Provider
LiveANZ
As of 18 September 2026, ANZ has 15 products across five of the 8 pillars BankMate tracks: 1 savings account, 7 credit cards, 1 term deposit, 2 personal loans and 4 super products. Its highest-placed product is ANZ Advance Notice Term Deposit at 5.13% p.a. for 1 year, 157th of 590 12-month deposits. Its rates last moved on 17 September 2026.
- Pillars
- 5 of 8
- No home loans, share trading, crypto exchange
- Products tracked
- 15
- 1 savings account · 7 credit cards · 1 term deposit
- Highest placed
- #157
- ANZ Advance Notice Term Deposit · of 590 12-month deposits
- Last change
- 17 Sept 2026
- 8 changes on record
What changed
8 changes across 2 pillars since 27 Mar 2026- Term depositsANZ Advance Notice Term Deposit · 4 terms up 0.04 to 0.05mixed
- Term depositsANZ Advance Notice Term Deposit · 14 terms moved in both directionsmixed
- Term depositsANZ Advance Notice Term Deposit · 4 terms cut 0.05−0.05
- Term depositsANZ Advance Notice Term Deposit · 7 terms moved in both directionsmixed
- Term depositsANZ Advance Notice Term Deposit · 6 terms moved in both directionsmixed
- Term depositsANZ Advance Notice Term Deposit · 8 terms up 0.05 to 0.2422 days after the RBA rise to 4.35%mixed
Savings accounts · 1
Total rate, conditions met · ranked among 94 accounts$10 deposit a month · no withdrawals · bonus up to $250k
3.75%#87 of 940.01% base + 3.74% bonus
- Monthly deposits
- $10/month
- Withdrawals
- Not allowed
- Balance range
- $0 - $250,000
- Age
- 12+ years
Full savings accounts record for ANZ →
Total rate is base plus bonus, assuming every monthly condition is met. Full savings history for ANZ · Compare all savings accounts
Credit cards · 7
Ranked by bonus net of first-year fee · of 51 bonus cardsANZ Rewards · 2
180,000 pts ≈ $900 · 130k in year 1
- Annual fee
- $375
- Additional cardholder
- $65
- Foreign transaction fee
- 3.5%
- Rewards program
- ANZ Rewards
- Base earn rate
- 1 ANZ Rewards pts per $
- Purchase rate
- 20.99% p.a.
- Cash advance rate
- 21.99% p.a.
- Complimentary travel insurance
- Yes
- Purchase protection
- Yes
Earn 130,000 extra ANZ Reward Points and $100 back to your new ANZ Rewards Black credit card when you spend $5,000 on eligible purchases in the first 3 months from approval.
125,000 pts ≈ $625 · 85k in year 1
- Annual fee
- $149
- Additional cardholder
- $65
- Foreign transaction fee
- 3.5%
- Rewards program
- ANZ Rewards
- Base earn rate
- 0.5 ANZ Rewards pts per $
- Purchase rate
- 20.99% p.a.
- Cash advance rate
- 21.99% p.a.
- Complimentary travel insurance
- Yes
- Purchase protection
- Yes
Earn 85,000 extra ANZ Reward Points and $50 back to your new ANZ Rewards Platinum card when you spend $3,500 on eligible purchases in the first 3 months from approval.
Qantas Frequent Flyer · 2
80,000 pts ≈ $640 · 40k in year 1
- Annual fee
- $425
- Additional cardholder
- $65
- Foreign transaction fee
- 3.5%
- Rewards program
- Qantas Frequent Flyer
- Base earn rate
- 0.5 Qantas Frequent Flyer pts per $
- Purchase rate
- 20.99% p.a.
- Cash advance rate
- 21.99% p.a.
- Complimentary travel insurance
- Yes
- Purchase protection
- Yes
Earn 40,000 bonus Qantas Points on your new ANZ Frequent Flyer Black credit card when you spend $6,000 on eligible purchases in the first 3 months from approval.
40,000 pts ≈ $320 · 20k in year 1
- Annual fee
- $295
- Additional cardholder
- $65
- Foreign transaction fee
- 3.5%
- Rewards program
- Qantas Frequent Flyer
- Base earn rate
- 0.5 Qantas Frequent Flyer pts per $
- Purchase rate
- 20.99% p.a.
- Cash advance rate
- 21.99% p.a.
- Complimentary travel insurance
- Yes
- Purchase protection
- Yes
Earn 20,000 bonus Qantas Points on your new ANZ Frequent Flyer Platinum credit card when you spend $3,500 on eligible purchases in the first 4 months from approval.
No rewards · 3
$450 value
- Annual fee
- $87
- First-year fee
- $0
- Additional cardholder
- Free
- Rewards program
- None
- Purchase rate
- 20.99% p.a.
- Cash advance rate
- 21.99% p.a.
- Complimentary travel insurance
- Yes
- Purchase protection
- Yes
$450 back to your new card when you spend $4,500 on eligible purchases in the first four months from approval.
$400 value
- Annual fee
- $58
- Additional cardholder
- Free
- Foreign transaction fee
- 3.5%
- Rewards program
- None
- Purchase rate
- 13.74% p.a.
- Cash advance rate
- 21.99% p.a.
- Complimentary travel insurance
- No
- Purchase protection
- No
Earn $400 back to your new card when you spend $5,000 on eligible purchases in the first 6 months from approval.
