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Stay on top of your money with an ANZ Jumpstart account

Great if you’re under 21 or studying full-time.

Apply online

Eligibility criteria, further details, terms and conditions apply

COVID-19 latest updates

Due to the impact of COVID-19, we have temporarily stopped some non-essential services including account opening for new customers. If you’re an existing customer, you can still open additional accounts. 


No account or transaction fees

Bank the way you want to, when you want, as often as you want with no monthly account or transaction feesdisclaimer

Give your Visa Debit card some personality

Personalise your Visa Debit card with one of our gallery images or your own photodisclaimer using ANZ MyPhoto. It’s free to create, easy and fun.

Pay someone using just their mobile number

You can send money to anyone’s NZ bank account just by using their mobile phone number. It’s easy, just use NZ’s favourite mobile banking app, ANZ goMoney.

Special benefits when you turn 18

Interest-free overdraft

Get access to extra cash if you ever need it. You can apply for an interest-free overdraft of up to $2,000disclaimer. Lending criteria, terms, conditions, and fees apply.

Learn more about ANZ overdrafts

An ANZ credit card

Enjoy the convenience of an ANZ credit card. Plus, if you’re studying full-time you can apply for an ANZ credit card with no annual card fee for the first year (limit one per customer). Lending criteria, terms, conditions, and fees apply.

Learn more about ANZ credit cards

An ANZ Personal Loan

A Personal Loan can be an effective way to get the things you need. You can apply for a Personal Loan of $1,000 or more. Plus, if you’re studying full-time you’ll pay no application fee for new and top up loans (saving you $115). Lending criteria, terms, conditions, and fees apply.

Learn more about ANZ Personal Loans

Great reasons to join us

Pay with your smartphone

Pay at thousands of stores with Apple Paydisclaimer or Google Paydisclaimer. It's simple to set up in the ANZ goMoney app and easy to use.

Book a free A-Z Review

An A-Z Review is a one-on-one discussion with an ANZ Personal Banker to check you’re making the most of your money.

Easy, convenient banking

With ANZ’s goMoney appdisclaimer, you can bank anywhere, anytime on your compatible device.

It's easy to join


Apply for an account

Apply for a Jumpstart account and a Visa Debit card.

Apply online

It only takes 5 minutes using our simple online form.


We'll contact you

Before opening your account, we'll contact you to set up a time to visit an ANZ branch and confirm your identity.


Visit a branch

We'll verify your identity in branch, and set up your ANZ Internet Banking, ANZ goMoney and anything else you need.

Find an ANZ branch

If you're 21 or over and applying for Jumpstart, you must be enrolled at and provide proof of full-time study at a government recognised tertiary institution or a NZQA approved language school, and must have a minimum of 6 months remaining on your course

Our eligibility criteria apply. Non-standard fees may apply, including currency conversion for overseas transactions. Please use the following links for full details of our Terms and Conditions and Fees and Charges (PDF 166kB).

Automated transactions (EFTPOS, Visa Debit, ATM, and mobile wallet transactions, as well as all electronic payments and other transactions made using ANZ Internet Banking, goMoney, Phone Banking, and ANZ Direct Online) and manual transactions (deposits received through ANZ Fast Deposit Boxes, cheques and transactions handled by our staff for you, including at a branch, by phone, or online) are free. Balances and basic account enquiries at a branch are also free.

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

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The Visa Debit annual card fee of $10 is waived if the card is linked to an ANZ Jumpstart or ANZ Freedom account.

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Image criteria and MyPhoto terms and conditions apply.

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Student allowance/government loan and/or other income must be direct credited to an ANZ account.

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Apple, the Apple logo, Touch ID, iPhone and Apple Watch are trademarks of Apple Inc., registered in the U.S. and other countries. Apple Pay is a trademark of Apple Inc.

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Terms and conditions apply to Google Pay, see Google Pay for more information. Google Pay is a trademark of Google LLC.

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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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