The linked everyday and savings accounts come as a two-for-one account bundle exclusively available via the ANZ Plus app. You can access a range of features to help you get more visibility and control over your money such as automatic spend categorisation and an expense prediction tool. Plus, there are no monthly account fees to worry about.
ANZ Plus Account
- Account keeping fee
- $0
- ATM withdrawal fee
- $0
- Overseas ATM withdrawal fee
- $5
- Overseas transaction fee of transaction value
- 3%
Our verdict
ANZ Plus offers a linked everyday and savings account with no monthly account fees. Plus, access digital tools and features to help you budget and save for different goals.
This is a unique two-in-one account bundle that gives you an everyday bank account and linked savings account in a dedicated mobile app that's just for these accounts. Having the 2 accounts side by side in your ANZ Plus app gives you good visibility over your everyday expenses and bills, alongside your savings goals. The app will show you how much you're spending month to month and how you're tracking against your savings goals.
The account has no monthly account keeping fees and you can set up your Visa Debit Card with Google Pay or Apple Pay to make secure contactless purchases. If you're planning to take this account travelling with you, there are overseas ATM fees when using ATMs owned by banks other than ANZ, and international transaction fees do apply.
Another thing to note is the ANZ Plus app is exclusively for these 2 accounts only, so if you've got another existing ANZ account you won't be able to see it in this app.
Pros
-
Linked bank account and savings account in one app
-
Automatic spending categorisation
-
No monthly account fees
-
In app coach messaging for account support
Cons
-
No access to ANZ branches
-
Overseas ATM fees apply when using an ATM not owned by ANZ
-
International transaction fees apply
Details
Key details
| Product Name | ANZ Plus Account |
| Monthly account fee | $0 |
| Card access | Visa |
| Own network ATM fee | $0 |
| International ATM Fee | International ATM fee $5 |
| International transaction fee | 3% |
| Monthly deposit required to waive account fee | N/A |
| Contactless Payments | Apple Pay, Google Pay, Samsung Pay, Garmin Pay |
Eligibility
| Minimum Age | 15 |
| Joint account availability | No |
| Minimum opening deposit | N/A |
| Residency status | Have an Australian Residential Address |
"I love that this app is separate to my other ANZ accounts which keeps my savings accumulating without the temptation to dip into it. I've set up numerous different savings goals from a new car fund to my daughter's dance fees which you can pick a cute emoji for. I find the tracker which shows how I'm going against my money goal very motivating. The app was so intuitive to set up - definitely one I share with friends. A very easy to use app that just makes my banking feel a bit less of a chore and a bit more fun."
How to apply
To create an account, download the ANZ Plus app and complete the account set up and verification process via the app.
- Age. You must be 15 or older to open an ANZ Plus account
- Residency. You must have an Australian residential address.
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Alison Finder
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Richard Whitten Finder
October 07, 2024
Hi Vanir,
Most Australian bank accounts will require an Australian phone number in addition to an Australian address, plus ID (you can use a non-Australian passport). Most banks require you to be in the country to open the account.
You’d have to open an account when you visit and use a local phone number.
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Garry
February 07, 2024
I am an existing ANZ customer, within my range of business accounts I have 2 accounts that act as savings accounts, one account I pay into weekly to cover my GST bill, the other I pay into to cover my mortgage, neither earn any interest and probably cost me money!! can you recommend an account where these savings can sit and earn interest until the funds are required. preferable at little or no cost to me.
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Sarah Megginson Finder
February 14, 2024
Hi Garry,
Business accounts typically attract lower interest rates than personal savings accounts, although there are some that pay up to 4.75% as of today. You can review a range of options on business savings accounts here.
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Jukie
January 24, 2024
I see that a daily transfer OUT limit on the ANZ save Account is $5,000. How do I organise to increase this limit to a transfer limit of my choice ?
Jason Loewenthal Finder
February 02, 2024
Hi Jukie,
$5,000 is the default limit.
1. Go to the Profile icon.
2. Tap on Payment Settings.
3. Select the limit you’d like to update.
I hope that helps.
Tomasz
January 04, 2024
If I open ANZ account with Visa debit card can I make card payment to the platfroms like Binance?
Richard Whitten Finder
January 09, 2024
Hi Tomasz,
I suggest checking with ANZ directly if you are unsure about this. Some banks do limit the amount of money you can send to cryptocurrency platforms each month, and this may apply here.
Kyle
August 30, 2023
So the anz save account comes with an everyday account linked to it. Are there any fees or requirements attached to the everyday account? Would it be a problem for my balance in the everyday account to be 0?
Would I be able to transfer money from a different bank to the save account?
Alison Banney Finder
August 31, 2023
Hi, there are no monthly account keeping fees on the everyday account (ANZ Plus). However, other fees and charges do apply for example international transaction fees and overseas ATM fees. You can first transfer money from an external bank account into the Plus account, then instantly move it from there into your Save account via the app.
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VANIR
October 02, 2024
I am not an Australian resident but I have a son who lives and works in Sydney, and I usually visit him 2 to 4 times annually. I want to open an account in an Australian bank. Will it be possible, using my son’s permanent address and my own phone number, which is not an Australian one?