$220 value
- Annual fee
- $30
- Additional cardholder
- Free
- Foreign transaction fee
- 3.5%
- Rewards program
- None
- Purchase rate
- 20.99% p.a.
- Cash advance rate
- 21.99% p.a.
- Complimentary travel insurance
- No
- Purchase protection
- Yes
$220 back to your new ANZ First credit card when you spend $1,500 on eligible purchases in the first 3 months from approval.
Full credit cards record for ANZ →
Points are valued at BankMate's cents-per-point assumptions. Net figures deduct the first-year fee only. Compare all credit cards · Card report
Term deposits · 1
Best rate per product, by term · ranked within each terminterest annually or quarterly or monthly or at maturity · from $0 · 13 terms
3 mo 3.40%6 mo 5.00%9 mo 3.70%1 yr 5.13%2 yr 4.94%3 yr 4.55%4 yr 3.96%5.13%#157 of 5901 year
- 3 months
- 3.40% · #278 of 369
- 6 months
- 5.00% · #76 of 547
- 9 months
- 3.70% · #324 of 500
- 1 year
- 5.13% · #157 of 590
- 2 years
- 4.94% · #108 of 394
- 3 years
- 4.55% · #105 of 345
- 4 years
- 3.96% · #69 of 157
- Minimum deposit
- $0
- Interest paid
- Annually or Quarterly or Monthly or At maturity
- Early withdrawal
- Allowed · A range of rates With an ANZ Advance Notice Term Deposit, you could potentially earn a higher interest rate in return for giving us 31 days’ notice for early withdrawals. This could help to maximise your savings. There’s a range of rates available for you to consider.
Full term deposits record for ANZ →
Rank compares deposits within the same headline term, as the Term deposit report does. Compare all term deposits
Personal loans · 2
Comparison rate · ranked within unsecured or secured loansUnsecured · variable · car loan · $10/mo
8.18%#74 of 212comparison · from 7.49% advertised
- Advertised rate
- from 7.49% p.a.
- Comparison rate
- 8.18% p.a.
- Rate type
- Variable
- Application fee
- None
- Monthly fee
- $10
- Annual fee
- None
- Early repayment fee
- None
- Loan amount
- $5,000 – $75,000
- Extra repayments
- Yes
Unsecured · fixed · any purpose · $10/mo
8.18%#74 of 212comparison · from 7.49% advertised
- Advertised rate
- from 7.49% p.a.
- Comparison rate
- 8.18% p.a.
- Rate type
- Fixed
- Application fee
- None
- Monthly fee
- $10
- Annual fee
- None
- Early repayment fee
- None
- Loan amount
- $5,000 – $75,000
- Loan term
- 7 years to 7 years
Full personal loans record for ANZ →
Lenders publish the lowest rate in their range; the rate offered depends on the applicant. Compare all personal loans · Personal loan report
Superannuation · 4
10-year return · ranked among options of the same typeMySuper · 1
- ANZ Staff MySuper
ANZ Staff MySuper · Balanced · MySuper · performance test passed
7.39%#110 of 2575-yr 6.25% · fee $315 at $50k
- 3-year return
- 9.43%
- 5-year return
- 6.25%
- 7-year return
- 6.66%
- 10-year return
- 7.39%
- Growth allocation
- 71% growth assets
- Total fee at $50k
- $315
- Total fee at $100k
- $630
- Admin fee at $50k
- $80
- Performance test
- Passed
- Members
- 14,260
- Open to new members
- Yes
Choice · 3
- Aggressive Growth
Employee Section C · Growth · Choice · performance test passed
9.67%#18 of 3885-yr 8.34% · fee $215 at $50k
- 3-year return
- 11.97%
- 5-year return
- 8.34%
- 7-year return
- 8.87%
- 10-year return
- 9.67%
- Growth allocation
- 88% growth assets
- Total fee at $50k
- $215
- Total fee at $100k
- $430
- Admin fee at $50k
- $0
- Performance test
- Passed
- Members
- 50
- Open to new members
- No
- Balanced Growth
Employee Section C · Balanced · Choice · performance test passed
7.57%#107 of 3885-yr 6.41% · fee $235 at $50k
- 3-year return
- 9.60%
- 5-year return
- 6.41%
- 7-year return
- 6.83%
- 10-year return
- 7.57%
- Growth allocation
- 71% growth assets
- Total fee at $50k
- $235
- Total fee at $100k
- $470
- Admin fee at $50k
- $0
- Performance test
- Passed
- Members
- 170
- Open to new members
- No
- Cautious
Employee Section C · Moderate · Choice · performance test passed
4.63%#268 of 3885-yr 4.00% · fee $195 at $50k
- 3-year return
- 6.15%
- 5-year return
- 4.00%
- 7-year return
- 4.09%
- 10-year return
- 4.63%
- Growth allocation
- 42% growth assets
- Total fee at $50k
- $195
- Total fee at $100k
- $390
- Admin fee at $50k
- $0
- Performance test
- Passed
- Members
- 40
- Open to new members
- No
Full superannuation record for ANZ →
MySuper returns are net of all fees for a $50k member; Choice returns are net investment returns before admin fees, as APRA publishes them. Compare all super options · Super report
ANZ has no home loans, share trading or crypto exchange that BankMate tracks. It is not part of a larger group on our register.
Notes on ANZ
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