New to ANZ?
Before applying online for an ANZ Advance Notice Term Deposit, you’ll first need to open an ANZ everyday or ANZ savings account.
Why do I need this account?
If you’re new to ANZ and need an ANZ everyday or ANZ savings account to fund your new term deposit, an ANZ Access Advantage account or ANZ Premium Cash Management account are great options to get started.
This account could be utilised to hold your funds and make the initial deposit to finalise setting up a term deposit. Once your term deposit is established, this account could be used to add additional funds to your term deposit at maturity and could be used to receive payments from your term deposit.
Here’s how it works
Step 1 - Open an ANZ everyday or ANZ savings account such as an ANZ Access Advantage or an ANZ Premium Cash Management account
Complete this step first. With this account, you could easily manage your term deposit, including opening and renewing it online and receiving interest and principal payments from your term deposit.
Step 2 - Verify your identity
Verifying your identity can be done online – just make sure you have the right documentation handy.
Step 3 - Fund your new ANZ everyday or ANZ savings account
Deposit funds (minimum of $5,000) from your financial institution into your new ANZ account.
Step 4 - Apply online for an ANZ Advance Notice Term Deposit
Register for ANZ Internet Banking or visit the ANZ Advance Notice Term Deposit page on ANZ to apply online.
Get started
What type of account would you like to open first?
ANZ Access Advantage
The transaction account for everyday banking. ANZ Access Advantage is easy to use and packed with great features for day-to-day transactions.
Features include:
Monthly account service fee waiver for eligible customers
We'll waive your $5 monthly account service fee if you deposit at least $2,000 a monthdisclaimeror if you meet other eligibility criteriadisclaimer(like you’re a full-time student).
ANZ Access Visa Debit card
Get an ANZ Access Visa Debit carddisclaimer and you can add it to your digital wallet.disclaimer Use it anywhere in the world where Visa is accepted.disclaimer
Anti-fraud protection with ANZ Falcon®
ANZ Falcon® works 24/7 to monitor your debit and credit card transactions to help safeguard your money and help put a stop to fraud. More on security.
ANZ App for iOS and Android
Download the ANZ App for iOS or Android devices, and view, make or schedule payments and transfers, temporarily block and unblock your carddisclaimer, change your profile details, or set savings goals (if you have an ANZ Online Saver or ANZ Progress Saver account).disclaimer
Tap and pay for in-store purchases
Just set up your ANZ Access Visa Debit carddisclaimer on your digital wallet and you can use your compatible devicedisclaimer to tap and paydisclaimer for everyday purchases wherever you can make contactless payments.
Track your spending and income
Every month, get access to Your Money Report, a personalised snapshot of some of your money in and money out across your ANZ Access Advantage account and other eligible ANZ accounts. Learn more.
Faster payment solutions with PayID®
Make faster paymentsdisclaimer or get paid in as little as 60 seconds using PayID®. This could be a great option for individuals looking to save time and reduce admin.
Earn cashback with Cashrewards
Join ‘Cashrewards’disclaimer for free to access cashback offers from more than 2,000 popular retailers and get more for your money.
Fees
$5 monthly account service fee or
$0 if you deposit at least $2,000 a monthdisclaimer
Interest rates
No interest is paid on this account.
ANZ Premium Cash Management
Manage your investment cash flow with easy access to your money.
Features include:
- Start earning tiered interest when your balance is $10,000 or moredisclaimer disclaimer
- Unlimited Internet Banking Transactions
- 5 other ANZ Transactions fee-free each month (Fees and charges apply after that)disclaimer
Consider these things:
- If the balance falls below $10,000 then 0% interest will be earned
- Some transactions always incur fees, like overseas transaction fees and bank chequesdisclaimer
- Generally, ANZ won’t process a transaction that will overdraw your account. However, if your account is overdrawn, you may be charged interestdisclaimer
Feesdisclaimer
Monthly account service fee | $0 |
|---|---|
Minimum opening balance | $0 |
Minimum ongoing balance | $0 |
Included ANZ Transactions per month | Five - as defined in the ANZ Personal Banking Account Fees and Charges booklet.disclaimer Unlimited Internet Banking Transactions |
Additional transaction feesdisclaimer | Staff assisted – $2.50 |
Interest rates
| Amount | Tiered variable interest ratedisclaimer |
|---|---|
$0 - $9,999 | |
$10,000 - $499,999 | |
$5,000,000 plus |
What is tiered interest?
