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Flexible savings you're free to dip in to

Earn interest, pay bills and make transfers¹ using the ANZ Plus Flex Saver.

ANZ Plus Flex Saver

Features
Rates
Pay and transfer
FAQs
Join in app

Save, earn and pay

Add an optional account designed to work with the ANZ Plus Growth Saver. You can use the ANZ Plus Flex Saver account to pay bills and make transfers,1 while earning a great rate for balances up to $5,000.2

Earn flexible interest

Earn 4.25% p.a. on balances up to $5,000 and 1.25% p.a. for every dollar after that.2

Save at your own pace

Save flexibly, without monthly qualifiers or needing to make minimum deposits. 

Dip in when you need it

Move money in and out, and still earn a great rate on balances up to $5,000.²

Pay bills and expenses

Earn interest on money set aside for bills and expenses and pay them directly.1

Earn interest

Earn a great rate on your first $5,000,² with flexibility to move money in and out of your account.

4.25% p.a.

on your first $5,000.²

1.25% p.a.

on every dollar over $5,000.²

Things to know

Make payments from your savings

Set aside money for bills and expenses, then use this account to make payments using Pay Anyone, PayID®, PayTo®, Direct Debit and BPAY® – while earning interest on your balance.
Card payments are not available.

More from ANZ Plus

Want to smash your savings goals?

Use ANZ Plus Growth Saver to grow your savings and you could earn bonus interest.3

Discover ANZ Plus Growth Saver

Your questions answered

Am I eligible to join ANZ Plus?

To start banking with ANZ Plus, you need to be 15 years or older with an Australian residential address and a valid form of ID.

At the moment, these are the ID types we accept:

  • Australian driver's licence
  • Australian passport
  • International passport

Please keep in mind, ANZ Plus is just for personal use.

When you download the ANZ Plus app and join, you'll get an ANZ Plus Everyday account for everyday spending and an ANZ Plus Growth Saver account for your savings and goals. These accounts can be closed, but you'll need to hold at least one of the following: an ANZ Plus Everyday, ANZ Plus Growth Saver or ANZ Plus Flex Saver account, or an ANZ Plus Home Loan to keep using the ANZ Plus app.

To share or accept an invitation to open a joint account, you and your plus one will each need to hold at least one of the following: an ANZ Plus Everyday, ANZ Plus Growth Saver or ANZ Plus Flex Saver account, or an ANZ Plus Home Loan.

Are there fees and charges?

There are no monthly account-keeping or subscription fees for ANZ Plus Everyday, ANZ Plus Growth Saver and ANZ Plus Flex Saver accounts. However, there may be fees on certain transactions, such as using non-ANZ ATMs, international money transfers and overseas transactions (like online shopping or while you travel).

If your ANZ Plus Everyday account is linked as an offset account to an ANZ Plus Home Loan, a monthly offset fee may apply.

Refer to the ANZ Plus Deposit Account T&Cs for more information on fees that may apply.

How do I add money to my accounts?

You can use your account details or PayID (once you've set it up) to receive a payment from another bank, or head to an ANZ Smart ATM to deposit cash or an Australian cheque.

Better yet, give your account details (BSB and account number) to your boss and get paid to your ANZ Plus accounts.

To view your account details:

  1. Go to the Profile icon
  2. Tap on Account Details.

Sending money from other ANZ accounts

You can transfer money from eligible ANZ accounts directly to your ANZ Plus accounts with no daily limits using My Accounts in the ANZ Plus app.

Alternatively, you can use Pay Anyone to make payments of up to a total of $25,000 a day from the ANZ App. You will need to use Voice ID to make payments over $1,000.

You can also use Internet Banking to make additional payments of up to $25,000 a day. You’ll need the ANZ Shield app for payments over $10,000.

Can I open joint accounts with ANZ Plus?

You can invite your plus one to open a Joint ANZ Plus deposit account with you in a few simple steps.

When you’re ready to share an invite:

  1. Go to the Store tab.
  2. Select the ANZ Plus deposit account you'd like to open and tap Continue.
  3. Select Me and someone else.
  4. Follow the prompts to share or accept an invite.

If you’re accepting an invite, you should also be able to find your invitation on the Money tab or in the Store tab of your app.

If you're unable to share or accept an invite in the app, you may need to update your ANZ Plus app to the latest version from the App Store or Google Play Store.

Before you open your accounts

Any money in your joint accounts and any linked activity or features will be accessible by both you and your plus one, so make sure you only open joint accounts with someone you trust.

Each joint account will be shared with just one other person – so choose your plus one wisely. There's also a limit to the number of joint accounts you can open.

Declining an invite

If you don’t recognise an invitation, or think you’ve been invited by mistake, please:

  1. Open the invite and select Review Invite.
  2. Select Decline Invite or Decline & Report Invite.

Start saving today

You’ll need to set up ANZ Plus Everyday and ANZ Plus Growth Saver accounts before opening an ANZ Plus Flex Saver account.

Minimum of iOS 15.0 or Android 7.0

Scan to get started

Explore more from ANZ Plus

Make regular saving more rewarding

Use the ANZ Plus Growth Saver to earn bonus interest when you grow your balance by $100 or more (on top of any interest you receive) each month.³

Explore ANZ Plus Growth Saver

Sort your spending with ANZ Plus Everyday

Your ANZ Plus Everyday account is packed with personalised tools and insights to help you spend smarter.

Explore ANZ Plus Everyday

Could you save with an ANZ Plus Home Loan?

Applications open for eligible customers refinancing to a digital home loan that’s designed to help find ways to get ahead. 

Explore refinance

BPAY® is registered to BPAY Pty Ltd ABN 69079137518.

PayID® is a registered trademark of NPP Australia Limited. 


¹ Payment functionality on the ANZ Plus Flex Saver is limited to PayTo, BPAY, Direct Debit, Pay Anyone, and PayID. The ANZ Plus Flex Saver does not come with a linked Visa Debit card.

² Different interest rates apply to different parts of the effective daily balance of your ANZ Plus Flex Saver account. A higher rate applies for that part of the effective daily balance that is up to $5,000, and a lower rate applies to that part of your effective daily balance that is above $5,000. Interest rates are variable and subject to change. See the ‘Earning Interest’ section of the ANZ Plus Deposit Account T&Cs for more information about how interest is calculated. See anz.com.au/plus/interest-fees for interest rates. To be eligible for the ANZ Plus Flex Saver account you must be an existing ANZ Plus customer.

³ We use the effective daily balance of your ANZ Plus Growth Saver account at 11:59pm (AEST/AEDT) on the last business day of the month to determine if you've met the requirement to grow your balance. See the ‘Earning interest’ section of the ANZ Plus Deposit Account T&Cs for more about what’s included in your balance, how interest is calculated and how we work out if you're eligible for bonus interest. See anz.com.au/plus/interest-fees for interest rates. Interest rates are variable and subject to change.

If you're new to ANZ Plus, the ANZ Plus Growth Saver is only available if linked to an ANZ Plus Everyday account. Any advice is general and might not be right for you. The Financial Services Guide, Target Market Determinations and ANZ Plus Deposit Account T&Cs are available for your reference. You should read them before deciding to apply for or keep these products.