--- title: "ANZ Progress 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/e9a3b4fe-240c-388e-2282-42db8f570e63 source: "CDR Compare" language: en-AU last_updated: 2026-10-08T13:01:00.000Z --- # ANZ Progress 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** Savings account with bonus interest if you meet the eligibility criteria. ## At a glance - **Base rate:** 0.01% - **Bonus rate:** 3.99% (conditions apply) ## Apply Applications are handled by the provider: [Apply at ANZ](https://applyapp.anz.com/?producttype=ps&sourcecode_1=PO01&schema=sola) ## Interest rates | Type | Rate | Comparison | Applies to | | --- | --- | --- | --- | | Penalty | 20.95% | — | — | ## Deposit rates | Type | Rate | Applies to | Interest paid | | --- | --- | --- | --- | | Variable | 0.01% | — | monthly | | Bonus (Bonus interest is subject to eligibility. ANZ Progress Saver pays bonus interest (in addition to the current variable base interest) in respect of a particular month if the set minimum deposit (currently $10) and no withdrawals, fees or charges are processed to the account on or before the last business day of that calendar month, and after the last business day of the previous calendar month. Bonus and base rates are variable and subject to change. · Minimum deposit amount · Withdrawal limit applies) | 3.99% | — | monthly | ## Fees | Fee | Type | Amount | | --- | --- | --- | | Staff Assisted Transaction | Transaction | $2.50 | | Electronic Transaction | Transaction | $1.00 | | 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 — ANZ will charge 3% of the value of any International Transaction charged or credited to an ANZ account. | Transaction | 3% of transaction | | 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 | | Replacement for lost or stolen bank cheque | Event | $32.50 | | Bank Cheque Repurchase Fee | Event | $25.00 | | Telegraphic transfer within Australia from your ANZ account to another account | Event | $28.00 | | Bank Cheque Request at ANZ Branch — Providing bank cheques (Australian dollars only) This is a charge for issuing a bank cheque to an ANZ account holder. | Event | $10.00 | ## 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)** - **Digital wallet** — Apple Pay - **Digital wallet** — Google Pay - **Digital wallet** — Samsung Pay - **Digital wallet** — Fitbit Pay - **Digital wallet** — Garmin Pay - **Bill payment (BPAY)** — BPAY - **Free transactions** — 1 (Unlimited ANZ Internet banking transactions plus one ANZ transaction per month) - **Fraud protection** - **You can qualify for bonus interest when you make at least a single deposit of $10 or more in a month and if no withdrawals, transfers, fees or charges are processed to the account in that month. Bonus interest is subject to eligibility. Refer to ANZ Saving & Transaction Products T&Cs for further details including what’s included in your balance, how interest is calculated and how we work out if you earn and qualify for bonus interest. Interest rates are variable and subject to change.** - **Unlimited internet banking transactions** - **Set and track your savings goal Whether you're saving for something big or small, you can set a goal in the ANZ APP to help you save, and see how you're tracking. Set a savings goal today.** - **Card access** — ANZ Visa Debit card - **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. ## More information from ANZ - [Overview](https://www.anz.com.au/personal/bank-accounts/savings-accounts/progress-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/progress-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: `e9a3b4fe-240c-388e-2282-42db8f570e63` - Last updated by the provider: 8 October 2026 - Source payload (JSON): https://www.cdrcompare.au/api/raw/anz/e9a3b4fe-240c-388e-2282-42db8f570e63 - 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/e9a3b4fe-240c-388e-2282-42db8f570e63) — product data published by Australian data holders under the Consumer Data Right. 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