Easy access to your money and interest make an ANZ Online account the perfect place for your savings.

Online is ideal if you want to:

  • earn interest of loading product data(View current rates)
  • access your money whenever you need it, without affecting the interest rate you earn
  • manage your account electronically through ANZ Internet Banking, goMoney and Phone Banking.

Open online


Interest rate

You'll earn the same rate of interest no matter how much you have saved in your account.


Interest rate

Interest 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.


Monthly account fee


Automated and manual deposit fee


Automated withdrawal fee


Manual withdrawal fee


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.

Manual transactions include cheques and transactions handled by our staff for you, including at a branch, by phone, or online. Cheque books not permitted on the ANZ Online account.

Non-standard fees may apply.

With an Online account there’s no minimum balance and no restrictions on the number of withdrawals you can make. You'll earn the full interest rate no matter how you bank.

There’s no monthly account fees and no fees for electronic transactions. There is a $3 fee for manual withdrawals (e.g. at a branch).

Accessing your money

You can transfer money from your Online account to your other ANZ transaction or savings accounts. You can also make payments to other New Zealand bank accounts (for example a bill payment or one-off payment), as well as tax payments.

Making these payments electronically is really easy using ANZ Internet Banking, our goMoney app for iPhone and Android, or Phone Banking, and it also means you won’t pay transaction fees. But you can also access your money through our Contact Centre and branches when you need to, including withdrawing cash.

An Online account is designed for saving, so you won’t be able to make cheque, Eftpos and ATM withdrawals,  automatic payments, and direct debits from your account. However, if you need to make these transactions, we have a great range of everyday banking accounts that you can choose from.

Online statements

You’ll receive your Online account statement each month through Internet Banking, where you can view and print up to seven years of statements. 

If you want to know more about statement options, talk to us today.

Setting up a child's account

Find out more about setting up an account for a child.

Be realistic

Setting a savings goal is important, but make sure it’s within your budget. If you’re a bit too ambitious, you may find yourself dipping into your savings which can mean your plan falls flat.

Pay yourself

Instead of then saving whatever money you have leftover at the end of each week, pay yourself a savings amount after you’ve covered your bills and expenses. This could mean that you might not be able to buy that new pair of shoes, but you’ll be a little closer to that savings goal.

Making your savings automatic

An automatic payment is a regular transfer you can schedule to go from one account to another. An automatic payment to your savings account is a great way to keep on track as it means you can’t forget to save. You can set up your automatic payment for any amount, and to go out at any time (e.g. each time you are paid by your employer).

Remove temptation
You can hide your savings accounts in Internet Banking which makes it much easier to resist the temptation to spend! To do so simply ask us to hide your accounts using Bankmail, at any branch or by calling our contact centre.

What's your next step?

For more information or to apply for an ANZ Online account:

Apply Online
Open an Online account
Start saving today by opening an account online
Call Us
Call 0800 269 296
Visit an ANZ branch
Find your nearest ANZ branch

Overdraft facilities and cheque books are not available on this account.

Fees and interest rates are subject to change. For more information about our fees please refer to the Fees and Charges brochure (PDF 132kB).

A copy of our Reserve Bank Disclosure Statement is available on this website or on request from any ANZ branch, free of charge. This material is for information purposes only. Its content is intended to be of a general nature, does not take into account your financial situation or goals, and is not a personalised financial adviser service under the Financial Advisers Act 2008. It is recommended you seek advice from a financial adviser which takes into account your individual circumstances before you acquire a financial product. If you wish to consult one of ANZ's financial advisers, please contact us on 0800 269 296.

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