Changes to ANZ rates, fees and agreements

Changes to Terms and Conditions 

Published 24 August 2026

We’re making changes to the Savings & Transaction Products Terms & Conditions. These changes will come into effect on 23 September 2026. 

The changes are being made to enhance clarity, for consistency and to improve the way the products, services, rights and obligations are described.  

Here’s a summary of the changes

• Updating the section that outlines what products and services are covered by the Savings & Transaction Products Terms & Conditions. We’ve also provided more detail on how these terms and conditions work together with other terms and conditions documents.
• Removing references to products and services we no longer offer. The Fees and Charges Customer Banking Services will also be updated to reflect this change.
• Updating the Transaction limits on ANZ Access Cards so they remain current.
• Updating the terms and conditions to reflect that ANZ no longer issues printed statements by post.
• Updating the section relating to unclaimed monies.

The following documents will be updated to reflect these changes and will be available on our website and in our branch from 23 September 2026. 

• ANZ Savings & Transaction Products Terms & Conditions
• Fees and Charges - Customer Banking Services

If you have any questions, please contact us.

Changes to the Access Premium Account and Priority Cash Management Account.

We’re currently reviewing the number of account types we have available and, as part of this, we’re discontinuing the Access Premium Account and Priority Cash Management Account.

If you’re an account holder on either the Access Premium Account or the Priority Cash Management Account, we’re moving your account to a similar account.

The change will happen automatically on 1 June 2026. There’s nothing you need to do.

Access Premium Account

Access Premium Accounts will be moved to the Access Everyday Account.

This won’t change your account number or how you can use this account. You can still make and receive payments as you do today.

What’s changing:

• The name of your account is changing from the Access Premium Account to the Access Everyday Account.
• Some fees are changing:
  • You’ll benefit from a lower Monthly account fee.
  • The fees for ATM withdrawals and Staff assisted transactions are higher.

If you’re a user of ATM withdrawals and Staff assisted transactions, talk to us about our debit cards, and using digital banking such as ANZ Internet Banking and the ANZ Pacific App, for a faster and more efficient way of banking. If you for any reason have any concerns or difficulty regarding digital banking or cards, please let us know so we can support you.

Priority Cash Management Account

Priority Cash Management Accounts will be moved to the Pacific Savings Account.

This won’t change your account number or how you can use the account and there’s no change to your fees and charges.

What’s changing:

• The name of your account is changing from the Priority Cash Management Account to the Pacific Savings Account.
• The interest rate is changing. If you meet the minimum balance on the Pacific Savings Account, you’ll have an increase to the rate you earn. For the times you do not meet the minimum balance, you’ll earn 0.00% p.a. See the tables below for detail.

Priority Cash Management Account interest rates (your existing account):

*Interest is calculated based on your end of day account balance. The account balance used on non-business days is the account balance for the previous business day.

Pacific Savings Account interest rates (your new account):

*Interest is earned when you have an end of day account balance of $100 or more. The account balance used on non-business days is the account balance for the previous business day.

You can find more information about these products, terms and conditions and fees and charges on anz.com/cookislands. 

If you have any questions, please call us on +682 21750 or visit the ANZ branch. 

Fees, charges and interest rates are subject to change. All interest rates are advised on a per annum (p.a.) basis. ANZ terms and conditions and fees apply.