ANZ

The ANZ website contains the following categories:

Interest Rates

Interest Rates on ANZ Personal products current as at Wednesday, 15 October 2014.
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 contractHousing loans - Interest rates and reference rates.

Find out more about Home loans.

Click to expand or contractANZ Standard Variable Rate (Home Loan Index)
Interest RateComparison Rate
Variable Rate5.88% p.a.5.98% p.a.

ANZ Breakfree Loan Package is available with this loan.

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.

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

Click to expand or contractANZ Fixed Interest Rates (with Breakfree Package)
TermInterest RateComparison Rate
1 year4.79% p.a.5.35% p.a.
2 years4.84% p.a.5.33% p.a.
3 years4.94% p.a.5.34% p.a.
4 years5.49% p.a.5.52% p.a.
5 years4.99% p.a.5.33% p.a.
7 years7.54% p.a.6.79% p.a.
10 years7.54% p.a.7.18% p.a.

This Comparison Rate is for a loan of $150,000 over 25 years.

WARNING: This Comparison Rate applies only to the example or examples given and includes the ANZ Breakfree Package fee and standard discounts and fee waivers under ANZ Breakfree. Different amounts and terms will result in different Comparison Rates. The calculation of this Comparison Rate includes the ANZ Breakfree Package Fee and certain discounts and fee waivers which are ANZ Breakfree Benefits, such as the Loan Approval Fee waiver. Early Repayment Costs are not included in the Comparison Rate but may influence the cost of the loan if you make early or additional repayments.

A Comparison Rate schedule (PDF 68kB) is available at any ANZ branch.

Click to expand or contractANZ Fixed Interest Rates (without Breakfree Package)
TermInterest RateComparison Rate
1 year4.94% p.a.5.84% p.a.
2 years4.99% p.a.5.77% p.a.
3 years5.09% p.a.5.73% p.a.
4 years5.64% p.a.5.87% p.a.
5 years5.14% p.a.5.65% p.a.
7 years7.69% p.a.7.03% p.a.
10 years7.69% p.a.7.33% p.a.

ANZ Breakfree Loan Package is available with this loan.

Comparison Rate calculated on a loan amount of $150,000 over a term of 25 years based on monthly repayments. These rates are for secured loans only.

WARNING: Comparison Rates apply 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 Simplicity PLUS
Interest RateComparison RateDiscount Rate
Variable Rate5.18% p.a.5.23% p.a.Not applicable


Comparison Rate calculated on a loan amount of $150,000 over a term of 25 years based on monthly repayments. These rates are for secured loans only.

WARNING: Comparison Rates apply 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 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:
- Standard Variable Rate Residential and Investment Loans and ANZ Equity Manager facilities
- ANZ Fixed Rate Home and Residential Investment Loans.

Click to expand or contractANZ Easy Start
Interest RateComparison Rate
Discount Variable Rate for one year4.56% p.a.5.55% p.a.

Reverts to ANZ Standard Variable Rate at end of discount period. Ongoing discount margin may apply to some loans. See your Letter of Offer for details.

This product is no longer available for sale.

Comparison Rate calculated on a loan amount $150,000 over a term of 25 years based on monthly repayments. These rates are for secured loans only.

WARNING: Comparison Rates apply 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 Land Loan
Interest RateComparison Rate
Variable Rate5.88% p.a.5.98% p.a.

Comparison Rate calculated on a loan amount $150,000 over a term of 25 years based on monthly repayments. These rates are for secured loans only.

WARNING: Comparison Rates apply 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 Money Saver
Interest RateComparison Rate
Variable Rate5.48% p.a.5.64% p.a.

This product is no longer available for sale.

Comparison Rate calculated on a loan amount $150,000 over a term of 25 years based on monthly repayments. These rates are for secured loans only.

WARNING: Comparison Rates apply 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 Supplementary Loan
Interest RateComparison Rate
Variable Rate5.88% p.a.7.25% p.a.

ANZ Breakfree Loan Package is available with this loan.

