ANZANZ Online Saver
Online savings account with a standard variable interest rate
At a glance
- Base rate
- 1.60%
How it compares
This account in ink, against the best that every other institution publishes for anyone to apply for. Each figure is counted the same way for all of them.
| Rate | This account | Best anywhere | Typical institution | Where it sits |
|---|---|---|---|---|
| No bonus conditionsPaid whatever you deposit or spend | 1.60% | 4.80%MoveBank's Online Saver | 2.25%of 61 institutions | 38th highest of 61 |
Rates
Every rate ANZ publishes for this account, 2 in all.
| Type | Applies to | Term | Band | Rate | Comparison | Conditions |
|---|---|---|---|---|---|---|
| Penalty | - | - | - | 20.95% | - | Retail Index Rate + 8.5% |
| Variable | - | - | - | 1.60% | - | paid every 1 mo |
Rate changes
2 changes logged, newest first.
| Date | Rate | Was | Now | Change |
|---|---|---|---|---|
| 9 Oct 2026 | Penalty | 20.70% | 20.95% | up 0.25 |
| 9 Oct 2026 | Variable | 1.35% | 1.60% | up 0.25 |
Each change is logged the night it appears in the rates ANZ publishes. See how every lender answered the RBA on the rate tracker.
Fees
One fee published, grouped by when they're charged.
If a payment is late or fails1
- Dishonour Fee
Debited to your account on the day of the dishonour for determining whether to process a debit to your account using the Informal Overdraft facility, where that debit is declined. A Dishonour Fee is…
$6
Features
- Open an ANZ Online Saver and earn standard variable interest, even if you make a withdrawal. Standard variable rate subject to change.
- No monthly account service fees
- No minimum balance
- Standard variable interest, even if you make a withdrawal
- Access to your money anytime online via your linked bank account
Eligibility and limits
- Minimum age 12
- Residency: You must be an Australian resident with an Australian residential and mailing address.
- 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 ac…
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Published by ANZ under the Consumer Data Right, last changed by them on 9 Oct 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.