Close mobile menu Personal ANZ Plus accounts ANZ Plus accounts Everyday accounts Savings accounts ANZ Plus accounts Everyday accounts Savings accounts Everyday accounts Everyday accounts ANZ Access Advantage ANZ Pensioner Advantage ANZ Access Basic Visa Debit card Just moved to Australia Budget Planner Everyday accounts ANZ Access Advantage ANZ Pensioner Advantage ANZ Access Basic Visa Debit card Just moved to Australia Savings accounts Savings accounts ANZ Online Saver ANZ Progress Saver Kids banking ANZ Premium Cash Management Account ANZ SMSF Cash Hub Account Savings booster calculator Savings calculator Savings accounts ANZ Online Saver ANZ Progress Saver ANZ Premium Cash Management Account ANZ SMSF Cash Hub Account Savings booster calculator Savings calculator Term deposits Term deposits ANZ Advance Notice Term Deposit Term deposit calculator ANZ Advance Notice Term Deposit Term deposit calculator Manage my accounts Manage my accounts Basics and getting started Interest rates, fees, terms Frequently Asked Questions Unclaimed money Ways to bank Manage my accounts Basics and getting started Interest rates, fees, terms Frequently Asked Questions Unclaimed money Looking for a higher interest savings account? With ANZ Progress Saver you can qualify for bonus interest disclaimer when you deposit at least $10 in one transaction, and no withdrawals, transfers, fees or charges are processed to the account in that month. If you meet the eligibility criteria for bonus interest in a qualifying month you can generally earn interest from the last business day of the previous month up to (but excluding) the last business day of the qualifying month (T&Cs apply). disclaimer If you qualify for and earn bonus interest on an ANZ Progress Saver, disclaimer you could earn more interest than our ANZ Online Saver standard variable rate. It's an account that could help you save more. No monthly account service fee No minimum balance I want to learn more about... Features and benefits Already decided? Let’s get your application started. Looking for one of our higher interest savings accounts? Qualify for bonus interest. disclaimer ANZ Progress Saver is a savings account that offers a bonus interest rate. The bonus rate is higher than the interest on an ANZ Online Saver if you qualify for and earn bonus interest. If you meet the eligibility criteria in a month you could qualify for interest of up to *Total rate includes base interest, currently and bonus interest, currently To qualify for bonus interest: Make at least a single deposit of $10 or more in a month. disclaimer No withdrawals (including transfers), fees or charges are processed to the account in that month. disclaimer If you qualify you may be eligible to earn bonus interest [from the last business day of the previous month up to, but not including, the last business day of the month] (T&Cs apply). Can't make a deposit or need to make a withdrawal in a month? Hang in there! You'll get the base rate of interest , but you may be eligible to qualify for bonus interest the following month. disclaimer Features and benefits With an ANZ Progress Saver account you can qualify for bonus interest when you make at least a single deposit of $10 or more in a month and if no withdrawals, transfers, fees or charges are processed to the account in that month. disclaimer Qualify for bonus interest if you make a single deposit of at least $10 in a month and there are no withdrawals, fees or charges processed to the account that month. If you qualify you could earn bonus interest (T&Cs apply). disclaimer The date a transaction, withdrawal, transfer fee or charge is treated as being made or processed to an account may differ from the calendar day on which it occurs. Set and track your savings goal Fee waiver for under 18s (on application) disclaimer disclaimer No monthly account service fee Great for kids banking disclaimer Want to know more about features and benefits? Want to know more about features and benefits? Earn bonus interest With an ANZ Progress Saver you can qualify for interest of up to interest (base rate of plus bonus interest of ) when you deposit at least $10 in one transaction and no withdrawals, transfer, fees or charges are processed to the account in that month. disclaimer The date a transaction, withdrawal, transfer, fee or charge is treated as being made or processed to an account may differ from the calendar day on which it occurs. disclaimer If you qualify for bonus interest in a qualifying month, you can generally earn bonus interest from the last business day of the previous month up to (but excluding) the last business day of the qualifying month but this may differ depending on the effective date of a transaction (T&Cs apply). disclaimer No monthly account service fee There's no monthly account service fee and the first ANZ Transaction every month incurs no Additional Transaction Fee. disclaimer Set and track your savings goal Whether you're saving for something big or small, you can set a goal in the ANZ App disclaimer to help you save, and see how you're tracking. Set a savings goal today. Great for kids banking Open your child’s first savings account and help to start their journey of banking with ease! disclaimer Fee waiver for under 18s If you are under 18 disclaimer you can apply for a fee waiver and you won’t have to pay ANZ Transaction Fees on your ANZ Progress Saver. disclaimer Withdrawal fees

