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ANZ Freedom account

Enjoy no transaction fees and pay no monthly account fee if you meet the minimum monthly deposit.

Benefits

No monthly account fee

Pay no $5 monthly account fee when you deposit at least $2,500 into your account on or before the last business day of the month—. Getting your salary paid into your account can be a great way to help you do this.

No transaction fees

Bank the way you want to, whether online, on your phone, in a branch or using our Contact Centre.

Free Visa Debit card

Enjoy the convenience of making contactless payments, getting cash at ATMs, and shopping online or overseas anywhere Visa is accepted. You must be aged 13+ to apply for an ANZ Visa Debit card.

Easy, convenient banking

With ANZ’s goMoney mobile app—, Apple Pay—, Google Pay™—, Pay to Mobile— and more, you can do all your banking and shopping on your compatible device – so you can keep on moving.

Personalise your Visa Debit card

Stand out from the crowd with an ANZ MyPhoto card. It’s easy, free to create and fun – just choose one of our gallery images or upload your own photo—.

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

Learn more about MyPhoto card

Account fees

Fee

Monthly account fee

 

$5

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

Transaction fees

$0

ANZ Visa Debit card annual fee

 $0

Apply using our online form

Apply online for an ANZ Freedom account

Join ANZ with a Freedom account

Join online, plus a visit to a branch

Apply for a Freedom account using our online form (you must be 13 years or older).

Apply now

Apply by calling us, plus a visit to a branch

During the call, our team will make a time for you to visit a branch to confirm your identity.

Monday to Friday, 8am - 8pm
Saturday and Sunday, 8am - 6pm

From overseas: +64 4 470 3142

How existing customers can apply

Apply using the ANZ goMoney app

If you have goMoney, go to the ‘Apply & Open’ section and follow the easy steps to open a Freedom account.

If you don’t have goMoney yet, you can download it now. Eligibility criteria and terms and conditions apply, see important information below.

Apply online

Apply for a Freedom account using your ANZ Internet Banking or our online form.

Call us

Monday to Friday, 8am - 8pm
Saturday and Sunday, 8am - 6pm

0800 269 296

From overseas: +64 4 470 3142

Bank on the go

With the ANZ goMoney mobile app, you’ve got your banking at your fingertips wherever you are – on the bus, at the beach or at home—.

ANZ goMoney mobile app

Works great with

ANZ 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 Serious Saver account

ANZ Overdraft, extra funds when you need them

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

ANZ Overdraft

ANZ Term Deposits

Grow your savings with an investment that gives you a fixed return, for a term you choose (minimum investment $10,000).

ANZ Term Deposits

We'll help you figure things out

Financial wellbeing

Financial wellbeing means managing your spending, saving and any debts so you can enjoy life today and live well in the future. 

Check out our articles, guides and tools – from starting with microsavings to planning your spend with our budget calculator.

Financial wellbeing

Helping kids learn about money

Teaching kids how money works and encouraging good savings habits will help set them up well for the future.

Helping kids learn about money

Joint bank accounts

A joint bank account is owned and controlled by more than one person. Whether you’re pooling your money for shared bills or saving toward a shared goal, all joint account holders have visibility of the account.

Joint bank accounts

Savings calculators

Reach your savings goal

Calculate how much you may need to save regularly to reach your goal.

Savings goal calculator

Grow your long-term savings

Calculate how much your savings could grow over time.

Long-term savings calculator

Calculate your returns

Calculate how much interest you could earn from a term deposit.

Term deposit calculator

Important information

This is for information purposes only. Please talk to us if you need financial advice about a product or service. See our financial advice provider statement (PDF 39.8KB) for more information.

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 Conditions, Fees and Charges (PDF 166KB), ANZ EFTPOS Card and ANZ Visa Debit Card Conditions of Use (PDF 103KB), and ANZ Electronic Banking Conditions (PDF 138KB).