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Online account

Saving with online access anytime.

  • Allows you to keep your savings separate from everyday spending money
  • Access your money online whenever you want to
  • Simple and straightforward

Open online

Saving made simple

Flat rate of interest

With a flat rate of interest it doesn't matter how often you access your money.


Easy online access

Access your money as often as you need to through ANZ goMoney, Internet Banking, Phone Bankingdisclaimer and branches.

The important numbers

ANZ Freedom Account fees

Interest rate (applies to every dollar in your account)disclaimer

Monthly account fee


Automated and manual deposit feedisclaimerdisclaimer


Automated withdrawal feedisclaimer (one-off electronic payments)


Manual withdrawal feedisclaimer (staff-assisted transactions)

$3 per transaction

Another option

ANZ PIE Fund - Call option

If you have a 30% or 33% income tax rate and a minimum $500 deposit, consider an ANZ PIE Fund - Call Option. It works like a savings account but could give you a higher after tax return. 

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 (NZT), 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

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

Eligibility criteria and terms and conditions apply to ANZ Internet Banking, ANZ goMoney, ANZ Phone Banking and Pay to Mobile. See our Electronic Banking Conditions (PDF 129KB) for more information.


Interest for the ANZ Online account is calculated daily and paid on the last business day of each month. Interest for non-business days is calculated based on the balance as at the previous business day. All interest accrued is rounded to the nearest cent before payment. If interest accrued in a month is less than $0.005 (half a cent), it will be rounded to $0 and means you will receive no interest for that month.


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.


Manual transactions include and transactions handled by our staff for you, including at a branch, by phone, or online.