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Great if you want to earn interest from your everyday account and can keep an average monthly balance of $5,000 or more. 

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

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Earn interest on every dollar

Maintain an average balance of $5,000 or more each month and you'll earn interest on every dollar in your account. 

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   

Monthly account fee


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

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ANZ Visa Debit card annual feedisclaimer



How to apply

New to ANZ 

Apply for your new account online - it's easy to join us

  1. Apply online - use our simple online form, it takes 5 minutes.
  2. We’ll contact you - we'll arrange a time with you to visit an ANZ branch to confirm your identity.
  3. Visit a branch - we'll confirm your identity and setup your ANZ Internet Banking, goMoney and anything else you need.

Existing customers

Open your new account via ANZ Internet Banking

We will open your ANZ account in the next few days.

Open via Internet Banking

Or open via our online form

Open online 

Other ways to apply

Call us on 0800 269 296

6am to 12 midnight (NZDT), 7 days a week.

International: +64 4 470 3142 (toll charges apply).

Or visit a branch

Find an ANZ branch

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).

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. 

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Manual transactions include cheques and 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.

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

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