Advice does not take into account your personal needs, financial circ*mstances or objectives.Please consider if it is appropriate for you and read theterms and conditions, Product Disclosure Statement and Financial Services Guide before acquiring any product.See ANZ Plus Terms & Conditions for ANZ Plus and ANZ Save accounts. Applications for credit subject to approval. Terms and conditions available on application. Fees and charges apply.
Images and features shown are iOS versions. Feature availability and design may differ based on the device, operating system, or ANZ Plus app version.
Transaction fees may apply, see theANZ Plus and ANZ Save Accounts T&Csfor details of these fees.
Return
The upcoming expenses tool is a general guide only and is based on historical debits to your ANZ Plus account.
Return
The interest rate that applies to your entire ANZ Save balance may change depending on the daily balance. A lower interest ratewill apply across theentire ANZ Save balance if the daily balance is $250,000 or more. Interest rates are subject to change. For more information click here.
Return
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.
Return
Refer to ANZ Savings & Transaction Products Terms and Conditions (PDF) for criteria.
Return
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 Basic, ANZ Pensioner Advantage, ANZ Progress Saver, ANZ V2 PLUS and ANZ Premium Cash Management Account. Terms andconditions and fees and charges apply to the eligible account.
Return
Open your first ANZ Online Saver account and you'll receive an introductory fixed bonus rate of % p.a. for 3 months, on top of the ANZ Online Saver standard variable rate (currently). After 3 months, the ANZ Online Saver standard variable rate, applicable at that time, will apply. The introductory fixed bonus rate is only available on the first ANZ Online Saver account opened by customers who have not held an ANZ Online Saver in the last 6 months. In case of joint account holders, the introductory fixed bonus rate offer will only be received if all customers are eligible.
Return
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.
Return
An ANZ Advance Notice Term Deposit has a 31 day notice period. This means that if you request an early withdrawal or transfer of all or part of your funds, the funds will not be provided until the 31st day after the request(or, where that is a non-business day, on or beforethe next business day). An administration fee of $30 will be charged and the account will incur an interest reduction in respect of the money withdrawn or transferred early in accordance with theANZ Savings and Transaction Product Terms and Conditions (PDF). If you may have a need in the future to immediately withdraw or transfer funds, other deposit products may be more suitable for you.
Return
Different interest rates apply to different investment amounts, terms and interest frequencies. Early withdrawal feeswillapplyand the account will incur an interest reduction in respect of the money withdrawn or transferred early.Rates current as at and are subject to change.
Return
If your identification document is written in a language other than English, you must provide a translation into English by a translator who is accredited by the National Accreditation Authority for Translators and Interpreters.
Return
I'm an expert in the field of banking and financial services, with a deep understanding of the concepts and terminology used in the following article. Let's break down the information provided in the article and explain the relevant concepts:
-
Personalized Advice: The article mentions that advice may not take into account personal needs, financial circ*mstances, or objectives. In the financial industry, personalized advice refers to recommendations made to an individual based on their unique financial situation and goals. Financial advisors and institutions often offer tailored advice to help clients make informed decisions.
-
Terms and Conditions: It's emphasized to read the terms and conditions, Product Disclosure Statement, and Financial Services Guide before acquiring any financial product. This is a standard practice in the financial sector. These documents provide detailed information about the product, including its features, fees, and important terms.
-
ANZ Plus and ANZ Save Accounts: ANZ Plus and ANZ Save accounts are specific financial products offered by the Australia and New Zealand Banking Group Limited (ANZ). These products likely have distinct features, benefits, and fees associated with them.
-
Applications for Credit: The article mentions that applications for credit are subject to approval. This is a common practice in lending, where individuals or businesses need to apply for credit (e.g., loans or credit cards) and meet certain criteria to be approved.
-
Transaction Fees: Transaction fees may apply to ANZ Plus and ANZ Save Accounts. Transaction fees are charges imposed for specific actions on a bank account, such as withdrawals, transfers, or using certain services.
-
Upcoming Expenses Tool: ANZ offers an upcoming expenses tool, which is a general guide based on historical debits to your ANZ Plus account. This tool likely helps customers plan for future expenses by analyzing their past spending patterns.
-
Interest Rates for ANZ Save: The interest rate for ANZ Save accounts can change depending on the daily balance. Higher balances may earn a higher interest rate, while lower balances may receive a lower rate. This is a common feature in savings accounts.
-
ANZ App: The ANZ App is provided by ANZ and is used for mobile banking. It's important to review the terms and conditions of the app before using it.
-
Super and Insurance: The article mentions that Super and Insurance services are not provided by ANZ but by other entities. Superannuation (super) refers to retirement savings, and insurance can include various coverage options such as life insurance, health insurance, or property insurance.
-
ANZ Online Saver: ANZ Online Saver is a specific savings account product offered by ANZ, and it comes with an introductory fixed bonus rate for the first few months.
-
Bonus Interest: ANZ Progress Saver offers bonus interest if certain conditions are met, such as making a minimum deposit and avoiding withdrawals and fees.
-
ANZ Advance Notice Term Deposit: This is a type of term deposit account that requires a 31-day notice period for withdrawals. Early withdrawal may incur fees and interest reductions.
-
Interest Rates: Different investment amounts, terms, and interest frequencies can have varying interest rates. Early withdrawal may result in fees and reduced interest earnings.
-
Identification Document: If your identification document is in a language other than English, you may need to provide a translation by an accredited translator.
These concepts are crucial for individuals seeking to understand and make informed decisions about their financial products and services, especially when dealing with ANZ's offerings and the associated terms and conditions.
