ANZ

The ANZ website contains the following categories:

Interest Rates

Interest Rates on ANZ Personal products current as at Thursday, 26 March 2015.
Current Business interest rates and Corporate interest rates are also available.

We've changed when we review our variable home loan interest rates.

Click to expand or contractHome loans

Find out more about Home loans.

Click to expand or contractANZ Standard Variable Rate (Home Loan Index)
Interest RateComparison Rate
Variable Rate5.63% p.a.5.73% p.a.

ANZ Breakfree Loan Package is available with this loan (subject to eligibility and minimum lending requirements).
This Comparison Rate is for a secured loan of $150,000 over 25 years.
WARNING: This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate.
A Comparison Rate schedule is available at any ANZ branch.

Terms and conditions available on application. Fees and charges apply.

Click to expand or contractANZ Fixed Interest Rates (with Breakfree Package)
TermInterest RateComparison Rate
1 year4.49% p.a.5.10% p.a.
2 years4.59% p.a.5.08% p.a.
3 years4.69% p.a.5.09% p.a.
4 years4.99% p.a.5.18% p.a.
5 years4.59% p.a.5.02% p.a.
7 years7.54% p.a.6.68% p.a.
10 years7.54% p.a.7.11% p.a.

The Comparison Rate is for a secured loan of $150,000 over 25 years.
The Comparison Rate includes the ANZ Breakfree Package fee and standard discounts and fee waivers under ANZ Breakfree.
WARNING: This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate.
A Comparison Rate schedule is available at any ANZ branch.

Terms and conditions available on application. Fees and charges apply.

Click to expand or contractANZ Fixed Interest Rates (without Breakfree Package)
TermInterest RateComparison Rate
1 year4.64% p.a.5.59% p.a.
2 years4.74% p.a.5.52% p.a.
3 years4.84% p.a.5.48% p.a.
4 years5.14% p.a.5.53% p.a.
5 years4.74% p.a.5.33% p.a.
7 years7.69% p.a.6.92% p.a.
10 years7.69% p.a.7.26% p.a.

ANZ Breakfree Loan Package is available with this loan (subject to eligibility and minimum lending requirements).
The Comparison Rate is for a secured loan of $150,000 over 25 years.
WARNING: This comparison rate applies only to the example or examples given. Different amounts and terms will result in different comparison rates. Costs such as redraw fees or early repayment fees, and cost savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan.
A Comparison Rate schedule is available at any ANZ branch.

Terms and conditions available on application. Fees and charges apply.

Click to expand or contractANZ Simplicity PLUS
Interest RateComparison RateDiscount Rate
Variable Rate4.93% p.a.4.98% p.a.Not applicable

The Comparison Rate is for a secured loan of $150,000 over 25 years.
WARNING: This comparison rate applies only to the example or examples given. Different amounts and terms will result in different comparison rates. Costs such as redraw fees or early repayment fees, and cost savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan.
A Comparison Rate schedule is available at any ANZ branch.

Terms and conditions available on application. Fees and charges apply.

Click to expand or contractANZ Breakfree Home Loan Package
AmountVariable Rate DiscountFixed Rate Discount
Total ANZ Mortgage Lending $150,000-$249,9990.50% p.a.0.15% p.a.
Total ANZ Mortgage Lending $250,000-$699,9990.60% p.a.0.15% p.a.
Total ANZ Mortgage Lending $700,000+0.70% p.a.0.15% p.a.

Special rate offers are available for a limited time on new or additional lending. Refer to ANZ Breakfree Package.

This home loan package is available on:
- ANZ Standard Variable Rate Home and Residential Investment Loans;
- ANZ Fixed Rate Home and Residential Investment Loans;
- ANZ Equity Manager facilities.

Terms and conditions available on application. Fees and charges apply.

Click to expand or contractANZ Easy Start

This product is no longer for sale, please refer to the Standard Variable Rate. An ongoing discount margin may apply to some loans, see your Letter of Offer for details.

Click to expand or contractANZ Land Loan
Interest RateComparison Rate
Variable Rate5.63% p.a.5.73% p.a.

ANZ Breakfree Loan Package is available with this loan (subject to eligibility and minimum lending requirements).
The Comparison Rate is for a secured loan of $150,000 over 25 years.
WARNING: This comparison rate applies only to the example or examples given. Different amounts and terms will result in different comparison rates. Costs such as redraw fees or early repayment fees, and cost savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan.
A Comparison Rate schedule is available at any ANZ branch.

