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An account that earns credit interest when you have a balance of $5,000 or more.

  • No transaction fees
  • No monthly account fee if your average monthly balance is $5,000 or more
  • Credit interest is paid on balances of $5,000 or more

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Earn credit interest

When you have a balance of $5,000 or more you'll earn credit interest.

Bank the way you want to

Pay no transaction fees whether you bank online, on your phone, in a branch or via our Contact Centre.

Save on fees

Pay no transaction fees, and if you keep an average monthly balance of $5,000 or more you’ll pay no monthly account fee either.

The important numbers

Interest rates

$0.00 - $4,999.99   
$5,000.00+    on entire balance

Monthly account fee


(waived if you keep an average monthly balance of $5,000 or more)

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How to apply

We'll help you figure things out

Tips and guides

Savings tips

Setting a budget

Helping kids learn about money

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).

This material is for information purposes only. We recommend seeking financial advice about your situation and goals before getting a financial product. To talk to one of our team at ANZ, please call 0800 269 296, or for more information about ANZ’s financial advice service or to view our financial advice provider disclosure statement see

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.