Changes to ANZ rates, fees and agreements

Changes to the Passbook Savings Account, Statement Savings 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 following account types:

• Passbook Savings Account
• Statement Savings Account
• Priority Cash Management Account.

If you’re an account holder on either the Passbook Savings Account, Statement Savings Account or the Priority Cash Management Account, we’re moving your account to a different account type.

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

Passbook Savings Account for personal (individual) customers

Passbook Savings Accounts for personal customers will be moved to the Access Everyday Account. This won’t change your account number but there are changes to be aware of.

What’s changing:

• The account type is changing from the Passbook Savings Account to the Access Everyday Account. 
• Passbooks will no longer be available. This means we won’t use Passbooks to verify an account holder, and we won’t record withdrawals, deposits or balances into any Passbook that’s presented at the branch. You can keep making deposits and withdrawals, and get account statements which will show your transactions. If you’re a user of Passbooks, talk to us about how we can support you with this change.
• ANZ Visa Debit Cards are available with the Access Everyday Account. An ATM withdrawal fee of $0.25 per transaction will apply. See the table below for further fee detail.
• The Access Everyday Account doesn’t earn interest, so the interest rate will change from 0.05% p.a. to 0.00% p.a. Any credit interest you’ve accrued on the Passbook Savings Account up to and including the 30 June 2026 which has not yet paid, will be paid to your account when we move your account to the Access Everyday Account. You’ll see this credit interest amount in your statement.  

*The cash handling fee also applies to cash withdrawals over $5,000.

Passbook Savings Account for non-personal customers

Passbook Savings Accounts for non-personal customers will be moved to a Business Cheque Account. This won’t change the account number but there are changes to be aware of. 

What’s changing:

• The account type is changing from the Passbook Savings Account to the Business Cheque Account. 
• Passbooks will no longer be available. This means we won’t use Passbooks to verify account holders, and we won’t record withdrawals, deposits or balances into any Passbook presented at the branch. You can keep making deposits and withdrawals, and get account statements which will show your transactions. If you’re a user of Passbooks talk to us about how we can support you with this change. 
• The Monthly account fee is changing from $0.00 to $3.00.
• ANZ Visa Debit Cards are available with the Business Cheque Account. An ATM withdrawal fee of $0.25 per transaction applies. See the table below for further fee details.
• The Access Everyday Account doesn’t earn interest, so the interest rate will change from 0.05% p.a. to 0.00% p.a. Any credit interest you’ve accrued on the Passbook Savings Account up to and including the 30 June 2026 which has not yet paid, will be paid to your account when we move your account to the Access Everyday Account. You’ll see this credit interest amount in your statement. 

*The cash handling fee also applies to cash withdrawals over $5,000.

Statement Savings Account

Statement Savings Accounts will be moved to the Access Everyday Account. This won’t change your account number or how you can use this account. 

What’s changing:

• The account type is changing from the Statement Savings Account to the Access Everyday Account. 
• The Monthly account fee is changing from $2.50 to $0.00. See the table below for details.

*The cash handling fee also applies to cash withdrawals over $5,000.

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 is no change to your fees and charges. 

What’s changing:

• The account type 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 no change to the rate you earn. For the times you don’t meet the minimum balance, you’ll now earn 0.00% p.a. See the tables below for detail.  

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

*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 type):

*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/kiribati. If you have any questions, please contact us on +686 74021095 or visit an 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.

Bitaki nakon te Passbook Savings Account, Statement Savings Account ao te Priority Cash Management Account.

Ae ti tabe ngkai n rinanoa rinanin aekan taian akaunti are tina katauraoi, ao n te aro aio, ao ti nang katokii aekan akaunti aika i nano aikai:

• Passbook Savings Account
• Statement Savings Account
• Priority Cash Management Account.

Ngkana iai am akaunti ae te Passbook Savings Account ke tao te Statement Savings Account ke te Priority Cash Management Account, ao ti a kamwainga am akaunti nakon te aekaki n akaunti teuana ae kaokoro.

E na moa bwainakin te bitaki aio n 1 Turai 2026. Akea te bwai ae ko kainanoia bwa kona karaoia.

Passbook Savings Account i bukiia katitamwa ake bon aomata

Te Passbook Savings Account i bukiia katitamwa ake bon aomata e na kamwaingaki nakon te Access Everyday Account. Aio are e na bon aki bita nambwan am akaunti ma iai bitaki aika ko riai n atai.

