What ANZ does

ANZ (Australia and New Zealand Banking Group Limited) is a major international banking and financial services group, founded in 1835 and publicly listed on the Australian Securities Exchange under the ticker ANZ. The group operates across approximately 30 markets globally, including more than 10 markets across Asia, with headquarters in Melbourne, regional headquarters in Sydney, Wellington, Singapore, and a DFSA-regulated branch in Dubai, alongside institutional offices in Hong Kong, London, and New York. ANZ serves three core customer segments: Retail/Personal Banking (everyday accounts, savings, home loans, credit cards, personal loans, insurance, and superannuation), Business Banking (SME lending, merchant payments, trade and FX), and Institutional and Corporate Banking (transaction banking, debt capital markets, structured finance, and sovereign/corporate coverage), with an additional Private Banking offering for high net worth individuals.

The group's core technology stack spans the ANZ App, the ANZ Plus digital-first app, Internet Banking, and institutional platforms such as ANZ Transactive Global, Transactive Trade, and FX Online. Proprietary features include ANZ Falcon (fraud detection monitoring millions of transactions daily, underpinned by Fair Isaac Corporation's engine), Voice ID and Selfie ID biometric authentication, ANZ Shield one-time password devices, and Open Banking / Consumer Data Right data-sharing capabilities. Payments are integrated across Apple Pay, Google Pay, Samsung Pay, Fitbit Pay, Garmin Pay, PayID, and BPAY.

ANZ's revenue model is anchored in net interest income on home loans, personal loans, business loans, credit cards, and deposit balances, supplemented by transaction and account fees (with waiver conditions), credit card interchange and annual fees, commissions from distributing insurance and superannuation products, and fee-based institutional banking services including trade finance, FX, and capital markets. Distribution is multi-channel across branches, mobile and internet banking, phone banking, ATMs and EFTPOS, mortgage brokers, and dedicated institutional relationship managers.

Name

ANZ

Legal name

Australia and New Zealand Banking Group Limited

Website

https://anz.com

Company type

Public

Founded year

1835

Operating status

Operating

Short description

ANZ is a major international banking and financial services group serving retail, business, and institutional customers across approximately 30 global markets, with core operations in Australia, New Zealand, and Asia and a digital product suite spanning everyday banking, lending, cards, insurance, superannuation, and institutional transaction banking.

Ownership category

akta.pro rank

Product category

Diversified Banking

NAICS

Commercial Banking (522110), Commercial Banking (52211), Depository Credit Intermediation (5221)

SIC

National Commercial Banks (6021), State Commercial Banks (6022)

akta.pro primary industry

Cross-Border FX, Multi-Currency & Treasury for Payments (FSAGABAK)

akta.pro secondary industries

Remittances & Retail FX (Consumer Cross-Border) (FSABAAAK), Cross-Border & FX Payments Platforms (BPAMAFAK)

Keywords

• Retail banking services
• Commercial banking solutions
• Institutional financial services
• Home loan products
• Wealth management services

Headquarters

HQ city

Melbourne

HQ country

Australia

HQ region

Oceania

Offices8 records

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

Personnel, Technology or R&D, Operations, Infrastructure, Marketing or Sales, Others

Revenue model

1. Interest Income: ANZ generates primary revenue through interest earned on lending products including home loans, personal loans, credit cards, and business loans. The bank also earns interest on customer deposits held in savings and term deposit accounts.
2. Transaction and Account Fees: Fees charged for banking services including monthly account service fees, transaction fees (electronic, staff-assisted), ATM withdrawals, and excess usage charges. Certain accounts offer fee waivers based on deposit requirements.
3. Credit Card Revenue: Revenue from credit card transactions including interchange fees, annual card fees, and interest charges on outstanding balances.
4. Insurance and Superannuation Distribution: ANZ distributes insurance and superannuation products, earning commissions from affiliated providers. Insurance products include home, life, income, and car insurance. Superannuation includes ANZ Smart Choice Super.
5. Institutional Banking Services: Revenue from transaction banking services, trade finance, foreign exchange, debt capital markets, and structured finance facilities provided to institutional and corporate clients globally.

