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Zero monthly account fees. Zip.¹

And no withdrawal fees at major Australian bank ATMs.

Join ANZ Plus

Earn interest on your savings

You could get rewarded with bonus interest when you grow your ANZ Plus Growth Saver balance by $100 or more (on top of any interest you receive) each month.²

Standard rate

0.15% p.a.

on your total ANZ Plus Growth Saver balance each month.2

+ Bonus rate

4.35% p.a.

when you grow your balance by $100 or more (on top of any interest you receive) each month.2

= Standard + bonus

4.50% p.a.

when you meet the bonus rate qualifying criteria.2

Things you need to know about interest

Interest is calculated at the end of each day and paid monthly into your ANZ Plus Growth Saver account.

Your balance is also known as the effective daily balance. This may be different to the balance shown as the "ANZ Plus Growth Saver Funds" in the ANZ Plus app or the balance on your statement. It can be different because:

  • A transaction may not have updated the amount shown - e.g. reversals,
  • A transaction may have updated the amount shown but is not yet fully processed - e.g. a pending transaction,
  • We may not process transactions at the time, on the day or in the order that they're made, or
  • Some transactions may have been processed and updated the amount shown, but are later adjusted.

For more details check out About amounts shown and Earning interest sections of the T&Cs.

Our interest rates, and the balances they apply to, may change. But we’ll be sure to let you know if they do.

With the ANZ Plus Flex Saver, you can earn a great rate on your first $5,000³, with flexibility to move money in and out of your account.

4.50% p.a.

on your first $5,000.3

1.50% p.a.

on every dollar over $5,000.3

Things you need to know about interest

Interest is calculated at the end of each day and paid monthly into your ANZ Plus Flex Saver account.

Different interest rates apply to different parts of the balance of your ANZ Plus Flex Saver account.

Your balance is also known as the effective daily balance. This may be different to the balance shown as the "Flex Saver Funds" in the ANZ Plus app or the balance on your statement. It can be different because:

  • A transaction may not have updated the amount shown - e.g. reversals,
  • A transaction may have updated the amount shown but is not yet fully processed - e.g. a pending transaction,
  • We may not process transactions at the time, on the day or in the order that they're made, or
  • Some transactions may have been processed and updated the amount shown, but are later adjusted.

For more details check out About amounts shown and Earning interest sections of the T&Cs.

Our interest rates, and the balances they apply to, may change. But we’ll be sure to let you know if they do.

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¹ Transaction fees may apply, see the ANZ Plus Deposit Account T&Cs for details of these fees. A $10 monthly fee applies if you link your ANZ Plus Everyday account to your ANZ Plus Home Loan as an offset account.

² 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, 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.

³ 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.

ANZ Plus star rating refers to the ANZ Plus app rating in the Apple App Store. Please refer to the Apple App Store for current rating.

The ANZ Privacy Policy is available at anz.com.au/privacy/centre/policy.