Tera ae e bitaki:

• E a bitaki tein te akaunti man te Passbook Savings Account nakon te Access Everyday Account. 
• Taian Passbooks a nang aki kabonganaaki. Are nanon aio bwa ti nang aki kabonganai Passbooks n kakoaua te tia bwaibwai n te akaunti, ao n aki taui mwiin taian bumwane, karinmwane ke te baeranti i nanon taian Passbook ake a uotaki nakon te mwaanga. Ko kona n teimatoa n karaoa te karinmwane ao te bumwane, ao n reke rongorongon mwakurin am akaunti ake e kaoti kakammwakurina. Ngkana te tia kabongana te Passbook ngkoe, ao maroro ma ngaira bwa tina kangaa n buokiko n kaeti ma te bitaki aio.
• Te ANZ Visa Debit Card e tauraoi n nako ngkana iai am Access Everyday Account. E na kabonganaaki te roo iaon te bumwane ae $0.25 n katoa bumwane. Noora te taibora ae i nano i bukin rongorongona riki.
• Te Access Everyday Account e aki kareke bakao, ngaia are e te bakao e na bitaki man 0.05% n katoa ririki nakon 0.00% ni katoa ririki. Ni kabane bakao ake a ikoiko n am Passbook Savings Account ni karokoa 30 June 2026 n raonaki ma ake a tuai kabwakaaki, ana kabwakaaki nakon am akaunti ngkana ti kamwainga am akaunti nakon te Access Everyday Account. Ko na kona n noora mwaitin am bakao n rongorongon am akaunti.  

*Te roo i bukin buokam n am mwane e bwainaki naba i bukin te bumwane ae riaon $5,000.

Passbook Savings Account i bukiia katitamwa ake taian botaki ma rabwata ma tiaki aomata

Te Passbook Savings Account i bukiia katitamwa ake taian botaki ma rabwata ma tiaki aomata e na kamwaingaki nakon te Business Cheque Account. Aio are e na bon aki bita nambwan am akaunti ma iai bitaki aika ko riai n atai. 

Tera ae e bitaki:

• E a bitaki tein te akaunti man te Passbook Savings Account nakon te Business Cheque Account. 
• Taian Passbooks a nang aki kabonganaaki. Are nanon aio bwa ti nang aki kabonganai Passbooks n kakoauaia taan bwaibwai n te akaunti, ao ti nang aki taui mwiin taian bumwane, karinmwane ke baeranti nakon taian Passbook ake a uotaki nakon taian mwaanga. Ko kona n teimatoa n karaoa te karinmwane ao te bumwane, ao n reke rongorongon mwakurin am akaunti ake e kaoti kakammwakurina. Ngkana te tia kabongana te Passbook ngkoe, ao maroro ma ngaira bwa tina kangaa n buokiko n kaeti ma te bitaki aio. 
• Roon te akaunti ni katoa namwakaina e bitaki man $0.00 nakon $3.00.
• Te ANZ Visa Debit Card e tauraoi n nako ngkana iai am Business Cheque Account. E na kabonganaaki te roo iaon te bumwane ae $0.25 n katoa bumwane. Noora te taibora ae i nano i bukin rongorongona riki.
• Te Access Everyday Account e aki kareke bakao, ngaia are te bakao e na bitaki man 0.05% n katoa ririki nakon 0.00% ni katoa ririki. Ni kabane bakao ake a ikoiko n am Passbook Savings Account ni karokoa 30 June 2026 n raonaki ma ake a tuai kabwakaaki, ana kabwakaaki nakon am akaunti ngkana ti kamwainga am akaunti nakon te Access Everydat Account. Ko na kona n noora mwaitin am bakao n rongorongon am akaunti. 

*Te roo i bukin buokam n am mwane e bwainaki naba i bukin te bumwane ae riaon $5,000.

Statement Savings Account

Te Statement Savings Accounts e na kamwaingaki nakon te Access Everyday Account. Te aekaki aio e aki kona n bita nambwan am account ke kona kangaa n kabonganaa te akaunti aio.

Tera ae e bitaki:

• E a bitaki tein te akaunti man te Statement Savings Account nakon te Access Everyday Account.
• Roon te akaunti ni katoa namwakaina e bitaki man $2.50 nakon $0.00. Noora te taibora ae i nano i bukin rongorongona riki.

*Te roo i bukin buokam n am mwane e bwainaki naba i bukin te bumwane ae riaon $5,000.

Priority Cash Management Account

Te Priority Cash Management Accounts a na kamwaingaki nakon te Pacific Savings Account. Aio are e na aki kona n bita nambwan am akaunti ke e kangaa arom n kabonganaa te akaunti, ao akea te bitaki nakon taian roo ao tiaati nakoim.