This means that the balance of your account on each day determines the interest rate that applies to the whole balance of your account on that day.
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 before deciding whether to acquire, or continue to hold, the product. Fees, charges and eligibility criteria apply.
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.
Falcon® is a registered trademark of Fair Isaac Corporation.
PayID is a registered trademark of NPP Australia Limited.
Monthly account service fee waiver applicable to ANZ Access Advantage accounts if you deposit $2,000 or more by the last business day of the calendar month. You must satisfy the monthly deposit requirement to be eligible for the waiver in a particular month.
ReturnOn application for the waiver by an eligible customer, the monthly account service fee will be waived on one nominated ANZ Access Advantage account. For more information on Exemptions and Concessions please refer to ANZ Personal Banking Account Fees and Charges (PDF).
ReturnEligibility criteria apply to the issue of ANZ Access Visa Debit card. Fees may apply (for example, overseas transaction fees, overseas ATM transaction fees and non-ANZ operator fees). Please refer to the ANZ Personal Banking Account Fees and Charges (PDF) and ANZ Saving & Transaction Products Terms and Conditions (PDF) for details.
ReturnMobile payments available on compatible devices and eligible ANZ cards. Separate terms and conditions apply to the use of Apple Pay, Google Pay, Samsung Pay, Fitbit Pay and Garmin Pay. Apple, Apple Pay and iPhone are trade marks of Apple Inc., registered in the U.S. and other countries. Android, Google Pay, and the Google Logo are trademarks of Google LLC. Samsung and Samsung Pay are trademarks or registered trademarks of Samsung Electronics Co., Ltd. Fitbit and the Fitbit logo are trademarks or registered trademarks of Fitbit, Inc. in the U.S. and other countries. Garmin, the Garmin logo, and the Garmin delta are trademarks of Garmin Ltd. or its subsidiaries and are registered in one or more countries, including the U.S. Garmin Pay is a trademark of Garmin Ltd. or its subsidiaries.
ReturnIf you think your card is lost or stolen, its important that you let us know immediately.
ReturnANZ Online Saver account earns a standard variable rate, which is subject to change.
ReturnMobile payments available on compatible devices and eligible ANZ cards. View the full list at anz.com/mobilepayments. Terms and conditions apply to the use of Apple Pay (PDF), Google Pay (PDF), Samsung Pay (PDF), ANZ with Google Wallet (Fitbit device) (PDF) and Garmin Pay (PDF).
ReturnEligible accounts and payments only – sending and receiving account must be capable of processing faster payments. Technical interruptions may occur and some payments may be delayed e.g. for security screening.
ReturnCashrewards is offered by Cashrewards and not ANZ. Cashrewards is not exclusive to ANZ cardholders. The Cashrewards account is not an ANZ account. To earn cashback you must be a Cashrewards member. Exclusions and caps may apply. Eligibility criteria, cashback redemption and withdrawal conditions and T&Cs apply. Please visit Cashrewards for further details.
ReturnIf the balance falls below $10,000 then interest will be earned.
ReturnThe interest rate is tiered. This means that the balance of your account on each day determines the interest rate that applies to the whole balance of your account on that day.
ReturnAdditional ANZ Transactions charged as: Electronic Transactions $0.50 each, and Staff Assisted Transactions $2.50 each. Other fees may apply (including non-ANZ ATM operator fees, overseas ATM fees and overseas transaction fees). Please refer to the ANZ Personal Banking Account fees and Charges booklet (PDF) for definitions of ANZ Transactions, Electronic Transactions and Staff Assisted Transactions and for fees and charges that apply.
ReturnPlease refer to ANZ Personal Banking Account Fees and Charges (PDF) for fees and charges that apply.
ReturnDebit interest may apply. Please refer to ANZ Personal Banking Account Fees and Charges (PDF).
Return