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Online account

Easy saving with online access anytime.

0.10% p.a.

  • Great for keeping your savings separate from everyday spending money
  • Access your money online whenever you want to
  • Simple and straightforward

Open online

Saving made simple

Earn interest on every dollar

You’ll earn the same rate of interest on every dollar in your account – it doesn’t matter what your balance is or how often you access your money. 

Dip in whenever you like 

Access your money as often as you need to through ANZ goMoney, Internet Banking, Phone Bankingdisclaimerand branches, and still earn the same rate of interest. 

The important numbers

ANZ Freedom Account fees

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

Monthly account fee

$0

Automated and manual deposit feedisclaimerdisclaimer

$0

Automated withdrawal feedisclaimer (one-off electronic payments)

$0

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. 

Find out more

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.

Open online

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
 

Tools and calculators

Find a bank account

Calculate how much your savings could grow over time

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

Help and support 

See all help and support articles

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 100kB), ANZ EFTPOS Card and ANZ Visa Debit Card Conditions of Use (PDF 132kB), and ANZ Electronic Banking Conditions (PDF 94kB).

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.

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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.

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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.

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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.

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