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ANZ / Transaction & savings
ANZ One Offset Account
An offset account is a transaction account linked to an eligible home or investment loan. The money you have in this account can be used to ‘offset’ the amount you owe on that loan, and you’ll only be charged interest on the difference.
Updated 28 Aug 2026Individually tailored product
No deposit rates were provided.
- Additional value
- Retail Index Rate + 4.0%
- Applicability conditions
- Application frequency
- 1 month
- Application type
- Periodic
- Calculation frequency
- 1 day
- Interest payment due
- In arrears
- Lending rate type
- Penalty
- Loan purpose
- Other
- Rate
- 16.2%
- Repayment type
- Other
- Tiers
- Additional info
- For administering the account, charged monthly on the day the account was opened.
- Additional info uri
- View bank information ↗
- Additional value
- 1 month
- Currency
- Aud
- Discounts
- Fee method utype
- fixedAmount
- Fee type
- Periodic
- Fixed amount
- Amount
- $10.00
- Name
- Account Service
- Additional info
- 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
- Additional info uri
- View bank information ↗
- Currency
- Aud
- Discounts
- Fee method utype
- fixedAmount
- Fee type
- Transaction
- Fixed amount
- Amount
- $5.00
- Name
- Overseas ATM Transaction Fee
- Additional info
- Charged on any international transaction charged or credited to an ANZ account. Proportion of the total AUD withdrawn or credited amount including any third party ATM operator fees.
- Additional info uri
- View bank information ↗
- Currency
- Aud
- Discounts
- Fee method utype
- rateBased
- Fee type
- Transaction
- Name
- Overseas Transaction Fee
- Rate based
- Rate
- 3%
- Rate type
- Transaction
- Additional info
- Debited when the payment from your account that is declined was attempted via cheque or direct debt. Refer to the Account Fees and Charges booklet for further information.
- Additional info uri
- View bank information ↗
- Currency
- Aud
- Discounts
- Fee method utype
- fixedAmount
- Fee type
- Dishonour
- Fixed amount
- Amount
- $6.00
- Name
- Dishonour Fee
- Additional info
- Access using ANZ Internet Banking or ANZ App
- Additional info uri
- View bank information ↗
- Feature type
- Digital banking
- Additional info uri
- View bank information ↗
- Additional value
- Bpay
- Feature type
- Bill payment
- Additional info
- Unlimited ANZ transactions available using ANZ Internet Banking, ANZ Phone Banking, ANZ ATMs, ANZ Business Visa Debit and EFTPOS. Also includes any deposit, withdrawal or transfer at ANZ branches, cheques drawn by you and any cheque or manual merchant slip deposited to your account.
- Additional info uri
- View bank information ↗
- Feature type
- Unlimited txns
- Additional info
- An offset account is a transaction account linked to an eligible home or investment loan. The money you have in this account could offset the amount you owe on that loan, and you'll only be charged the interest on the difference.
- Additional info uri
- View bank information ↗
- Feature type
- Offset
- Additional info uri
- View bank information ↗
- Feature type
- Npp enabled
- Feature type
- Fraud protection
- Additional info uri
- View bank information ↗
- Additional value
- Apple Pay
- Feature type
- Digital wallet
- Additional value
- Any ANZ card
- Feature type
- Card access
- Additional info uri
- View bank information ↗
- Additional value
- Google Pay
- Feature type
- Digital wallet
- Additional info uri
- View bank information ↗
- Additional value
- Samsung Pay
- Feature type
- Digital wallet
- Additional info uri
- View bank information ↗
- Additional value
- Fitbit Pay
- Feature type
- Digital wallet
- Additional info uri
- View bank information ↗
- Additional value
- Garmin Pay
- Feature type
- Digital wallet
- Additional info
- You must be 18 years of age or older to apply
- Additional info uri
- View bank information ↗
- Additional value
- 18
- Eligibility type
- Min age
- Additional info uri
- View bank information ↗
- Additional value
- You must be an Australian resident with an Australian residential and mailing address.
- Eligibility type
- Residency status
- Additional info
- Applicant's primary income is in Australian Dollars
- Additional info uri
- View bank information ↗
- Eligibility type
- Other
No limits & conditions were provided.
No bundles were provided.
From the bank
No application link was provided. Contact the bank to ask about this product.