　The Australia and New Zealand Banking Group (ANZ)

WikiFX | 2025-05-12 15:37

บทคัดย่อ：　The Australia and New Zealand Banking Group (ANZ) is a well-established financial institution headquartered in Melbourne, Australia, with a rich history dating back to 1835. ANZ offers a diverse range of financial services, including personal and business banking, investment and superannuation solutions, institutional and corporate services, as well as specialized support for Indigenous small business owners. Regulated by the Australian Securities and Investments Commission (ASIC), ANZ ensures compliance with financial regulations, adding to its reputation as one of the “Big Four” banks in Australia. For more information and access to their services, you can visit the ANZ Website.

ANZ Review Summary
Founded	1951
Registered Country/Region	Australia
Regulation	ASIC
Products and Services	Personal, Business, and Institutional Banking Products (see summary below)
Demo Account	❌
Trading Platform	ANZ Plus App, ANZ App
Min Deposit	No minimum deposit requirement stated
Customer Support	Call: 13 13 14 or +61 3 9683 9999

ANZ Information

ANZ, founded in 1951, is a well-established Australian bank regulated by ASIC. It provides full financial services to retail, commercial, and institutional clients. ANZ has great mobile banking apps, attractive savings rates, and straightforward fees. It doesn't support MT4/MT5 or demo/Islamic accounts.

Pros and Cons

Pros	Cons
Regulated by ASIC	Does not support trading platforms like MT4/MT5
No monthly account fees on key savings accounts	No demo account available
High interest rates up to 4.75% p.a. on select savings products	No Islamic (swap-free) account option

Is ANZ Legit?

ANZ (Australia and New Zealand Banking Group Limited) is a legitimate and regulated financial institution, authorized by the Australian Securities and Investments Commission (ASIC). It holds a Market Maker (MM) license under license number 000234527, effective since October 1, 2003. This regulatory oversight ensures that ANZ operates in accordance with Australian financial laws and standards.

Products and Services

ANZ offers a broad range of financial services across personal, business, and institutional banking. Its products include bank accounts, loans, credit cards, insurance, investment services, superannuation, foreign exchange, and customized banking solutions for both individuals and corporations.

Category	Products / Services
Personal Banking	Bank accounts, Credit cards, Home loans, Personal loans, Insurance
	Superannuation & retirement, Travel & international, Ways to bank, Private banking
	Intermediary deposits, Financial wellbeing tools, Security hub
Business Banking	Business finance, Business credit cards, Business accounts, Payments solutions
	Online business banking, Business hub, International business, Indigenous banking
	Business cyber security
Institutional Banking	Industry solutions, Global insights (ANZ Insights & Research), Digital services
Institutional Banking	FX Online, Global network presence, Risk and rates advisory, Business cybersecurity

Account Types

ANZ has a great range of genuine accounts suited for various consumer needs, including daily banking, savings, term deposits, and investment cash flow management. They are not now promoting the availability of Islamic (swap-free) accounts or demo accounts.

Account Type	Description	Suitable For
ANZ Plus	Includes a spending account (ANZ Plus) and a savings account (ANZ Save)	Everyday users and goal-based savers
ANZ Access Advantage	Transactional account with Visa Debit, PayID, and fee waivers	General public needing day-to-day banking
ANZ Online Saver	High-interest savings with no minimum balance or fees	Savers who want flexibility and no lock-ins
ANZ Progress Saver	Bonus interest for regular deposits with no withdrawals	Goal-based savers, including youth accounts
ANZ Access Basic	Basic account for concession card holders	Low-income customers or welfare recipients
ANZ Pensioner Advantage	Interest-earning account for pensioners with Visa Debit	Retired individuals receiving pensions
Migrant Banking	Accounts for those newly arrived in Australia	New migrants needing local banking access
Premium Cash Management Account	Investment-linked cash flow management	High-net-worth or investment-focused clients
ANZ Term Deposit (Advance Notice)	Fixed-rate account with various term options	Investors seeking secure, predictable returns

ANZ Fees

ANZs fees are generally low to moderate compared to industry standards. Interest rates vary depending on account type and conditions met. Most accounts like ANZ Save and ANZ Plus Flex Saver offer no monthly account fees and competitive interest rates up to 4.75% p.a.

Account Type	Monthly Fee	Interest Rate (p.a.)	Key Features
ANZ Plus	$0	4.75% (standard + bonus)	Everyday & savings account via app; bonus if balance grows $100+ monthly
ANZ Access Advantage	$5 (may be waived)	No interest	Visa Debit Card, PayID payments, easy everyday use
ANZ Online Saver	$0	1.15% (standard variable)	No min. balance, no monthly fee
ANZ Progress Saver	$0	3.75% (base 0.01% + bonus)	Bonus if $10+ deposited & no withdrawals or fees in a calendar month

Non-Trading Fees

Fee Type	Details
Deposit Fee	Free (domestic deposits)
Withdrawal Fee	Domestic: Free at major bank ATMsInternational: $5 (or free at ANZ ATMs overseas)
Inactivity Fee	None mentioned

Trading Platform

Trading Platform	Supported	Available Devices	Suitable for What Kind of Traders
ANZ Plus App	✔	iOS, Android (Mobile)	Everyday users focused on spending tracking and savings goals
ANZ App	✔	iOS, Android (Mobile)	Customers managing traditional ANZ banking and investment accounts
MetaTrader (MT4/5)	❌	Not supported	Not suitable (no MT4/MT5 access)
Web/Desktop Terminal	❌	Not supported	Not applicable

Deposit and Withdrawal

ANZ does not charge fees for most domestic deposits or withdrawals, and there is no stated minimum deposit requirement. However, certain international transactions may incur fees—such as a $5 international ATM withdrawal fee and up to $15 for inward international money transfers. Processing times are generally instant for digital wallet payments and bank transfers within Australia.

Method	Min. Amount	Fees	Processing Time
Domestic Bank Transfer	No minimum	Free	Instant - 1 business day
ANZ ATM (Domestic)	No minimum	Free	Instant
International ATM Withdrawal	No minimum	$5 or Free at ANZ ATMs	Instant
Inward International Transfer	No minimum	Up to $15	Varies by provider
Digital Wallets (Apple Pay, Google Pay, etc.)	No minimum	Free	Instant