Pricing tiers

Go-to-market motion2 records

Distribution channels8 records

Marketing channels6 records

Core offering

ANZ operates as a major international banking and financial services group, offering transaction and savings accounts, term deposits, credit cards, home loans, personal loans, insurance, and superannuation to retail customers; business finance, business credit cards, merchant payments, and international trade services to SMEs; and transaction banking, trade finance, FX, debt capital markets, and structured finance to large corporations, financial institutions, and sovereign entities across close to 30 markets globally.

Product overview

ANZ (Australia and New Zealand Banking Group Limited) operates as a major international banking and financial services group offering a comprehensive suite of banking products and services. The core personal banking portfolio includes transaction and savings accounts (ANZ Access Advantage, ANZ Progress Saver, ANZ Online Saver, ANZ Plus Everyday, ANZ Plus Growth Saver), term deposits (ANZ Advance Notice Term Deposit, ANZ Term Deposit), credit cards, home loans, personal loans, insurance, and superannuation (ANZ Smart Choice Super). For business customers, ANZ provides business finance, business credit cards, merchant payment solutions, and international trade services. Digital banking is delivered through the ANZ App, ANZ Plus App, and ANZ Internet Banking, with institutional services provided via ANZ Transactive Global. Security offerings include proprietary fraud detection technology ANZ Falcon, biometric authentication (Voice ID, Selfie ID), and multi-factor security (ANZ Shield, SMS OTP). ANZ operates across approximately 30 markets globally with primary operations in Australia and New Zealand, plus significant presence in Asia, Europe, and the Middle East.

Differentiator

Problem solved

Functional benefit

Products and services

• ANZ Access Advantage Everyday transaction account for individuals with fee-free transactions, $5 monthly fee waived when deposits of $2,000+ are made by the last business day of the month; $1.00 electronic transactions, $2.50 staff-assisted, free Internet Banking.
• ANZ Progress Saver Savings account for individuals paying bonus interest when a single deposit of $10+ is made and no withdrawals, fees, or charges occur in the qualifying month, on top of a variable base interest rate.
• ANZ Online Saver High-interest savings account available to customers with eligible ANZ everyday banking accounts, featuring a standard variable interest rate.
• ANZ Advance Notice Term Deposit Term deposit product requiring 31-day notice for early withdrawal, offering competitive interest rates with a minimum deposit of $5,000; an 8-month term is available with a $30 administration fee plus interest reduction for early withdrawal.
• ANZ Term Deposit Fixed-term investment product with guaranteed interest rates for the deposit period; minimum deposit of $5,000.
• ANZ Plus Everyday Digital banking account with smart money management tools as part of the ANZ Plus ecosystem.
• ANZ Plus Growth Saver Savings account linked to ANZ Plus Everyday paying bonus interest when the balance is grown each month; interest calculated on effective daily balance at 11:59pm on last business day of month.
• ANZ Plus Flex Saver Savings account with tiered interest rates, paying a higher rate for balances up to $5,000.
• ANZ Credit Cards Range of credit cards for individuals including low interest rate, rewards, frequent flyer, and platinum options.
• ANZ Home Loans Residential mortgage products for buying, refinancing, or investing in property, including variable and fixed rate options.
• ANZ Personal Loans Unsecured or secured personal loans for purposes including car purchases, debt consolidation, and renovations.
• ANZ Insurance Insurance products for individuals covering home, life, income protection, and car insurance.
• ANZ Smart Choice Super Superannuation and retirement products including ANZ Smart Choice Super and Pension, administered by OnePath Custodians Pty Limited; severe financial hardship withdrawals of $1,000–$10,000 available after 26 weeks on government support.
• ANZ Plus App Digital-only mobile banking application with smart money management tools, two-step security via Access PIN or biometric Selfie ID, and integration with ANZ Plus Growth Saver and Flex Saver accounts.
• ANZ App Mobile banking application for accessing ANZ accounts, making payments, and managing finances on iOS and Android devices, with card controls and account management features.
• ANZ Internet Banking Online banking platform for managing accounts, making payments, BPAY bill payments, and accessing banking services via web browser.
• ANZ Transactive Global Institutional digital banking platform providing corporate and institutional customers with transaction banking, trade finance, and cash management services.
• ANZ Private Banking Specialised banking and advisory services for high net worth individuals, including dedicated relationship managers and tailored wealth management solutions.
• ANZ Business Finance Business lending solutions including flexible loans and cash flow financing options for business operations and growth.
• ANZ Business Credit Cards Credit card products designed for business spending with features for managing business expenses.
• ANZ Merchant and Payments Payment acceptance solutions including EFTPOS machines, online payment processing, and in-person payment terminals for businesses.
• ANZ International Business Trade finance, foreign exchange, and international banking services for businesses operating globally.

