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Financial wellbeing
Financial literacy is an essential skill in modern society. By building the financial capability and wellbeing of individuals, ANZ helps people make informed financial decisions and navigate financial challenges. It also helps people participate more confidently in the economy.
Our financial education programs
Our financial education programs MoneyMinded, MoneyBusiness and Saver Plus deliver practical benefits for individuals and communities by improving financial inclusion and capability, particularly for people on lower incomes. The programs are developed in consultation with community partners and governments, making them accessible, relevant and responsive to community needs.
Saver Plus
A matched savings and financial education program, Saver Plus provides an opportunity to have every dollar saved (up to $500) matched for your family’s education-related expenses.
MoneyMinded
A flexible education program for adults seeking to build money management skills, knowledge and confidence.
MoneyBusiness
MoneyBusiness was developed to build the money management skills and confidence of Indigenous Australians living in remote communities.
The 2021 Financial Wellbeing Survey represents an evolution in how we examine financial wellbeing, drawing on the work of Professor Elaine Kempson et al. and developments in international research and practice in measuring and improving people’s financial wellbeing since 2017.
The latest reports set out insights from the survey measuring the financial wellbeing of more than 5,000 adults in Australia and New Zealand. The survey is the seventh in a series of comprehensive surveys that ANZ has conducted in Australia since 2002 and New Zealand since 2017.
This 2021 Financial Wellbeing Survey highlights the significant role that a person’s socio-economic context and their behaviour traits play in influencing their financial wellbeing.
The 2021 research also showed that in addition to their ability to meet everyday commitments, how comfortable they feel about their financial situation and their resilience to sustain financial shocks, whether people were ‘feeling secure for the future’ was a key fourth component of measuring financial wellbeing. The financial wellbeing scores were derived from measures for four components of financial wellbeing:
Meeting everyday commitments
How well people meet their current expenses
Feeling comfortable
How comfortable people feel about their current financial situation (next 12 months)
Financial resilience
The ability to cope with financial setbacks
Feeling secure for the future
A long term view of future financial security
Financial Wellbeing: a survey of adults in Australia and New Zealand 2021
Summary report in Australia
2021 Adult Financial Wellbeing Survey - Australia (PDF 9.1MB)
2021 Adult Financial Wellbeing Survey - Australia - Accessible (PDF 4.2MB)
- Australian survey respondents were divided into four segments according to their financial wellbeing score – no worries (29%), doing OK (43%), getting by (17%), struggling (11%).
- Financial wellbeing scores varied across different stages of the ‘life journey’:
Video: 2021 ANZ Financial Wellbeing Survey – Australia. Play.
2021 ANZ Financial Wellbeing Survey – AustraliaClick to play video
Summary report in New Zealand
2021 Adult Financial Wellbeing Survey - New Zealand (PDF 9.2MB)
2021 Adult Financial Wellbeing Survey - New Zealand - Accessible (PDF 4.5MB)
- New Zealand survey respondents were divided into four segments according to their financial wellbeing score – no worries (25%), doing OK (47%), getting by (20%), struggling (8%).
- Financial wellbeing scores varied across different stages of the ‘life journey’:
Video: 2021 ANZ Financial Wellbeing Survey – New Zealand. Play.
2021 ANZ Financial Wellbeing Survey – New ZealandClick to play video
More research and survey
Recent releases:
- 2023: Predicting the financial wellbeing of autistic adults: Part I and Autistic adults' experiences of financial wellbeing: Part II
- 2023: Financial Wellbeing – Spotlight on Australian Women - Accessible (PDF 2.8MB)
- 2022: Financial Wellbeing – People with Disability or Long-term Health Conditions (PDF 3MB)
- 2022: Exploring Digital Capability in Older Australians (PDF 2.4MB)
The ANZ Roy Morgan Financial Wellbeing Indicator is an ongoing time-series measure of financial wellbeing.
Powered by the Roy Morgan Single Source Survey, the ANZ Roy Morgan Financial Wellbeing Indicator provides unique, regular insights into Australians’ and New Zealanders’ financial wellbeing.
Australian Indicator
Latest indicator for Australia:
ANZ Roy Morgan Financial Wellbeing Indicator – December 2024 (PDF)
New Zealand Indicator
Latest indicator for New Zealand:
ANZ Roy Morgan Financial Wellbeing Indicator - September 2022 (PDF)
How is financial wellbeing tracking?
ANZ’s latest Financial Wellbeing survey of adults in Australian reflects new ways of understanding and measuring financial wellbeing.
Financial Wellbeing: Why your relationship with money really matters
ANZ’s latest Financial Wellbeing survey of adults in New Zealand reflects new ways of understanding and measuring financial wellbeing.
Your next step to better financial wellbeing
Check out the Financial Wellbeing hub and calculate your Financial Wellbeing score.
2026 Annual Report
The Annual Report descibes how we are aiming to create value for our stakeholders. This year, ANZ has integrated sustainability disclosures and mandatory climate disclosures into the Annual Report. Released 9 November 2026.