Banks
See your ANZ accounts in Cove
Connect ANZ to Cove Money through the Consumer Data Right and see your ANZ Access Advantage account, Online Saver, Progress Saver, credit cards and home loan in one calm, read-only view.
ANZ runs two banking worlds: classic ANZ, with accounts like Access Advantage, Online Saver and Progress Saver, and the newer ANZ Plus app. Connect the one you bank with — or both — and Cove brings your everyday spending, savings, credit cards and home loan into one calm view that updates itself.
Good to know: ANZ and ANZ Plus are separate data holders under the CDR. If your accounts live in the ANZ Plus app, choose ANZ Plus when connecting; both are in Cove's supported list.
How to connect ANZ to Cove
- Start in Cove. Open Cove, choose to add a bank, and pick ANZ from the supported list.
- Review the consent request. The Consumer Data Right consent screen shows exactly what data is requested, why it is needed, who can access it, how long access lasts, and how to withdraw consent later.
- Approve with ANZ. You're taken to ANZ's own verification step, where your identity is confirmed with a one-time password from ANZ. Cove never sees or stores your ANZ password.
- Choose the accounts to share. You pick which eligible ANZ accounts to share. Only the accounts you authorise are visible to Cove.
- See your money in one place. Your ANZ balances and transactions flow into Cove read-only and stay up to date automatically while your consent is active.
What syncs from ANZ
| Account type | What you see in Cove |
|---|---|
| Transaction accounts | Balances, transactions and account details |
| Savings accounts | Balances, transactions and account details |
| Credit cards | Balances, transactions and account details |
| Home loans | Balances, transactions and account details |
| Term deposits | Balances, transactions and account details |
Your data refreshes automatically while your consent is active, so Cove stays current without you re-connecting or refreshing anything yourself.
Security and the Consumer Data Right
Cove connects through the Consumer Data Right, Australia's regulated open banking system — not screen scraping. Cove Money operates as a CDR Representative of Fiskil Pty Ltd, an ACCC-accredited data recipient. Access is strictly read-only: Cove can see balances and transactions, but it can never move money, make payments, or change anything in your ANZ accounts. You can revoke access at any time, from Cove or from your bank's data sharing dashboard.
ANZ FAQs
Is connecting ANZ to Cove safe?
Cove's access is read-only and runs through Australia's Consumer Data Right. Cove Money operates as a CDR Representative of Fiskil Pty Ltd, an ACCC-accredited data recipient, and you approve the connection inside ANZ's own login — Cove never sees your ANZ password. You can revoke access at any time.
I'm on ANZ Plus — which connection do I choose?
Choose ANZ Plus. ANZ and ANZ Plus are separate data holders under the Consumer Data Right, so pick the one your accounts actually live in. If you have accounts in both, you can connect both.
Can I connect both ANZ and ANZ Plus to Cove?
Yes. They connect as two separate institutions, and Cove shows the accounts from each side by side in the same view.
Does Cove work with ANZ joint accounts?
Joint accounts can be shared under the Consumer Data Right, though ANZ may first ask each account holder to approve data sharing for the account. If a joint account doesn't appear in Cove, check the data sharing settings in your ANZ banking.
Does ANZ charge for connecting to Cove?
No. Sharing your data under the Consumer Data Right is free for consumers — ANZ doesn't charge for it, and Cove doesn't charge anything beyond your normal subscription.
Cove Money is not affiliated with or endorsed by ANZ. The ANZ name is used only to identify the institution. Product availability through the Consumer Data Right is determined by ANZ and can change.
Try Cove Money
See your ANZ accounts, calmly.
Read-only Consumer Data Right bank connections, no advertising, and one quiet subscription. Start with 7 days free, then $9.99 AUD per month, cancel anytime.