Join the KiwiSaver scheme others look up to
Join ANZ with an everyday account
Start your application online and spend less time banking and more time living.
Go account
Great if you bank electronically and want to save on monthly account fees
$0
Monthly account fee
$0
Automated transaction feedisclaimer
$3
Manual transaction fee per transactiondisclaimer
(cheques and staff-assisted transactions)
$10
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
- Unlimited free automated and manual transactionsdisclaimer, disclaimer
- Overdraft available on applicationdisclaimer
- Joint account option available
Jumpstart account
Account for kids, full-time students and anyone under 21
$0
Monthly account fee
- Unlimited free automated and manual transactionsdisclaimer disclaimer
- Interest-free overdraft of up to $2,000 on application (must be 18+)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 Conditions, Fees 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.
Back to topManual 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.
Back to topMust be 13 years or over to apply for an ANZ Visa Debit card.
Back to topThe 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.
Back to topAll 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.
Back to topA 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.
Back to topApple, 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.
Back to topGoogle Pay is a trademark of Google LLC. Terms and conditions apply to Google Pay, see Google Pay for more information.
Back to topTerms and Conditions apply to Voice ID and Pay to Mobile. See our Electronic Banking Conditions (PDF 129kB) for more information.
Back to topRegistration 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.
Back to topImage criteria and MyPhoto terms and conditions apply.
Back to topAvailable for ANZ EFTPOS cards, ANZ Visa Debit cards and personal ANZ credit cards only.
Back to top