Terms and conditions available on application. Fees and charges apply.

Click to expand or contractANZ Money Saver
Interest RateComparison Rate
Variable Rate5.23% p.a.5.39% p.a.

This product is no longer available for sale.
The Comparison Rate is for a secured loan of $150,000 over 25 years.
WARNING: This comparison rate applies only to the example or examples given. Different amounts and terms will result in different comparison rates. Costs such as redraw fees or early repayment fees, and cost savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan.
A Comparison Rate schedule is available at any ANZ branch.

Terms and conditions, fees and charges apply.

Click to expand or contractANZ Supplementary Loan
Interest RateComparison Rate
Variable Rate5.63% p.a.6.99% p.a.

ANZ Breakfree Loan Package is available with this loan (subject to eligibility and minimum lending requirements).
The Comparison Rate is for a secured loan of $150,000 over 25 years.
WARNING: This comparison rate applies only to the example or examples given. Different amounts and terms will result in different comparison rates. Costs such as redraw fees or early repayment fees, and cost savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan.
A Comparison Rate schedule is available at any ANZ branch.

Terms and conditions available on application. Fees and charges apply.

Click to expand or contractANZ Home Improvement Loan
Interest RateComparison Rate
Variable Rate5.63% p.a.6.99% p.a.

The Comparison Rate is for a secured loan of $30,000 over 5 years.
WARNING: This comparison rate applies only to the example or examples given. Different amounts and terms will result in different comparison rates. Costs such as redraw fees or early repayment fees, and cost savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan.
A Comparison Rate schedule is available at any ANZ branch.

Terms and conditions available on application. Fees and charges apply.

Click to expand or contractEquity Loans - Interest rates and reference rates

Find out more about Equity loans.

Click to expand or contractANZ Equity Manager
Interest Rate
Variable Rate5.78% p.a.

The Loan Approval Fee (LAF) is waived under the ANZ Breakfree package.

Terms and conditions available on application. Fees and charges apply.

Click to expand or contractANZ Breakfree Home Loan Package
AmountVariable Rate DiscountFixed Rate Discount
Total ANZ Mortgage Lending $150,000-$249,9990.50% p.a.0.15% p.a.
Total ANZ Mortgage Lending $250,000-$699,9990.60% p.a.0.15% p.a.
Total ANZ Mortgage Lending $700,000+0.70% p.a.0.15% p.a.

Special rate offers are available for a limited time on new or additional lending. Refer to ANZ Breakfree Package.

This home loan package is available on:
- ANZ Standard Variable Rate Home and Residential Investment Loans;
- ANZ Fixed Rate Home and Residential Investment Loans;
- ANZ Equity Manager facilities.

Terms and conditions available on application. Fees and charges apply.

Click to expand or contractANZ Home Equity Loan
Interest Rate
Variable Rate6.13% p.a.

This product is no longer available for sale.

Terms and conditions available on application. Fees and charges apply.

Click to expand or contractANZ Equity Release
Interest RateComparison Rate
Variable Rate10.15% p.a.10.20% p.a.
4 Year Fixed Rate10.25% p.a.10.21% p.a.

Comparison rate is for a loan of $150,000 over 25 years.
Please note: This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate.

This product is no longer available for sale.

Terms and conditions available on application. Fees and charges apply.

Click to expand or contractResidential investment loans - Interest rates and reference rates

Find out more about Residential investment loans.

Click to expand or contractANZ Standard Variable Rate (RIPL Index)
Interest RateComparison Rate
Variable Rate5.63% p.a.5.73% p.a.

ANZ Breakfree Package is available with this loan (subject to eligibility and minimum lending requirements).
This Comparison Rate is for a secured loan of $150,000 over 25 years. WARNING: This comparison rate applies only to the example or examples given. Different amounts and terms will result in different comparison rates. Costs such as redraw fees or early repayment fees, and cost savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan.

View Comparison Rate schedule (PDF 72kB) online or visit any ANZ branch.

Terms and conditions available on application. Fees and charges apply.

Click to expand or contractANZ Fixed Interest Rates (with Breakfree Package)
TermInterest RateComparison Rate
1 year4.49% p.a.5.10% p.a.
2 years4.59% p.a.5.08% p.a.
3 years4.69% p.a.5.09% p.a.
4 years4.99% p.a.5.18% p.a.
5 years4.59% p.a.5.02% p.a.
7 years7.54% p.a.6.68% p.a.
10 years7.54% p.a.7.11% p.a.