In any month, if your first ANZ Transaction (withdrawal or transfer) is processed to your ANZ Progress Saver account, it will not incur a withdrawal or transfer fee, but it will disqualify you from earning bonus interest for that month. From your second transaction onwards, the following fees and charges apply. Transaction type App and Internet Banking Transactions Electronic Transactions Staff Assisted Transactions Looking for concession everyday accounts with no monthly account service fee? If you hold a concession card, or are receiving Government benefits, you may be eligible for one of ANZ’s concession everyday bank accounts that has no monthly account service fees. disclaimer Have a look at ANZ Access Basic and ANZ Pensioner Advantage . What is a high interest savings account? If you’re looking to save money and reach a savings goal, a high interest savings account could help you get here. A high interest savings account typically offers a higher interest rate than a standard savings account. Some high interest savings accounts offer incentives, such as bonus interest. Bonus interest can be tied to qualifying criteria such as growing your balance, making a deposit or not making any withdrawals in any given month. compare bank accounts Not the account you’re looking for? We’ve got a handy tool to help you consider some other options. Our bank accounts comparison tool will show you some options side-by-side for transaction, savings and term deposit accounts. Not the account you’re looking for? We’ve got a handy tool to help you consider some other options. Our bank accounts comparison tool will show you some options side-by-side for transaction, savings and term deposit accounts. Take a moment to review how ANZ Progress Saver works to help you decide if it's right for you. Eligibility criteria: Australian residents An Australian residential address 12 years or older Tooltip This account is for personal use Apply for ANZ Progress Saver If you're ready to apply online and have your documents Tooltip handy, you can get started now. For joint account applications, after ANZ has opened your account, you will need to visit an ANZ branch with all account holders to sign a Joint Account Authority Form. You will not be able to access your joint account until this form is signed. ANZ Internet Banking If you've registered, log in and click Product & Offers , then select the Bank accounts tab and look for ANZ Progress Saver . If you are an existing customer, you can apply for an ANZ Progress Saver account in the ANZ App disclaimer in minutes. Easy as. Call us or visit a branch Call us on 13 33 33 Mon-Fri 8.00am to 8.00pm (Sydney/Melbourne time) or find an ANZ branch near you. Your questions answered I keep hearing about ANZ Plus; how is it different from ANZ? ANZ Plus is ANZ’s digital banking service available in the new ANZ Plus app. It comes with an ANZ Plus Everyday transaction account and a multi-goal ANZ Plus Growth Saver account, and a new-look ANZ Plus Visa Debit card. The ANZ Plus app has a range of features to provide more visibility and control of your money and spending. You can only access ANZ Plus in the ANZ Plus app. You can use the ANZ Plus app to view other eligible ANZ accounts, but to manage these accounts you will need to use other ANZ channels. Find out more here . Other ANZ bank accounts can be accessed through the ANZ app or Internet Banking, ANZ branches and over the phone. Find out more about ANZ Plus at www.anz.com/plus How interest is calculated For ANZ Online Saver accounts, ANZ Progress Saver accounts, ANZ Premium Cash Management Accounts and ANZ Pensioner Advantage Accounts we calculate interest for each day by dividing the applicable annual interest rate by 365 (or 366 in a leap year) and multiplying this rate by the effective daily balance above $0 (or the relevant part of it) for your ANZ Account at the end of that day. Where we pay interest on your ANZ Account, standard interest will apply unless the ‘Specific terms for specific accounts’ say that a tiered or banded interest rate applies to your ANZ Account. How much money could I earn? Use our calculators to estimate how much interest you could earn. Savings Calculator How does a high interest savings account differ from term deposit and transaction accounts? High interest savings accounts are bank accounts that have the potential to pay a higher rate of interest as a reward for keeping money in your savings account (subject to product terms and conditions including any eligibility and/or qualifying criteria for the particular product). High interest savings accounts are different to transaction or everyday accounts that may, depending on the account, pay low or no interest and are typically used for day-to-day bank transactions. Term deposits usually have a fixed rate of interest and a known rate of return for an agreed duration of time. The term (the length of time the money is kept in that account) can vary. You often need to provide notice if withdrawing funds from a term deposit before the end of term. High interest savings accounts may have a variable rate, that is, the interest rate has the potential to change month to month. You should carefully review the product terms and conditions for any account you are considering including details of any eligibility or qualifying criteria that may apply. Is a savings account right for me? Compare our savings accounts and see for yourself! Our ANZ Online Saver account has some great benefits and flexibility, however ANZ Progress Saver has a higher interest rate (consisting of a base interest and bonus interest if you qualify for and earn bonus interest). With ANZ Progress Saver you can qualify for bonus interest when you deposit at least $10 in one transaction, and no withdrawals, transfers, fees or charges are processed to the account in that month. disclaimer The date a transaction, withdrawal, transfer, fee or charge is treated as being made or processed to an account may differ from the calendar day on which it occurs. disclaimer If you meet the eligibility criteria for bonus interest in a qualifying month you can generally earn interest from the last business day of the previous month up to (but excluding) the last business day of the qualifying month (T&Cs apply). disclaimer See Savings and Transaction Account T&Cs for further details including what’s included in your balance, how interest is calculated