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Find ANZ Support Centre
Find ANZ Support Centre

ANZ Access Advantage

The easy-to-use everyday account. Get an ANZ Access Visa Debit Carddisclaimerand unlimited ANZ transactions for a $5 monthly account service fee.disclaimer

Prefer two linked intelligent accounts with no monthly account fees?disclaimer

Check out ANZ Plus

ANZ Plus

Introducing ANZ Plus

Smart, secure and designed to build better financial habits, ANZ Plus can help you take your financial wellbeing to the next level.

Explore ANZ Plus

Everyday advantages for you

Get a better understanding of your spending

We’ll automatically sort your transactions by merchant or category in the ANZ App so that you can see valuable insights into your spending – like just how much you spend on coffee each month. Eep! No worries if the category doesn’t suit your transaction. You can quickly choose a more relevant one.

Make Fast Payments with PayID

Whether it’s a little extra pocket money or your share of the bills, you can make Fast Payments between participating accountsdisclaimerwith PayID® in the latest version of the ANZ App.

Secure payments over $1000 with Voice ID

For the bigger stuff, you can use Voice ID in the ANZ App to ‘ok’ Pay Anyone payments over $1000.disclaimer

Tap and pay for easier in-store shopping

Just set up your ANZ Visa Debit carddisclaimer on your digital wallet and use your mobile phone to tap and paydisclaimer for everyday purchases wherever you can make contactless payments.

Secure shopping, faster checkout

With your ANZ Visa Debit carddisclaimeradded to your digital wallet, you can check out faster without entering your card details when you shop online or in-app, with participating merchants.disclaimer

Temporarily block and unblock your card

Misplaced your card? No worries. You can temporarily block your card to keep it safe while you look for it. Then unblock your card in the ANZ App in a flash when you find it again.disclaimer

Report your card as lost or stolen

Losing your card can be stressful. If your card is lost or stolen, let us know immediately in the ANZ App. We can cancel the card for you and order you a new one.disclaimer Phew!

 

ANZ Access Advantage features and benefits

An everyday account packed with features, benefits and clever tools that can help you to easily and securely get on top of your money.

Monthly account service fee waiver

The $5 monthly account service fee will be automatically waived if you deposit at least $2,000 a monthdisclaimer or you can also apply for a waiver if you meet other eligibility criteria.disclaimer 

ANZ Visa Debit card

Use it anywhere Visa is accepted.disclaimer Equipped with accessibility features for vision-impaired customers.

Tap and pay

Set up mobile payment on your compatible devices with eligible ANZ cards so you can tap and pay.disclaimer

Earn cashback when you shop

Join Cashrewards for free to access cashback offers from more than 2,000 popular retailers and get more for your money.disclaimer Head to For You in the ANZ App to browse the latest cashback offers. Learn more

   

Your Money Report

Every month, get access to Your Money Report, a personalised snapshot of some of your money in and money out across your Access Advantage account and other eligible ANZ accounts. Learn more

ANZ Fraud Money Back Guarantee

We will reimburse any unauthorised transactions on your account, provided you didn’t contribute to the loss and you let us know as soon as you discover it.disclaimer More on security

Concession everyday accounts

If you hold a concession card, or are receiving Government benefits, you may be eligible for one of ANZ’s concession everyday bank accounts.disclaimer Have a look at ANZ Access Basic and ANZ Pensioner Advantage.

You get to choose the colour of your card

Black

Pink

Blue

Interest rates and fees

Tiered interest rates

rates

Amount

Interest rate *

$1 - $49,999  

$50,000 - $99,999

$100,000 plus

* Interest rates are variable and subject to change.

Fees

fees

Monthly account service fee

$5 or $0 if you deposit at least $2,000 a monthdisclaimer

Calculators and tools

How to apply

Take a moment to review ANZ Access Advantage to help you decide if it's right for you.

ANZ Access Advantage Features

  • Unlimited ANZ Transactions for a $5 monthly account service fee
  • We'll waive the monthly fee if you deposit at least $2,000 per monthdisclaimer or you can also apply for a waiver if you meet other eligibility criteriadisclaimer
  • Customers aged 12 years and above with an Australian mailing address can apply for an ANZ Access Visa Debit Carddisclaimer

Things to consider

  • Some transactions attract fees, like overseas transactions and bank chequesdisclaimer
  • Generally, ANZ won’t process a transaction that will overdraw your account. However, if your account is overdrawn, you may be charged interestdisclaimer
  • Got a concession card or receive government benefits? Have a look at ANZ Access Basic and ANZ Pensioner Advantage
  • This account is for personal use only

Apply online

If you're ready to apply online and have your documents  handy, you can get started now.

Eligibility criteria:

  • Australian residents
  • An Australian residential and mailing address
  • 12 years or older 

Apply now

For joint account applications, after ANZ has opened your account, you will need to visit an ANZ branch with all account holders to sign a Joint Account Authority Form. You will not be able to access your joint account until this form is signed.

Also looking for an online savings account?

