ANZ

About this bank

Fees & Offers

Monthly Fee

AUD 5

Fee Waiver Conditions

A$5/month. Waived if you are under 25, a full-time student (proof required), or deposit A$2,000+ per month.

Age-based Waiver

Monthly fee waived under age 25

Max Bonus Savings Rate

3.50% p.a. when conditions are met

Welcome Bonus

Not specified

Transfers & Cards

Intl. Transfers

Supports PayID/Osko. Can receive international transfers.

e-Transfer

Not specified

Pre-arrival Window

Not specified

Debit Card

ANZ Access Visa Debit

Australia Details

ATM Fees

Free at ANZ ATMs. Overseas ATMs incur ANZ and operator fees (check the official site for amounts).

Savings Account

ANZ Progress Saver: about 3.50% p.a. (deposit A$10+ monthly with no withdrawals; verify current rate). For higher rates, see ANZ Plus Growth Saver (5.10%).

Account Opening

Open at a branch after arrival (ANZ's current migrant page directs new arrivals to open after arriving). Requires passport, Australian address and Australian mobile number.

TFN

Without a TFN, interest is taxed at the top withholding rate — register your TFN once you have it.

Important notes

Monthly fees, welcome bonuses, and charges change over time (last verified: July 2026). Japanese-language support may depend on branches with Japanese-speaking staff and is not always an official service. Compare real transfer costs as fees plus exchange-rate margin. Always check each official site for the latest details.