The Australia and New Zealand Banking Group (ANZ)
摘要： 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 |
| 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 |
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