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Everyday accounts

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

Explore your options

go account

Go account

Bank electronically and save on monthly account fees
Monthly account fee $0
Automated transaction feedisclaimer $0
Manual transaction fee per transactiondisclaimer
(cheques and staff-assisted transactions)
ANZ Visa Debit card annual feedisclaimerdisclaimer $10
  • Unlimited free automated transactionsdisclaimer
  • Overdraft available on applicationdisclaimer
  • Joint account option available
Learn moreOpen online
go account

Freedom account

Bank the way you want to with no transaction fees

Monthly account fee
Waived each month you deposit at least $2,500 into your accountdisclaimer

Automated transaction feedisclaimer $0
Manual transaction fee per transactiondisclaimer
(cheques and staff-assisted transactions)
ANZ Visa Debit card annual feedisclaimerdisclaimer $0
Learn moreOpen online
go account

Jumpstart account

For kids, full-time students and anyone under 21
Monthly account fee $0
Automated transaction feedisclaimer $0
Manual transaction fee per transactiondisclaimer
(cheques and staff-assisted transactions)
ANZ Visa Debit card annual feedisclaimerdisclaimer $0

Learn more

Learn more about accounts for kids

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Find out which everyday account is right for you

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Tips and guides

Setting a budget

One of the best ways to take control of your money and plan for your financial future is to work out a budget.

Helping kids learn about money

Teaching kids how money works and encouraging good savings habits will help set them up well for the future.

Saving tips

We've put together some helpful tips to help you make saving part of your daily routine.

Need help?

Help and support 

See all help and support articles

Our eligibility criteria apply. Fees are subject to change. 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 132kB).

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.

ANZ ‘Win 1 of 10 $1,000 Cash Prizes’ Prize Draw Competition Terms and Conditions:

A.    The ANZ ‘Win 1 of 10 $1,000 Cash Prizes’ Prize Draw Competition commences on Friday 16 August 2019 at 12.01am and ends at 11.59pm on Monday 30 September 2019.

B.    Information on how to enter the Prize Draw is set out under these terms and conditions. Entry into the Prize Draw constitutes acceptance of these terms and conditions.

C.    Entry is open to all New Zealand residents, and any person living in New Zealand with a valid visa (there must be at least 6 months remaining on your visa), aged 13 or older who meet the eligibility criteria.

D.   To be eligible to win a Prize you must:

a. Apply for a new ANZ everyday account from one of the following:

ANZ Go, ANZ Freedom, ANZ Jumpstart or an ANZ Select account between 12.01am Friday 16 August 2019 and 11.59pm Monday 30 September 2019; and

b.    Complete all our account opening requirements, including visiting an ANZ branch with a valid form of ID (such as a passport or national ID card) to verify your identity, and a statement with your current address to verify your address once your account has been set up, before 5.00pm Sunday 20 October 2019; and

c.    Not have held an ANZ everyday account including Freedom, Go, Jumpstart, Select, School Plus, Classic, Benefits, Premium, Private Banking Current Account or Agri Personal Current Account at any time between 15 February 2019 and 15 August 2019 (inclusive).

E.    The account may be held individually or jointly, but it cannot be held in trust for another person. For joint accounts – each individual will be eligible for the draw.

F.    Entry is limited to one per person.

G.   Staff, their immediate families and agents of ANZ Bank New Zealand Limited (“ANZ”) and its related companies, are not eligible to enter the Prize Draw.

H.    The ‘Prize’ is one (1) of ten (10) $1,000 cash prizes paid into the winner’s new ANZ account.

I.     The first ten (10) entries drawn that comply with these Terms and Conditions will win a Prize.

J.     The Prize Draw will take place the week commencing 4 November 2019 and the winners will be notified by email or telephone. If three reasonable attempts to contact each of the winners have been made and a winner is still not able to be contacted, the prize will be forfeited and a new winner will be chosen.

K.    ANZ’s decision is final and no correspondence will be entered into. The Prizes are not transferable or exchangeable.

L.    ANZ may change, extend, amend or cancel the competition or these Terms and Conditions at any time.

M.   The information that you provide to enter this competition will be held by ANZ and will be used for the purposes of administering the Prize Draw. You have the right to access and request correction of this information.

N.   ANZ shall not be liable for any loss, or damage, whatsoever (including but not limited to indirect or consequential loss) which is suffered or sustained arising out of or in connection with the Prize Draw, the taking or using of a Prize, or any act or omission (whether negligent or not) of ANZ or any of their associated agencies, except for any liability which cannot be excluded by law.

O.   By claiming a Prize, the winners consent to ANZ making use of their name(s) and/or photograph(s) for publicity purposes as determined by ANZ.

P.    The Promoter is ANZ Bank New Zealand Limited.


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. 

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Manual 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.

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

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The Visa Debit annual card fee of $10 is waived if the card is linked to an ANZ Jumpstart or ANZ Freedom account.

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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.

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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.

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