Saving for something special?

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You could earn total interest of loading product data(View current rates) each month if you:

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Deposit $20 or more
on or before the last 
business day of the month


Make no withdrawals

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Interest rates 

Serious Saver rewards you with Premium interest each month when you:

  • make no withdrawals; and
  • deposit $20 or more (not including credit interest) on or before the last business day of the month.

Standard rate

Interest is calculated daily and paid on the last business day of the month.

Premium rate

Interest is calculated on your average balance for the month. It is then paid on the last business day of the month.

If you make a withdrawal or deposit less than $20, you’ll still earn Standard interest.

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 and manual withdrawal fee
First withdrawal in a month is free, $5 per month for two or more withdrawals

Remember, to earn Premium interest you need to make no withdrawals and deposit $20 or more (not including credit interest) on or before the last business day of the 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.

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 ANZ Serious Saver.

Non-standard fees may apply.

If you need to, you can access your Serious Saver account anytime and anywhere. But remember, Serious Saver is designed to encourage saving – so if you make a withdrawal you won’t earn Premium interest for that month.

It's also a great idea to set up an automatic payment of $20 or more into your Serious Saver account at least a week before the end of each month.  This will help make sure you earn Premium interest.

Online statements

You’ll receive your Serious Saver statement online 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.

Make your savings automatic

An automatic payment is a regular transfer you can schedule to go from one account to another. Setting up 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 choose to have your automatic payment set at 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 Serious 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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