Everyday accounts

Simple, easy accounts that let you spend less time banking, and more time living.

Explore your options

ANZ Go account

Save on fees with your Go account when you bank electronically (debit cards, ATMs and online banking).

  • $0 monthly account fee
  • $0 automated transaction fee
  • $3 manual transaction fee per staff-assisted transaction
  • $10 ANZ Visa Debit card annual fee,  waived for the first 12 months for new cards
  • Unlimited free automated transactions
  • Overdraft available on application
  • Joint account option available

ANZ Freedom account

No transaction fees, and no monthly account fee if you meet the minimum monthly deposit of at least $2,500 each month.

  • $5 monthly account fee, waived each month you deposit at least $2,500 into your account
  • $0 transaction fees
  • $0 ANZ Visa Debit card annual fee, 
  • Unlimited free automated and manual transactions, 
  • Overdraft available on application
  • Joint account option available

ANZ Jumpstart account

An account for anyone under 21, and full-time students, with no account or transaction fees.

  • $0 monthly fee
  • $0 transaction fees
  • $0 ANZ Visa Debit card annual fee,           
  • Unlimited free automated and manual transactions, 
  • Interest-free overdraft of up to $2,000 on application (must be 18+)

Read about accounts for kids

Find out which everyday account is right for you

How to apply

Financial wellbeing

Financial wellbeing isn’t one-size-fits-all. We all have different aspirations when it comes to money and your journey could be entirely different to the next person.

For inspiration, check out our articles and guides with ideas from starting a budget to setting a savings goal.

Two women pose with arm muscles flexed on top of a mountain

Bank on the go

With the ANZ goMoney mobile app, you’ve got your banking at your fingertips wherever you are – on the bus, at the beach or at home.

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 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).

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

If you're 21 or over and applying for Jumpstart, or applying for lending benefits only available to tertiary students, you must be enrolled at and provide proof of full time study at a government recognised tertiary institution or a NZQA approved language school. When applying for lending benefits you must have a minimum of 6 months remaining on your course. International students are only eligible to apply for an ANZ Credit Card.