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ANZ Access Advantage

Everything you need from an everyday transaction account - easy and secure banking, free unlimited ANZ transactions and Visa Debit card.disclaimer

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How to use

Interest rates and fees

Ways to apply


Calculators and tools

Understand more

Apply for ANZ Access Advantage in around 10 minutes

How you can use ANZ Access Advantage

Open your account and pay no monthly account service fee if you deposit at least $2,000 a month.disclaimer Get free unlimited ANZ Transactions and Visa Debit card.disclaimer

Get paid into your account. Sign up for ANZ Internet Banking and download the ANZ App.disclaimer

Keep track of your spending by setting a daily budget with ANZ Spendi in the ANZ App.

Set up an auto transfer in ANZ Internet Banking to your linked ANZ savings account – like ANZ Progress Saver or ANZ Online Saver.




  • No monthly account service fee

    The $5 monthly account service 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.

  • Visa Debit card

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

  • See daily spending in a glance with ANZ Spendi

    The little purchases all add up. Use the ANZ App to set a daily budget on an account, then ANZ Spendi will show you the daily spending at a glance.

  • ANZ Internet Banking 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

  • Tap and pay

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


Things to consider

  • Monthly account service fee waiver

    You may also apply for a waiver of the $5  monthly account service fee if you meet our eligibility criteria.disclaimer

  • Concession card holder

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

  • How you can optimise your savings

    ANZ Access Advantage is great for moving and managing your money. You could optimise your savings by linking it to a savings account, like ANZ Progress Saver, ANZ Online Saver, or both.

Interest rates and fees

Tiered interest rates



Interest rate *

$1 - $49,999

$50,000 - $99,999

$100,000 plus

* Interest rates are variable and subject to change.



Monthly account service fee

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




Take care of the day to day with the ANZ App

Join over three million users who are using the app to get on top of their money. You can see more information about your purchases, make payments in as little as 60 seconds with PayIDdisclaimer, temporarily block and unblock your card, and so much more. Find out more

Download the app now.



Ways to apply

Apply online

Have your Australian residential address and accepted ID ready.

Apply now

Call us

Mon-Fri, 8am to 8pm (AEST)

13 33 33

Visit a branch

Locate an ANZ branch near you.

Locate us

Understand more

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


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

Register for ANZ Internet or Phone Banking:

  1. Call 13 33 50 and get a Customer Registration Number (CRN) and Telecode.
  2. Follow the SMS prompts to change your auto-generated Telecode to a Telecode number of your choice, between four and seven digits.
  3. Register online for ANZ Internet Banking using your CRN and Telecode.

Start banking on the go:

  1. Download the ANZ App on your compatible Android device or iPhone.
  2. Enter your Internet Banking login details and your mobile number, and create a 4-digit secure PIN. Then confirm and complete your registration by entering the code sent to you via SMS.

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 Access Select, 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

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 and the Financial Services Guide which are available at or by calling 13 13 14 before deciding whether to acquire, or continue to hold, the product. Fees, charges and eligibility criteria apply.

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.

™ 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. Overseas transaction fees, overseas ATM transaction fees and non-ANZ operator fees may apply to foreign currency transactions where an ANZ Access Visa Debit card is accepted. Please refer to ANZ Personal Banking Account Fees and Charges (PDF 112kB) and ANZ Saving & Transaction Products Terms and Conditions (PDF 746kB) for details.

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Monthly account service fee waiver applicable to ANZ Access Advantage accounts opened on or after 30 November 2013 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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The ANZ App is provided by Australia and New Zealand Banking Group Limited (ANZ) ABN 11 005 357 522. Super, Shares and Insurance (if available) are not provided by ANZ but entities which are not banks. ANZ does not guarantee them. This information is general in nature only and does not take into account your personal objectives, financial situation or needs. ANZ recommends that you read the ANZ App Terms and Conditions available here for iOS and here for Android and consider if this service is appropriate to you prior to making a decision to acquire or use the ANZ App.

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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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Mobile payments available on compatible devices and eligible ANZ cards. View the full list at

Terms and conditions apply to the use of Apple Pay, Google Pay, Samsung PayFitbit Pay and Garmin Pay.

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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 180kB).

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Available when the sending and receiving accounts are capable of processing faster payments. Not available on some ANZ accounts, including ANZ One, ANZ Home Loans and ANZ Personal Loans. Technical interruptions may occur.

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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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