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Serious Saver account

Earn Premium interest and you could grow your savings when you make no withdrawals and deposit at least $20 a month.

  • Up to
  • Offers flexibility
  • Access your savings if you need to and still earn Standard interest for that month

Open online

Product features

Earn Premium interest

Earn Premium interest if you make no withdrawals and deposit $20 or more (not including credit interest) on or before the last business day of the month


Access your money if you need to

You can make one withdrawal per month for no fee (a fee of $5 per month applies for two or more withdrawals). To earn Premium interest for the month you need to make no withdrawals.


Simple and easy to use

Setting up an automatic payment for $20 or more to be made at least a week before the end of each month, will earn you premium interest if you haven’t made any withdrawals in that month.

The important numbers

Interest rates

Standard interest rate

Calculated daily and paid on the last business day of the month.

Premium interest rate


Calculated on your average balance for the month, and paid on the last business day of the month.

Total interest rate



disclaimerANZ Freedom Account fees

Monthly account fee


Automated and manual withdrawal fee disclaimerdisclaimer

(Electronic payments and staff-assisted transactions)

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

Automated and manual deposit fee


Use our savings calculators 

Whatever you’re saving for, use our calculators to see how much you may need to regularly save to reach your goal or how much your savings could grow over time.

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 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

Other account options

Term Deposit

High interest
Grow your savings with an investment that gives you a fixed return, for a term you choose (minimum investment $10,000).

Go account

Allows everyday banking electronically
An everyday account with no monthly account fee and no transaction fees when you do your banking electronically. Plus, the Visa Debit annual card fee will be waived for the first 12 months for new cards (normally $10 p.a.).

We'll help you figure things out

Help and support 

See all help and support articles

This material is for information purposes only. We recommend seeking financial advice about your situation and goals before getting a financial product. To talk to one of our team at ANZ, please call 0800 269 296, or for more information about ANZ’s financial advice service or to view our financial advice provider disclosure statement see

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 166kB), and ANZ EFTPOS Card and ANZ Visa Debit Card Conditions of Use (PDF 103kB).

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 Serious Saver account.


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