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Everyday bank accounts

Simple, easy accounts that let you spend less time banking, and more time living. Compare your options and open an account that suits you.

Get $100 when you join ANZ

Simply download the ANZ goMoney app, join with an ANZ Go account and a Visa Debit card in the app by 9 March 2026, and make five purchases by 30 March 2026.

You’ll then get $100 cash paid into your account by 24 April 2026.

Limited time offer. Eligibility criteria, terms and conditions, and fees apply to ANZ goMoney and this offer.

How to join using goMoney

Explore your options

For people who like to do their banking electronically

ANZ Go account

  • $0 monthly account fee
  • $0 automated transaction fee—
  • $3 fee per staff-assisted withdrawal— – if you’re under 21 and have an individual account, it’s free
  • $0 ANZ Visa Debit card annual fee—
More about Go accounts

For people who make regular deposits

ANZ Freedom account
 
  • $5 monthly account fee, waived each month you deposit at least $2,500 into your account on or before the last business day of the month—
  • $0 transaction fees, meaning unlimited free automated and manual transactions— —
  • $0 ANZ Visa Debit card annual fee—

 

More about Freedom accounts

Our tool can help you decide

Find a bank account

Account and card packages

ANZ Freedom Years package

If you're 65 or older, and receiving a New Zealand Superannuation (or an equivalent private scheme), you could enjoy special banking benefits with our Freedom Years package.

ANZ Freedom Years package

ANZ Migrant Banking package

Our Migrant Banking package will make settling in easy with a great selection of personal and business banking products.

ANZ Migrant Banking package

How to open an account

Join ANZ the fast way using our goMoney app

New to ANZ? You can join with a Go account using goMoney— – no branch visit needed—.

You’ll need to be 13+, have a New Zealand residential address and a current New Zealand ID (passport or driver licence).

Join ANZ

If you can’t join using the app or want a different account, you can still apply online or call us.

Existing customers

Apply for an account using ANZ goMoney or Internet Banking— and your account should open automatically. 

Otherwise, you can apply using our online form and we'll open your account within a few days.

You might be interested in

Savings accounts

Whether you're saving for your future or you have a special goal in mind, we've got an account to suit you.

Savings accounts

Help and guides – manage your ANZ accounts

Step-by-step guides for using goMoney and Internet Banking to update your contact details, find your account history and more.

Manage your ANZ accounts

Joint bank accounts

A joint bank account is owned and controlled by more than one person. Whether you’re pooling your money for shared bills or saving toward a shared goal, all joint account holders have visibility of the account.

Joint bank accounts

Depositor Compensation Scheme

The Depositor Compensation Scheme acts as another protective layer for our personal and business customers.

How the scheme protects your money

Important information

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 138KB).

This material is for information purposes only. We recommend seeking financial advice about your situation and goals before getting a financial product. To talk to one of our team at ANZ, please call 0800 269 296, or for more information about ANZ’s financial advice service or to view our financial advice provider disclosure statement see anz.co.nz/fapdisclosure

* Eligibility criteria and terms and conditions apply to the ANZ goMoney app, ANZ Internet Banking, ANZ Phone Banking, Voice ID and Pay to Mobile. For details, see our ANZ Electronic Banking Conditions (PDF 138KB).