The Comparison Rate is for a secured loan of $150,000 over 25 years. The Comparison Rate includes the ANZ Breakfree Package fee and standard discounts and fee waivers under ANZ Breakfree.
WARNING: This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate.

A Comparison Rate schedule is available at any ANZ branch.

Terms and conditions available on application. Fees and charges apply.

Click to expand or contractANZ Fixed Interest Rates (without Breakfree Package)
TermInterest RateComparison Rate
1 year4.64% p.a.5.59% p.a.
2 years4.74% p.a.5.52% p.a.
3 years4.84% p.a.5.48% p.a.
4 years5.14% p.a.5.53% p.a.
5 years4.74% p.a.5.33% p.a.
7 years7.69% p.a.6.92% p.a.
10 years7.69% p.a.7.26% p.a.

ANZ Breakfree Package is available with this loan (subject to eligibility and minimum lending requirements).
The Comparison Rate is for a secured loan of $150,000 over 25 years.
WARNING: This comparison rate applies only to the example or examples given. Different amounts and terms will result in different comparison rates. Costs such as redraw fees or early repayment fees, and cost savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan.

A Comparison Rate schedule is available at any ANZ branch.

Terms and conditions available on application. Fees and charges apply.

Click to expand or contractANZ Simplicity PLUS
Interest RateComparison RateDiscount Rate
Variable Rate4.93% p.a.4.98% p.a.Not applicable

The Comparison Rate is for a secured loan of $150,000 over 25 years.
WARNING: This comparison rate applies only to the example or examples given. Different amounts and terms will result in different comparison rates. Costs such as redraw fees or early repayment fees, and cost savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan.

A Comparison Rate schedule is available at any ANZ branch.

Terms and conditions available on application. Fees and charges apply.

Click to expand or contractANZ Breakfree Home Loan Package
AmountVariable Rate DiscountFixed Rate Discount
Total ANZ Mortgage Lending $150,000-$249,9990.50% p.a.0.15% p.a.
Total ANZ Mortgage Lending $250,000-$699,9990.60% p.a.0.15% p.a.
Total ANZ Mortgage Lending $700,000+0.70% p.a.0.15% p.a.

Special rate offers are available for a limited time on new or additional lending. Refer to ANZ Breakfree Package.
This home loan package is available on:
- ANZ Standard Variable Rate Home and Residential and Investment Loans;
- ANZ Fixed Rate Home and Residential Investment Loans;
- ANZ Equity Manager facilities.

Terms and conditions available on application. Fees and charges apply.

Click to expand or contractANZ Easy Start
Interest RateComparison Rate
Discount Variable Rate for 1 year4.31% p.a.5.30% p.a.

This product is no longer available for sale.

The interest rate reverts to ANZ Standard Variable Rate at the end of the discount period, if applicable. See your Letter of Offer for details.
The Comparison Rate is for a secured loan of $150,000 over 25 years.
WARNING: This comparison rate applies only to the example or examples given. Different amounts and terms will result in different comparison rates. Costs such as redraw fees or early repayment fees, and cost savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan.

View Comparison Rate schedule (PDF 72kB) online or visit any ANZ branch.

Terms and conditions, fees and charges apply.

Click to expand or contractANZ Land Loan
Interest RateComparison Rate
Variable Rate5.63% p.a.5.73% p.a.

ANZ Breakfree Package is available with this loan (subject to eligibility and minimum lending requirements).
The Comparison Rate is for a secured loan of $150,000 over 25 years.
WARNING: This comparison rate applies only to the example or examples given. Different amounts and terms will result in different comparison rates. Costs such as redraw fees or early repayment fees, and cost savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan.
A Comparison Rate schedule is available at any ANZ branch.

Terms and conditions available on application. Fees and charges apply.

Click to expand or contractANZ Money Saver
Interest RateComparison Rate
Variable Rate5.23% p.a.5.39% p.a.

This product is no longer available for sale.
The Comparison Rate is for a secured loan of $150,000 over 25 years.
WARNING: This comparison rate applies only to the example or examples given. Different amounts and terms will result in different comparison rates. Costs such as redraw fees or early repayment fees, and cost savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan.

View Comparison Rate schedule (PDF 72kB) online or visit any ANZ branch.

