skip to log on skip to main content
VoiceOver users please use the tab key when navigating expanded menus
Find ANZ Contact

Bank account rates, fees and agreements

Rates

The following information is current from  and is subject to change.

Serious saver interest rates
Amount $0.00 +
Standard rate
Premium rate
Total

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

Select account interest rates
Amount Interest rate
$0.00 - $4,999.99
$5,000.00 +  on entire balance

Online account interest rates
Amount $0.00 +
Interest rate

Private current account interest rates
Amount $0.00 +
Interest rate

Private reserve account interest rates
Amount $0.00 +
Interest rate

PIE fund - call option interest rates
Amount $0.00 +
Interest rate

The interest rate is subject to change. Minimum balance of $500. The return is calculated daily and is allocated quarterly (in the form of additional units). The additional units are added to your PIE Fund account calendar quarterly (March, June, September and December).

A copy of the ANZ PIE Fund Information Brochure and Terms and Conditions is available from any ANZ branch, or by calling 0800 269 296.

Our Reserve Bank Disclosure Statement is available on this website or on request from any ANZ branch.

Account opening and eligibility criteria, terms, conditions and fees apply.

Fees

Account Monthly Account Fee Automated Transaction Fee Manual Transaction Fee

ANZ Freedom account

Enjoy the freedom to bank the way you want to.

 $5* $0 $0

ANZ Go account

Avoid monthly account and transaction fees when you bank electronically.

 $0  

 $0

 $3 per transaction

ANZ Select account

An interest-bearing account when you have a balance of $5,000 or more.

 $6** $0

 $0

ANZ Jumpstart account

If you’re under 21 or studying full-time^, enjoy no monthly account or transaction fees. You can also apply for some special lending benefits (see below).

 $0

 $0

 $0

 

* We’ll waive this fee each month you deposit at least $2,500 into the account. Deposits exclude transfers made between your ANZ accounts.

** We’ll waive this fee if your average monthly balance is $5,000 or more.

You can access any of these accounts using an ANZ Visa Debit or ANZ EFTPOS card. There is no annual card fee for an ANZ EFTPOS card. You must be 13 years or over to apply for an ANZ Visa Debit card. The annual card fee for an ANZ Visa Debit card is $10. We will waive the annual card fee if the card is linked to an ANZ Freedom account or ANZ Jumpstart account. It will also be waived for the first 12 months for a new card linked to a Go account (after 12 months you will be charged an annual card fee of $10).

Jumpstart account - lending pricing benefits

If you hold a Jumpstart account and you’re 18 years or older, you can apply for the following lending products with special pricing benefits. ANZ lending and eligibility criteria, terms, conditions and fees apply to all overdrafts, credit cards and personal loans. International students are only eligible to apply for an ANZ credit card.

  • Overdraft - Interest-free overdraft on application (up to $2,000), with no monthly Overdraft Management fee.
  • Credit Card - If you’re in full-time study^ you can apply for any new ANZ credit card and get a one year annual card fee waiver (limit one per customer).
  • Personal Loan - If you’re in full-time study^ you can apply for a personal loan with no application fee and no top-up fees.

^ You must be enrolled at and provide proof of full-time study at a government recognised tertiary institution or a NZQA approved language school. When applying for lending benefits you must have a minimum of 6 months remaining on your course. International students are only eligible to apply for an ANZ credit card.

  • Overdraft application fee -  $25
    We charge this fee for new overdraft applications and applications to increase existing limits.
  • Unarranged overdraft fee -  $5
    Applies if we choose to let you make payments or withdrawals or we pay any cheques or take any fees or charges, when you don’t have enough money in your account. We’re lending you money you don’t have and you must repay that money as soon as possible or when we ask. We charge the fee each month if you exceed your approved overdraft limit, or your account becomes overdrawn, by more than $10, for more than one day. This is charged in addition to excess interest.

    If you don’t have an arranged overdraft limit or you exceed your approved overdraft limit, you will be charged excess interest on the amount you have exceeded your overdraft limit by. The Excess Interest Rate is our Consumer Overdraft Base Rate plus a margin of 15.00% p.a.
  • Monthly Overdraft Management fee (for Jumpstart account) - $0  
  • Monthly Overdraft Management fee (for other everyday accounts) - $3  

Account Monthly Account Fee Automated & Manual Deposit Fee Automated & Manual Withdrawal Fee

Get rewarded with Premium interest and grow your savings faster.

 $0

 $0

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

Easy saving with online access anytime.

 $0 $0

Automated withdrawal - $0

Manual withdrawal - $3 per transaction

 

* 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.

