Skip to main contentSkip to log on

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.

Sameer playing cricket

Save with ANZ and be in to win

Make at least three deposits into your ANZ savings account (ANZ Serious Saver or ANZ Online) or three investments into your ANZ PIE Fund – Call Option, and you’ll go in the draw to win a share of $25,000. There are twenty-five $1,000 cash prizes up for grabs.

See prize draw competition terms and conditions.

Eligibility criteria, terms, conditions and fees may apply.

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. Flat interest rate

  • Allows you to dip into your savings from time-to-time.
  • Simple and easy to manage with ANZ Internet Banking and goMoney app—.
  • Free automated withdrawals (e.g. ANZ Internet Banking, or goMoney)—.
More about Online accountsApply online for an Online account

ANZ Term Deposits

An investment with a fixed return.

—% p.a. Special 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

Savings articles

Four digital habits to help you save

Time to read: 2 minutes

Savings tips inspired by the good old days of cash. 

Four digital habits to help you save

Investing vs saving - how to find your fit

Time to read: 2 minutes

Getting comfortable with investing comes down to know-how.

Investing vs saving - how to find your fit

When it comes to saving, teamwork makes the dream work

Time to read: 2 minutes

Superpower your savings as a couple and watch your savings grow. 

When it comes to saving, teamwork makes the dream work

Important information

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 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 129KB).

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.