---
title: "ANZ Online Saver — ANZ"
description: "Transaction & Savings Accounts from ANZ. Rates, fees, features and eligibility as published under Australia's Consumer Data Right."
canonical: https://www.cdrcompare.au/brands/anz/products/3776f456-9612-1354-70db-a165f84ef653
source: "CDR Compare"
language: en-AU
last_updated: 2026-10-08T13:02:00.000Z
---

# ANZ Online Saver — ANZ

> Transaction & Savings Accounts from ANZ. Rates, fees, features and eligibility as published by the provider under Australia's Consumer Data Right, compared on CDR Compare.

**Transaction & Savings Accounts**

Online savings account with a standard variable interest rate

## At a glance

- **Base rate:** 1.6%

## Apply

Applications are handled by the provider: [Apply at ANZ](https://applyapp.anz.com/?producttype=os&sourcecode_1=OCE&schema=sola)

## Interest rates

| Type | Rate | Comparison | Applies to |
| --- | --- | --- | --- |
| Penalty | 20.95% | — | — |

## Deposit rates

| Type | Rate | Applies to | Interest paid |
| --- | --- | --- | --- |
| Variable | 1.6% | — | monthly |

## Fees

| Fee | Type | Amount |
| --- | --- | --- |
| 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 only debited when the payment from your account that is declined was attempted via cheque or direct debit | Dishonour | $6.00 |

## Features

- **Digital banking** (Access using ANZ Internet Banking or ANZ App)
- **PayID** (Create a PayID® on your eligible account (PDF) using your mobile phone, email or ABN/ACN (if eligible). With PayID, it's easier to receive payments or set up a PayTo agreement by sharing your PayID instead of your BSB and account number.)
- **Real-time payments (NPP)**
- **Bill payment (BPAY)** — BPAY
- **Fraud protection**
- **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**
- **Bill payment (BPAY)** — PayTo

## Eligibility

- **Minimum age** — 12 years (You must be 12 years of age or older to apply)
- **Residency status** — 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 access. Eligible accounts include ANZ Access Advantage, ANZ Access Basic, ANZ Pensioner Advantage, ANZ Progress Saver, ANZ V2 PLUS and ANZ Premium Cash Management Account. Terms and conditions and fees and charges apply to the eligible account. Monthly fees may apply to the linked account.**

## More information from ANZ

- [Overview](https://www.anz.com.au/personal/bank-accounts/savings-accounts/online-saver/)
- [Terms & conditions](https://www.anz.com.au/content/dam/anzcomau/documents/pdf/saving-transaction-products-tcs.pdf)
- [Eligibility](https://applyapp.anz.com/?producttype=os&sourcecode_1=OCE&schema=sola)
- [Fees & pricing](https://www.anz.com.au/content/dam/anzcomau/documents/pdf/personal-account-fees-charges.pdf)

## Data provenance

- Published by ANZ under the Consumer Data Right
- Product ID: `3776f456-9612-1354-70db-a165f84ef653`
- Last updated by the provider: 8 October 2026
- Source payload (JSON): https://www.cdrcompare.au/api/raw/anz/3776f456-9612-1354-70db-a165f84ef653
- Provider page: https://www.cdrcompare.au/brands/anz
- CDR register entry: https://www.cdr.gov.au/find-a-provider?provider=000006

---

Source: [CDR Compare](https://www.cdrcompare.au/brands/anz/products/3776f456-9612-1354-70db-a165f84ef653) — product data published by Australian data holders under the Consumer Data Right. Not financial advice; no rankings, recommendations or affiliate relationships. Always confirm details with the provider.

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