---
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: 2026-08-28T06:00:00.000Z
---

# 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**

An online savings account

## At a glance

- **Base rate:** 1.35%

## Apply

Applications are handled by the provider: [Apply at ANZ](https://www.anz.com.au/personal/bank-accounts/savings-accounts/online-saver/)

## Interest rates

| Type | Rate | Comparison | Applies to |
| --- | --- | --- | --- |
| Penalty | 20.7% | — | — |

## Deposit rates

| Type | Rate | Applies to | Interest paid |
| --- | --- | --- | --- |
| Variable | 1.35% | — | monthly |

## Features

- **Digital banking** (Access using ANZ Internet Banking or ANZ App)
- **PayID**
- **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**

## 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.
- **You need to choose an eligible ANZ bank account to access your funds
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.**

## 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://www.anz.com.au/personal/bank-accounts/savings-accounts/online-saver/)
- [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: 28 August 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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