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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

Open online


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


Want access to extra funds when you need them?

Apply for an ANZ Overdraft

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.


Learn more about ANZ Overdrafts

How to apply

New to ANZ 

Apply for your new account online - it's easy to join us

  1. Apply online - use our simple online form, it takes 5 minutes.
  2. We’ll contact you - we'll arrange a time with you to visit an ANZ branch to confirm your identity.
  3. Visit a branch - we'll confirm your identity and setup your ANZ Internet Banking, goMoney and anything else you need.

Existing customers

Open your new account via ANZ Internet Banking

We will open your ANZ account in the next few days.


Open via Internet Banking

Or open via our online form

Open online

Other ways to apply

Call us on 0800 269 296

6am to 12 midnight (NZDT), 7 days a week.

International: +64 4 470 3142 (toll charges apply).

Or visit a branch

Find an ANZ branch

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 


Learn more

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. 


Learn more


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).

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.

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

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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.

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

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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.

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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. 

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The Visa Debit card annual fee of $10 is waived if the card is linked to an ANZ Jumpstart or ANZ Freedom account.

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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.

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Image criteria and MyPhoto terms and conditions apply.

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