OFFSET ACCOUNTS
ANZ Plus, 2024
I designed a self-service experience that gave customers direct control over their offset and the understanding to weigh its cost against its benefit.
Problem
Customers knew offset was good for their home loan, over 60% of them used one, but few could explain what it actually did. Updating an offset setup required a manual request, and people felt stuck with their choice until they refinanced.
Approach
The brief was to make offset understandable and self-service. We wanted to change how offset was perceived so committing wasn't the barrier it used to be. It would be easy to toggle between when it helped you, and when it didn't.
Offset Turned On
Your Joint ANZ Plus Everyday account is now linked to your home loan.
Using Your Offset
The funds you have in the linked account may help reduce the interest you pay on your home loan.
Done
Confirm
Offset
If offset is turned on, a non-refundable monthly fee will be charged in advance to the linked account.
Estimated Savings
-
Next 30 days
Offset Fee
$10/month
Turning on offset and linking an eligible account may help reduce the interest paid on your home loan.
A monthly fee will apply for offset.
Continue
Offset your home loan
You could use the money in an eligible account to help reduce the interest paid on your home loan.
Plus Home Loan
Annebelle Citizen
BSB 014 111 • ACC 123 231 123
Rename Account
Plus Home Loan
Loan Details
Loan Repayments
$3,057.00 (monthly)
Offset
Link an account to help reduce interest
Property Use
Live-In
Repayment Type
Principal & Interest
Rate Type & Interest Rate
Variable 6.14% p.a.
Remaining Term ¹
27 years, 2 months
Remaining Term ¹
27 years, 2 months
Manage
Weighing cost against benefit
Offset your home loan isn't free. A $10 monthly fee applies, and the challenge was helping customers see whether the interest saved was worth more than the fee. Estimated savings were calculated and shown net of the fee, turning an abstract trade-off into a clear, personal number, and reframing idle savings as money already working toward their loan.
Estimated Savings
-$9
Next 30 days
Offset Fee
$10/month
Renews 5 Sep 2025
Offset
You can turn offset on or off at any time. A non-refundable fee may apply when you turn on offset.
ANZ Plus Everyday
Alex Summers
011000 103847581
$254.72
Joint ANZ Plus Everyday
Alex & Dale Summers
011000 10384759
$23,967.23
Confirm
Manage
Manage
Considering joint loans
In joint home loans, not every account holder has visibility into the other's accounts. Savings calculations were disabled and account details masked where access wasn't shared, protecting financial privacy without blocking either party from managing their loan.
Estimated Savings
-
Next 30 days
Offset Fee
$10/month
Renews 5 Sep 2025
Offset
You can turn offset on or off at any time. A non-refundable fee may apply when you turn on offset.
ANZ Plus Everyday
Alex Summers
011000 103847581
$254.72
Joint ANZ Plus Everyday
Alex & Dale Summers
011000 10384759
$23,967.23
Partner's Account
011000 123456777
Hidden
Confirm
Manage
Manage
The team
Other ANZ Plus works
Information architecture
Structural foundation for home loans, 2022
Managing loan repayments
Delivered 2023
Loan progress, estimated time saved
Delivered 2024
Managing property use
Delivered 2025