Tera ae e bitaki:

• Tein te akaunti e na bitaki man te Priority Cash Management Account nakon te Pacific Savings Account.
• Te bakao e bitaki naba. Ngkana e roko am baeranti n te mwaiti mai i nano ae tangiraki i bukin te Pacific Savings Account, ao a na akea te bitaki i aon te roo are kona karekea. N taai are e aki roko iai am baeranti n te mwaiti mai i nano, ao kona karekea 0.00% ni katoa ririki. Noora te taibora ae i nano i bukin rongorongona.

Te bakao i bukin te Priority Cash Management Account (tein am akaunti ngkai):

*E karaoaki te bakao i aon am baeranti n tokin te bong anne. Ana baeranti te akaunti are e kabonganaaki n wiikin tiaki te mwakuri bon te baeranti man te akaunti man te bong are mai i mwaina n aoan te mwakuri.

Ana bakao te Pacific Savings Account (tein am akaunti ae boou):

*E na reke te bakao ngkana iai kanoan am akaunti ae $100 ke i aona riki n tokin te bong teuana. Ana baeranti te akaunti are e kabonganaaki n wiikin tiaki te mwakuri bon te baeranti man te akaunti man te bong are mai i mwaina n aoan te mwakuri.

Ko kona n kunei riki rongorongon akaunti aikai; te boraraoi ma kainibaire ao te roo ma te tiaati n anz.com/kiribati. Ngkana iai am titiraki, taiaoka reitaki nakoira i aon +686 74021095 ke kawara mwaangan te ANZ.

Te roo, tiaati ao te bakao a kona ni bitaki. Ni kabane taian bakao a nako n katoa ririki. Ana kabonganaaki ana boraraoi ma ana kainibaire ao roo te ANZ.

Changes to ANZ Term Deposits and Savings Accounts 

We’re making changes to simplify our savings accounts and term deposits. We’re also updating interest rates for some of these products. The changes are effective from 1 December 2025.

ANZ Pacific Savings Accounts

• You will earn interest each day if there is a minimum end of day account balance of $100*.
• The ability to earn bonus interest is removed. This also means that there are no requirements for withdrawals and minimum deposits.
• The base interest rate will be increased.

*Interest is calculated for non-business days based on the end of day account balance for the previous business day.                                **Interest rate depending on whether bonus interest earned.

ANZ Term Deposits ($2,000 – $250,000)

• ANZ Term Deposits will be offered in three term ranges.
• We will no longer offer deposit terms under 90 days, or over 729 days.
• The minimum deposit amount is increasing from $500 to $2,000 and the maximum deposit amount is increasing from $100,000 to $250,000.
• Some interest rates will be updated as outlined below.

*This term will no longer be offered for new term deposits. They will continue to roll over at maturity for existing term deposits subject to the Terms and Conditions.

ANZ Priority Cash Management Accounts

ANZ Priority Cash Management Accounts will no longer be offered to new customers. If you are an existing ANZ Priority Cash Management account holder, you can continue to use your account. Please note, due to the changes to our savings account products, there may be better alternatives for your savings. If you would like to discuss your options, please call us on +686 74021095 or visit one of our ANZ branches.

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 website (anz.com/kiribati) from 1 December 2025.

The ANZ Fees and Charges Customer Banking Services Kiribati brochure will also be updated to reflect these changes. An updated copy will be available from 1 December 2025 on our fees and charges page and in our branches on request. If you have any questions, please contact us. 

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 Kiribati courts.
• Explaining in more detail how we calculate interest on non-business days.
• Adding the terms that apply when you arrange a Telegraphic Transfer.
• 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.

ANZ General Terms and Conditions

• Updating the Kiribati 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 – Kiribati Edition
• ANZ Electronic Banking Conditions
• ANZ General Terms and Conditions – Kiribati Country Schedule

If you have any questions, please contact us.

Changes to ANZ trade fees and charges

Notice published 30 May 2025

We’re making changes to some of our fees and charges for trade customers. These changes will come into effect from 30 June 2025

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 of providing those products and services. These include:
  • Import Documentary credits – Acceptance of term drawings
  • Export Documentary credits – Document handling fee
  • Export Documentary collections – Outward collection
  • Shipping guarantee / Air waybill release – Air waybill release for some customers

•  Combining similar fees into one fee to reduce complexity 
•  Providing fee amounts where these were not provided; and
•  Removing a number of fees from the documents where the service is seldom or no longer requested.

Further detail of these changes can be found on our fee changes page. If you have any questions, please contact us on +686 74021095 or visit an ANZ branch.

The following documents will be updated to reflect these changes:

•  ANZ Fees and Charges Customer Banking Services Kiribati
•  ANZ Kiribati Standard Trade and Supply Chain Tariffs

Updated copies of these documents will be available from 30 June 2025 on our fees and charges page and in our branches upon request.