Bank account rates, fees and agreements

* We’ll waive this fee each month you deposit at least $2,500 into the account on or before the last business day of the month. See our general terms and conditions for how we process deposits and cut-off times by channel. 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 fee for an ANZ Visa Debit or ANZ EFTPOS card. You must be 13 years or over to apply for an ANZ Visa Debit card. 

If you hold a Jumpstart account and you’re 18 years or older, you can apply for the following lending products with special 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 a lower minimum loan amount of $1,000 (usually $3,000).

^ 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 – $0
  There is no 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 7% p.a.
• Monthly Overdraft Management fee (for Jumpstart account) – $0 
• Monthly Overdraft Management fee (for other everyday accounts) – $3 

* 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, 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.

** Only available to existing MyPhoto EFTPOS customers

You can make contactless payments using Apple Pay or Google Pay™ with an eligible card and a compatible device.

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.

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 1.3% 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

• 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.