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ANZ offers a competitive fee structure, particularly for its personal banking and savings products. Many accounts, such as ANZ Plus and ANZ Online Saver, have no monthly maintenance fees, which makes them attractive for customers who want to save without incurring additional costs. For customers who are interested in higher savings rates, ANZ offers interest rates of up to 4.75% p.a. on certain savings accounts, provided specific conditions are met. From my perspective, the low-cost structure and high-interest savings options are significant advantages for individuals who prioritize saving and low fees. However, there are international transaction fees, such as $5 for ATM withdrawals outside Australia and up to $15 for international money transfers, which can be expensive for users who frequently conduct cross-border transactions. If you are looking for anz trading accounts or forex-related services, be aware that the fees related to these types of accounts are not available with ANZ, as it is not a platform focused on trading.