ANZ student bank accounts

Simple banking, because studying is hard enough. 

Everyday banking account

Under 25s1 and full-time students2 pay no monthly account service fee with ANZ Access Advantage (normally $5).

$0 monthly account service fee for under 25s1 and full-time students2 (normally $5)

Apply now for ANZ Online saver


  • ANZ Access Visa Debit card3 (if you’re over 14) for shopping online and overseas wherever Visa is accepted
  • Easy, 24/7 banking options like ANZ goMoney
  • Unlimited transactions using ANZ Phone Banking, ANZ Internet Banking and EFTPOS, and at ANZ ATMs and Branches4.

Student ID

25 or over?

If you are aged 25 or over and studying full-time you will need visit an ANZ Branch and show your student ID to get your monthly account service fee waived2.

Are you an international student?

Moving to Australia
If you are an international student, currently overseas and planning to come to Australia to study, you can you can apply for an ANZ Access Advantage bank account before you leave!

You'll have the ability to transfer funds to your account before you leave home, and once you arrive and identify yourself at any ANZ branch, you will have access to the funds, including the ability to make withdrawals from the account.

Savings accounts

ANZ Online Saver

Flexible online savings account with 24/7 access5
No minimum balance, withdrawal fees or fixed term requirements
Interest and easy access to your savings via your linked eligible ANZ account5

Apply now for ANZ Online saver

ANZ Progress Saver

You could be rewarded with bonus interest. This is in addition to the current base interest when you make at least one single deposit of $10 or more in a month and no withdrawals or debits in that same month6
No monthly account service fees7

Apply now

You're protected

Need more help to work out a banking solution?

Over 18? You can also apply for

ANZ credit card9

ANZ First Visa

Find out more

  • Apply for a manageable $500 limit
  • Choose from any card in the ANZ range (excluding platinum, ANZ Frequent Flyer Black and ANZ Rewards Black cards)


ANZ Assured9

ANZ Assured

Find out more

  • Apply for a manageable $500 limit to help you cover unexpected cash shortfalls
  • Monthly credit facility fee waiver ($500 limit only) for eligible full time students (normally $5 per month)

Bank accounts for children and under 18s

We offer a range of features on children's bank accounts to help them save and bank with ease.


Important information

Terms and conditions are available on application. Fees and charges apply.

1.Eligibility criteria apply. On application for the waiver by the customer, the monthly account service fee will be waived on one nominated ANZ Access Advantage account. For more information on Exemptions and Concessions please refer to ANZ Personal Banking Account Fees and Charges (PDF 544kB).

2.Full time students need to show proof of enrolment with an Australian Educational Institution at any ANZ Branch in order to receive a monthly account service fee waiver on one nominated ANZ Access Advantage account.

3. Eligibility criteria apply to issue of ANZ Access Visa Debit card. Overseas transaction fees, overseas ATM transaction fees and non-ANZ ATM operator fees may apply to foreign currency transactions. Please refer to  ANZ Personal Banking Account Fees and Charges for fees and charges that apply.

4. Other associated account fees and charges may apply. Please refer to  ANZ Personal Banking Account Fees and Charges for fees and charges that apply. 

5. ANZ Online Saver is only available to customers who open or who are the account holders of, or signatories to, eligible ANZ everyday banking accounts with ANZ Internet Banking or ANZ Phone Banking access. Eligible accounts include ANZ Access Advantage, ANZ Access Select, ANZ Access Basic, ANZ Pensioner Advantage, ANZ Progress Saver, ANZ V2 PLUS, ANZ Premium Cash Management Account and ANZ Everyday Visa Debit. Terms and conditions and fees and charges apply to the eligible account.

6. Bonus interest is subject to eligibility. ANZ Progress Saver pays bonus interest (in addition to the current variable base interest) in respect of a particular month if the set minimum deposit (currently $10) and no withdrawals, fees or charges are processed to the account on or before the last business day of that calendar month, and after the last business day of the previous calendar month. Bonus and base rates are variable and subject to change.

7. Deposit accounts with ANZ with balances of up to and including A$250,000 in total are guaranteed by the Federal Government without charge. The guarantee applies to the total balance held in one or more ANZ deposit accounts by each legal entity, up to a maximum amount of A$250,000. For further information please refer to the Financial Claims Scheme.

8. If you are a victim of fraud, we guarantee that you'll be reimbursed for any unauthorised transactions. This is provided that you have complied with the ANZ Saving and Transaction Products Terms and Conditions (PDF 588kB), and provided you  did not contribute to the loss, and notified ANZ promptly of the fraud.

9. All applications for credit are subject to ANZ's credit assessment criteria. 

Any advice does not take into account your personal needs and financial circumstances and you should consider whether it is appropriate for you.

ANZ recommends you read the terms and conditions and the financial services guide (PDF 512kB) before acquiring the product.

ANZ FalconTM is a trademark of Australia and New Zealand Banking Group Limited (ANZ) ABN 11 005 357 522. Falcon is a trademark of Fair Isaac Corporation.

ANZ goMoneyTM is provided by and is a trademark of ANZ. ANZ goMoneyTM for iPhone is only available from the App Store. iPhone is a trademark of Apple Inc., registered in the U.S. and other countries. App Store is a service mark of Apple Inc. ANZ goMoneyTM for AndroidTM is only available in Google PlayTM. Android and Google Play are trademarks of Google Inc.

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