Comparison Rate calculated on a loan amount $30,000 over a term of 5 years based on monthly repayments. These rates are applicable for secured loans only.

WARNING: Comparison Rates apply 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 Home Improvement Loan
Interest RateComparison Rate
Variable Rate5.88% p.a.7.25% p.a.

Comparison Rate calculated on a loan amount $30,000 over a term of 5 years based on monthly repayments. These rates are applicable for secured loans only.

WARNING: Comparison Rates apply 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 contractEquity Loans - Interest rates and reference rates

Find out more about Equity loans.

Click to expand or contractANZ Equity Manager
Interest Rate
Variable Rate6.03% p.a.

ANZ Breakfree Loan Package is available with this loan.

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:
- Standard Variable Rate Residential and Investment Loans and ANZ Equity Manager facilities
- ANZ Fixed Rate Home and Residential Investment Loans.

Click to expand or contractANZ Home Equity Loan
Interest Rate
Variable Rate6.38% p.a.

This product is no longer available for sale.

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.

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 Rate5.88% p.a.5.98% p.a.

ANZ Breakfree Loan Package is available with this loan.

Comparison Rate calculated on a loan amount of $150,000 over a term of 25 years based on monthly repayments. These rates are for secured loans only.

WARNING: Comparison Rates apply 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 Interest Rates (with Breakfree Package)
TermInterest RateComparison Rate
1 year4.79% p.a.5.35% p.a.
2 years4.84% p.a.5.33% p.a.
3 years4.94% p.a.5.34% p.a.
4 years5.49% p.a.5.52% p.a.
5 years4.99% p.a.5.33% p.a.
7 years7.54% p.a.6.79% p.a.
10 years7.54% p.a.7.18% p.a.

Click to expand or contractANZ Fixed Interest Rates (without Breakfree Package)
TermInterest RateComparison Rate
1 year4.94% p.a.5.84% p.a.
2 years4.99% p.a.5.77% p.a.
3 years5.09% p.a.5.73% p.a.
4 years5.64% p.a.5.87% p.a.
5 years5.14% p.a.5.65% p.a.
7 years7.69% p.a.7.03% p.a.
10 years7.69% p.a.7.33% p.a.

ANZ Breakfree Loan Package is available with this loan.

Comparison Rate calculated on a loan amount of $150,000 over a term of 25 years based on monthly repayments. These rates are for secured loans only.

WARNING: Comparison Rates apply 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 Simplicity PLUS
Interest RateComparison RateDiscount Rate
Variable Rate5.18% p.a.5.23% p.a.Not applicable

Comparison Rate calculated on a loan amount of $150,000 over a term of 25 years based on monthly repayments. These rates are for secured loans only.

WARNING: Comparison Rates apply 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 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:
- Standard Variable Rate Residential and Investment Loans and ANZ Equity Manager facilities
- ANZ Fixed Rate Home and Residential Investment Loans.

Click to expand or contractANZ Easy Start
Interest RateComparison Rate
Discount Variable Rate for 1 year4.56% p.a.5.55% p.a.

Reverts to ANZ Standard Variable Rate at end of discount period. Ongoing discount margin may apply to some loans. See your Letter of Offer for details.

This product is no longer available for sale.

Comparison Rate calculated on a loan amount $150,000 over a term of 25 years based on monthly repayments. These rates are for secured loans only.

WARNING: Comparison Rates apply 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 Land Loan
Interest RateComparison Rate
Variable Rate5.88% p.a.5.98% p.a.

Comparison Rate calculated on a loan amount $150,000 over a term of 25 years based on monthly repayments. These rates are for secured loans only.

WARNING: Comparison Rates apply 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 Money Saver
Interest RateComparison Rate
Variable Rate5.48% p.a.5.64% p.a.

This product is no longer available for sale.

Comparison Rate calculated on a loan amount $150,000 over a term of 25 years based on monthly repayments. These rates are for secured loans only.

