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New Zealand·Compare·Institutions·ANZ

ANZ

16 products we hold published figures for
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Everything on this page is taken from ANZ's own published pages. Nobody there has reviewed or supplied it, and we are not them.

We hold figures for 16 of their products, each with the date it was read. If one is out of date, the page it came from is linked beside it.

Products we track

Credit cards

5 products
$0 · 13.90%
Fee$0Rate13.90%OverseasNoneDaysUp to 55
Conditions
  • Interest-free days apply only if the balance is paid in full each month.
  • Cash advances are charged at 20.95% p.a. from the day they are taken.
Checked 16 September 2026
Source
$40 · 20.95%
Fee$40Rate20.95%OverseasNoneDaysUp to 55
Checked 16 September 2026
Source
$80 · 20.95%
Fee$80Rate20.95%OverseasNoneDaysUp to 55
Checked 16 September 2026
Source
$65 · 20.95%
Fee$65Rate20.95%OverseasNoneDaysUp to 44
Checked 16 September 2026
Source
$150 · 20.95%
Fee$150Rate20.95%OverseasNoneDaysUp to 44
Checked 16 September 2026
Source

Everyday accounts

2 products
ANZ Go
$0 a month · Not published
Fee$0 a monthTxns$0 electronic, $3 staff-assistedInterestNot publishedOverseas1.30% on ANZ Visa DebitSource
Conditions
  • The $3 staff-assisted withdrawal is free for customers under 21 or 65 and over on individual accounts.
  • ANZ publish no interest rate for this account. That is an absence, not a rate of zero.
  • The staff-assisted withdrawal waiver applies to individual accounts; on a joint account it applies only if the primary account holder is under 21 or 65 and over.
Checked 17 September 2026
Source
ANZ Freedom
$5 a month (waived: deposit $2,500+) · Not published
Fee$5 a month (waived: deposit $2,500+)TxnsNo transaction feesInterestNot publishedOverseas1.30% on ANZ Visa DebitSource
Conditions
  • The $2,500 waiver applies in any month you deposit at least $2,500 on or before the last business day of that month.
  • There are no transaction fees, including staff-assisted and manual transactions.
  • The $2,500 is a deposit requirement, not a minimum balance. Money paid in and spent in the same month still clears it.
Checked 17 September 2026
Source

Business accounts

2 products
Business Current account
$8.50 a month, waived first two years · 200 a month
Monthly fee$8.50 a month, waived first two yearsTransaction fees$0.20 each after 200 includedIncluded200 a monthInterestNot publishedEligibilitySole traders and companies
Conditions
  • The fee is waived for the first two years under the ANZ Business Start-up package.
  • The 200 included transactions may be automated or manual.
  • Open to sole traders aged 18 and over, and to companies, partnerships and trusts; no turnover ceiling is published.
  • A sole trader verifies identity in the ANZ goMoney app; a company, partnership or trust applies by booking a branch visit.
  • Balance and basic account enquiries at a branch are free. A manual transaction between two accounts that each charge a manual fee incurs the fee on both.
  • ANZ publishes no credit interest rate for this account. That is an absence, not a rate of zero.
  • The Business Start-up waiver carries a footnote on the fee page that the page does not expand. The eligibility it states here is what the page states: a business in its first two years. Any turnover ceiling is in that footnote and has not been read, so it is not claimed.
  • Automated transactions include EFTPOS, Visa Debit, ATM and mobile wallet, plus everything made through ANZ goMoney, Internet Banking, Phone Banking and Direct Online; manual transactions are those handled by staff, including ANZ Fast Deposit Box deposits.
Checked 18 September 2026
Source
Business Premium Current account
No monthly account fee. · No allowance, no fees
Monthly feeNo monthly account fee.Transaction feesNo transaction or cash feesIncludedNo allowance, no feesInterestNot publishedEligibilityNon-profits and schools
Conditions
  • The account charges no transaction fee and no cash-handling fee, so there is no allowance to count.
  • Open only to eligible non-profit organisations, and primary, intermediate and secondary schools.
  • This is a different eligibility gate from the business accounts, which is why it is a separate row rather than a footnote on one.
  • The account is open only to eligible non-profits and schools, so a company cannot choose it.
Checked 18 September 2026
Source

KiwiSaver schemes

2 products
ANZ KiwiSaver Scheme
Not published · 0.25%–0.98%
Member feeNot publishedFund charge0.25%–0.98%Funds7
7 funds in this scheme
  • High Growth FundFund charge0.98%Performance feeNot published
    • ANZ publish a maximum annual fund charge; expenses may be carried forward and recovered in future years.
  • Growth FundFund charge0.98%Performance feeNot published
  • Balanced Growth FundFund charge0.92%Performance feeNot published
  • Balanced FundFund charge0.89%Performance feeNot published
  • Conservative Balanced FundFund charge0.75%Performance feeNot published
  • Conservative FundFund charge0.63%Performance feeNot published
  • Cash FundFund charge0.25%Performance feeNot published
Checked 17 September 2026
Source
OneAnswer KiwiSaver Scheme
Not published · 0.64%–0.99%
Member feeNot publishedFund charge0.64%–0.99%Funds6
6 funds in this scheme
  • High Growth FundFund charge0.99%Performance feeNot published
  • Growth FundFund charge0.99%Performance feeNot published
  • Balanced Growth FundFund charge0.93%Performance feeNot published
  • Balanced FundFund charge0.90%Performance feeNot published
  • Conservative Balanced FundFund charge0.76%Performance feeNot published
  • Conservative FundFund charge0.64%Performance feeNot published
Checked 17 September 2026
Source

