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Changes to ANZ rates, fees and agreements

Changes to Terms and Conditions

We’re making changes to some of our Terms and Conditions. These changes will come into effect from 15 October 2025.

We’re making changes to these documents 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:

ANZ Savings & Transaction Products Terms and Conditions

Amending the section describing how we can make changes to the terms and conditions, products and services. We have added more detail on the kinds of changes we might make to your product or service. We have also simplified the wording on how we will let you know of changes and the notice that we will give you.
Updating the ways that we may give notice and communicate with you to allow for greater flexibility in how we get in touch with you.
To give greater flexibility to how we return funds to you if your account is closed, we will no longer have to send a bank cheque.
Providing greater clarity to customers on the governing law and jurisdiction of the Fiji courts.
Explaining in more detail how we calculate interest on non-business days and updating some of the sections on processing of electronic payments. This includes adding a page on our website providing more information.
Adding the terms that apply when you arrange a Telegraphic Transfer.
Adding references to the ANZ Pacific App and removing some references to services that are no longer available such as phone banking.
Updating some other details.

ANZ Electronic Banking Conditions

Updating some of the sections on processing of electronic payments. This includes adding a page on our website providing more information.
Providing more information on what to do if you are not happy with how we have resolved a complaint.

ANZ General Terms and Conditions

Updating the Fiji Country Schedule to include more information on how we calculate interest on non-business days.

The following documents will be updated to reflect these changes and will be available on our website and in our branches from 15 October 2025.

ANZ Savings & Transaction Products Terms and Conditions – Fiji Edition
ANZ Electronic Banking Conditions
ANZ General Terms and Conditions – Fiji Country Schedule

If you have any questions, please contact us on 132411 (local) or +679 321 3000 (overseas) or visit an ANZ branch.

Changes to ANZ interest rates

Notice published 31 January 2025

We’re reducing some of the interest rates on ANZ Term Deposits and ANZ Priority Cash Management Accounts, effective 3 March 2025.

We’ve summarised the changes below.

ANZ Term Deposits

Terms	Current interest rate	New interest rate
9 to less than 12 months	0.15% p.a.	0.05% p.a.
12 to less than 18 months	0.25% p.a.	0.15% p.a.
18 to less than 24 months	0.25% p.a.	0.15% p.a.
24 to less than 36 months	0.25% p.a.	0.15% p.a.
36 to less than 48 months	0.25% p.a.	0.15% p.a.
48 to less than 60 months	0.25% p.a.	0.15% p.a.
60 months	0.25% p.a.	0.15% p.a.

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.

ANZ Priority Cash Management Accounts

Balance tier	Current interest rate	New interest rate
$25,000-$49,999.99	0.10% p.a.	0.05% p.a.
$50,000-$99,999.99	0.15% p.a.	0.10% p.a.
$100,000+	0.20% p.a.	0.10% p.a.

All 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.

These changes will be reflected on our interest rates page from 3 March 2025.

If you have any questions, please do not hesitate to contact us on 132 411 (local), +679 321 3000 (overseas) or visit an ANZ branch.

Change to foreign cheques

From 16 December 2024, we will no longer accept foreign cheques of any currency for deposit into ANZ accounts.

If you currently receive payment by foreign cheques, you’ll need to start using alternative options to receive foreign currencies from this date.

The following documents will be updated to reflect this change:

ANZ Savings & Transaction Products Terms and Conditions
ANZ International Services Fees and Charges Brochure

Updated copies of these documents will be available from 16 December 2024 online and in our branches upon request.

If you have any questions, visit your local branch or call us on 132 411 (local), +679 321 3000 (overseas).

Change to how we distribute statements for everyday banking accounts, loans and lending facilities, and credit cards

From 18 November 2024, we will no longer post printed statements for everyday banking accounts, loans and lending facilities, and credit cards to personal, business and commercial customers.

You can access your everyday banking, loans and lending facilities and credit card statements by using our digital services - the ANZ Pacific App, ANZ Internet Banking, and ANZ Transactive* (if applicable).

The following terms and conditions will be updated to reflect that we will no longer be posting printed statements:

ANZ Savings & Transaction Products Terms and Conditions

An updated copy of these terms and conditions will be available from 18 November 2024 online and in our branches upon request.

If you're not registered for any of our digital services or have any questions, visit your local branch or call us on 132 411 (local), +679 321 3000 (overseas). Terms and conditions apply to our digital services.

*Lending facility statements and credit card statements are not available on ANZ Transactive.

Changes to the cash handling fee

We’re making changes to the cash handling fee, effective from 1 May 2024.

See below for a summary of the changes.


Cash handling fee	Current fee	New fee
Charged per account on the cumulative cash deposits processed to that account during a Banking Business Day	0.50% of the full cash amount deposited if total amount exceeds $5,000.00	0.15% of the full cash amount deposited if total amount exceeds $15,000.00

This fee will be charged to your account where the cash was deposited at the end of the day.

The Disclosure of Fees and Charges Customer Banking Services will be updated to reflect this change and will be available from 1 May 2024 on our fees and charges 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 ANZ fixed interest rates

We’re reducing the 1-year fixed interest rates on ANZ Home Loans and Residential Investment Property Loans, effective 16 January 2024.

See below for a summary of the changes.

ANZ Home Loans


	Current interest rate	New interest rate
1-year fixed interest rate	4.15% p.a.	3.95% p.a.

All interest rates are advised on a per annum (p.a.) basis. ANZ lending criteria, terms and conditions and fees apply.

ANZ Residential Investment Property Loans


	Current interest rate	New interest rate
1-year fixed interest rate	4.15% p.a.	3.95% p.a.

All interest rates are advised on a per annum (p.a.) basis. ANZ lending criteria, terms and conditions and fees apply.

These changes will be reflected on our interest rates page from 16 January 2024.

If you have any questions, please do not hesitate to contact us on 132 411 (local), +679 321 3000 (overseas) or visit an ANZ branch.

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 FijiEBS@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.

Changes to ANZ interest rates

We’re reducing the interest rates on Pacific Savings Accounts, Priority Cash Management Accounts and Term Deposits, effective 1 July 2023.

We’ve summarised the changes below.

Pacific Savings Account


	Current interest rate	New interest rate
Bonus rate	0.45% p.a.	0.15% p.a.

All 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.

Priority Cash Management Account


Amount	Current interest rate	New interest rate
$25,000-$49,999.99	0.15% p.a.	0.10% p.a.
$50,000-$99,999.99	0.25% p.a.	0.15% p.a.
$100,000+	0.45% p.a.	0.20% p.a

All 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.

Term Deposits


Term	Current interest rate	New interest rate
1 to less than 3 months	0.10% p.a.	0.05% p.a.
3 to less than 6 months	0.10% p.a.	0.05% p.a.
6 to less than 9 months	0.10% p.a.	0.05% p.a.
9 to less than 12 months	0.20% p.a.	0.15% p.a.
12 to less than 18 months	0.30% p.a.	0.25% p.a.
18 to less than 24 months	0.30% p.a.	0.25% p.a.
24 to less than 36 months	0.30% p.a.	0.25% p.a.
36 to less than 48 months	0.30% p.a.	0.25% p.a.
48 to less than 60 months	0.30% p.a.	0.25% p.a.
60 months	0.30% p.a.	0.25% p.a.

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 1 July 2023.

If you have any questions, please do not hesitate to contact us on +679 321 3000 or visit an ANZ branch.