ANZ
Every product ANZ publishes under the Consumer Data Right, with its rates set beside every other bank's. It last changed one on 3 Nov 2026.
- Deposits are covered by the government's Financial Claims Scheme up to $250,000 per account holder, one cap shared with ANZ Plus under the same banking licence. Who shares a cap
- Australian credit licence and AFS licence 234527, held by Australia and New Zealand Banking Group Limited; credit licence since 1 March 2011. Complaints it can't resolve go to the Australian Financial Complaints Authority (AFCA). ASIC register
37 products in 8 categories
ANZ's rates today
ANZ's best rate in each category, next to the best you'll find anywhere and the typical institution's best, as of 7 November 2026. Only products anyone can apply for are counted.
Where ANZ sits among every institution's best
| Rate | ANZ | Best anywhere | Typical institution |
|---|---|---|---|
| Variable home loanOwner occupier, principal & interest, 80% LVR | 6.79%ANZ Simplicity PLUS | 5.93%SCCU's BROKER HOME LOAN | 6.38%of 104 institutions |
| 3-year fixed home loanOwner occupier, principal & interest, 80% LVR | 6.89%ANZ Fixed Rate home loan | 6.24%Credit Union SA's 3-Year Fixed 40 Year Home Loan Package | 6.69%of 80 institutions |
| Savings accountBase plus any bonus, when its conditions are met | 4.35%ANZ V2 PLUS | 5.75%Defence Bank Limited's iSaver | 4.85%of 73 institutions |
| 12-month term depositBest rate for a 12-month term | 5.30%ANZ Advance Notice Term Deposit | 5.75%Suncorp Bank's Term Deposit | 5.30%of 65 institutions |
| Personal loanLowest advertised rate, fixed or variable, leaving out car loans | 7.49%ANZ Fixed Rate Personal Loan | 5.80%Plenti Personal Loan | 7.96%of 68 institutions |
| Credit card purchase rateOngoing purchase rate, not introductory offers | 13.74%ANZ Low Rate | 7.49%Unity Bank's Low Rate Visa Credit Card | 12.49%of 51 institutions |
| Business 12-month term depositBest rate for a 12-month term | 5.25%ANZ Business Notice Term Deposit | 5.70%AMP Bank GO 12 Month Business Term Deposit | 5.30%of 17 institutions |
| Business credit card purchase rateOngoing purchase rate, not introductory offers | 12.99%ANZ Business Low Rate | 6.96%Greater Bank's Business Visa Credit Card | 13.49%of 14 institutions |
ANZ home loan repayments
Repayments at ANZ's lowest published rate for each loan type: owner occupier at 80% LVR unless marked investor, principal and interest, products open to anyone.
- VariableANZ Simplicity PLUS6.79%6.79% comparison$3,908a month
$806,720 in interest, $1,406,720 repaid in all
- 1-year fixedANZ Fixed Rate home loan6.69%7.41% comparison$3,868a month
$792,368 in interest, $1,392,368 repaid in all
- 2-year fixedANZ Fixed Rate home loan6.74%7.34% comparison$3,888a month
$799,536 in interest, $1,399,536 repaid in all
- 3-year fixedANZ Fixed Rate home loan6.89%7.32% comparison$3,948a month
$821,132 in interest, $1,421,132 repaid in all
- 5-year fixedANZ Fixed Rate home loan6.94%7.25% comparison$3,968a month
$828,360 in interest, $1,428,360 repaid in all
- Investor variableANZ Simplicity PLUS7.04%7.04% comparison$4,008a month
$842,861 in interest, $1,442,861 repaid in all
Principal and interest, monthly, as if the rate held for the whole term: a fixed rate reverts to a variable one when the fixed period ends. Fees, offsets and extra repayments aren't included; the repayment calculator handles those. Not ANZ's own calculator: confirm the rate with ANZ before you apply.
ANZ home loan rates
Compare across banks3 products
Its lowest owner-occupier variable home loan rate (principal and interest, 80% LVR) is 6.79%, with a comparison rate of 6.79%, on its ANZ Simplicity PLUS: 86th lowest of 104 lenders, level with one other.
- ANZ Fixed Rate home loan
- Fixed
- 1 yr 6.69%, 2 yrs 6.74%, 3 yrs 6.89%, 4 yrs 6.89%, 5 yrs 6.94%
- Max LVR
- 80%
- Features
- offset, redraw, extra repayments
- ANZ Simplicity PLUS
- Variable (owner occ. P&I)
- 6.64%, 6.64% comparison
- Variable (investor P&I)
- 6.89%
- Max LVR
- 90%
- ANZ Standard Variable home loan
- Variable (owner occ. P&I)
- 7.49%, 7.49% comparison
- Variable (investor P&I)
- 8.09%
- Max LVR
- 80%
ANZ savings and transaction account rates
Compare across banks14 products
Its highest savings rate is 4.35%, on its ANZ V2 PLUS: 48th highest of 84 institutions.
