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Changes to ANZ rates, fees and agreements

Changes to ANZ Term Deposits, Savings Account, and Trade fees and charges

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

Here's a copy of the notice in Tongan.

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 will be increased.

Account balance amount	Current interest rate	New interest rate
$0 - $99.99	0.05% or 0.45%**	No interest earned
$100+	0.05% or 0.45%**	0.20%

*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 ($3,000 – $100,000)

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 $1,000 to $3,000.
Some interest rates will be updated as outlined below.

Term	Current interest rate	New interest rate
1 month (30 – 89 days) *	0.05%	No change
3 months (90 – 179 days)	0.35%	No change
6 months (180 – 364 days)	0.45%	No change
12 months (365 – 729 days)	0.50%	No change
24 months (730+ days)*	0.75%	0.50%

*These terms 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 +676 20500 or visit the ANZ branch.

Account balance amount	Current interest rate	New interest rate
$0 - $4,999	0.10%	0.20%
$5,000 - $9,999	0.25%	0.20%
$10,000 - $14,999	0.25%	0.20%
$15,000 +	0.40%	0.20%

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/tonga) from 1 December 2025.

ANZ Trade fees and charges

We’re making changes to some of our fees and charges for trade customers. 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
- Import Documentary collections – Inward collection
- Export Documentary credits – Document handling fee
- Export Documentary collections – Outward collection
- Guarantees/Standby letter of credit – Inwards Advising
- Trade finance loans – Trade loan
Consolidating similar fees to simplify the fees with, in some cases, an aligned fee increasing;
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.

For further information, please contact us on +676 20500 or visit our ANZ branch. You can also find further details of these changes in English and Tongan on our fee changes page.

The ANZ Fees and Charges Customer Banking Services Tonga brochure will be updated to reflect these changes. All trade fees will be removed from the ANZ Fees and Charges Customer Banking Services Tonga brochure and will now be found in the ANZ Tonga Standard Trade and Supply Chain Tariffs.

Updated copies of these documents will be available from 1 December 2025 at anz.com/tonga and in our branch upon request.

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 Tonga 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.
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 Tonga 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 branch from 15 October 2025.

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

If you have any questions, please contact us .