and how we work out if you earn and qualify for bonus interest. disclaimer What is the ANZ Internet banking guarantee? When using ANZ Internet Banking or the ANZ App, you’ll be reimbursed for any unauthorised transactions, provided that you have complied with the applicable product terms and conditions, and any applicable Electronic Banking Conditions of Use contained in your product terms and conditions. Find out more about ANZ's internet banking security  What is the Government deposit guarantee? Some extra peace of mind for banking in Australia. Deposits of up to $250,000 with ANZ can be covered by the Australian Government’s Financial Claims Scheme disclaimer . This means that this money is guaranteed if anything happens to ANZ. Important information 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 ANZ Saving & Transaction Products Terms and Conditions (PDF) and the Financial Services Guide (PDF) which are available at anz.com or by calling 13 13 14 before deciding whether to acquire, or continue to hold, the product. Fees, charges and eligibility criteria apply. Interest rates are variable and subject to change. Apple, the Apple logo, iPhone and iPad are trademarks of Apple Inc., registered in the U.S. and other countries. App Store is a service mark of Apple Inc. Android, Google Play and the Google Play logo are trademarks of Google Inc. BPAY® is registered to BPAY Pty Ltd ABN 69079137518. 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 ANZ Saving & Transaction Products Terms and Conditions (PDF) and the Financial Services Guide (PDF) which are available at anz.com or by calling 13 13 14 before deciding whether to acquire, or continue to hold, the product. Fees, charges and eligibility criteria apply. Interest rates are variable and subject to change. Apple, the Apple logo, iPhone and iPad are trademarks of Apple Inc., registered in the U.S. and other countries. App Store is a service mark of Apple Inc. Android, Google Play and the Google Play logo are trademarks of Google Inc. BPAY® is registered to BPAY Pty Ltd ABN 69079137518. Bonus interest is subject to eligibility. With an ANZ Progress Saver you can qualify for bonus interest (in addition to the current variable base interest) if in a qualifying month the set minimum deposit (currently single deposit of $10) and no withdrawals, fees or charges occur. Deposits, withdrawals, fees and charges occur in a qualifying month if they have an effective date that is after the last business day of the previous month and on or before the last business day of that month. An effective date is a date we assign to the transaction in our system and may be different to the date when it occurred or when it was processed by our systems. If you qualify for bonus interest in a qualifying month, you can generally earn bonus interest from the last business day of the previous month up to (but excluding) the last business day of the qualifying month but this may differ depending on the effective date of a transaction. Refer to ANZ Saving & Transaction Products Terms and Conditions (PDF) for further details including what’s included in your balance, how interest is calculated and how we work out if you earn and qualify for bonus interest. Interest rates are variable and subject to change. Base interest rates are tiered. A tiered interest rate means the annual interest rate applicable to your account for a particular day can vary depending on the balance of your account on that day. This means that the rate of interest applicable on the whole balance of your account can be different depending upon the balance of your account on a particular day. Customers aged under 18 need to show proof of age at an ANZ branch in order to receive their transaction fees waiver. Fees and charges apply. Transactions can disqualify you from earning bonus interest on the account in the relevant period. Please refer to ANZ Personal Banking Account Fees and Charges (PDF) for fees and charges that apply and information about bonus interest qualification and earning requirements. For children under 12, a parent or guardian will need to open the account in Trust for the child. Customers aged 12 to 17 who can sign a consistent satisfactory signature can open an account in their own name or as a joint account with a parent or guardian. One fee-free ANZ Transaction per month. Additional ANZ Transactions charged as: Electronic Transactions $1.00 each, Staff Assisted Transactions $2.50 each. ANZ Internet Banking transactions are free. ANZ Transactions, Electronic Transactions, Staff Assisted Transactions and Internet Banking Transactions are defined in the ANZ Personal Banking Account Fees and Charges (PDF) booklet. Any withdrawals in a particular month, including those that are free of charge, will disqualify you from bonus interest for that month. The ANZ App is provided by Australia and New Zealand Banking Group Limited (ANZ) ABN 11 005 357 522. Super and Insurance (if available) are not provided by ANZ but entities which are not banks. ANZ does not guarantee them. This information is general in nature only and does not take into account your personal objectives, financial situation or needs. ANZ recommends that you read the ANZ App Terms and Conditions available here for iOS (PDF) and here for Android (PDF) and consider if this service is appropriate to you prior to making a decision to acquire or use the ANZ App. ANZ App for Android is only available on Google Play™. ANZ App for iPhone is only available from the App Store. Apple, Apple Pay, Apple Watch, Face ID, iPad, iPhone and Touch ID are trade marks of Apple Inc., registered in the U.S. and other countries. App Store is a service mark of Apple Inc. Android, Google Play and the Google Play logo are trade marks of Google Inc. Refer to ANZ Savings & Transaction Products Terms and Conditions (PDF) for criteria. 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 .