Freedom Account

Fees^**

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.

Overdrafts

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.

Consumer Overdraft Base Rate

Interest Rate^~
(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.