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Jumpstart account for students and under 21s

The account that could help you stay on top of your money if you’re under 21 or studying full-time.

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No account or transaction fees

Bank the way you want to, when you want, as often as you want with no monthly account or transaction feesdisclaimerdisclaimer

Easy, convenient banking

With ANZ’s goMoney mobile appdisclaimer, Apple Paydisclaimer, Pay to Mobiledisclaimer and more, you can do all your banking and shopping on your smartphone - 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 photodisclaimerdisclaimer - plus you’ll pay no annual card fee.

Learn more about MyPhoto Card

More benefits when you turn 18

Interest-free overdraft

Get access to extra cash if you ever need it. You can apply for an interest-free overdraft of up to $2,000disclaimer. Lending criteria, terms, conditions, and fees apply.

Learn more about ANZ overdrafts

An ANZ credit card

Enjoy the convenience of an ANZ credit card. Plus, if you’re studying full-time you can apply for an ANZ credit card with no annual card fee for the first year (limit one per customer). Lending criteria, terms, conditions, and fees apply.

Learn more about ANZ credit cards

An ANZ Personal Loan

A Personal Loan could be a way to get the things you need. You can apply for a Personal Loan of $1,000 or more. Plus, if you’re studying full-time you’ll pay no application fee for new and top up loans (saving you $115). Lending criteria, terms, conditions, and fees apply.

Learn more about ANZ Personal Loans


Are you 21 or over and studying?

You'll just need to provide us with proof you are studying full-time so you can enjoy the benefits of Jumpstart until you finish.

The important numbers

ANZ Freedom Account fees

Monthly account fee


Transaction feesdisclaimer,disclaimer


ANZ Visa Debit card annual feedisclaimer disclaimer


(when linked to an ANZ Freedom or ANZ Jumpstart account.
And, for the first 12 months for new Visa Debit cards linked to an ANZ Go account)


How to apply

An option for saving too

ANZ Serious Saver

Earns Premium interest – allows you access to your money if you need to.

Tips and guides

Ten tips for healthy finances

Here are our top ten tips for helping you stay on top of your money. 

Learn more

Setting a budget 

One of the best ways to take control of your money and plan for your ­financial future is to work out a budget. 

Learn more

Saving tips 

We've put together some helpful tips to help you make savings part of your daily routine. 

Learn more

We'll help you figure things out

Help and support 

See all help and support articles


Our eligibility criteria apply. Fees and interest rates 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).

If you're 21 or over and applying for Jumpstart, or applying for lending benefits only available to tertiary students, you must be enrolled at and provide proof of full time study at a government recognised tertiary institution or a NZQA approved language school. When applying for lending benefits you must have a minimum of 6 months remaining on your course. International students are only eligible to apply for an ANZ Credit Card.

Our financial advice provider statement has some important information you should know about ANZ and our financial advice services. Please take the time to read it.

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. 


Manual transactions include 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.


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


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.


Registration is required for ANZ goMoney, ANZ Internet Banking and ANZ Phone Banking. Telephone, mobile operator and internet service provider charges may apply to these services. Eligibility criteria and terms and conditions apply.


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.


Terms and Conditions apply to Voice ID and Pay to Mobile. See our Electronic Banking Conditions (PDF 129kB) for more information.


There are some restrictions around which image you may upload if you don't choose one of our gallery images. See our full Image Criteria.


Student allowance/government loan and/or other income must be direct credited to an ANZ account.