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
  • $0 ANZ Visa Debit card annual fee
  • 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

The application process

Join ANZ using the goMoney mobile app

You won't need to visit a branch - how easy is that!

Join using the app if you:

  • Are aged 18+, 
  • Live in New Zealand,
  • 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 18-20 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 ’Not a customer? Join ANZ’ 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 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.