If you proceed with opening an ANZ Access Advantage account, you will also be offered an ANZ Online Saver account. Take a moment to review the following information to help you decide if it's right for you.

ANZ Online Saver Features

  • Access to your money anytime online via your linked ANZ Access Advantage
  • Bonus interest for the first 3 months, even if you make a withdrawaldisclaimer
  • A standard variable rate after the first 3 months
  • No monthly account service feesdisclaimer
  • No minimum balance

Things to consider

  • ANZ Online Saver is an online-only accountdisclaimer
  • No access in-branch
  • Use your linked ANZ Access Advantage account to access your money in other ways
  • Bonus interest only applies to your first ANZ Online Saver account and you must not have held an ANZ Online Saver account in the last 6 months or moredisclaimer

Other ways to apply

ANZ Internet Banking

If you’ve registered, log in and select open a new account. Then the click on the Bank accounts tab and look for ANZ Access Advantage.

Log in

The ANZ App

If you are an existing customer, you can apply for an ANZ Access Advantagedisclaimeraccount in the ANZ App in minutes. Easy as.

Find out how

Call us or visit a branch

Call us on 13 33 33 Mon-Fri 8.00am to 8.00pm (AEST) or find an ANZ branch near you.

Ready to apply?

Apply now

It takes less than 10 minutes to apply.

Other ways to apply: Visit any ANZ Branch or call 13 33 33 Mon to Fri, 8am to 8pm.

For joint account applications, after ANZ has opened your account, you will need to visit an ANZ branch with all account holders to sign a Joint Account Authority Form. You will not be able to access your joint account until this form is signed.

Understand more

ANZ Plus is ANZ’s digital banking service available in the new ANZ Plus app.

It comes with an ANZ Plus transaction account and a multi-goal ANZ Save account, and a new-look ANZ Plus Visa Debit Card.

The ANZ Plus app has a range of features to provide more visibility and control of your money and spending.

You can only access ANZ Plus in the ANZ Plus app. You can't access other ANZ accounts in the ANZ Plus app.

Other ANZ bank accounts can be accessed through the ANZ app or Internet Banking, ANZ branches and over the phone.

Find out more about ANZ Plus at www.anz.com/plus

Am I eligible for the monthly service fee waiver?

The $5 fee will be automatically waived if you deposit at least $2,000 a monthdisclaimer and you don’t have to keep your $2,000 in your account for the whole month.

You may also apply for a waiver of the $5 monthly account service fee* on one nominated ANZ Access Advantage account if you

  • are under 25 or aged 60 or over,
  • are a full-time student at an Australian educational institution,
  • receive a disability support pension or mobility allowance from Centrelink,
  • have an ANZ Home Loan, an ANZ Residential Investment Loan or an ANZ Portfolio Facilitydisclaimer and have your salary paid into your account

or

* Other fees and charges may apply. For details see ANZ Personal Banking Account Fees and Charges and ANZ Personal Banking General Fees and Charges.

Customers aged 12 years or over that have an Australian mailing address are eligible to apply for a Visa Debit carddisclaimer.

If you want to start banking online with ANZ, we can show you how to register and log in to ANZ Internet Banking, register for phone banking or download and use the ANZ App. You’ll need your customer registration number and Telecode to get started.

See how to register

If you need help or don’t have your customer registration number and Telecode, please contact us to get you started.

Switch your everyday banking, debit and credit cards to ANZ in three steps. Learn more

BSB stands for bank, state and branch number. It identifies the bank, branch and state that you opened your account in.

Your account number is the identification number associated with your account. Every account has one. For credit cards your account number is your 16-digit card number shown on the front of your card.

You can find your BSB and account number several ways:

  • With the ANZ App

    • Your BSB and account number is shown at the top of the screen when you tap on an account. Easy!

  • On ANZ Internet Banking 

    • You can find your BSB and account number by selecting your account from the ANZ Internet Banking homepage and viewing the 'Details' tab.

  • On the ANZ Branch locator tool

    • Your BSB number can be found by searching for the branch in which you opened your account. The BSB number will show in the search results alongside the branch location and hours of operation.

  • On your statements

    • Your BSB and account number will appear on your statement copies. The first 6 digits are your BSB number followed by your 9-digit account number.

  • On ANZ Phone Banking

    • Call 13 13 14 to retrieve your BSB and account numbers. You can do this 24/7 from any touch tone phone from anywhere in Australia for the cost of a local call.

A Visa Debit card allows you to pay for your purchases using your own money through the Visa network. ANZ Access Visa Debit is a feature of the ANZ Access Advantage, ANZ One offset, ANZ Pensioner Advantage and ANZ Access Basic accounts.

Visa Debit offers the flexibility of accessing your everyday transaction account with the added benefit of access to the worldwide Visa network. Learn more

Important information

Any advice does not take into account your personal needs and financial circumstances and you should consider whether it is appropriate for you. ANZ recommends you read the ANZ Saving & Transaction Products Terms and Conditions (PDF) and the Financial Services Guide (PDF) which are available at anz.com or by calling 13 13 14 and the ANZ Plus and ANZ Save Accounts T&Cs available at anz.com.au/plus before deciding whether to acquire, or continue to hold, the product. Fees, charges and eligibility criteria apply.

