ANZ Vanuatu review
Updated September 28, 2026 · SumCue Editorial Team · Facts checked September 26, 2026
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Our verdict
ANZ Vanuatu is a straightforward Pacific bank for business customers and savers who want easy access rather than a locked-in term. The savings side pays 0.05% on a variable basis, the card is a debit card on visa, and a monthly fee of FJD 3.50 keeps the everyday costs in view.
Key facts
- Best for
- Everyday banking for business customers who want on demand savings, a debit card and direct lending in one place.
- Monthly fee
- FJD 3.50↗
- Free ATM withdrawals
- FJD 0↗
- Card type
- Debit↗
- Card network
- Visa↗
- Legal entity
- Australia and New Zealand Banking Group Limited↗
- Headquarters
- Fiji↗
- Founded
- 1880↗
- Support channels
- Phone, Email, Help-centre↗
- Features
- Travel
- Audience
- Business
- Official website
- anz.com
Savings
Loans
Mortgages
Facts checked September 26, 2026, 9 sources
Apps and profiles
- Get the app
- App Store
Pros and cons
Pros
- Withdrawals are on demand and free through ANZ Internet Banking and the ANZ Pacific App, with the savings side listed as easy access
- The card is a debit card on the visa network, aimed at travel spending
- Borrowing is offered direct, as a direct lender, at an APR of 8.45% to 16.5% over terms of 6 to 60
- Lending covers personal, secured and car, so car finance and debt consolidation sit alongside personal loans
Cons
- Savings pay 0.05% against a site median headline rate of 3%, so the balance has to work harder
- A monthly fee of FJD 3.50 is listed, so the account is not cost free to hold
- Support runs on phone, email and help centre only, so help is not offered in every channel readers expect
Who it suits
- Business customers, since the listed audience is business
- Savers who want easy access money and can start from a minimum deposit of FJD 100
- Borrowers consolidating debt or buying a car, as personal, secured and car are all offered
Who should look elsewhere
- Anyone wanting a free monthly account, since bunq charges a monthly fee of €0
- Readers who want a credit card rather than a debit card, since Varo Believe Secured Credit Card takes that route for $0
- Readers who judge providers mainly on the monthly charge, since Wise charges £0 against FJD 3.50 here
Rates and card terms
The savings side pays a headline rate of 0.05% on a variable basis, so the return moves with the official rate rather than being fixed for a term. Borrowing works the other way, at an APR of 8.45% to 16.5% over terms of 6 to 60. Readers comparing on rate alone should weigh the savings return against the cost of credit.
The company behind it
The account is run by Australia and New Zealand Banking Group Limited, headquartered in Fiji and founded in 1880. Support runs on phone, email and help centre, so help comes by phone, by email or through a help centre. A bank of that age operating in a single market is the main reassurance for readers weighing where to hold money in the Pacific.
How ANZ Vanuatu compares
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Where ANZ Vanuatu is available
- Available
- Fiji
Countries from the brand (Source, checked September 26, 2026)
Frequently asked questions
What does it cost to hold the account?+
The listed monthly fee is FJD 3.50, and the account is described as no monthly fee. There is no annual charge listed for the card itself, so the monthly figure is the number to budget around. It applies whatever balance you hold, which matters for readers keeping small sums.
What do I earn on savings?+
The headline rate is 0.05% and it is variable, so it moves with the official rate rather than being locked in. The site median for headline rates is 3%, which places this return at the lower end of the range readers compare.
Can I get money out when I need it?+
Withdrawals are on demand and free through ANZ Internet Banking and the ANZ Pacific App. The account kind is listed as easy access, so cash comes out when you ask for it rather than after a notice period. That suits readers who treat savings as working money.
What does borrowing cost?+
Personal lending runs at an APR of 8.45% to 16.5% over terms of 6 to 60. The bank lends as a direct lender, so the application stays inside the same institution that holds the savings. Listed purposes cover purchase and first time buyer, so home and vehicle lending are part of the range.
What card comes with the account?+
It is a debit card running on the visa network, and the product page points to travel spending as the use case. Visa sits behind 58.5% of the card listings on the site, so acceptance away from home is the usual strength of the format.
Who is behind the account?+
The legal entity is Australia and New Zealand Banking Group Limited, headquartered in Fiji and founded in 1880. Support is offered on phone, email and help centre, so phone and email reach the same organisation. Lending and deposits sit with the same bank rather than separate providers.
Who is the account aimed at?+
The listed audience is business, and the listed purposes are purchase and first time buyer, which points at property and first purchases rather than savings only. With a minimum deposit of FJD 100 and an easy access account, it works as a transacting account for people spending locally.
Sources
- anz.com/fiji/en/about-us/anz-fiji checked September 26, 2026
Backs: Founded, Headquarters
“ANZ was first established in the old capital of Levuka as the Union Bank of Australia in 1880.”
- anz.com/fiji/en/about-us/anz-fiji/customer-advocacy-charter checked September 26, 2026
Backs: Support channels
“you can simply call our ANZ Contact centre on 132 411 (local) or +679 321 3000 (overseas) ... Email: ebusfj@anz.com”
- anz.com/fiji/en/fee-changes checked September 26, 2026
Backs: Free ATM withdrawals, Monthly fee
“ATM withdrawal fee ... Access Everyday, Business Cash Management, Personal Cheque and Business Cheque accounts $0.40 per transaction $0.50 per transaction”
- anz.com/fiji/en/interest-rates checked September 26, 2026
Backs: Headline rate, Rate type
“Pacific Savings Account $100+ 0.05% p.a. - The following information is current from 23 September 2026”
- anz.com/fiji/en/personal checked September 26, 2026
Backs: Audience, Fixed period, Initial rate, Legal entity
“Business transactions Range of business transaction products”
- anz.com/fiji/en/personal/everyday-banking/visa-debit-card checked September 26, 2026
Backs: Card type, Features, Card network
“The ANZ Visa Debit Card opens up a world of payment options ... using money from your everyday account”
- anz.com/fiji/en/personal/loans checked September 26, 2026
Backs: Lender type, Purpose
“ANZ can provide you with the finance you need to build your wealth and increase your personal assets.”
- anz.com/fiji/en/personal/loans/personal-loans checked September 26, 2026
Backs: APR, Loan types, Term
“Our personal loan rates: Secured 10.50% p.a., Unsecured 16.50% p.a., Car loan 8.45% p.a.”
- anz.com/fiji/en/personal/savings-investing/pacific-saving... checked September 26, 2026
Backs: Access terms, Account kind, Minimum deposit, Pricing model
“You can make withdrawals if you need to. There is no fee when using ANZ Internet Banking and the ANZ Pacific App.”
Compiled from 9 source pages, checked September 26, 2026. We did not open an account.
Not confirmed yet: Currency conversion fee, Protection.
ANZ Vanuatu
Everyday banking for business customers who want on demand savings, a debit card and direct lending in one place.