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Freedom account

Bank the way you want to with no transaction fees - great if you want to bank online and in branch.

  • No transaction fees
  • No monthly account fee when you deposit at least $2,500 each monthdisclaimer
  • Visa Debit card with no annual card feedisclaimer

Join ANZ and you could win $5,000

Join ANZ with a Freedom account, and you'll automatically go in the draw to win one of six $5,000 cash prizes.


Bank and pay the way you want to

No transaction fees whether you bank online, on your phone, in a branch, via our Contact Centre, or pay with Apple Paydisclaimer or Google PayTMdisclaimer.

Freedom from fees

Pay no monthly account fee when you deposit at least $2,500 into your account each monthdisclaimer (e.g. have your salary direct credited).

The important numbers

ANZ Freedom Account fees

Monthly account fee


(waived each month you deposit at least $2,500 into your accountdisclaimer)

Transaction feesdisclaimer,disclaimer


ANZ Visa Debit card annual feedisclaimer disclaimer


How to apply

Works great with

ANZ MyPhoto card

A personalised Visa Debit card

Stand out from the crowd with a personalised Visa Debit card. It's easy, free to create and fun - just choose one of our gallery images or upload your own photodisclaimer disclaimer

Serious Saver account

Designed to help you save

Get rewarded with Premium interest and grow your savings faster when you make no withdrawals and deposit at least $20 a month.

ANZ Overdraft

Want access to extra funds when you need them?

With an ANZ Overdraftdisclaimer on your everyday account you can borrow up to your agreed overdraft limit anytime - and you'll only pay interest when you use it.

Lending criteria, terms, conditions and fees apply.

We'll help you figure things out

Help and support 

See all help and support articles

Our eligibility criteria apply. Fees are subject to change. Non-standard fees may apply. Please use the following links for full details of our Terms and ConditionsFees and Charges (PDF 166kB)ANZ EFTPOS Card and ANZ Visa Debit Card Conditions of Use (PDF 103kB), and ANZ Electronic Banking Conditions (PDF 129kB).


ANZ ‘Win $5,000 cash’ Prize Draw Competition Terms and Conditions:

A. The ANZ ‘Win $5,000 cash’ Prize Draw Competition commences on Friday 22 January 2021 at 12.01am and ends at 11.59pm on Friday 30 April 2021.

B. Information on the Prize Draw is set out under these terms and conditions. If you meet the eligibility criteria, you’ll automatically go in to the Prize Draw, and you’re deemed to have accepted these terms and conditions.

C. Entry is open to New Zealand residents and people living in New Zealand with at least 6 months remaining on a valid visa, provided you’re 16 years or older.

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

a. open a new ANZ everyday account between 12.01am Friday 22 January 2021 and 11.59pm Friday 30 April 2021; 

b. not have held (individually, jointly, or as trustee of a trust or partner of a partnership) an ANZ everyday account at any time between 21 July 2020 and 21 January 2021.

E. An ANZ everyday account includes any of the following accounts; Freedom, Go, Jumpstart, Select, Benefits, Premium, Private Banking Current Account, or Agri Personal Current Account.

F.  For an ANZ everyday account to be opened, you must have completed all our account opening requirements. As part of those requirements, you may need to visit an ANZ branch with a valid form of ID (such as a passport or national ID card) and evidence of your address (such as a statement) to verify your identity.

G. The new account opened must be in personal names, individually or jointly, and cannot be in the name of a company, partnership, other entity, or as trustee of a trust. For joint accounts – each individual account owner will be eligible for the draw.

H. Entry is limited to one per person.

I. ANZ Staff are not eligible to enter the Prize Draw.

J. The ‘Prize’ is one (1) of six (6) $5,000 cash prizes, which will be paid into the winner’s new ANZ account. The account must be open when the Prize is drawn.

K. The first six (6) entries drawn that comply with these Terms and Conditions will win a Prize.

L. The Prize Draw will take place the week commencing 10 May 2021 and the winners will be notified by email or telephone. If the winner is under 18 years old, ANZ may choose to contact a parent or guardian with the winner’s consent. If a winner cannot be contacted after three reasonable attempts, the Prize will be forfeited, and a new winner will be chosen.

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

N. ANZ may change, extend, amend, or cancel the competition or these terms and conditions at any time.

O. 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.

P.  To the extent the law allows, ANZ isn’t liable for any loss or damage (including indirect or consequential loss) arising from the Prize Draw, Prize, or ANZ (or agents) acts or omissions.


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.


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


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


Google Pay is a trademark of Google LLC. Terms and conditions apply to Google Pay, see Google Pay for more information.


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.


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. 


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.


Image criteria and MyPhoto terms and conditions apply.


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.