A simple savings account that gives you access to your money however you want, whenever you want.

Ready Saver is ideal if you want:

  • to make withdrawals regularly
  • a straightforward, easy to use account.

Open online


Interest rate

Earn interest on every dollar.


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
$2 (waived if your average daily balance for the month is over $500)
Automated and manual deposit fee
Automated and 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 Ready Saver account.

Non-standard fees may apply.

Ready Saver gives you full access to your money and the ability to earn interest. You can make deposits and withdrawals from your account any way you want, and you’ll still earn interest.

To get the most from your account, you should keep your average daily balance for the month above $500, so you won't pay the monthly account fee.

Accessing your money

Ready Saver makes it really easy to access your money. You can withdraw your money in any way you please, including branches and our Contact Centre, as well as ANZ Internet Banking, goMoney and Phone Banking.

You can even access your money using Visa Debit, Eftpos and ATMs – in fact the only thing you can’t have is a cheque book.

Online statements

You’ll receive your Ready Saver statement online 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?

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

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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