ANZ Online Saver

savings accountlinked accountterms checked

Online Saver is a savings account from ANZ. It pays 1.85% p.a. with no bonus conditions.

Rate tiers

Every balance band in the bank's feed: base is the rate the bank pays.

One rate on every balance, with no upper limit.

Conditions

• you need a linked eligible ANZ everyday or deposit account at all times
• you must be 12 or older

Features

app

yes

Osko

yes

PayID

yes

PayTo

yes

BPAY

yes

Other features, in the bank's words:

• 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

Fees, limits and who can open it

monthly fee

no monthly fee stated

interest paid

monthly

interest calculated

daily

age

ages 12 and over

open to

personal customers

linked account

a linked transaction account with the same bank is required

Who can open it, in the bank's own words:

• residency: 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.

About this account

Online savings account with a standard variable interest rate

Data

• ANZ's own page for this account.
• The bank's documents its product record links to: terms and conditions, fees, eligibility.
• Our verbatim snapshot of the bank's product record (source), as fetched on 13 November 2026.
• We read the bank's own page and terms against this page on 1 November 2026: online-saver, saving-transaction-products-tcs.pdf, personal-account-fees-charges.pdf; conditions they state and its feed does not are listed above.
• /au/finance/savings-accounts/v1/brands/anz.json: this bank's accounts and every balance band as JSON; ANZ's page lists them.
• The bank last updated this record on 12 November 2026. Rates are per annum as the bank states them; "stale" means the bank has not updated the record for over 60 days or since the latest cash rate change.

Other accounts at ANZ

• Business Online Saver savings account, 1.05% base at $50,000
• Pensioner Advantage Accountstale savings account, 1.65% base at $50,000
• Progress Saver savings account, 4.25% conditional at $50,000
• Premium Cash Management Account cash management account, 0.05% base at $50,000
• SMSF Cash Hub Account cash management account, 2.80% base at $50,000
• V2 Plus cash management account, 4.60% base at $50,000
• Access Advantage transaction account
• Access Basicstale transaction account
• Business Essentials transaction account, 0.01% base at $50,000
• Business Extra transaction account

All of ANZ's accounts on its page, with its best rates per segment and rate kind, and every account at every bank.