Deposits

Deposit Balance	30 days	60 days	90 days	180 days	365 days
$10,000 - $24,999	0.00% p.a.	0.04% p.a.	0.23% p.a.	0.29% p.a.	0.62% p.a.
$25,000 - $74,999	0.04% p.a.	0.14% p.a.	0.33% p.a.	0.39% p.a.	0.72% p.a.
$75,000 - $229,999	0.14% p.a.	0.24% p.a.	0.38% p.a.	0.49% p.a.	0.82% p.a.
$230,000 +	0.19% p.a.	0.29% p.a.	0.48% p.a.	0.54% p.a.	0.87% 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

Amount	Interest Rate
$5,000 - $20,000	16.95% p.a.
$20,000 +	15.95% p.a.

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

Click to expand or contractBusiness rates

Find out more about Business rates.

Click to expand or contractANZ Business Equity Loan Variable Rate

	Interest Rate
Variable Rate	6.24% p.a.

Click to expand or contractANZ Business Equity Loan Fixed Rates

Term	Interest Rate
6 months	5.65% p.a.
1 year	5.70% p.a.
2 years	5.79% p.a.
3 years	6.45% p.a.
4 years	6.85% p.a.
5 years	7.25% p.a.

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

Click to expand or contractANZ Business Equity Credit Line

	Interest Rate
Variable Rate	6.24% p.a.

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

Click to expand or contractANZ Call Deposit Account

Amount	Interest Rate
$0 - $19,999	1.00% p.a.
$20,000 - $99,999	1.25% p.a.
$100,000 - $249,999	2.00% p.a.
$250,000 - $499,999	2.00% p.a.
$500,000	3.00% p.a.

Click to expand or contractANZ Business Call Account

Amount	Interest Rate
$0 - $4,999	1.00% p.a.
$5,000 - $19,999	1.00% p.a.
$20,000 - $99,999	1.25% p.a.
$100,000 - $249,999	1.50% p.a.
$250,000 - $499,999	1.75% p.a.
$500,000 +	2.50% p.a.

Click to expand or contractCorporate Indicator Rate (CIR - Corporate)

	Interest Rate
03 February 2012	4.32% p.a.

Click to expand or contractBusiness Bank Indicator Rate (BBIR - Corporate)

	Interest Rate
	9.65% p.a.

Click to expand or contractBill Priced Term Loan Floating Indicator Rate

	Interest Rate
	6.92% p.a.

Click to expand or contractBill Priced Flexible Facility Indicator Rate

	Interest Rate
	6.92% p.a.

ANZ New Zealand

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Interest rates