- ANZ Access Advantage
- Monthly fee
- $5
- ANZ Access Basic
- Pricing
- Rates on application
- ANZ Business Essentials
- Base rate
- 0.00%
- Monthly fee
- $10
- ANZ Business Extra
- Monthly fee
- $10
- ANZ Business Online Saver
- Base rate
- 0.00%
- ANZ One Offset Account
- Monthly fee
- $10
- ANZ Online Saver
- Base rate
- 1.60%
- ANZ Pensioner Advantage Account
- Base rate
- 0.05%
- ANZ Premium Cash Management Account
- Base rate
- 0.00%
- ANZ Progress Saver
- Base rate
- 0.01%
- Bonus rate
- 3.99%
- Up to
- 4.00%
- ANZ SMSF Cash Hub Account
- Base rate
- 1.25%
- ANZ V2 PLUS
- Base rate
- 4.35%
- Farm Management Deposit At Call
- Base rate
- 1.25%
- Farm Management Deposit Fixed Term
ANZ term deposit rates
Compare across banks3 products
Its highest 12-month term deposit rate is 5.30%, on its ANZ Advance Notice Term Deposit: 28th highest of 65 institutions, level with 14 others.
| Rate | ANZ | Best anywhere | Typical institution |
|---|---|---|---|
| 3-month term depositBest rate for 3 months | 3.35%ANZ Advance Notice Term Deposit | 5.30%Heartland Bank's Broker Term Deposit | 4.60%of 55 institutions |
| 6-month term depositBest rate for 6 months | 3.50%ANZ Advance Notice Term Deposit | 5.47%Heartland Bank's Broker Term Deposit | 5.10%of 63 institutions |
| 12-month term depositBest rate for 12 months | 5.30%ANZ Advance Notice Term Deposit | 5.75%Suncorp Bank's Term Deposit | 5.30%of 65 institutions |
| 2-year term depositBest rate for 2 years | 5.00%ANZ Advance Notice Term Deposit | 5.60%Judo Bank's Personal Term Deposits | 4.90%of 55 institutions |
| 3-year term depositBest rate for 3 years | 4.60%ANZ Advance Notice Term Deposit | 5.60%Judo Bank's Personal Term Deposits | 4.25%of 44 institutions |
ANZ credit card rates
Compare across banks11 products
Its lowest credit card purchase rate is 13.74%, on its ANZ Low Rate: 34th lowest of 51 card issuers.
- ANZ Business 55 Interest Free Days
- Purchase rate
- 17.74%
- Cash advance
- 19.24%
- Interest-free days
- 55
- ANZ Business Black
- Purchase rate
- 20.24%
- Cash advance
- 21.74%
- Interest-free days
- 44
- ANZ Business Low Rate
- Purchase rate
- 12.99%
- Cash advance
- 14.49%
- Annual fee
- $100, discounted first 1 yr
- ANZ First
- Purchase rate
- 22.49%
- Cash advance
- 23.49%
- Interest-free days
- 55
- ANZ Frequent Flyer Black
- Purchase rate
- 22.49%
- Cash advance
- 23.49%
- Interest-free days
- 44
- ANZ Frequent Flyer Platinum
- Purchase rate
- 22.49%
- Cash advance
- 23.49%
- Interest-free days
- 44
- ANZ Low Rate
- Purchase rate
- 13.74%
- Cash advance
- 23.49%
- Interest-free days
- 55
- ANZ Platinum
- Purchase rate
- 22.49%
- Cash advance
- 23.49%
- Interest-free days
- 55
- ANZ Qantas Business Rewards
- Purchase rate
- 20.24%
- Cash advance
- 21.74%
- Interest-free days
- 44
- ANZ Rewards Black
- Purchase rate
- 22.49%
- Cash advance
- 23.49%
- Interest-free days
- 44
- ANZ Rewards Platinum
- Purchase rate
- 22.49%
- Cash advance
- 23.49%
- Interest-free days
- 44
ANZ personal loan rates
Compare across banks2 products
Its lowest advertised personal loan rate is 7.49% fixed, with a comparison rate of 8.18%, on its ANZ Fixed Rate Personal Loan: 43rd lowest of 69 lenders.
Has ANZ passed on the RBA's November 2026 rate rise?
ANZ hasn't changed its published variable home loan rates since the RBA's 4 Nov 2026 rise.
Its published savings rates haven't moved since the RBA's 4 Nov 2026 rise.
Fri 23 Oct
ANZ lifted 1 savings rate by 0.25 percentage points.
0.25
Fri 9 Oct
ANZ lifted 32 variable home loan rates by 0.25 percentage points.
0.25- ANZ Simplicity PLUS (24 rates)
- ANZ Standard Variable home loan (8 rates)
ANZ lifted 10 savings rates by 0.10 to 0.25 percentage points.
0.10 to 0.25- ANZ Online Saver (1 rate)
- ANZ Business Online Saver (4 rates)
- ANZ Progress Saver (1 rate)
- ANZ SMSF Cash Hub Account (2 rates)
- ANZ Pensioner Advantage Account (2 rates)
ANZ lifted 30 fixed home loan rates by 0.20 to 0.25 percentage points.
0.20 to 0.25ANZ lifted 4 term deposit rates by 0.24 to 0.25 percentage points.
0.24 to 0.25
Tue 29 Sep
ANZ lifted 6 credit card purchase rates by 1.50 percentage points.
1.50- ANZ First (1 rate)
- ANZ Frequent Flyer Black (1 rate)
- ANZ Platinum (1 rate)
- ANZ Rewards Black (1 rate)
- ANZ Frequent Flyer Platinum (1 rate)
- ANZ Rewards Platinum (1 rate)
Thu 24 Sep
ANZ lifted 20 term deposit rates by 0.09 to 0.10 percentage points.
0.09 to 0.10
Published by ANZ under the Consumer Data Right, last changed by them on 3 Nov 2026. Figures are shown as the institution publishes them and can change without notice; confirm on their site before applying. The Finance Algorithm earns nothing from any product listed here.