WARNING: Comparison Rates apply 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 Supplementary Loan
Interest RateComparison Rate
Variable Rate5.88% p.a.7.25% p.a.

Comparison Rate calculated on a loan amount $30,000 over a term of 5 years based on monthly repayments. These rates are applicable for secured loans only.

WARNING: Comparison Rates apply 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 Interest in Advance Loan - Yearly
TermInterest Rate with BreakfreeInterest Rate
1 year4.59% p.a.4.74% p.a.
2 years4.64% p.a.4.79% p.a.
3 years4.74% p.a.4.89% p.a.
4 years5.29% p.a.5.44% p.a.
5 years4.79% p.a.4.94% 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.

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 from13.69% p.a. 115.55% p.a. 2

1. Rates as at Wednesday, 8th October 2014 and includes 1% p.a. of the variable interest rate for new Personal Loans.

2. 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
13.26% p.a. (ANZ Retail Index Rate + 4%)

Click to expand or contractANZ Assured
Interest Rate
17.41% p.a. (ANZ Retail Index Rate + 8.15%)

Click to expand or contractANZ Graduate Loan
Interest RateComparison Rate
Variable Rate13.69% p.a.15.55% p.a.

Rates as at Monday, 6th October 2014 and includes 1% p.a. off the variable interest rate for new Personal Loans until 17 November 2014.

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.

Click to expand or contractANZ Retail Index
Interest Rate
9.26% p.a.

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 rate8.83% p.a.9.68% 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 applies only to the example or examples given. Different amounts and terms will result in different Comparison Rates. Costs such as 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.

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.

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.

Click to expand or contractANZ Progress Saver
AmountBase RateBonus RateTotal
$1 - $4990.01% p.a.3.60% p.a.3.61% p.a.
$500 - $2,9990.01% p.a.3.60% p.a.3.61% p.a.
$3,000-$4,9990.01% p.a.3.60% p.a.3.61% p.a.
$5,000-$9,9990.01% p.a.3.60% p.a.3.61% p.a.
$10,000-$19,9990.01% p.a.3.60% p.a.3.61% p.a.
$20,000-$49,9990.01% p.a.3.60% p.a.3.61% p.a.
$50,000-$99,9990.01% p.a.3.60% p.a.3.61% p.a.
$100,000 plus0.01% p.a.3.60% p.a.3.61% p.a.

Bonus interest is subject to eligibility. You will be eligible to receive bonus interest in respect of a particular month if the set minimum deposit (currently $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.

Package Bonus Rate Customer- not available for new applications
For existing ANZ Progress Saver accounts receiving a Package Bonus Rate under an ANZ Breakfree package, ANZ Everyday Banking Package or ANZ Staff Package,the Package Bonus Rate (an additional 0.35% p.a. above the bonus rate) will apply while the account remains eligible.

Click to expand or contractANZ Progress Saver ANZ@Work program bonus rate
AmountBase RateBonus RateTotal
$1 - $4990.01% p.a.3.70% p.a.3.71% p.a.
$500 - $2,9990.01% p.a.3.70% p.a.3.71% p.a.
$3,000-$4,9990.01% p.a.3.70% p.a.3.71% p.a.
$5,000-$9,9990.01% p.a.3.70% p.a.3.71% p.a.
$10,000-$19,9990.01% p.a.3.70% p.a.3.71% p.a.
$20,000-$49,9990.01% p.a.3.70% p.a.3.71% p.a.
$50,000-$99,9990.01% p.a.3.70% p.a.3.71% p.a.
$100,000 plus0.01% p.a.3.70% p.a.3.71% p.a.

You will be eligible to receive bonus interest in respect of a particular month if the set minimum deposit (currently $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.

ANZ@Work bonus rate applies to ANZ Progress Saver accounts attached to ANZ@Work program.

Click to expand or contractANZ First Home Saver Account
Base RateBonus RateTotal
3.00% p.a.0.00% p.a.3.00% p.a.