Terms and conditions, fees and charges apply.

Click to expand or contractANZ Supplementary Loan
Interest RateComparison Rate
Variable Rate5.63% p.a.6.99% p.a.

ANZ Breakfree Package is available with this loan (subject to eligibility and minimum lending requirements).
The Comparison Rate is for a secured loan of $30,000 over 5 years.
WARNING: This comparison rate applies only to the example or examples given. Different amounts and terms will result in different comparison rates. Costs such as redraw fees or early repayment fees, and cost savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan.
A Comparison Rate schedule is available at any ANZ branch.

Terms and conditions available on application. Fees and charges apply.

Click to expand or contractANZ Interest in Advance Loan - Yearly
TermInterest Rate with BreakfreeInterest Rate
1 year4.29% p.a.4.44% p.a.
2 years4.39% p.a.4.54% p.a.
3 years4.49% p.a.4.64% p.a.
4 years4.79% p.a.4.94% p.a.
5 years4.39% p.a.4.54% p.a.
7 years7.34% p.a.7.49% p.a.
10 years7.34% p.a.7.49% p.a.

The Rates shown apply for interest paid yearly in advance. The Rates applicable for interest paid monthly, quarterly or semi - annually in advance are available on application at any ANZ Branch.

ANZ Breakfree Loan Package is available with this loan.

Only available for investments.

Click to expand or contractPersonal loans and overdrafts

Find out more about Personal loans.

Click to expand or contractANZ Variable Rate
Interest RateComparison Rate
Variable Rate from14.69% p.a.15.55% p.a.

Comparison rate is based on a $30,000 Personal Loan for a 5 year term. This rate is applicable for unsecured loans only.

WARNING: Comparison Rate applies only to the example given. Different amounts and terms will result in different comparison rates. Costs such as redraw fees, and cost savings such as fee waivers, are not included in the Comparison Rate but may influence the cost of the loan.

View Comparison Rate schedule (PDF 72kB) online or visit any ANZ branch.

Click to expand or contractANZ Fixed Rate
Interest RateComparison Rate
Fixed Rate from13.95% p.a.14.81% p.a.

Comparison rate is based on a $30,000 Personal Loan for a 5 year term. This rate is applicable for unsecured loans only.

WARNING: Comparison Rate applies only to the example given. Different amounts and terms will result in different comparison rates. Costs such as redraw fees, and cost savings such as fee waivers, are not included in the Comparison Rate but may influence the cost of the loan.

View Comparison Rate schedule (PDF 72kB) online or visit any ANZ branch.

Click to expand or contractPersonal Overdraft
Interest Rate
13.01% p.a. (ANZ Retail Index Rate + 4%)

ANZ's normal credit criteria apply to each application. Applicants need to be at least 18 years of age and demonstrate capacity to afford to repay.

The ANZ Personal Overdraft Credit Facility Fee is payable monthly. It is calculated by dividing the annual credit facility fee of $60 by 366, then multiplying that figure by the number of days that facility is on effect for that month..

Terms and conditions are available on application. Fees and charges apply.

Click to expand or contractANZ Assured
Interest Rate
17.16% p.a. (ANZ Retail Index Rate + 8.15%)

Terms and conditions are available on application. Fees and charges apply.

Click to expand or contractANZ Graduate Loan
Interest RateComparison Rate
Variable Rate14.69% p.a.15.55% p.a.

Comparison Rate is calculated on a $30,000 Graduate Loan for a 5 year term. This rate is applicable for unsecured loans only.

WARNING: Comparison Rate applies only to the example given. Different amounts and terms will result in different comparison rates. Costs such as redraw fees, and cost savings such as fee waivers, are not included in the Comparison Rate but may influence the cost of the loan.

View Comparison Rate schedule (PDF 72kB) online or visit any ANZ branch.

Click to expand or contractANZ Reference Rates
Interest Rate
Personal Lending Index Rate12.24% p.a.
Balance Transfer Lending Index Rate15.77% p.a.

Terms and conditions available on application. Fees and charges apply.

Click to expand or contractANZ Retail Index
Interest Rate
9.01% p.a.

Terms and conditions available on application. Fees and charges apply.

Click to expand or contractCar loans

Find out more about Car loans.

Click to expand or contractANZ Online Secured Car Loan
Interest RateComparison Rate
Fixed rate7.63% p.a.8.48% p.a.

