ANZ New Zealand

The ANZ website contains the following categories:

The About us category contains the following sections:

Rates, Fees and Charges

Account Transaction Charges

The following information is current as at 1st September 2009 and subject to change.

In addition to the Transaction Charges below, Service Charges may also apply. Please refer to Account Service charges section.

Everyday account transaction charges top
  ANZ Everyday ANZ Advantage ANZ Control
  The ANZ Everyday Account offers you unlimited transactions using ANZ ATMs, eftpos and personal cheques, as well as phone, internet and branch deposits and withdrawals - all for just $5 a month. A high interest everyday account designed for customers who maintain credit balances in their everyday accounts A pay-as-you-go account that puts you in control - you only pay for what you use.
Administration fee $5.00 per month $10.00 per month No fee
Transaction fees:      
Electronic withdrawals No fee No fee $0.60 each
Manual withdrawals (including cheques) No fee No fee $1.00 each
Deposits (electronic and manual) No fee No fee No fee
Service fees for:      
Automatic payment No fee No fee No fee
Pay Anyone No fee No fee No fee
Bill Payment No fee No fee No fee
ANZ Phone Direct, fee per call No fee No fee No fee
ANZ Internet Banking access No fee No fee No fee
Notes All transactions free, except non-ANZ/National Bank ATM transactions. All transactions free, including domestic ATM. International ATM charges apply. No transaction fees if you maintain an average monthly balance of $5,000 or more during an account's key date cycle*

* The day you open the account is the start of each monthly key cycle.
Accounts for teens, students and graduates top
Fee type ANZ Youth Account ANZ Student ANZ Graduate
  Available to persons up to 19 years old A great account to help students 'fill the gaps' and make life a little easier A great account for recent graduates looking to kickstart their careers
Administration fee No fee No fee No fee
Transaction fees:      
Electronic withdrawals No fee No fee No fee
Manual withdrawals (including cheques) No fee No fee No fee
Deposits (electronic and manual) No fee No fee No fee
Service fees for:      
Automatic payment No fee No fee No fee
Pay Anyone No fee No fee No fee
Bill Payment No fee No fee No fee
ANZ Phone Direct fee per call No fee No fee No fee
ANZ Internet Banking access No fee No fee No fee
Notes Eligibility criteria apply. All transactions free, except non-ANZ/National Bank ATM transactions. Eligibility criteria apply. All transactions free, except non-ANZ/National Bank ATM transactions. Eligibility criteria apply. All transactions free, except non-ANZ/National Bank ATM transactions.
Savings and Investment Accounts top
Fee type ANZ Serious Saver ANZ Online Call
  A savings account that is serious about helping you to save. If you can save at least $10 during your account's key-date cycle each month (and not make any withdrawals) we'll reward you with bonus interest and you'll go in the draw to win great cash prizes each month! A savings account which gives you access to your money anytime via Internet, Phone and Mobile Phone Banking and ATMs, plus branches - and you earn a competitive rate of interest on every dollar.
Monthly administration fee No fee No fee
Transaction fees:    
Electronic withdrawals One free electronic or manual withdrawal per key-date cycle, then $5.00 per withdrawal
  • Internet, ANZ Phone Direct and ANZ Mobile Phone Banking: Free.
  • ATM: $1.00
Manual withdrawals (including cheques) One free electronic or manual withdrawal per key-date cycle, then $5.00 per withdrawal
  • Staff assisted withdrawals: $3.00
Deposits (electronic and manual) No fee Internet and ANZ Phone Direct: Free
Service fees for:    
Automatic payment No fee N/A
Pay Anyone No fee No fee
Bill Payment No fee N/A
ANZ Phone Direct, fee per call No fee No fee
ANZ Internet Banking Access No fee No fee
Notes Interest paid on every dollar in your account - calculated daily and paid monthly.

Prize draw: you'll get one entry into the monthly prize draw for every dollar your balance increases within your key-date cycle. So the more you save each month, the more changes you have to win in the monthly draw.

Customers with an ANZ transactional account^, get double entries in the monthly prize draw as well.

^ Everyday banking accounts include Everyday account, Everyday Lite, Control Account, Youth Account, Student Account, Graduate Account, Advantage Account, FlexiPlus, Premier Account, Access Account. Business transactional accounts are also included; Business Current Account, Equity Credit Line, Non- Profit Organisation Account, Local Authority Account, Farm Equity Credit Line and Access - Business Account. 		Interest paid on every dollar in your account - calculated daily and paid monthly.
Key to Account Transaction Charges top

Manual transactions

These are transactions completed with the assistance of ANZ staff and include making in-branch deposits, cheques written, withdrawals or transfers.
Note: Deposits made through an ANZ Fast Deposit Box are charged as staff-assisted transactions.

ATM/Electronic transactions

These are transactions completed without the assistance of Bank staff and include ATM, EFTPOS, ANZ Phone Direct, ANZ Internet Banking, automatic payment (AP), direct debit (DD), direct credit (DC), Bill Payment and Pay Anyone transactions.

ANZ Phone Direct

ANZ Phone Direct fees are calculated per calendar month and charged to the first linked account on the account's key date. Call charges will apply for calls made from overseas or cellular phones.

Account's Key Date

An account's key date is the date of the month on which your account was opened. So, if your account was opened on the 11th of the month, this is your account's key date. The account's key date is important because it triggers the following events:

  • Interest will be credited or debited to an account on this date.
  • Administration and account transaction fees will be charged to an account on this date.
  • A statement will be issued on this date, unless you have specifically agreed otherwise with the Bank, or if you have a passbook to record transactions on an account.

Note: Each of your accounts has its own key date.
Fee Exemptions top

Find out more about fee exemptions for everyday banking and saving.