Savings accounts

2 products
Serious Saver
0.05% p.a. standard · 2.05% published total
Base rate0.05% p.a. standardBonus rate2.00% p.a. premiumBonus conditionsNo withdrawals; deposit $20 or moreTotal2.05% published totalNoticeOn call; withdrawal forfeits bonusFees$0 account; first withdrawal free
Conditions
  • Standard interest is calculated daily and paid on the last business day of the month.
  • Premium interest is paid on the average monthly balance.
  • The $20 deposit must not include credit interest, and must be made on or before the last business day of the month.
  • The 2.05% published total is standard plus premium interest.
  • A withdrawal in the month forfeits the premium rate.
  • The first withdrawal each month is free; two or more withdrawals cost $5 a month. No deposit fees.
Checked 9 October 2026
Source
Online account
0.50% p.a. on every dollar · Not published
Base rate0.50% p.a. on every dollarBonus rateNone.Bonus conditionsNone.TotalNot publishedNoticeOn call; electronic withdrawals freeFees$0; manual withdrawals $3 each
Conditions
  • Base interest is calculated daily and paid on the last business day of the month, on every dollar.
  • ANZ pays one rate on every dollar regardless of balance or access.
  • No account or deposit fees. Electronic withdrawals are free and need no notice; manual withdrawals cost $3 each.
Checked 9 October 2026
Source

Term deposits

1 product
Term Deposits
3.55% p.a. · 4.00% p.a.
3 mo2.90% p.a.6 mo3.55% p.a.9 mo3.65% p.a.12 mo4.00% p.a.18 mo4.20% p.a.24 mo4.30% p.a.5 yr4.70% p.a.
Conditions
  • Minimum deposit: $10,000. Rates apply to the first $5,000,000 held in all ANZ term deposits.
  • Interest paid: At maturity under 180 days; monthly, quarterly, six-monthly or at maturity from 180 days, with an annual option from 18 months.
  • Early withdrawal: Allowed if ANZ agrees; a 1% p.a. rate reduction applies to the amount withdrawn. The return will not go below 0%.
  • ANZ publishes 90 days as its 3-month term, 180 days as 6 months and 270 days as 9 months. Its 30, 60, 120, 150, 210 and 240-day terms and 1, 3 and 4-year terms are on the same page but are not carried as columns here.
  • The ANZ PIE Fund Term Option is a separate table on the same page and is not carried in these columns: its effective return depends on the reader's PIR (1.85% p.a. for a 30% taxpayer against a 4.00% p.a. one-year return), so a PIE headline is not comparable with an ordinary rate.
  • Current from Friday, 25 September 2026, as the page states.
Checked 9 October 2026
Source

Youth accounts

2 products
Go account, opened for a child or teenager
$0 a month and no electronic transaction fees. ANZ states there are no account fees and no transaction fees until the holder turns 21. · None published by the issuer. ANZ publishes no credit interest rate for the Go account.
AgeA parent or guardian opens it for a child at any age; from 13 a teenager can open and operate a Go account in their own name and remove a parent's access. No closing age, and the under-21 fee waiver is the youth figure.Monthly fee$0 a month and no electronic transaction fees. ANZ states there are no account fees and no transaction fees until the holder turns 21.InterestNone published by the issuer. ANZ publishes no credit interest rate for the Go account.Bonus conditionsNone: the Go account pays no interest. The savings account ANZ offers for this age group is ANZ Serious Saver, carried as its own row.CardAn EFTPOS card on a child's Go account before 13; an ANZ Visa Debit card from 13.SourceAt the limitThe account does not end at an age. ANZ waives the $3 staff-assisted withdrawal fee on individual Go accounts under 21, so from 21 that fee applies.
Conditions
  • A Go account is open to adults too. What makes it the children's account here is that ANZ's kids and teens pages lead with it and that its fee waiver is published as under-21, so the age range states the fee-waiver ceiling rather than an account that ends.
Checked 9 October 2026
Source
Serious Saver, offered with the children's and teens' accounts
$0 a month and no deposit fee. The first withdrawal in a month is free; $5 a month for two or more. · Standard 0.05% p.a., premium 2.00% p.a., 2.05% p.a. total when premium interest is earned.
AgeOpen at any age; ANZ's children's and teens' pages offer it alongside a Go account. No closing age.Monthly fee$0 a month and no deposit fee. The first withdrawal in a month is free; $5 a month for two or more.InterestStandard 0.05% p.a., premium 2.00% p.a., 2.05% p.a. total when premium interest is earned.SourceBonus conditionsPremium interest needs no withdrawals and a deposit of at least $20, not counting credit interest, on or before the last business day of the month. A withdrawal, or a deposit under $20, leaves only the 0.05% standard rate.CardNo card. ANZ states Visa Debit and EFTPOS cards are not available with savings accounts.At the limitNone published: the account has no age ceiling and does not change at an age.
Conditions
  • ANZ states rates are current from Thursday, 1 October 2026 and are subject to change.
Checked 9 October 2026
Source
SourceEvery figure on this page was read from ANZ's own published pages. We are not ANZ and this page is not theirs.
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The facts
Products we hold figures for
16
Oldest figure here
16 September 2026
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