ANZANZ One Offset Account
An offset account is a transaction account linked to an eligible home or investment loan. The money you have in this account can be used to ‘offset’ the amount you owe on that loan, and you’ll only be charged interest on the difference.
At a glance
- Monthly fee
- $10
Rates
The one rate ANZ publishes for this account.
| Type | Applies to | Term | Band | Rate | Comparison | Conditions |
|---|---|---|---|---|---|---|
| Penalty | - | - | - | 16.45% | - | Retail Index Rate + 4.0% |
Rate changes
One change logged, newest first.
| Date | Rate | Was | Now | Change |
|---|---|---|---|---|
| 9 Oct 2026 | Penalty | 16.20% | 16.45% | 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
4 fees published, grouped by when they're charged.
While you hold it1
- Account Service
For administering the account, charged monthly on the day the account was opened.
$10 a month
When you make a transaction2
- Overseas ATM Transaction Fee
Applicable for a withdrawal from a non-ANZ ATM outside Australia (per withdrawal), and debited to your account at the same time as the withdrawal is debited
$5 - Overseas Transaction Fee
Charged on any international transaction charged or credited to an ANZ account. Proportion of the total AUD withdrawn or credited amount including any third party ATM operator fees.
3.00% of transaction
If a payment is late or fails1
- Dishonour Fee
Debited when the payment from your account that is declined was attempted via cheque or direct debt. Refer to the Account Fees and Charges booklet for further information.
$6
Features
Eligibility and limits
- Minimum age 18
- Residency: You must be an Australian resident with an Australian residential and mailing address.
- Applicant's primary income is in Australian Dollars
Compare it with others
Put this product through a calculator
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.