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).
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 - $3
Applies if we choose to let you make payments or withdrawals 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.
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 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.
Use it anywhere Visa is accepted - online, over the phone, in-store - to access funds from your everyday or savings account.
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
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
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 1.3% 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.
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.
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.