ANZ
ANZ 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.
Savings & transaction accountsBank updated 11 Sept 2026
At a glance
- Monthly fee
- $10
§ 01 — Rates · 1
| Type | Applies to | Term | Band | Rate | Comparison | Conditions |
|---|---|---|---|---|---|---|
| Penalty | — | — | — | 16.20% | — | Retail Index Rate + 4.0% |
§ 02 — Fees · 4
| Fee | Type | Amount | When | Notes |
|---|---|---|---|---|
| Dishonour Fee | Dishonour | $6 | — | 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. |
| Account Service | Periodic | $10 | Every 1 mo | For administering the account, charged monthly on the day the account was opened. |
| Overseas ATM Transaction Fee | Transaction | $5 | — | 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 |
| Overseas Transaction Fee | Transaction | 3.00% of transaction | — | 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 Proportion of the total AUD withdrawn or credited amount including any third party ATM operator fees. |
§ 03 — Features
Offset accountInstant paymentsDigital bankingFraud protectionUnlimited transactionsApple PayGoogle PaySamsung PayFitbit PayGarmin Pay
§ 04 — Eligibility & 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
§ 05 — Compare
§ 06 — Run the numbers
Put this product through a calculator
Published by ANZ under the Consumer Data Right, last changed by them on 11 Sept 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.