RBA Cash Rate: 3.60% · 1AUD = 0.66 USD · Inflation: 2.1%  
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Example Interest Rates: Home Loan Variable: 4.99% (4.99%*) • Home Loan Fixed: 4.79% (5.47%*) • Fixed: 4.79% (5.47%*) • Variable: 4.99% (4.99%*) • Investment IO: 4.99% (5.81%*) • Investment PI: 4.89% (5.26%*)
Product Library

  ANZ Progress Saver

Savings account where can earn bonus interest for saving regularly
Category: Transaction & Savings Accounts  Last Updated October 21, 2025  Effective December 22, 2025

General Lending Rates

Rates listed below are for a product. Additional Information
Interest Rate
NA PA
Comparison Rate
NAPA*
Product rates will vary depending upon your financial position< LVR, and other criteria. The product may also vary depending upon the rate type, repayment type, or loan purpose. We encourage you to contact us for a full understanding of the product and terms.

Product Features

  • Digital Banking Additional Information: Access using ANZ Internet Banking or ANZ App
  • Npp Payid
  • Npp Enabled
  • Digital Wallet
  • Digital Wallet
  • Digital Wallet
  • Digital Wallet
  • Digital Wallet
  • Bill Payment
  • Free Txns Additional Information: Unlimited ANZ Internet banking transactions plus one ANZ transaction per month
  • Fraud Protection
  • Other Additional Information: Bonus interest if you deposit at least $10 in one transaction and don't withdraw or transfer money out 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
  • Other Additional Information: Unlimited internet banking transactions
  • Other Additional Information: 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.
  • Other Additional Information: Great for kids banking Open your child’s first savings account and help to start their journey of banking with ease!

Product Eligibility

  • Min Age - 12. Additional Information: 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..

Bank Fees and Charges

  • Staff Assisted Transaction (Transaction), Amount: 2.50.
  • Electronic Transaction (Transaction), Amount: 1.00.
  • Overseas Atm Transaction Fee (Transaction), Amount: 5.00. Additional Information: 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
  • Overseas Transaction Fee (Transaction), Amount: Not Listed.. Additional Information: ANZ will charge 3% of the value of any International Transaction charged or credited to an ANZ account. It may not always be clear to you when use of your ANZ account is an International Transaction, for example where the merchant or financial institution processing a charge or credit is located outside of Australia.
  • Dishonour Fee (Event), Amount: 6.00. Additional Information: 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

 Limitations & Restrictions (Constraints)

  • Min Balance of 10.00
  • Opening Balance of 10.00

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Timezone: E. AUSTRALIA STANDARD TIME · [ CHANGE ]

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