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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.

How to apply


Choose an account

Choose the savings account that's right for you.


Apply online

Apply for the account of your choice using our online form. It takes approximately 5 minutes.


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.

Explore your options

Get rewarded with Premium interest and grow your savings faster

Total interest rate

Standard Interest plus
Premium interest


  • Great if you want to build your savings over time.
  • Rewards you with 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.
  • Dip into your savings if you need to and still earn Standard interest (one free withdrawal per month)disclaimer.

Easy saving with online access anytime

Flat interest rate


  • Great if you need to dip into your savings from time-to-time.
  • Simple and easy to manage with ANZ Internet Banking and goMoney appdisclaimer.
  • Free automated withdrawals (e.g. ANZ Internet Banking,  or goMoney)disclaimer.

A straight forward, effective investment with a fixed return

Special interest rate - 240 days
(approximately 8 months)


  • Great if you 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. 

Tools and calculators

Tips and guides

Saving tips

We've put together some helpful tips to help you make saving part of your daily routine.

Ten tips for healthy finances

Here are our top ten tips for helping you stay on top of your money and getting your finances under control.

Need help?

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).

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


Registration is required for ANZ goMoney, ANZ Internet Banking and ANZ Phone Banking. Telephone, mobile operator and internet service provider charges may apply to these services. Eligibility criteria and terms and conditions apply.


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, and Phone Banking. EFTPOS, Visa Debit, ATM and mobile wallet transactions not permitted on the ANZ Online account.