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Find ANZ Support Centre

ANZ Online Saver

Earn interest and you could hit your savings target sooner with ANZ Online Saver. It’s the online savings account that could help you get ahead.disclaimer

  • Bonus interest for the first 3 monthsdisclaimer
  • No minimum balance
  • No monthly account service fee 

Apply online

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Already decided? Let's get your application started.

Apply online

Bonus interest

The interest you could earn for the first 3 months.disclaimer

Total rate*

*Standard variable rate  + bonus interest % p.a.

To qualify for bonus interest:

  • Open your first ANZ Online Saver accountdisclaimer
  • That’s it.
  • No really, that’s it!

What happens after the bonus interest period ends?

You’ll still get the base rate of interest of  (Standard variable rate subject to change)

Fees

fees

Service

Fee

Monthly account service Fee

$0

Internet Banking Transactions Fee

$0

Electronic Transactions Fee

$0

For details about fees see ANZ Personal Banking Account Fees and Charges (PDF).

Looking for concession everyday accounts with no monthly account service fee?

If you hold a concession card, or are receiving Government benefits, you may be eligible for one of ANZ’s concession everyday bank accounts. Have a look at ANZ Access Basic and ANZ Pensioner Advantage.

Features and benefits

An online savings account which lets you earn interest and move your money in and out of a linked eligible ANZ bank account at any time.disclaimer

  • Access your savings online anytimedisclaimer
  • No monthly account service fees
  • Bill payment options

Progress Saver Features and Benefits

Access your savings online anytime

Access your savings online at any time via your eligible linked ANZ bank account.disclaimer

Earn bonus interest

Open your first ANZ Online Saver and get bonus interest for 3 months, even if you make a withdrawal.disclaimer

No monthly account service fees

Pay no monthly account service fees with this account.

No minimum balance

There’s no minimum! You can transfer money in and out as much as you like.

Bill payment options

Use your ANZ Online Saver to pay bills using BPAY® or set up direct debits.

Set and track your savings goal

Eligible for the set a savings goal feature in the ANZ App.disclaimer

compare bank accounts

Not the account you’re looking for?
We’ve got a handy tool to help you find the right one. Compare bank accounts to see side-by-side options for some transaction, savings and term deposit accounts.

How to apply

Take a moment to review ANZ Online Saver to help you decide if it's right for you.

Eligibility criteria:

  • Australian residents
  • An Australian residential address
  • 12 years or older

Apply for ANZ Online Saver

Apply online

If you're ready to apply online and have your documents handy, you can get started now.

Apply now

For joint account applications, after ANZ has opened your account, you will need to visit an ANZ branch with all account holders to sign a Joint Account Authority Form. You will not be able to access your joint account until this form is signed.

ANZ Internet Banking

If you've registered, log in and click Product & Offers, then select the Bank accounts tab and look for ANZ Online Saver.

Log in

Call us or visit a branch

Call us on 13 33 33 Mon-Fri 8.00am to 8.00pm (Sydney/Melbourne time) or find an ANZ branch near you.

Your questions answered

I keep hearing about ANZ Plus; how is it different from ANZ?

ANZ Plus is ANZ’s digital banking service available in the new ANZ Plus app.

It comes with an ANZ Plus transaction account and a multi-goal ANZ Save account, and a new-look ANZ Plus Visa Debit Card.

The ANZ Plus app has a range of features to provide more visibility and control of your money and spending.

You can only access ANZ Plus in the ANZ Plus app. You can't access other ANZ accounts in the ANZ Plus app.

Other ANZ bank accounts can be accessed through the ANZ app or Internet Banking, ANZ branches and over the phone.

Find out more about ANZ Plus at www.anz.com/plus

Deposits
You can make deposits to your account:

  • by depositing cash at any ANZ ATM that accepts such deposits;
  • by transferring funds from your linked ANZ everyday account using ANZ Phone Banking, ANZ Internet Banking or the ANZ App;disclaimer
  • by arranging an electronic transfer to your account with another financial institution;
  • by arranging an electronic transfer from another person’s account with another financial institution (e.g. by arranging to have your salary or other income, such as family allowance and pensions, paid directly to your account); or
  • in any other way we allow.

