Join ANZ

Tap and pay at thousands of stores with either Apple Pay^disclaimer or Google Pay^TM^disclaimer. You can also send money to anyone with a NZ bank account using their mobile number^disclaimer, or pay bills on the go with ANZ goMoney, 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 crowd^disclaimer.

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 cards^disclaimer.
A free A-Z Review to check you’re making the most of your money.

It's easy to join us

Apply for an account

Choose the everyday account that's right 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.

Important information

Fees are subject to change.

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.

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, and Phone Banking.

Manual transactions include cheques and transactions handled by our staff for you, including at a branch, by phone, or online.

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

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.

Non-standard fees may apply, including currency conversion for overseas transactions. Please use the following links for full details of our Terms & Conditions and Fees & Charges (PDF 100kB).

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.

If you're 21 or over and applying for Jumpstart, you must be enrolled at and provide proof of full-time study at a government recognised tertiary institution or a NZQA approved language school, and must have a minimum of 6 months remaining on your course.

Must be 18 years or over to apply for an overdraft. ANZ lending criteria, terms, conditions and fees apply to overdrafts. Student allowance/government loan and/or other income must be direct credited to an ANZ account. If approved, only one interest-free overdraft will be provided per eligible Jumpstart customer. See ANZ Overdraft for more information.

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.

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

Terms and Conditions apply to Voice ID and Pay to Mobile. See our Electronic Banking Conditions (PDF 142kB) for more information.

Image criteria and MyPhoto terms and conditions apply.

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

Join ANZ

When your money moves with you, you’re always on top of it

Get started by choosing your account

Go account

Freedom account

Jumpstart account

Great reasons to join us

Pay with your smartphone