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Changes to ANZ rates, fees and agreements

Changes to ANZ interest rates

Notice published 14 April 2025

We’re reducing some of the interest rates on ANZ Term Deposits, effective 14 May 2025.

We’ve summarised the changes below.

ANZ Term Deposits ($5,000 - $250,000)

Terms	Current interest rate	New interest rate
1 month	0.90% p.a.	0.90% p.a.
3 months	1.80% p.a.	1.10% p.a.
6 months	2.10% p.a.	1.10% p.a.
9 months	2.50% p.a.	1.50% p.a.
12 months	2.65% p.a.	1.65% p.a.

Term deposit interest rates are available for Retail Banking customers. For interest rates on term deposits in excess of $250,000 or outside the above terms, please contact us. All interest rates are subject to change after the fixed term. All interest rates are advised on a per annum (p.a.) basis. ANZ terms and conditions and fees apply.

These changes will be reflected on our interest rates page from 14 May 2025.

If you have any questions, please do not hesitate to contact us on +682 21 750 (toll charges may apply) or visit the ANZ branch.

Changes to ANZ fees and charges

We’re making changes to some of our fees and charges for personal, business and commercial customers. These changes will come into effect from 9 September 2024.

The main reason is to simplify the way our fees and charges work, or to reduce or remove them entirely.

Here’s a summary of the changes:

Reducing the cost of fees for certain services.
Increasing certain fees to better reflect the cost to us of providing those products and services. These include:
- Staff assisted transaction fee for some Personal and Business Cheque account customers with free alternative options through digital channels
- Loan approval fees for some loan amounts
- Line fee for some customers with a Business Overdraft
- Cheque books although other cheque related fees are removed
- Printing fee for interim statement issued upon customer request
- Term Deposit early withdrawal fees and charges in some circumstances
Combining similar fees into one fee to reduce complexity.
Simplifying retail loan approval fees, so that all of our customers are charged the same fee for each loan type and are not charged more for higher loan amounts.
Simplifying business and commercial fees to reduce complexity.
Removing some fees and services.
Making some other changes to the documents.

Further detail of these changes can be found on our fee changes page. If you have any questions, please do not hesitate to contact us on +682 21750 or visit an ANZ branch.

These documents will be updated to reflect the changes:

ANZ Savings & Transaction Products Terms and Conditions
ANZ Fees and Charges Customer Banking Services
ANZ Consumer Lending Products Terms and Conditions.

Updated copies of these documents will be available from 9 September 2024 on our fees and charges page or our product terms and conditions page and in our branches upon request.

Changes to the ANZ Electronic Banking Conditions

We are removing the requirement to notify customers of functional changes or upgrades to electronic banking services, from the ANZ Electronic Banking Conditions.

This change will take effect on 8 April 2024.

The updated ANZ Electronic Banking Conditions will be available online, from 8 April 2024.

Changes to the ANZ Pacific POS Merchant Services Terms and Conditions

Effective from 1 July 2023

We’re updating the ANZ Pacific POS Merchant Services Terms and Conditions to include specific terms and conditions for merchant-initiated recurring transactions. These changes will be effective from 1 July 2023.

For any information on merchant-initiated recurring transactions, please contact our ANZ Digital Channels team on DCM-CookIslands@anz.com.

The updated ANZ Pacific POS Merchant Services Terms and Conditions will be available on our product terms and conditions page from 1 July 2023.

Important information

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