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.
Interest Rates
| Type | Rate | Comparison | Applies To |
|---|---|---|---|
| Penalty | 16.2% | — | — |
Fees
| Fee | Type | Amount |
|---|---|---|
| Account Service Charged monthly · For administering the account, charged monthly on the day the account was opened. | Ongoing | $10.00 |
| 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 | Transaction | $5.00 |
| 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 Proportion of the total AUD withdrawn or credited amount including any third party ATM operator fees. | Transaction | 3% of transaction |
| 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. | Dishonour | $6.00 |
Features
- Digital banking
- Access using ANZ Internet Banking or ANZ App
- Bill payment (BPAY) — BPAY
- Unlimited transactions
- Unlimited ANZ transactions available using ANZ Internet Banking, ANZ Phone Banking, ANZ ATMs, ANZ Business Visa Debit and EFTPOS. Also includes any deposit, withdrawal or transfer at ANZ branches, cheques drawn by you and any cheque or manual merchant slip deposited to your account.
- Offset account
- An offset account is a transaction account linked to an eligible home or investment loan. The money you have in this account could offset the amount you owe on that loan, and you'll only be charged the interest on the difference.
- Real-time payments (NPP)
- Fraud protection
- Digital wallet
Eligibility
- Minimum age — 18 yearsYou must be 18 years of age or older to apply
- Residency status — You must be an Australian resident with an Australian residential and mailing address.
- Applicant's primary income is in Australian Dollars
More Information
Published by ANZ under the Consumer Data Right · Last updated 21 May 2026 · Product ID 7ea773cd-1628-4536-bb7f-849bbb815672 · View on CDR.gov.au · View Source Data (JSON)