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Ready saver account

A simple, straightforward savings account. 

  • Access your money anytime, any way you like
  • No monthly account fee if your average monthly balance is $500 or more

Open online

A straightforward, flexible way to save

Flat rate of interest

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

Access your money any way you want to

You can make deposits and withdrawals from your Ready Saver account any way you like, such as using your ANZ Visa Debit carddisclaimer, ANZ Internet Bankingdisclaimer, or via our contact centre and at any ANZ branch.

The important numbers

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

Monthly account fee


(waived if your average monthly balance
is $500 or more)

Automated and manual deposit fee


Automated and manual withdrawal feedisclaimerdisclaimer


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 (NZDT), 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

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

Must be 13 years or over to apply for an ANZ Visa Debit card.

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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 for the ANZ Ready Saver 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.

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

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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. 

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