Accounts for kids

Accounts to help kids learn about saving and managing their money.


  • No monthly account fees.
  • Simple and straightforward.
  • Free EFTPOS card (if 7 or over, with parental permission), or a Visa Debit card (if 13 or over) with no annual card fee when linked to a Jumpstart account.

ANZ Serious Saver account

A savings account to help kids learn how to save and watch their savings grow over time.

  • Allows you to build savings over time.
  • Allows kids to earn Premium interest if they make no withdrawals and deposit $20 or more (not including credit interest) on or before the last business day of the month.
  • Kids can access their savings if they need to and still earn Standard interest (one free withdrawal per month).

Account rates and fees

Rate or fee

Total interest rate

% p.a.

% p.a. Standard rate + % p.a. Premium interest

Monthly account fee


Automated and manual withdrawal fee,


First withdrawal in a month is free, $5 per month for two or more withdrawals

Automated and manual deposit fee, 


There are two ways to set up an account for a child

Helping kids learn about money

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

How to open accounts for a child

If you’d like more information or would like to open an account for a child,  call us or talk to us today in any branch.

From overseas: +64 4 470 3142

How a child can access their account if it's in their own name

Looking for an account for students and under 21s?

We'll help you figure things out

Important information

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.

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.