Key to account transaction charges

  • 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, Phone Banking, and ANZ Direct Online.
  • Manual transactions - include cheques and transactions handled by our staff for you, including at a branch, by phone, or online. Balances and basic account enquiries at a branch are free. We process any deposits received through ANZ Fast Deposit Boxes as staff-assisted, manual transactions.

Our account opening and eligibility criteria apply.

Card type Primary card fee Replacement card fee MyPhoto card Urgent card delivery

ANZ EFTPOS

Access funds from your everyday and
savings accounts.

 $0 $10 No charge** Courier fee (domestic and international)

ANZ Visa Debit

Use it anywhere Visa is accepted - online, over the phone, in-store - to access funds from your everyday or savings account.

 $10 p.a.* $10 No charge

Courier fee (domestic and international)

 

* No charge when linked to an ANZ Freedom or ANZ Jumpstart account. For new Visa Debit cards linked to an ANZ Go account, the annual card fee will be waived for the first 12 months.
** Only available to existing MyPhoto EFTPOS customers

You can make contactless payments using an eligible card and a compatible:

Any fees and charges we charge for your physical ANZ cards and ANZ accounts will also apply if you use a mobile wallet and wallet cards, including for overseas use. ANZ will not charge you any additional fees solely for setting up a wallet card in New Zealand.

Your mobile service provider may charge for downloading, updating and using a mobile wallet.

Your mobile service provider may charge additional fees to access the internet on your mobile device overseas. You’re responsible for any fees your mobile service provider charges you.

If you have concerns about a fee you’ve been charged by your mobile service provider, you should speak with them directly. For more information about mobile wallets, see the

Also available at any ANZ branch free of charge. 

  • ANZ and non-ANZ ATM fee - No charge
    Transaction fees may apply.
  • Overseas ATM fee - No charge
    Banks and other financial institutions who own overseas ATMs may charge a fee for using them. Currency conversion charges of 1.8% of the NZD amount also apply to foreign transactions.
  • ATM owner fee - $3
    We charge an ATM owner fee to customers of other overseas banks and financial institutions when withdrawing cash. This fee does not apply to ANZ customers. The fee also does not apply to customers using another New Zealand bank/financial institution’s card in our ATMs.

Non-ANZ overseas branch fee - not set by ANZ

Banks and other financial institutions who own branches overseas may charge a fee for using them. Currency conversion charges of 1.8% of the NZD amount also apply to foreign transactions.

Set up fee

  • Via staff in branch, over telephone or Bank Mail - $5
  • Through ANZ Phone Banking, ANZ goMoney and ANZ Internet Banking - No charge

Changes to payments fee

  • Via staff in branch, over telephone or Bank Mail - $5
  • Through ANZ Phone Banking, ANZ goMoney and ANZ Internet Banking - No charge

We don’t charge to delete an Automatic Payment, Bill Payment or Online Payment.

  • Same day cleared payment fee (SCP) - $25

  • Other Bank Deposit fee - $15

Applies to deposits into an account at another bank, which is handled by our staff at a branch or by phone. For deposits into Business Accounts, cash handling and cheque clearance fees may apply.

  • OnlineCode - no charge

  • Phone Banking calls - no charge

If calling from overseas, standard international call charges apply.

  • ANZ goMoney - no charge

There are no ANZ goMoney service fees. Standard mobile phone charges apply, depending on your mobile phone provider plan. If you have ANZ goMoney, you pay the data download rate for your mobile phone plan.

Bank account service charges - Miscellaneous

  • Customer service investigation fee - $60 per hour (minimum $15)

  • Non-commercial customers fee - $5
  • Commercial customers fee - $20

Retail and Business Banking customers

  • Retail and Business Banking customers fee - $65^

Commercial customers

  Standard fee^ Less than 48 hour fee^^

1-5 accounts

 $65 $130
6-10 accounts $100 $200
11-15 accounts $150 $300
16-20 accounts $200 $400
21+ accounts $300 $600

* We charge this fee if you give us less than 48 hours notice of needing an Auditor’s Confirmation Report.
^ The fee must be debited from an applicable ANZ transactional account.

  • Credit retrieval fee* - $25
    There is no charge for additional transactions sent in the same request.

* A credit retrieval fee may be charged when assisting a customer (on a best endeavours basis) to recover funds incorrectly paid to a third party’s account. This fee applies irrespective of whether the funds are successfully recovered from the recipient of the payment.

Agreements

For more information

Need help?

Help and support 

See all help and support articles