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Everyday accounts

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

How to apply


Choose an account

Choose the everyday account that's right for you.


Apply online

Apply for the account of your choice using our online form. It takes approximately 5 minutes.


We'll be in touch

We'll open your account within a few days, if you're an existing customer. If you're new to ANZ, we'll call to organise a visit to a branch to confirm your identity.

Available options

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


Monthly account fee


Automated transaction feedisclaimer


Manual transaction fee per transactiondisclaimer
(staff-assisted transactions)


ANZ Visa Debit card annual feedisclaimer disclaimer waived for the first 12 months for new cards.

  • Unlimited free automated transactionsdisclaimer
  • Overdraft available on applicationdisclaimer
  • Joint account option available

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


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


Transaction feesdisclaimerdisclaimer


ANZ Visa Debit card annual feedisclaimerdisclaimer

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


Monthly account fee


Transaction feesdisclaimer  disclaimer


ANZ Visa Debit card annual feedisclaimer disclaimer

Learn about accounts for kids

Not sure?

Find out which everyday account is right for you, use our online tool to help you decide

Help me choose

ANZ 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.

Find out how

Need help?

Help and support 

See all help and support articles

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

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.


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. 


Manual transactions include 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.


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


The Visa Debit annual card fee will be waived if the card is linked to an ANZ Freedom or ANZ Jumpstart account. It will also be waived for the first 12 months for a new card linked to an ANZ Go account (after 12 months you will be charged an annual card fee of $10). For all other accounts you will be charged an annual card fee of $10.


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.


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.