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Everyday accounts

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

Depositor Compensation Scheme

It’s rare for banks and other deposit takers to fail. But if the worst happens, your money could be automatically protected up to $100,000. Find out more about the government’s Depositor Compensation Scheme.

Explore your options

For people who like to do their banking electronically

ANZ Go account

  • $0 monthly account fee
  • $0 automated transaction fee—
  • $3 manual transaction fee per staff-assisted transaction—
  • $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

For full-time students and people under 21

ANZ Jumpstart account

  • $0 monthly fee
  • $0 transaction fees
  • $0 ANZ Visa Debit card annual fee—

 

More about Jumpstart accounts

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

The application process

1. Choose an account

Choose the everyday account that's right for you. Use our online tool to help you decide.

2. Apply or join

Apply for the account of your choice using the ANZ goMoney mobile app or ANZ Internet Banking—, an online form or by calling us.

If you aren’t an ANZ customer, read more about joining ANZ.

3. We'll be in touch

If you’re an existing customer using goMoney or Internet Banking, your account should open automatically. Otherwise, we'll open your account within a few days.

If you're new to ANZ and have joined using goMoney, we may give you a quick call to complete your registration. If you joined using the online form or by calling us, we'll organise a visit to a branch to confirm your identity.

  

Join ANZ the fast way using the goMoney mobile app

Join using the app if you:

  • Are aged 13+, 
  • Live in New Zealand,
  • Have a compatible mobile device,
  • Hold a current New Zealand passport or driver licence, and
  • Want to apply for a Go account (default account for people aged 21+), or you’re aged 13-20 and want a Jumpstart account. 

Note, you’ll need a smartphone or tablet with video capability.

How to join using the app

  1. Download ANZ goMoney New Zealand from your app store.
  2. Select Join as a new customer and follow the step-by-step instructions.
  3. You’ll need to take a photo of your ID, and a selfie video on your phone to confirm your identity.
  4. After we receive your application, we’ll give you a call to complete your registration over the phone.

Eligibility criteria and terms and conditions apply to goMoney. See important information below.

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

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.

* 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).