Keep your bank account running smoothly with ANZ Freedom – it gives you the flexibility to choose how and when you want to bank.

Freedom is ideal if you:

  • Want to access your account through a range of channels, including our branches and call centre
  • Make lots of transactions each month
  • Deposit $2,500 into your account each month (you'll pay no monthly account fee)
  • Want a Visa Debit card?* No annual card fee with Freedom.

Open online



Monthly account fee
$5 (waived each month that you deposit at least $2,500 into your account)#
Automated transaction fee
Manual transaction fee

Manual transactions include cheques and transactions handled by our staff for you, including at a branch, by phone, or online.
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, and Phone Banking.


An overdraft is a simple way to make sure you've always got access to extra funds if you need them. And unlike a loan, there are no minimum monthly repayments, so you always have control. It's the ideal safety net for your account.

If you have an ANZ Overdraft## on your Freedom account the following fee and interest rate applies.

Monthly Overdraft Management fee
Consumer Overdraft Base Rate
Interest Rate~
loading product data(View current rates)

~The interest rate for a personal overdraft is made up of the Consumer Overdraft Base Rate plus a margin.
Margin is based on ANZ's lending and eligibility criteria and will be advised on application. Please see our rates, fees and agreements section, call 0800 269 296 or visit any ANZ branch for further information.

Freedom is your passport to banking the way you want. Better still, you could do so without paying fees.

Bank the way you want

Freedom puts you in control. You can access your account anytime, anywhere and anyway you like.

  • Register for Internet Banking and goMoney to get the most from Freedom – they are the easiest way to bank on-the-go.
  • Rest assured you can also bank through our other ways-to-bank including Visa Debit, Eftpos, ANZ branches and our Call Centre.

Avoid bank fees

With Freedom you’ll pay no transaction fees, regardless of how many transactions you make or how you make them (non-standard fees may apply). Plus, we’ll waive the monthly account fee (normally $5) each month you deposit a total of $2,500 or more into your account.

Tip: Having your salary paid into your Freedom account is the easiest way to help make sure you enjoy avoiding fees.

Online statements

You’ll receive your Freedom statement online each month through Internet Banking, where you can view and print up to seven years of statements.

If you’d prefer to receive paper statements, talk to us today on 
0800 269 296.

Get a Freedom account and you can also get a Visa Debit card absolutely free!

Visa Debit card

An ANZ Visa Debit card is like an EFTPOS card, only better as you can use it anywhere Visa is accepted – online, over the phone, overseas and in stores. Better still, if you link an ANZ Visa Debit card to your Freedom account, you won't pay an annual card fee (saving you $10 p.a.).

Enjoy the convenience of contactless and mobile payments – simply  tap your Visa Debit card on a contactless terminal, or add your card to Apple Pay+ or goMoney Wallet++ on your compatible device and use it anywhere you can tap and pay.

Find out more about ANZ Visa Debit

MyPhoto card

Personalise your ANZ Visa Debit card. With MyPhoto card^ you can select the image of your choice for the front of your ANZ Visa Debit card at no extra charge.

Find out more about MyPhoto card or start designing your card now.

What's your next step?

Apply Online
Open a Freedom account
Keep your money running smoothly by opening an account online today.
Call Us
Call 0800 269 296
Visit an ANZ branch
Find your nearest ANZ branch

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

** Fees are subject to change. Non-standard fees may apply.  Please use the following links for full details of our Terms & Conditions and Fees & Charges.

# 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.

## ANZ lending criteria and Overdraft Management fees apply to overdrafts.

^ Image criteria apply.

+ Terms and conditions apply to Apple Pay, see our Apple Pay website for more information. Apple Pay is a trademark of Apple Inc., registered in the U.S and other countries. 

++ Android™ and Google Play are registered trademarks of Google Inc. ANZ goMoney Wallet eligibility criteria, terms and conditions apply. ANZ goMoney Wallet is available on selected Android smartphones. See our goMoney Wallet website for more information.

A copy of our Reserve Bank Disclosure Statement is available on this website or on request from any ANZ branch, free of charge. This material is for information purposes only. Its content is intended to be of a general nature, does not take into account your financial situation or goals, and is not a personalised financial adviser service under the Financial Advisers Act 2008. It is recommended you seek advice from a financial adviser which takes into account your individual circumstances before you acquire a financial product. If you wish to consult one of ANZ's financial advisers, please contact us on  0800 269 296

You need Adobe Reader to view PDF files. You can download Adobe Reader free of charge.