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Join ANZ with an everyday account

Start your application online and spend less time banking and more time living.

Get started by choosing your account

Go account

Great if you bank electronically and want to save on monthly account fees


Monthly account fee



Automated transaction feedisclaimer



Manual transaction fee per transactiondisclaimer

(cheques and staff-assisted transactions)


ANZ Visa Debit card annual feedisclaimer disclaimer(waived for the first 12 months for new cards)

  • Unlimited free automated transactionsdisclaimer
  • Overdraft available on applicationdisclaimer
  • Joint account option available

Freedom account

Bank the way you want to with no transaction fees


Monthly account fee

waived each month you deposit at least $2,500 into your accountdisclaimer


Transaction feesdisclaimerdisclaimer


ANZ Visa Debit card annual feedisclaimerdisclaimer

Jumpstart account

Account for kids, full-time students and anyone under 21


Monthly account fee



Transaction feesdisclaimer  disclaimer


ANZ Visa Debit card annual feedisclaimer disclaimer

Great reasons to join us

Pay with your smartphone

Tap and pay at thousands of stores with either Apple Paydisclaimer or Google PayTMdisclaimer. You can also send money to anyone with a NZ bank account using their mobile numberdisclaimer, or pay bills on the go with ANZ goMoneydisclaimer, so your money always moves with you.

Personalise your Visa Debit card

Once you have an ANZ Visa Debit card, it's easy to upgrade it to a MyPhoto card with a picture of your choice, so you can stand out from the crowddisclaimer.

We're here when you need us

We’ve got an extensive branch network and a contact centre open seven days a week, so we’re here to help when you need us. Plus, you can manage your money 24/7 with ANZ Internet Banking or goMoney – NZ’s favourite banking app.

A whole lot more


  • Take control with ANZ Card Manager - temporarily block your card if you misplace it, or cancel and replace lost or stolen cardsdisclaimer.

  • A free A-Z Review to check you’re making the most of your money.
  • We’re committed to keeping you and your money safe, with the latest security systems and technology.

  • A free switching service to help transfer your accounts and payments from your current bank to ANZ.

It's easy to join us


Apply for an account

Choose the everyday account that's right for you, then apply for it in 5 minutes using our simple online form.

We'll contact you

Before opening your account, we'll contact you to set up a time to visit an ANZ branch and confirm your identity.

Visit a branch

We'll verify your identity in branch, and set up your ANZ Internet Banking, ANZ goMoney and anything else you need.

Our eligibility criteria apply. Fees are subject to change.  Non-standard fees may apply, including currency conversion for overseas transactions. Please use the following links for full details of our Terms and ConditionsFees and Charges (PDF 159kB), and ANZ EFTPOS Card and ANZ Visa Debit Card Conditions of Use (PDF 103kB), and Electronic Banking Conditions (PDF 129kB).

Automated transactions include EFTPOS, Visa Debit, ATM, and mobile wallet transactions, as well as all electronic payments and other transactions made using ANZ Internet Banking, goMoney, Phone Banking, and ANZ Direct Online. 

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Manual transactions include cheques and transactions handled by our staff for you, including at a branch, by phone, or online. Balances and basic account enquiries at a branch are free. We process any deposits received through ANZ Fast Deposit Boxes as staff-assisted, manual transactions.

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Must be 13 years or over to apply for an ANZ Visa Debit card.

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The Visa Debit annual card fee will be waived if the card is linked to an ANZ Freedom or ANZ Jumpstart account. It will also be waived for the first 12 months for a new card linked to an ANZ Go account (after 12 months you will be charged an annual card fee of $10). For all other accounts you will be charged an annual card fee of $10.

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All overdrafts are subject to application and ANZ eligibility criteria, lending criteria and terms and conditions. Overdraft fees may apply. See ANZ Overdraft for more information.

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A monthly account fee of $5 will apply if the $2,500 minimum deposit is not met. Deposits exclude transfers between any of your ANZ accounts.

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Apple, the Apple logo, Touch ID, iPhone and Apple Watch are trademarks of Apple Inc., registered in the U.S. and other countries. Apple Pay is a trademark of Apple Inc.

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Google Pay is a trademark of Google LLC. Terms and conditions apply to Google Pay, see Google Pay for more information.

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Terms and Conditions apply to Voice ID and Pay to Mobile. See our Electronic Banking Conditions (PDF 129kB) for more information.

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Registration is required for ANZ goMoney, ANZ Internet Banking and ANZ Phone Banking. Telephone, mobile operator and internet service provider charges may apply to these services. Eligibility criteria and terms and conditions apply.

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Image criteria and MyPhoto terms and conditions apply.

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Available for ANZ EFTPOS cards, ANZ Visa Debit cards and personal ANZ credit cards only. 

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