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Savings accounts

Whether you're saving for your future or you have a special goal in mind, we've got an account to suit you.

Depositor Compensation Scheme

It’s rare for banks and other deposit takers to fail. But if the worst happens, your money could be automatically protected up to $100,000. Find out more about the government’s Depositor Compensation Scheme.

Explore your options

ANZ Serious Saver account

Earn Premium interest and your savings could grow more.

—% p.a. Total interest rate

—% p.a. Standard interest plus
—% p.a. Premium interest

  • Allows you to build your savings over time.
  • Earn Premium interest if you make no withdrawals and deposit $20 or more (not including credit interest) on or before the last business day of the month.
  • Allows access to your savings if you need to and still earn Standard interest (one free withdrawal per month).
More about Serious Saver accountsApply online for a Serious Saver account

ANZ Online account

Savings with online access anytime.

—% p.a. Interest rate

  • Allows you to dip into your savings from time to time.
  • Simple and easy to manage with the ANZ goMoney mobile app and Internet Banking—.
  • No fee for electronic payments (e.g. goMoney or Internet Banking)—.
  • Earn interest on every dollar in your account. 
  • No monthly minimum deposit.
More about Online accountsApply online for an Online account

ANZ Term Deposits

An investment with a fixed return.

—% p.a. Interest rate - 240 days (approximately 8 months)

  • Requires you to have $10,000 or more to invest. 
  • You choose how long to invest, from 30 days to five years. 
  • No surprises – you know exactly what your return will be. 
More about Term DepositsApply online for a Term Deposit

How to apply

1. Choose an account

Choose the savings account that's right for you.

2. Apply online

Apply for the account of your choice using our online form. It takes approximately five minutes.

3. We'll be in touch

We'll open your account within a few days, if you're an existing customer. If you're new to ANZ, we'll call to organise a visit to a branch to confirm your identity.

Tools and calculators

Which account is right for you?

Use our online tool to help you decide.

Find an account

Grow your long-term savings

Calculate how much your savings could grow over time.

Long-term savings calculator

Reach your savings goal

Calculate how much you may need to save regularly to reach your goal.

Savings goal calculator

Popular saving habits articles

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How compound interest works

Compound interest might not be widely understood, but it can be powerful when it comes to planning for your future – especially if you start early.
How compound interest works

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Five ideas for your financial wellbeing WOF check

Set aside 30 minutes to put your money under the spotlight. There’s no pass or fail, just five easy steps that could help your finances run smoothly.
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How to build a saver mindset

Want to grow that account balance? Your mental approach is key. Saving is less about putting aside large chunks of money and more about attitude.
Build a saver mindset

Your money future

Save for the future you want

How do you save for a house deposit while also saving for your retirement? And how much do you need? The key is starting early and being consistent.
Save for future you

Saving habits

Three digital habits to help you save

Adapting traditional ways of savings to suit a digital and cashless world can make a big difference over time – to your money habits and your bank balance.
Digital habits to help you save

Saving habits

Save a $2k cash cushion

A financial reserve or emergency fund helps when the unexpected happens. Here are some ideas to kick off or build your buffer.
Save a cash cushion

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Five ways to save without sacrificing the things you love

Saving – the key is having a realistic plan. Here are five ways to reduce spending and help save more money, without giving up things that are important to you.
Save without sacrifice

Saving habits

Investing vs saving – find your fit

Investing can sound scary, which is a shame, as you could be missing out on your cash work harder for you. To help demystify investments, here's a quick 101.
Investing vs saving

Saving habits

How compound interest works

Compound interest might not be widely understood, but it can be powerful when it comes to planning for your future – especially if you start early.
How compound interest works

Spend carefully

Five ideas for your financial wellbeing WOF check

Set aside 30 minutes to put your money under the spotlight. There’s no pass or fail, just five easy steps that could help your finances run smoothly.
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Important information

Our eligibility criteria apply. Fees and interest rates are subject to change. Non-standard fees may apply. Please see our Terms and Conditions, Fees and Charges (PDF 166KB), ANZ EFTPOS Card and ANZ Visa Debit Card Conditions of Use (PDF 103KB), and ANZ Electronic Banking Conditions (PDF 138KB).

This material is for information purposes only. Please talk to us if you need 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. See our financial advice provider statement (PDF 39.8KB).