This rate is only available if you apply online. You may receive a different rate if you apply for a secured car loan in other ANZ channels such as an ANZ branch or over the phone. Interest rate is subject to change.

This comparison rate is based on a $30,000 Secured Car Loan over a term of 5 years on monthly repayments.

WARNING: This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate.

Terms and conditions available on application. Fees and charges apply.

Click to expand or contractDeposit accounts

Find out more about Deposit accounts.

Click to expand or contractANZ Access Advantage
AmountInterest Rate
$1 - $49,9990.00% p.a.
$50,000 - $99,9990.01% p.a.
$100,000 plus0.02% p.a.

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 Terms and Conditions (PDF 444kB) and the Financial Services Guide (PDF 512kB) which are available at anz.com or by calling 13 13 14, before deciding whether to acquire, or continue to hold, the product.

Click to expand or contractANZ Passbook Saving Account
AmountInterest Rate
$1 - $49,9990.00% p.a.
$50,000 - $99,9990.01% p.a.
$100,000 plus0.02% p.a.

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 and Transaction Products Terms and Conditions (PDF 588kB) and the Financial Services Guide (PDF 512kB) which are available at anz.com or by calling 13 13 14, before deciding whether to acquire, or continue to hold, the product.
Product No Longer for Sale.

Click to expand or contractANZ Progress Saver
AmountBase RateBonus RateTotal
$1 - $4990.01% p.a.3.15% p.a.3.16% p.a.
$500 - $2,9990.01% p.a.3.15% p.a.3.16% p.a.
$3,000-$4,9990.01% p.a.3.15% p.a.3.16% p.a.
$5,000-$9,9990.01% p.a.3.15% p.a.3.16% p.a.
$10,000-$19,9990.01% p.a.3.15% p.a.3.16% p.a.
$20,000-$49,9990.01% p.a.3.15% p.a.3.16% p.a.
$50,000-$99,9990.01% p.a.3.15% p.a.3.16% p.a.
$100,000 plus0.01% p.a.3.15% p.a.3.16% p.a.

Bonus rate is subject to eligibility criteria. You will be eligible to receive the bonus interest rate in respect of a particular month if the set minimum deposit (currently AUD$10) and no withdrawals, fees or charges are processed to your account on or before the last business day of that calendar month, and after the last business day of the previous calendar month.

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 Terms and Conditions and the Financial Services Guide (PDF 512kB) which are available at anz.com or by calling 13 13 14, before deciding whether to acquire, or continue to hold, the product.

Click to expand or contractANZ Progress Saver ANZ@Work program bonus rate
AmountBase RateBonus RateTotal
$1 - $4990.01% p.a.3.25% p.a.3.26% p.a.
$500 - $2,9990.01% p.a.3.25% p.a.3.26% p.a.
$3,000-$4,9990.01% p.a.3.25% p.a.3.26% p.a.
$5,000-$9,9990.01% p.a.3.25% p.a.3.26% p.a.
$10,000-$19,9990.01% p.a.3.25% p.a.3.26% p.a.
$20,000-$49,9990.01% p.a.3.25% p.a.3.26% p.a.
$50,000-$99,9990.01% p.a.3.25% p.a.3.26% p.a.
$100,000 plus0.01% p.a.3.25% p.a.3.26% p.a.

Bonus rate is subject to eligibility criteria. You will be eligible to receive the bonus interest rate in respect of a particular month if the set minimum deposit (currently AUD$10) and no withdrawals, fees or charges are processed to your account on or before the last business day of that calendar month, and after the last business day of the previous calendar month.

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 Terms and Conditions and the Financial Services Guide (PDF 512kB) which are available at anz.com or by calling 13 13 14, before deciding whether to acquire, or continue to hold, the product.

Click to expand or contractANZ First Home Saver Account
Base RateBonus RateTotal
2.75% p.a.0.00% p.a.2.75% p.a.

ANZ First Home Saver account are no longer available to new customers.
Rates apply to existing accounts only.

Click to expand or contractANZ E*TRADE Cash Investment Account
AmountInterest Rate
$00.00% p.a.
$1-$9,9990.10% p.a.
$10,000 - $19,9990.10% p.a.
$20,000 - $49,9990.10% p.a.
$50,000 - $99,9990.25% p.a.
$100,000 - $249,9991.75% p.a.
$250,000 - $499,9992.50% p.a.
$500,000 - $999,9992.75% p.a.
$1,000,000 - $2,999,9993.00% p.a.
$3,000,000 - $4,999,9993.00% p.a.
$5,000,000 plus3.00% p.a.

