Make the most of your money

Make the most of your money

Getting access to your anz@work benefits is easy. Simply open an ANZ Access Advantage account and have your salary paid into this account. Make sure you tell us you're an anz@work customer so we can apply your benefits.

  1. anz@work benefits
  2. Banking made easy
  3. Current specials

Broad product range

anz@work has the potential to provide employees with substantial savings and additional benefits on: home lending, everyday banking & savings accounts, credit cards, fixed term investing accounts, financial planning & education, personal finance, gearing and online share investing, superannuation, general insurance and travel.

Both new and existing customers are eligible to receive a range of anz@work benefits. See below for more details

Home loans
Home Loans

ANZ Breakfree Package - more rewarding.

By bundling together your home loan, bank account and credit card, you can enjoy the range of benefits offered by our popular ANZ Breakfree Package.*

As an anz@work customer, you get the annual fee ($395) waived for the first year,1 in addition to the following standard ANZ Breakfree Package benefits:

  • Interest rate discounts on eligible home loans or residential investment loans linked to the package2
  • Fees waived - you won't pay loan approval fees or loan administration charges3
  • Monthly account fee waived on one nominated transaction account, including ANZ One 100% offset account
  • Annual fee waived on one eligible ANZ credit card4
  • Insurance discounts5
  • Financial planning - complimentary, no-obligation meeting.6

Find out more about all the offers under ANZ Breakfree and see how much you could save: visit

EveryDay Banking Accounts
Everyday Banking Accounts

Monthly Account Service Fee (usually $5) waived on one nominated ANZ Access Advantage account with Visa Debt, on application for fee waiver at an ANZ branch (if your salary is paid into this account).^

Use your ANZ Access Visa Debit card7 on your everyday account to shop with your own money online, overseas or over the phone, anywhere Visa is accepted. All ANZ debit and credit cards enjoy the added security of ANZFalconTM and ANZ Fraud Money Back Guarantee.8

You can also apply for an optional ANZ Assured overdraft facility of $500 or $1,000 to be linked to your account to help avoid issues like declined transactions, bounced cheques and overdrawn fees22.

Credit Cards
Credit Cards

ANZ First Visa

Pay no Annual Account Fee for the first 12 months.9

ANZ Low Rate MasterCard Classic

0% p.a. for the first sixteen months on balances transferred from a non-ANZ credit card (plus 2.0% Balance Transfer Fee) plus pay no Annual Account Fee for the first 12 months.10 Reverts to standard balance transfer rate, currently 21.74% p.a.

ANZ Rewards Platinum & ANZ Rewards Black

New applicants receive 50,000 bonus Reward Points when you spend $2,500 on eligible purchases in the first 3 months and no annual fee for the first year (includes the Total Annual Fee and Additional Cardholder Fees).11

For information on all our credit card promotional offers see:

Savings Accounts
Savings Accounts

ANZ Progress Saver

Earn bonus interest with ANZ Progress Saver12 when you make at least one single deposit of $10 or more in a month and no withdrawals or debits in that same month. Check current bonus interest rates. Benefits start from the time the request is processed at an ANZ branch and will not be backdated.

ANZ Term Deposits

Earn a bonus 0.20% p.a. interest on select ANZ term deposits (ANZ Advance Notice Term Deposit or ANZ Term Deposit). The bonus offer applies to standard interest rates as advertised on for amounts $5,000 to $99,999. Existing term deposits are only eligible for the 0.20% p.a. bonus at their maturity date. Mid-term rate changes cannot be applied.13

Financial Planning
Financial Planning

An initial conversation with one of our qualified ANZ Financial Planners is complimentary and without obligation.14

ANZ Share Investment Loans
ANZ Share Investment Loans

Share Investment Loans at a discount.

An ANZ Share Investment Loan allows you to unlock the equity held in your shares or managed funds. By adding borrowed money to your own funds, you can increase the amount of money you can invest.15

You’ll be entitled to receive a discount of 0.65% p.a. off the standard variable rate and 0.50% p.a. off the standard fixed interest rate (a minimum credit limit of $20,000 applies).15

ANZ Share Investing
ANZ Share Investing

Share trading at a discount

ANZ Share Investing allows you to manage your own wealth creation by buying and selling shares directly online. You’ll receive a discounted brokerage rate of the greater of $14.95 or 0.11% of the value of the trade (GST inclusive).16

Personal Loans
Personal Loans

$0 Loan Approval Fee (normally $150) on all ANZ Fixed and Variable Rate Personal Loans17

Car loans
Car Loans

Get a 50% discount on the Loan Establishment Fee, for new ANZ Secured Car Loan applications.18


Now that you're making the most of your finances, it's time to focus on helping to protect your assets. Speak to us about general insurance and you could receive these discounts on a range of products:5

  • Discount on first year premium when you take out ANZ Home Insurance, ANZ Landlord Insurance or ANZ Car Insurance.5 Plus you may receive a multi policy discount up to 12.5% off your annual premium when you hold multiple policies with us.5
  • Discount on your premium when you take out ANZ Mortgage Protection.5
  • Discount on your premium when you take out ANZ Loan Protection.5

For more information, visit


ANZ Smart Choice Super helps you take control of your super, online anytime, with ANZ Internet Banking and the ANZ goMoney app.19

For more information, visit

For even more control, ANZ Self Managed Super20 makes it easier to set up and manage your SMSF, with online access and SMSF specialist support.

For more details visit


Travel Cards

Have your $11 card issuance fee waived. Worry less about taking money overseas and take an ANZ Travel Card.

ANZ Travel Card is a Prepaid Visa card that has been specially designed to give you convenient access to your own money - in the currency of your choice - while you're travelling. Choose from up to 10 different currencies and shop with confidence using your ANZ Travel Card at any one of the 29 million locations worldwide wherever Visa cards are accepted electronically.

For more information, visit ANZ Travel Card.


Foreign Currency cash and ANZ Cash Packs.

Pay $0 Commission on buying or selling of either loose foreign currency or ANZ Cash Pack21.

ANZ Cash Packs offer a convenient and counterfeit-safe break down of foreign cash in either USD (US Dollars), EUR (European Euros), GBP (British Pound), NZD (New Zealand Dollars) or THB (Thai Baht).

You can now skip the money exchange queues, go and buy a coffee or get into a taxi and start your holiday sooner.

For more information, visit loose foreign currency or ANZ Cash Packs.

We've got better ways to bank.

The less time you spend in a bank, the more time you have for yourself. It's as simple as that. As an ANZ customer, you've got a variety of simple and secure ways to manage your money. Just choose whatever is most convenient to you.

Find out more about better ways to bank.

We've taken the hassle out of switching to ANZ

It's easy to switch your banking to ANZ. Once you've set up with an ANZ account, you'll be given two options for moving over all your regular payments - either with our Assisted Switching Service or using our Online Switching Service.

Switch today by using transferring to ANZ.

See how you can combine ANZ’s current offers with the added benefits of anz@work:

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ANZ Fixed Home and Residential Investment Loans

An ANZ Fixed Home or Residential Investment Loan# offers you the certainty of knowing what your repayments are for the fixed period, and safeguards you against any increase in interest rates.

Take advantage of our fixed rates, available to everyone as part of the ANZ Breakfree Package. Plus, as an anz@work customer you get your ANZ Breakfree Package annual fee waived for the first year.1

ANZ Fixed Loans - What happens if you repay some or all of it early? (PDF 92kB)

Speak to us today to find out more, or visit ANZ Fixed Loans.