Changes to ANZ rates, fees and agreements

Changes to the Access Premium Account and Priority Cash Management Account  

We’re currently reviewing the number of account types we have available and, as part of this, we’re discontinuing the Access Premium Account and Priority Cash Management Account.

If you’re an account holder on either the Access Premium Account or the Priority Cash Management Account, we are moving your account to a similar product. 

The change will happen automatically on 1 May 2026. There is nothing you need to do.

Access Premium Account

Access Premium Accounts will be moved to the Access Everyday Account. This won’t change your account number or how you can use this account. You can still make and receive payments as you do today. 

What is changing:

• The name of your account is changing from the Access Premium Account to the Access Everyday Account. 
• Some fees are changing:
  • You will benefit from a lower Monthly account fee. 
  • The fees for ATM withdrawals and Staff assisted transactions are higher.  

If you are a user of ATM withdrawals and Staff assisted transactions, talk to us about our debit cards, and using digital banking such as ANZ Internet Banking and the ANZ Pacific App, for a faster and more efficient way of banking. If you for any reason have concerns or difficulty using digital banking or cards, please let us know so we can support you.

Priority Cash Management Account 

Priority Cash Management Accounts will be moved to the Pacific Savings Account. This won’t change your account number or how you can use the account and there is no change to your fees and charges. 

What is changing:

• The name of your account is changing from the Priority Cash Management Account to the Pacific Savings Account. 
• The interest rate is changing. If you meet the minimum balance on the Pacific Savings Account, you will have no change to the rate you earn. For the times you do not meet the minimum balance, you will now earn 0.00% p.a. See the tables below for detail. 

Priority Cash Management Account interest rates:

*Interest is calculated based on your end of day account balance. The account balance used on non-business days is the account balance for the previous business day.

Pacific Savings Account interest rates: 

*Interest is earned when you have an end of day account balance of $100 or more. The account balance used on non-business days is the account balance for the previous business day.

You can find more information about these products, terms and conditions and fees and charges on anz.com/samoa.

If you have any questions, please contact us.

Fees, charges and interest rates are subject to change. All interest rates are advised on a per annum (p.a.) basis. ANZ terms and conditions and fees apply.

Changes to Terms and Conditions 

We’re making changes to some of our Terms and Conditions. These changes will come into effect from 15 October 2025.

We’re making changes to these documents to enhance clarity, for consistency and to improve the way the products, services, rights and obligations are described.

Here’s a summary of the changes:

ANZ Savings & Transaction Products Terms and Conditions

• Amending the section describing how we can make changes to the terms and conditions, products and services. We have added more detail on the kinds of changes we might make to your product or service. We have also simplified the wording on how we will let you know of changes and the notice that we will give you.
• Updating the ways that we may give notice and communicate with you to allow for greater flexibility in how we get in touch with you.
• To give greater flexibility to how we return funds to you if your account is closed, we will no longer have to send a bank cheque.
•  Providing greater clarity to customers on the governing law and jurisdiction of the Samoa courts.
•  Explaining in more detail how we calculate interest on non-business days and updating some of the sections on processing of electronic payments. This includes adding a page on our website providing more information.
• Adding the terms that apply when you arrange a Telegraphic Transfer.
• Adding references to the ANZ Pacific App.
• Updating some other details.

ANZ Electronic Banking Conditions

• Updating some of the sections on processing of electronic payments. This includes adding a page on our website providing more information.

ANZ General Terms and Conditions

• Updating the Samoa Country Schedule to include more information on how we calculate interest on non-business days.

The following documents will be updated to reflect these changes and will be available on our website and in our branches from 15 October 2025.

• ANZ Savings & Transaction Products Terms and Conditions – Samoa Edition
• ANZ Electronic Banking Conditions
• ANZ General Terms and Conditions – Samoa Country Schedule

If you have any questions, please contact us.

Changes to ANZ Term Deposits and Savings Accounts 

We’re making changes to simplify our savings accounts and term deposits. We’re also updating interest rates for some of these products. The changes are effective from 1 September 2025.  

ANZ Pacific Savings Accounts

• The base interest rate will be increased.
• You will earn interest each day if there is a minimum end of day account balance of $100*.
• The ability to earn bonus interest is removed. This also means that there are no requirements for withdrawals and minimum deposits.

*Interest is calculated for non-business days based on the end of day account balance for the previous business day.

**Interest rate depending on whether bonus interest earned.

ANZ Term Deposits ($3,000 – $100,000)

• ANZ Term Deposits will be offered in three term ranges. 
• We will no longer offer deposit terms under 90 days.
• The minimum deposit amount is increasing from $500 to $3,000.

*This term will no longer be offered for new term deposits. It will continue to roll over at maturity for existing term deposits subject to the Terms and Conditions.

The term deposit interest rates advertised in this notice apply to deposits under $100,000. For other terms, or rates on deposits over $100,000, please speak with one of our staff at the branch or contact your relationship manager.

ANZ Priority Cash Management Accounts

ANZ Priority Cash Management Accounts will no longer be offered to new customers. If you are an existing ANZ Priority Cash Management account holder, you can continue to use your account.

Please note, due to the changes to our savings account products, there may be better alternatives for your savings. If you would like to discuss your options, please call us on +685 69999 or visit an ANZ branch.

All interest rates are subject to change. All interest rates are advised on a per annum (p.a.) basis. ANZ terms and conditions and fees apply. 

If you have any questions, please call us on +685 69999 or visit an ANZ branch.

These changes will be reflected on our website (anz.com/samoa) from 1 September 2025.

The ANZ Fees and Charges Customer Banking Services Samoa brochure will also be updated to reflect these changes. An updated copy will be available from 1 September 2025 on our fees and charges  page and in our branches upon request. 

Changes to ANZ trade fees and charges

Notice published 27 June 2025

We’re making changes to some of our fees and charges for trade customers. These changes will come into effect from 28 July 2025.

The main reason is to simplify the way our fees and charges work, or to reduce or remove them entirely.

Here’s a summary of the changes:

• Reducing the cost of fees for certain services
• Increasing certain fees to better reflect the cost of providing those products and services. These include:
  • Import Documentary credits – Minimum charges are increased
  • Import Documentary collections – Inward collection
  • Export Documentary credits – Advising and Document handling fee
  • Export Documentary collections – Outward collection
  • Guarantee/Standby letter of credit – Inwards - Advising
  • Trade finance loans – Trade loan
• Combining similar fees into one fee to reduce complexity
• Providing fee amounts where these were not provided; and
• Removing a number of fees from the documents where the service is seldom or no longer requested.

Further detail of these changes can be found on our fee changes page. If you have any questions, please contact us on +685 69999 or visit an ANZ branch.

All trade fees will be removed from the ANZ Fees and Charges Customer Banking Services Samoa and will now be found in the ANZ Samoa Standard Trade and Supply Chain Tariffs.

Updated copies of these documents will be available from 28 July 2025 on our fees and charges page and in our branches upon request.