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 - $249,9992.00% p.a.
$250,000 - $499,9992.75% p.a.
$500,000 - $999,9993.10% p.a.
$1,000,000 - $2,999,9993.25% p.a.
$3,000,000 - $4,999,9993.25% p.a.
$5,000,000 plus3.25% p.a.

Click to expand or contractANZ Online Saver
Interest Rate
2.50% p.a.

Click to expand or contractANZ V2 PLUS
Interest Rate
ANZ V2 PLUS retail1.00% p.a.
ANZ V2 PLUS wholesale2.50% p.a.

Interest rates apply to balances $5,000 plus.

ANZ V2 PLUS retail is no longer available to new business.

Wholesale rate only applies to ANZ Intermediary clients.

Click to expand or contractANZ Premium Cash Management Account
AmountInterest Rate
$1-$9,9990.00% p.a.
$10,000 - $24,9991.00% p.a.
$25,000 - $49,9991.00% p.a.
$50,000 - $99,9991.00% p.a.
$100,000 - $249,9991.50% p.a.
$250,000 - $499,9991.50% p.a.
$500,000 - $4,999,9992.50% p.a.
$5,000,000 plus2.50% p.a.

Click to expand or contractANZ Prime Cash Management Account
Interest Rate
Variable Rate2.50% p.a.

Please note the ANZ Prime CMA can only be opened through your participating investment manager.

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.

Click to expand or contractANZ Term Deposit
TermInterest at MaturityMonthly InterestQuarterly InterestHalf Yearly InterestAnnual Interest
1 < 2 months2.50% p.a.
2 < 3 months2.50% p.a.2.50% p.a.
3 < 4 months*2.90% p.a.2.89% p.a.
4 < 5 months2.50% p.a.2.49% p.a.2.50% p.a.
5 < 6 months2.50% p.a.2.49% p.a.2.49% p.a.
6 < 7 months*2.95% p.a.2.93% p.a.2.94% p.a.
7 < 8 months2.50% p.a.2.48% p.a.2.49% p.a.2.50% p.a.
8 < 9 months2.50% p.a.2.48% p.a.2.49% p.a.2.49% p.a.
9 < 10 months2.50% p.a.2.48% p.a.2.48% p.a.2.49% p.a.
10 < 11 months2.50% p.a.2.48% p.a.2.48% p.a.2.49% p.a.
11 < 12 months2.50% p.a.2.47% p.a.2.48% p.a.2.49% p.a.
12 < 18 months*3.15% p.a.3.16% p.a.3.17% p.a.3.20% p.a.
18 < 24 months*3.15% p.a.3.16% p.a.3.17% p.a.3.20% p.a.
24 < 36 months*3.25% p.a.3.26% p.a.3.27% p.a.3.30% p.a.
36 < 48 months*3.45% p.a.3.45% p.a.3.47% p.a.3.50% p.a.
48 < 60 months*3.74% p.a.3.75% p.a.3.76% p.a.3.80% p.a.
60 months*3.93% p.a.3.94% p.a.3.96% p.a.4.00% 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 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.

AmountInterest Rate
Balances below $2,0000.75% p.a.
Balances between $2,000 and $44,6002.00% p.a.
Balances over $44,6003.50% p.a.

Interest rates are banded.

Click to expand or contractANZ Passbook Pensioner Advantage Account
AmountInterest Rate
Balances below $2,0000.75% p.a.
Balances between $2,000 and $44,6002.00% p.a.
Balances over $44,6003.50% p.a.

Interest rates are banded, and this product is no longer available to new business.

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.

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

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

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

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

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

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

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

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

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

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

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

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 contractInvestment lending

Find out more about Investment lending.

Click to expand or contractANZ Share Investment Loan & ANZ E*TRADE Share Investment Loan Fixed Rate
AmountInterest Rate
$20,000 - $249,9997.40% p.a.
$250,000-$499,9997.25% p.a.
$500,000+7.10% 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 Rate7.84% 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.

You need Adobe Reader to view PDF files. You can download Adobe Reader free of charge.