Click to expand or contractANZ Online Saver
Interest Rate
2.25% p.a.

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 Terms and Conditions (PDF 444kB) and the Financial Services Guide (PDF 512kB) which are available at anz.com or by calling 13 13 14, before deciding whether to acquire, or continue to hold, the product.

Click to expand or contractANZ V2 PLUS
Interest Rate
ANZ V2 PLUS retail0.75% p.a.
ANZ V2 PLUS wholesale2.25% p.a.

Important Information
From 29 September 2012, ANZ V2 PLUS is only available through approved ANZ intermediaries.
There are no changes for existing customers. For all enquiries regarding ANZ V2 PLUS please call 13 28 33 (Weekdays 8am - 8pm AEST) (Intl: +61 3 8699 6994). If you are an ANZ V2 PLUS intermediary client please contact your relationship manager.

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 Terms and Conditions (PDF 444kB) and the Financial Services Guide (PDF 512kB) which are available at anz.com or by calling 13 13 14, before deciding whether to acquire, or continue to hold, the product.

Click to expand or contractANZ Premium Cash Management Account
AmountInterest Rate
$1-$9,9990.00% p.a.
$10,000 - $24,9990.75% p.a.
$25,000 - $49,9990.75% p.a.
$50,000 - $99,9990.75% p.a.
$100,000 - $249,9991.25% p.a.
$250,000 - $499,9991.25% p.a.
$500,000 - $4,999,9992.25% p.a.
$5,000,000 plus2.25% p.a.

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 Terms and Conditions (PDF 444kB) and the Financial Services Guide (PDF 512kB) which are available at anz.com or by calling 13 13 14, before deciding whether to acquire, or continue to hold, the product.

Click to expand or contractANZ Prime Cash Management Account
Interest Rate
Variable Rate2.25% p.a.

The ANZ Prime Cash Management Account can only be opened through your participating investment manager.

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 Terms and Conditions (PDF 444kB) and the Financial Services Guide (PDF 512kB) which are available at anz.com or by calling 13 13 14, before deciding whether to acquire, or continue to hold, the product.

Click to expand or contractANZ Cash Management Account
AmountInterest Rate
$1 - $1,9990.00% p.a.
$2,000 - $19,9990.10% p.a.
$20,000 - $49,9990.10% p.a.
$50,000 - $99,9990.10% p.a.
$100,000 - $249,9990.10% p.a.
$250,000 plus0.20% p.a.

This product is no longer available to new business.
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 Terms and Conditions (PDF 444kB) and the Financial Services Guide (PDF 512kB) which are available at anz.com or by calling 13 13 14, before deciding whether to acquire, or continue to hold, the product.

Click to expand or contractANZ Term Deposit
TermInterest at MaturityMonthly InterestQuarterly InterestHalf Yearly InterestAnnual Interest
1 < 2 months2.15% p.a.
2 < 3 months2.15% p.a.2.15% p.a.
3 < 4 months*2.45% p.a.2.45% p.a.
4 < 5 months2.15% p.a.2.14% p.a.2.15% p.a.
5 < 6 months2.15% p.a.2.14% p.a.2.15% p.a.
6 < 7 months*2.45% p.a.2.44% p.a.2.44% p.a.
7 < 8 months2.15% p.a.2.14% p.a.2.14% p.a.2.15% p.a.
8 < 9 months2.15% p.a.2.14% p.a.2.14% p.a.2.15% p.a.
9 < 10 months2.15% p.a.2.13% p.a.2.14% p.a.2.14% p.a.
10 < 11 months2.15% p.a.2.13% p.a.2.14% p.a.2.14% p.a.
11 < 12 months2.15% p.a.2.13% p.a.2.13% p.a.2.14% p.a.
12 < 18 months*2.57% p.a.2.58% p.a.2.58% p.a.2.60% p.a.
18 < 24 months*2.57% p.a.2.58% p.a.2.58% p.a.2.60% p.a.
24 < 36 months*2.62% p.a.2.62% p.a.2.63% p.a.2.65% p.a.
36 < 48 months*2.62% p.a.2.62% p.a.2.63% p.a.2.65% p.a.
48 < 60 months*2.67% p.a.2.67% p.a.2.68% p.a.2.70% p.a.
60 months*2.96% p.a.2.97% p.a.2.98% p.a.3.00% p.a.

