What type of money person are you?
You're a Whoa, Nellie!
The big squeeze is on and you're anticipating further belt-tightening. You might bring your own water and snacks to the cinema. That new plasma TV will just have to wait. Basically, all your non-essential spending is on a crash-diet until things improve.
To make the most of all that financial willpower you're exercising right now, you need to make sure your money is working for you. Take a look at these three products which may suit your needs.
- ANZ Access Select
If your top priority is saving money everywhere you can, and you have no trouble controlling the number of monthly transactions you make, this product could be perfect for you.- Get six free electronic transactions per month for just $2 per month1
- Unlimited ANZ Internet Banking and direct debits – great for paying bills
- ANZ Everyday Visa Debit
Get more flexibility from your banking by combining the worldwide acceptance of Visa with everyday access to your own money.- Shop by web or phone - here and overseas - at more than 24 million outlets worldwide
- Unlimited ANZ transactions via ANZ ATMs, EFTPOS and ANZ Internet & Phone Banking2
- ANZ Term Deposit
Enjoy peace of mind in uncertain times. Keep your savings in an ANZ Term Deposit3, with a fixed rate of return.- Choose investment terms to suit you
- Predictable growth rates for your savings
You're a Spendshifter.
You're not shopping less, just shopping smarter. If a can of brand-name peaches tastes more or less the same as a can of no-name peaches, why pay more for a colourful label?
Your common sense will keep you in good stead in times like these, but ANZ can help make your money go even further. Take a look at these three products which may suit your needs.
- ANZ Low Rate MasterCard®
Save money on your credit card payments by consolidating them onto one card with an ongoing competitive rate of interest.- 12.24% p.a. low interest rate1 on purchases
- Up to 55 days interest free credit on purchases2
- ANZ Everyday Visa Debit
Get more value from your banking by combining the world-wide acceptance of Visa with everyday access to your own money.- Use your own money to shop online, overseas or over the phone around the world
- Unlimited ANZ transactions for just $6 a month at ANZ ATMs, ANZ Phone Internet Banking and ANZ Branch Transactions3
- ANZ Online Saver
Switch money between your everyday account and an ANZ Online Saver to benefit from a competitive variable interest rate4.- 24/7 access to your money via ANZ Internet and Phone Banking5
- Flexibility to set up multiple accounts for different purposes
You're a Legitimiser.
You consider it your civic duty to shop: there's nothing you like more than a sale, special offer or the promise of something free. You'll snap up two identical items in a 2 for 1 deal or justify a purchase for tax benefits if it helps rationalise your spending. But in tighter times, you don't want to feel reckless.
Some expenses are unavoidable, but in banking you can easily ensure you get something more for your money. Take a look at these three products which may suit your needs.
- ANZ Online Saver
Continue to enjoy guilt-free shopping by separating your savings from your everyday account.- Earn interest on money while still having access to your cash1
- Stay on track of your savings goals – set up a regular payment from your everyday account into your ANZ Online Saver
- ANZ Access Advantage
Try pairing your ANZ Online Saver with an ANZ Access Advantage for a great deal on your everyday banking.- Get unlimited ANZ transactions for just $5 a month2
- Use these transactions on ANZ ATMs, EFTPOS, ANZ Internet and Phone Banking, direct debits and ANZ branches
- ANZ Balance Visa
If you want to be rewarded for repaying your balance, consider switching to an ANZ Balance Visa.- Be rewarded for every dollar you repay with Cashback3
- Or redeem your Rewards Points for Shopping Vouchers and Gift Cards at retailers like Myer and David Jones
You're a Mini-Treater.
"Look how good I've been! Surely I deserve a small reward?"
This thought crosses your mind with surprising regularity. If you cancel a plan or forgo spending on something significant, you'll make it up by ordering from the gourmet section of the take-away pizza menu or treating yourself to a new lipstick.
You obviously have discipline when you need it and you're quite justified in rewarding yourself for good savings behaviour. Take a look at these three products which may suit your needs.
- ANZ Online Saver
This product lets you keep track of your savings while earning you a competitive interest rate. Call it your "Mini-Treat Fund".- Have the flexibility to set up multiple accounts for different purposes1
- Add money to and access your funds as often as you like through ANZ Internet and phone banking2
- ANZ Balance Visa
Reduce your credit card debt and take control of your finances during uncertain economic times, while being rewarded for all your hard work.- Be rewarded for reducing your balance with Cashback3
- Or redeem your Rewards Points for Shopping Vouchers and Gift Cards for retailers like Myer and David Jones
- ANZ Access Advantage
Try pairing your ANZ Online Saver with an ANZ Access Advantage for your everyday banking.- Get unlimited ANZ transactions for just $5 a month4
- Use these transactions on ANZ ATMs, EFTPOS, ANZ Internet and Phone Banking, direct debits and ANZ branches
You're a She'll be righter.
Global Financial Crisis? Surely that's just another over-hyped phrase dreamed up by financial doomsayers. You're optimistic about the future and see no reason to compromise your behaviour. Spending is a good way to boost the economy, so really you're just doing your bit for the country.
Hopefully you're in the kind of comfortable financial position that allows you to remain blissfully unaffected by the ups and downs of the economy - but it's always good to review your banking in tough times. Take a look at these three products which may suit your needs.
- ANZ Access Advantage
Consolidating your everyday banking with ANZ is a good place to start.- Get unlimited ANZ transactions for just $5 a month1
- Unlimited transactions on ANZ ATMs, EFTPOS, ANZ Internet and Phone Banking, direct debits and ANZ branches
- ANZ Online Saver
Get more from your money. Switch money between your everyday account and an ANZ Online Saver to benefit from a competitive variable interest rate.2- 24/7 access to your money via ANZ Internet and Phone Banking3
- Flexibility to set up multiple accounts for different purposes
- ANZ Personal Banker
Sit down with an ANZ Personal Banker to review your banking arrangements and explore whether you have the right accounts to suit your personal situation and objectives.- Simplify or consolidate accounts
- Find ways to help you make more from your money
You're a Hay-Maker.
There's nothing like an economic downturn to capitalise on a good opportunity. You can often be found scouring the auction results in the paper or haggling with car salesmen. You have a keen eye out for bargains and intend to make the most of it.
You're in a position to swoop on bargains and opportunities as they arise. But you don't have to be Bill Gates to do well in uncertain times. Take a look at these three products which may suit your needs.
- ANZ Travel Card
If you want to take advantage of discounted airfares or holiday bargains, don't go overseas without an ANZ Travel Card- Load the card1 with your own money and lock-in your exchange rate before you travel
- Avoid fluctuating exchange rates and currency conversion fees
- ANZ Financial Planners2
Make the most of opportunities that present themselves by speaking with one of our ANZ Financial Planners.- Skilled at offering financial advice and putting together a plan that's right for you
- Take the time to understand your personal requirements and your financial situation
- Australia's most awarded home lender3
If you've decided now's a great time to buy another property, why not talk to us about our range of home and investment loans or how you can use the equity in your home to buy an investment property.- Great home loan features such as redraw, 100% mortgage offset and the ability to split your loan.
- Make repayments via a variety of different channels, such as Direct Loan Payment, Internet Banking and Phone Banking
