skip to log on skip to main content
VoiceOver users please use the tab key when navigating expanded menus

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.

Explore your options

Great if you bank electronically and want to save on monthly account fees


Monthly account fee


Automated transaction feedisclaimer


Manual transaction fee per transactiondisclaimer
(cheques and 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

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


Transaction feesdisclaimerdisclaimer


ANZ Visa Debit card annual feedisclaimerdisclaimer

Account for kids, full-time students and anyone under 21


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

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.  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).

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. 

Back to top

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.

Back to top

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

Back to top

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.

Back to top

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.

Back to top

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.

Back to top