* Special term rates do not qualify for additional bonus interest rates and are not available in conjunction with any other bonus or special interest rate offer.The interest rates shown are for ANZ Term Deposit amounts of $5,000 to less than $100,000. To obtain these rates for investments of $100,000 or more, please call 1800 008 177 between 8am and 8pm Monday to Friday.At the end of the term, if you have not told us what you want us to do with your funds, we will reinvest them in the same type of ANZ Term Deposit. The interest rate applicable to your new ANZ Term Deposit may be lower or higher than the interest rate on your maturing Term Deposit. You can contact us on maturity of your ANZ Term Deposit to confirm interest rates that will apply upon reinvestment. ANZ recommends you read the Terms and Conditions and the Financial Services Guide before acquiring the product.

Click to expand or contractANZ Advance Notice Term Deposit
TermsInterest at MaturityMonthly InterestQuarterly InterestHalf Yearly InterestAnnual Interest
1 < 2 months2.25% p.a.
2 < 3 months2.25% p.a.2.25% p.a.
3 < 4 months*2.55% p.a.2.54% p.a.
4 < 5 months2.25% p.a.2.24% p.a.2.25% p.a.
5 < 6 months2.25% p.a.2.24% p.a.2.25% p.a.
6 < 7 months*2.55% p.a.2.54% p.a.2.54% p.a.
7 < 8 months2.25% p.a.2.24% p.a.2.24% p.a.2.25% p.a.
8 < 9 months2.25% p.a.2.24% p.a.2.24% p.a.2.25% p.a.
9 < 10 months2.25% p.a.2.23% p.a.2.24% p.a.2.24% p.a.
10 < 11 months2.25% p.a.2.23% p.a.2.24% p.a.2.24% p.a.
11 < 12 months2.25% p.a.2.23% p.a.2.23% p.a.2.24% p.a.
12 < 18 months*2.67% p.a.2.67% p.a.2.68% p.a.2.70% p.a.
18 < 24 months*2.67% p.a.2.67% p.a.2.68% p.a.2.70% p.a.
24 < 36 months*2.72% p.a.2.72% p.a.2.73% p.a.2.75% p.a.
36 < 48 months*2.72% p.a.2.72% p.a.2.73% p.a.2.75% p.a.
48 < 60 months*2.76% p.a.2.77% p.a.2.78% p.a.2.80% p.a.
60 months*3.06% p.a.3.06% p.a.3.08% p.a.3.10% p.a.

* Special term rates do not qualify for additional bonus interest rates and are not available in conjunction with any other bonus or special interest rate offer. The interest rates shown are for Advance Notice Term Deposit amounts of $5,000 to less than $100,000. To obtain rates for investments of $100,000 or more, please call 1800 008 177 between 8am and 8pm Monday to Friday. You must provide 31 days notice to ANZ if you wish to make an early withdrawal of your funds from an ANZ Advance Notice Term Deposit account. The interest rate applicable upon reinvestment may be lower or higher than the interest rate on your maturing term deposit.You can contact us on maturity of your ANZ Advance Notice to confirm interest rates that will apply upon reinvestment. ANZ recommends you read the Terms and Conditions and the Financial Services Guide before acquiring the product.

AmountInterest Rate
Balances below $2,0000.25% p.a.
Balances between $2,000 and $44,6001.75% p.a.
Balances over $44,6003.25% p.a.

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 Terms and Conditions (PDF 444kB) and the Financial Services Guide (PDF 512kB) which are available at anz.com or by calling 13 13 14, before deciding whether to acquire, or continue to hold, the product.

Click to expand or contractANZ Passbook Pensioner Advantage Account
AmountInterest Rate
Balances below $2,0000.25% p.a.
Balances between $2,000 and $44,6001.75% p.a.
Balances over $44,6003.25% p.a.

Interest rates are banded, and this product is no longer available to new business.
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 Terms and Conditions (PDF 444kB) and the Financial Services Guide (PDF 512kB) which are available at anz.com or by calling 13 13 14, before deciding whether to acquire, or continue to hold, the product.

Terms and conditions, eligibility criteria and fees and charges apply.

Click to expand or contractCredit cards

Find out more about Credit cards.

Click to expand or contractANZ Low Rate
Purchases/Balance TransfersCash Advances
13.49% p.a.21.74% p.a.