Withdrawing or transferring money
 You may withdraw or transfer money from your account as often as you like, as long as enough funds are available:

  • by transferring funds to your linked ANZ everyday account, or making a BPAY® Payment, through ANZ Phone Banking, ANZ Internet Banking or the ANZ App;disclaimer
  • using ANZ Internet Banking to manage your accounts, pay and transfer money, access online statements and more;
  • by transferring funds to an account with another financial institution;
  • by arranging a direct debit that is credited to another account with us, or another financial institution;
  • in any other way we allow.

For ANZ Online Saver accounts, ANZ Progress Saver accounts, ANZ Premium Cash Management Accounts and ANZ Pensioner Advantage accounts we will work out interest on the balance of your account at the end of each day. 

Learn more

We have several ways to ensure you can access your transaction and account balance information when it suits you, which include Internet Banking, mobile banking and phone banking. For more information on:

Viewing balances in Internet Banking

Using phone banking to check transactions or balances

Using mobile banking to check transactions or balances

When using ANZ Internet Banking or the ANZ App, you’ll be reimbursed for any unauthorised transactions, provided that you have complied with the applicable product terms and conditions, and any applicable Electronic Banking Conditions of Use contained in your product terms and conditions.

Find out more about ANZ's internet banking security

Some extra peace of mind for banking in Australia. Deposits of up to $250,000 with ANZ can be covered by the Australian Government’s Financial Claims Scheme.disclaimer This means that this money is guaranteed if anything happens to ANZ.

Important information

Any advice does not take into account your personal needs and financial circumstances and you should consider whether it is appropriate for you. ANZ recommends you read the ANZ Saving & Transaction Products Terms and Conditions (PDF) and the Financial Services Guide (PDF) which are available at anz.com or by calling 13 13 14 and the ANZ Plus and ANZ Save Accounts T&Cs available at anz.com.au/plus before deciding whether to acquire, or continue to hold, the product. Fees, charges and eligibility criteria apply.

Images and features shown are iOS versions. Feature availability and design may differ based on the device, operating system, or ANZ Plus app version.

Apple, the Apple logo, iPhone and iPad are trademarks of Apple Inc., registered in the U.S. and other countries. App Store is a service mark of Apple Inc.

Android, Google Play and the Google Play logo are trademarks of Google Inc.

BPAY®  is registered to BPAY Pty Ltd ABN 69079137518.

PayID is a registered trademark of NPP Australia Limited.

ANZ Online Saver is only available to customers who open or who are the account holders of, or signatories to, eligible ANZ everyday banking accounts with ANZ Internet Banking or ANZ Phone Banking access. Eligible accounts include ANZ Access Advantage, ANZ Access Basic, ANZ Pensioner Advantage, ANZ Progress Saver, ANZ V2 PLUS and ANZ Premium Cash Management Account. Terms and conditions and fees and charges apply to the eligible account.

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Open your first ANZ Online Saver account and you'll receive an introductory fixed bonus rate of % p.a. for 3 months, on top of the ANZ Online Saver standard variable rate (currently ).  After 3 months, the ANZ Online Saver standard variable rate, applicable at that time, will apply. The introductory fixed bonus rate is only available on the first ANZ Online Saver account opened by customers who have not held an ANZ Online Saver in the last 6 months. In case of joint account holders, the introductory fixed bonus rate offer will only be received if all customers are eligible.

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The ANZ App is provided by Australia and New Zealand Banking Group Limited (ANZ) ABN 11 005 357 522. Super and Insurance (if available) are not provided by ANZ but entities which are not banks. ANZ does not guarantee them. This information is general in nature only and does not take into account your personal objectives, financial situation or needs. ANZ recommends that you read the ANZ App Terms and Conditions available here for iOS (PDF) and here for Android (PDF) and consider if this service is appropriate to you prior to making a decision to acquire or use the ANZ App.

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The guarantee applies to the total balance held in one or more ANZ deposit accounts by each legal entity, up to a maximum amount of A$250,000. For further information please refer to the Financial Claims Scheme.

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