Quantifiable outcome

• Deposits protected up to $250,000 per account holder under Financial Claims Scheme
• +1 more outcomes

Segments4 records

Ideal customer profiles4 records

Technology focussed No

API detail

Has API

Yes

API docs

API detail

Core technology

AI maturity

App detail

Integration12 records

AI capability9 records

Feature4 records

Partnerships

One partnership is on record.

• Australian Banking AssociationcoreStrategic or Co-development PartnerANZ is a signatory to the Australian Banking Association's Banking Code of Practice, which sets enforceable standards for customer service and ethical conduct in Australia's banking sector. The code addresses low-fee banking, accessible services, privacy, and hardship support.

Scale indicators4 records

Recent moves6 records

Expansion highlights5 records

Direct peers

• Commonwealth Bank of Australia: Australia's largest bank and ANZ's primary domestic competitor across retail, business, and institutional banking. Operates a comparable full-service model with home loans, deposits, transaction banking, and an established digital platform (CommBank app, NetBank).
• Westpac Banking Corporation: One of Australia's 'Big Four' banks directly competing with ANZ across retail mortgages, deposits, business banking, and institutional services. Comparable product portfolio and regulatory environment under APRA.
• National Australia Bank (NAB): Big Four Australian bank with overlapping retail, business (notably SME), and institutional banking franchises. NAB's BNZ subsidiary in New Zealand makes it a particularly close peer in the trans-Tasman market.
• Macquarie Group: Australian-headquartered bank with a strong institutional banking and asset management franchise, overlapping with ANZ Institutional in markets, FX, and structured finance, plus a growing retail banking and business bank presence.
• Bank of New Zealand (BNZ): ANZ's own New Zealand subsidiary operates in the same domestic market as BNZ (part of NAB Group), ASB (CBA), and Westpac NZ. Highly comparable retail, business, and agribusiness banking franchise across the Tasman.

Broad incumbents

• HSBC Holdings: Global universal bank with a deep Asia franchise that overlaps with ANZ's institutional and cross-border banking business, particularly in trade finance, FX, and DCM across Asia-Pacific corridors.
• Standard Chartered: Emerging-markets-focused international bank with strong Asia, Middle East, and Africa institutional banking presence. Comparable to ANZ in cross-border trade finance, FX, and financial institutions coverage outside of home markets.
• DBS Group Holdings: Leading Singapore-based bank with a strong Asia institutional and transaction banking franchise and recognized digital banking platform. Comparable to ANZ's institutional banking business and an aspirational digital benchmark for ANZ Plus.
• OCBC Bank: Singapore-based universal bank with significant regional presence across Southeast Asia and Greater China, overlapping with ANZ Institutional's Asia footprint in trade finance, FX, and DCM.
• JPMorgan Chase: Global universal bank with a significant presence across ANZ's institutional footprint (particularly the US, Asia, and Europe). Competes with ANZ in cross-border payments, FX, DCM, and trade finance for large corporates and financial institutions.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat6 records

Key risks6 records

Key highlights6 records

Customer concentration

• YouTubeyoutube.com/anzaustralia
• Facebookfacebook.com/ANZAustralia
• LinkedInau.linkedin.com/company/anz
• Instagraminstagram.com/anz_au/?hl=en

Compliance5 records

Revenue estimate

Valuation estimate

Number of profiles

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about ANZ