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 Terms and Conditions and the Financial Services Guide (PDF 512kB) which are available at anz.com or by calling 13 13 14, before deciding whether to acquire, or continue to hold, the product current as at

Click to expand or contractANZ Low Rate Platinum
Purchases/Balance TransfersCash Advances
13.49% p.a.21.74% p.a.

All applications for credit are subject to ANZ's credit assessment criteria.

Click to expand or contractANZ Balance Visa
Purchases/Balance TransfersCash Advances
13.99% p.a.21.74% p.a.

All applications for credit are subject to ANZ's credit assessment criteria.

Click to expand or contractANZ First
Purchases/Balance TransfersCash Advances
19.74% p.a.21.49% p.a.

All applications for credit are subject to ANZ's credit assessment criteria.

Click to expand or contractANZ Platinum
Purchases/Balance TransfersCash Advances
19.74% p.a.21.49% p.a.

All applications for credit are subject to ANZ's credit assessment criteria.

Click to expand or contractANZ Frequent Flyer
Purchases/Balance TransfersCash Advances
19.99% p.a.21.49% p.a.

All applications for credit are subject to ANZ's credit assessment criteria.

Click to expand or contractANZ Frequent Flyer Gold
Purchases/Balance TransfersCash Advances
19.99% p.a.21.49% p.a.

All applications for credit are subject to ANZ's credit assessment criteria.

Click to expand or contractANZ Frequent Flyer Platinum
Purchases/Balance TransfersCash Advances
19.99% p.a.21.49% p.a.

All applications for credit are subject to ANZ's credit assessment criteria.

Click to expand or contractANZ Frequent Flyer Black
Purchases/Balance TransfersCash Advances
19.99% p.a.21.49% p.a.

All applications for credit are subject to ANZ's credit assessment criteria.

Click to expand or contractANZ Rewards
Purchases/Balance TransfersCash Advances
18.79% p.a.20.99% p.a.

All applications for credit are subject to ANZ's credit assessment criteria.

Click to expand or contractANZ Rewards Platinum
Purchases/Balance TransfersCash Advances
18.79% p.a.20.99% p.a.

All applications for credit are subject to ANZ's credit assessment criteria.

Click to expand or contractANZ Rewards Black
Purchases/Balance TransfersCash Advances
18.79% p.a.20.99% p.a.

All applications for credit are subject to ANZ's credit assessment criteria.

Click to expand or contractANZ Bankcard
Purchases/Balance TransfersCash Advances
17.89% p.a.17.89% p.a.

Click to expand or contractANZ Low Interest MasterCard
Purchases/Balance TransfersCash Advances
15.64% p.a.15.64% p.a.

Click to expand or contractANZ First - Low Interest
Purchases/Balance TransfersCash Advances
14.14% p.a.14.14% p.a.

Click to expand or contractANZ Free Days MasterCard
Purchases/Balance TransfersCash Advances
19.14% p.a.20.99% p.a.

Click to expand or contractANZ Visa PAYCARD
Purchases/Balance TransfersCash Advances
17.64% p.a.17.64% p.a.

Click to expand or contractANZ Rewards Visa PAYCARD
Purchases/Balance TransfersCash Advances
18.50% p.a.18.50% p.a.

Click to expand or contractANZ Credit Card Index Rate
Interest Rate
19.39% p.a.

Terms and conditions available on application. Fees and charges apply.

Click to expand or contractMargin loans

Find out more about Margin loans.

Click to expand or contractANZ Share Investment Loan & ANZ E*TRADE Share Investment Loan Fixed Rate
AmountInterest Rate
$20,000 - $249,9997.15% p.a.
$250,000-$499,9997.00% p.a.
$500,000+6.85% p.a.

Interest rates are subject to change without notice.

Interest rates shown are for a term of 6-12 months, other fixed terms up to 5 years are available.

If you opt to pay in arrears, interest will be charged at 0.25% p.a higher than if you prepay interest.

Click to expand or contractANZ Share Investment Loan & ANZ E*TRADE Share Investment Loan Variable Rate
Interest Rate
Variable Rate7.59% p.a.

This information forms part of the Product Disclosure Statement "ANZ Share Investment Loan Product Disclosure Statement, 5 March 2012".

Terms and Conditions available on application. Fees and charges apply.

Didn't find what you were looking for? Check out our Business interest rates or Corporate interest rates.

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