Images and features shown are iOS versions. Feature availability and design may differ based on the device, operating system, or ANZ Plus app version.

Apple, the Apple logo, iPhone and iPad are trademarks of Apple Inc., registered in the U.S. and other countries. App Store is a service mark of Apple Inc.

Android, Google Play and the Google Play logo are trademarks of Google Inc.

BPAY®  is registered to BPAY Pty Ltd ABN 69079137518.

PayID is a registered trademark of NPP Australia Limited.

™ ANZ Falcon is a trademark of Australia and New Zealand Banking Group Limited (ANZ) ABN 11 005 357 522. Falcon is a trademark of Fair Isaac Corporation.

Eligibility criteria apply to the issue of ANZ Access Visa Debit card. Fees may apply (for example, overseas transaction fees, overseas ATM transaction fees and non-ANZ operator fees). Please refer to the ANZ Personal Banking Account Fees and Charges (PDF) and ANZ Saving & Transaction Products Terms and Conditions (PDF) for details.

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Monthly account service fee waiver applicable to ANZ Access Advantage accounts if you deposit $2,000 or more by the last business day of the calendar month. You must satisfy the monthly deposit requirement to be eligible for the waiver in a particular month. 

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Transaction fees may apply, see the ANZ Plus and ANZ Save Accounts T&Cs for details of these fees.

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Eligible accounts and payments only – sending and receiving account must be capable of processing faster payments. Technical interruptions may occur and some payments may be delayed e.g. for security screening.

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A daily transaction limit of $1,000 applies to Pay Anyone transactions and $10,000 to BPAY® bill payments using the ANZ App. Higher payment limits may be available if you have registered for and use Voice ID and it is available on your device. Recipients require an account with an Australian financial institution to receive or collect Pay Anyone payments. Terms and conditions apply, view them at anz.com/app

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Mobile payments available on compatible devices and eligible ANZ cards.

Separate terms and conditions apply to the use of Apple Pay, Google Pay, Samsung Pay, Fitbit Pay and Garmin Pay.

Apple, Apple Pay and iPhone are trade marks of Apple Inc., registered in the U.S. and other countries.

Android, Google Pay and the Google Logo are trade marks of Google LLC.

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If you think your card is lost or stolen, it's important that you let us know immediately.

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On application for the waiver by an eligible customer, the monthly account service fee will be waived on one nominated ANZ Access Advantage account. For more information on Exemptions and Concessions please refer to ANZ Personal Banking Account Fees and Charges (PDF).

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Mobile payments available on compatible devices and eligible ANZ cards. View the full list at anz.com/mobilepayments. Terms and conditions apply to the use of Apple Pay (PDF), Google Pay (PDF), Samsung Pay (PDF), Fitbit Pay (PDF) and Garmin Pay (PDF).

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Cashrewards is offered by Cashrewards and not ANZ. Cashrewards is not exclusive to ANZ cardholders. The Cashrewards account is not an ANZ account. To earn cashback you must be a Cashrewards member. Exclusions and caps may apply. Eligibility criteria, cashback redemption and withdrawal conditions and T&Cs apply.  Please visit Cashrewards for further details.

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Provided you didn’t contribute to the loss, you let us know as soon as you found out about the loss and you have complied with the Electronic Banking Conditions of Use contained in your product terms and conditions.

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 Please refer to ANZ Personal Banking Account Fees and Charges (PDF) for fees and charges that apply.

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Debit interest may apply. Please refer to ANZ Personal Banking Account Fees and Charges (PDF).

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Open your first ANZ Online Saver account and you'll receive an introductory fixed bonus rate of % p.a. for 3 months, on top of the ANZ Online Saver standard variable rate (currently ).  After 3 months, the ANZ Online Saver standard variable rate, applicable at that time, will apply. The introductory fixed bonus rate is only available on the first ANZ Online Saver account opened by customers who have not held an ANZ Online Saver in the last 6 months. In case of joint account holders, the introductory fixed bonus rate offer will only be received if all customers are eligible.

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ANZ Online Saver is only available to customers who open or who are the account holders of, or signatories to, eligible ANZ everyday banking accounts with ANZ Internet Banking or ANZ Phone Banking access. Eligible accounts include ANZ Access Advantage, ANZ Access Basic, ANZ Pensioner Advantage, ANZ Progress Saver, ANZ V2 PLUS and ANZ Premium Cash Management Account. Terms and conditions and fees and charges apply to the eligible account.

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Loans not eligible include ANZ Simplicity PLUS, ANZ Money Saver (no longer sold), ANZ Easy Start (no longer sold) and ANZ Interest-in-Advance Residential Investment Loans.

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Eligibility criteria apply to the issue of ANZ Access Visa Debit card.

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